Machine-readable storage media having instructions stored therein that, when executed by a processor of a mobile device, configure the mobile device to capture a check image for funds to be deposited into a recipient account. The mobile device configured to display a request to a user of the mobile device to provide one or more portions of a MICR line for the received check image and receive user inputs from the user specifying the one or more portions of the MICR line. The mobile device configured to transmit a message to a bank account computer system associated with the recipient account, the message including data specifying the one or more portions of the MICR line.

Remote deposit of checks can be facilitated by a financial institution. A customer's general purpose computer and image capture device may be leveraged to capture an image of a check and deliver the image to financial institution electronics. Additional data for the transaction may be collected as necessary. The transaction can be automatically accomplished utilizing the images and data thus acquired.

The disclosure relates generally to checks and other negotiable financial instruments and particularly to mitigating exposure to financial fraud. Specifically, the disclosure relates to systems and methods of authenticating checks issued by a first entity for the benefit of a third party.

A method of processing a mixed bunch of banknotes and checks in a recycling self-service terminal is described. The method comprises: receiving a bunch of documents; recognizing each document from the received bunch; for each banknote recognized from the received bunch, validating the authenticity of that banknote; for each check recognized from the received bunch, extracting financial information from that check; and notifying a customer of the total value of the deposited bunch. A document validator, and a self-service terminal including the document validator, are also described.

A first flip-flop outputs a first output signal as a first switch signal that controls a first switch. A second flip-flop outputs a second output signal based on a clock signal and the first output signal. A first inverting circuit generates a first inverted signal obtained by inverting the first output signal. A second AND circuit outputs a signal that is an AND of the first inverted signal and the second output signal, as a second switch signal that controls a second switch.

A mobile device with camera automatically captures an image of a check from a video sequence. A computing application assesses quality metrics of a frame of the video and, if acceptable, initiates capture of the check in that frame without user selection. Metrics include an aspect ratio of the check, image quality of the routing transit symbols that delineate a routing transit number on a MICR line of the check, distances between the routing transit symbols and to an edge of the check, recognition of digits of the routing transit number, checksum of the routing transit numbers, and image sharpness. Other embodiments note cropping of the check from the background of the image, properly orienting the check for viewing, and providing color coded visual feedback to users about the quality of the image frame about the check, to name a few.

Remote deposit of checks can be facilitated by a financial institution. A customer's general purpose computer and image capture device may be leveraged to capture an image of a check and deliver the image to financial institution electronics. Additional data for the transaction may be collected as necessary. The transaction can be automatically accomplished utilizing the images and data thus acquired.

In various embodiments, methods, systems, and computer program products for detecting, estimating, calculating, etc. characteristics of a document based on reference objects depicted on the document are disclosed. In one approach, a computer-implemented method for processing a digital image depicting a document includes analyzing the digital image to determine one or more of a presence and a location of one or more reference objects; determining one or more geometric characteristics of at least one of the reference objects; defining one or more region(s) of interest based at least in part on one or more of the determined geometric characteristics; and detecting a presence or an absence of an edge of the document within each defined region of interest. Additional embodiments leverage the type of document depicted in the image, multiple frames of image data, and/or calculate or extrapolate document edges rather than locating edges in the image.

Systems and methods for automatic enrollment and identity verification based upon processing a captured image of a document are disclosed herein. Various embodiments enable, for example, a user to enroll in a particular service by taking a photograph of a particular document (e.g., his driver license) with a mobile device. One or more algorithms can then extract relevant data from the captured image. The extracted data (e.g., the person's name, gender, date of birth, height, weight, etc.) can then be used to automatically populate various fields of an enrollment application, thereby reducing the amount of information that the user has to manually input into his mobile device in order to complete the enrollment process. In some embodiments, a set of internal and/or external checks can be run against the data to ensure that the data is valid, has been read correctly, and is consistent with other data.

A device comprises a sensor and processing circuitry coupled to the sensor. The sensor is configured to obtain authentication information from an identification label of a cartridge of an electronic vaping device. The processing circuitry is configured to perform authentication of the cartridge based on the authentication information; and determine whether to unlock a battery section of the electronic vaping device to power the cartridge based on a result of the authentication of the cartridge.