SECURE ELEMENT AUTHENTICATION FOR REMOTE DEPOSIT OF CHECK IMAGES RECEIVED FROM PAYORS

摘要

A check image generator application generates a remote deposit capture RDC compatible check image. The RDC compatible check image is sent from a sender mobile device to a recipient mobile device. The RDC compatible check image may pass through a server and may be encrypted. The recipient mobile device receives the RDC compatible check image and forwards it to a financial institution for deposit.

主权项

1. A mobile device comprising:
a processor; a secure element; a memory; and a program, wherein the program is stored in the memory and configured to be executed by the processor, the program including instructions for:
prompting a user to select between either taking a picture of a check for remote deposit or receiving a remote deposit capture (RDC) compatible check image;in response to the user selecting to receive an RDC compatible check image, authenticating the user to a check control server using authentication credentials stored in the secure element and receiving the RDC compatible check image from the check control server only after authenticating;displaying a notification;responding to a user's interaction with the notification to display indicia of the RDC compatible check image other than the RDC compatible check image itself; andforwarding the RDC compatible check image to a financial institution for deposit.