Mitek Systems, Inc.

John J Roach

Grisha Nepomniachtchi

Oleg Rybakov

Robert L Couch

Kevin Andrew Bell

Grigori Nepomniachtchi

Mikhail Avergun

Michael Gillen

Systems and methods for mobile enrollment in automated clearing house (ACH) transactions using mobile-captured images of financial documents are provided. Applications running on a mobile device provide for the capture and processing of images of documents needed for enrollment in an ACH transaction, such as a blank check, remittance statement and driver's license. Data from the mobile-captured images that is needed for enrolling in ACH transactions is extracted from the processed images, such as a user's name, address, bank account number and bank routing number. The user can edit the extracted data, select the type of document that is being captured, authorize the creation of an ACH transaction and select an originator of the ACH transaction. The extracted data and originator information is transmitted to a remote server along with the user's authorization so the ACH transaction can be setup between the originator's and receiver's bank accounts.

Systems and methods for mobile automated clearing house enrollment

Real-time evaluation and enhancement of image quality prior to capturing an image of a document on a mobile device is provided. An image capture process is initiated on a mobile device during which a user of the mobile device prepares to capture the image of the document, utilizing hardware and software on the mobile device to measure and achieve optimal parameters for image capture. Feedback may be provided to a user of the mobile device to instruct the user on how to manually optimize certain parameters relating to image quality, such as the angle, motion and distance of the mobile device from the document. When the optimal parameters for image capture of the document are achieved, at least one image of the document is automatically captured by the mobile device.

Systems and methods for automatic image capture on a mobile device

Real-time evaluation of high quality preview images of a document prior to capturing a final image of the document on a mobile device is disclosed. In one aspect, an image capture device is activated on the mobile device. A plurality of preview images of the document is then captured, each of which has a lower image quality than a final image to be captured by the image capture device. Next, for each of the plurality of preview images, the system measures a parameter associated with the image capturing, and related to the ability to accurately extract text and other content from a captured preview image of the document. Next, the system selects a preview image among a subset of the captured preview images that passes the image quality measurement. When a predetermined condition is met, the system chooses the selected preview image as a final captured image of the document.

Systems and methods for automatic image capture and processing of documents on a mobile device

Systems and methods for applying for and creating balance transfers with a mobile device are provided. An image of a customer's financial statement can be taken using a mobile device, after which the image is analyzed to extract information relevant to creating a balance transfer. The extracted information is then communicated to a bank over a network connected with the mobile device, where the bank can process the information and create an offer to the customer for a balance transfer in real-time. An example financial statement is a credit card statement. These systems and methods may comprise capturing an image of a document using a mobile communication device; transmitting the image to a server; detecting relevant information within the image; transmitting the information to a bank; and transmitting a resulting balance transfer offer from the bank to the mobile device.

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San Diego, CA, United States of America

John J Roach