MOBILE CHECK ISSUE CAPTURE SYSTEM AND METHOD

摘要

A system and method is presented for assembling information contained within a financial instrument for subsequent verification of the financial instrument, wherein the financial instrument includes an identifier corresponding to a payee of the financial instrument. An imaging device, such as, for example, a mobile phone or the like, is used to obtain an image of the financial instrument prior to the financial instrument being transferred to the payee. Information is extracted from the image of the financial instrument, and the information is transferred to a storage area that is separate and remote from the imaging device.

主权项

1. A system for assembling information contained within a financial instrument for subsequent verification of the financial instrument, the financial instrument including an identifier corresponding to a payee of the financial instrument, comprising:
an information generation device, comprising
an image capture device configured to capture an image of an object, anda first communication circuit configured to communicate the extracted information over a network; and a verification device remote from the information generation device, the verification device comprising
a second communication circuit configured to communicate with the first communication circuit over a network, anda database for storing information corresponding to financial instruments, said information for use during a subsequent verification process, wherein the verification device is configured to at least one of i) receive from the information generation device information extracted from an image of the financial instrument and store the extracted information in the database, said image captured prior to transfer of the financial instrument to the payee, or ii) receive an image of the financial instrument captured from the information generation device, extract information from the image, and store the extracted information in the database, said image captured prior to transfer of the financial instrument to the payee.