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The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.

The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.

Patent No.:

US 12020496 B1

PDFFull Text
Date of Patent:
Jun. 25, 2024

Filed:

Feb. 05, 2023

Systems and methods for mobile automated clearing house enrollment

Applicant:

Mitek Systems, Inc., San Diego, CA (US);

Inventors:

John J. Roach, San Diego, CA (US);

Grisha Nepomniachtchi, San Diego, CA (US);

Assignee:

Mitek Systems, Inc., San Diego, CA (US);

Attorney:

Procopio, Cory, Hargreaves & Savitch LLP

Primary Examiner:

Jason M Borlinghaus

Int. Cl.
CPC ...
G06V 30/146 (2022.01); G06Q 20/02 (2012.01); G06Q 20/04 (2012.01); G06Q 20/10 (2012.01); G06Q 20/32 (2012.01); G06V 10/24 (2022.01); G06V 10/28 (2022.01); G06V 10/32 (2022.01); G06V 30/10 (2022.01); G06V 30/162 (2022.01); G06V 30/166 (2022.01); H04N 1/00 (2006.01); H04N 101/00 (2006.01);
U.S. Cl.
CPC ...
G06V 30/1475 (2022.01); G06Q 20/023 (2013.01); G06Q 20/042 (2013.01); G06Q 20/045 (2013.01); G06Q 20/10 (2013.01); G06Q 20/3223 (2013.01); G06Q 20/3276 (2013.01); G06V 10/243 (2022.01); G06V 10/28 (2022.01); G06V 10/32 (2022.01); G06V 30/162 (2022.01); G06V 30/166 (2022.01); G06V 30/10 (2022.01); H04N 1/00244 (2013.01); H04N 1/00307 (2013.01); H04N 2101/00 (2013.01); H04N 2201/001 (2013.01); H04N 2201/0084 (2013.01);
Abstract

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.

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