Image quality metrics are applied to the entire image within the field of view of a camera associated with a mobile device and are combined with non-image metrics applied to the device to provide a hybrid approach to capturing a quality image that is not dependent upon the check image satisfying a monitoring criterion. When the composite image passes image monitoring criteria and the device passes a non-image criterion, an image may be captured by the camera either manually or automatically. The process may be applied to capture images of both the front and the back of the check, and may be applied to multiple checks. The images may then be submitted for processing for deposit of the check or checks into the user's bank account without the requirement that the user review and approve the image or images of the back of the check or checks.

A computer system is provided, comprising a processor; a communications module coupled to the processor; and a memory module coupled to the processor and storing instructions that, when executed by the processor, cause the computer system to: receive an image representing a check; extract data from a portion of the image; identify routing data, based on the extracted data, from a recipient field associated with the check; and initiate an electronic transfer by sending a transfer message using the routing data.

The present subject matter involves a system and method for producing and processing electronic transactions, including electronic checks, in a secure manner. In various embodiments, a secure server provides an electronic check service that maps payees to participating lockbox service providers and provides electronic payment instructions from the payor to the lockbox service providers to process payments to the payees. In various embodiments, a check is printed to fulfill Check21 Act requirements, electronic images are obtained of front and back of the printed check, and check image pairs are created of the electronic images of the front and back of the printed check. In various embodiments, paper items are processed where the electronic check service does not find an electronic deposit match. In various embodiments, the electronic lockbox files are used in a secure electronic payment platform that assists in the generation of electronic checks.

Embodiments of this application disclose methods, systems, and devices for electronic note identifier allocation and electronic note generation. In one aspect, an electronic note identifier allocation method is performed by a processing node of a distributed computer system. The processing node receives an electronic note identifier application request initiated by a service node. The processing node generates an electronic note identifier set in response to the electronic note identifier application request. The processing node also synchronizes the electronic note identifier in the electronic note identifier set. After the synchronizing, the processing node further the electronic note identifier in the electronic note identifier set to the service node.

Methods, systems and instructions stored on computer-readable media for receiving an invoice associated with a buyer from a vendor that includes an invoice amount. The invoice is sent to the buyer. A buyer financial institution and a buyer account are determined. A check is received from the buyer to pay the invoice. A vendor financial institution and a vendor account is determined. A custodian financial institution and a custodian account is determined. An ICL is created based in part on the received check. The ICL includes the buyer account, the buyer financial institution, the custodian account, and the payment amount to transfer into the vendor account. The ICL is sent to the custodian financial institution to transfer the payment amount from the buyer account into the custodian account. An ACH transfer of funds in the amount of the payment amount from the custodian account to the vendor account is initiated.

A method for A method for utilizing a check-to-smartglasses payment system is provided. The method may include capturing check data at a smartglasses. The method may also include identifying smartglasses account data associated with the smartglasses. In addition, the method may include generating a transfer of funds instruction. The transfer of funds instruction may include the check data and the smartglasses account data. The method may also include transmitting the transfer of funds instruction to a financial institution as well as identifying an account associated with the check data at the financial institution, The method may also include processing the transfer of funds instruction between the account associated with the check data and an account identified by the smartglasses account data at the financial institution and transmitting a confirmation to the smartglasses and to a mobile device associated with the check data.

An Augmented Reality (AR)-enabled Automated Teller Machine (ATM) receives a request to dispense cash equal to amount of an AR document. The AR document comprises an AR check. The AR-enabled ATM fetches a first AR check image from a memory. The AR-enabled ATM extracts a first set of features from the first AR check image. The AR-enabled ATM receives a second AR check image from a computing device associated with the receiver. The AR-enabled ATM extracts a second set of features from the second AR check image. The AR-enabled ATM compares the first AR check image with the second AR check image. The AR-enabled ATM determines whether the first AR check image corresponds to the second AR check image. In response to determining that the first AR check image corresponds to the second AR check image, the AR-enabled ATM dispenses cash equal to the amount.

Embodiments rotate data by tokenization. Embodiments determine one or more check data fields of a check such as check number and routing number; generate a PIN based on the determined check data fields; receive user input of a user PIN; compare the generated PIN with the inputted user PIN; if the generated PIN matches the inputted user PIN, proceed with the transaction; and if the generated PIN does not match the inputted user PIN, cancel the transaction. In some cases, a point of sale terminal comprising a scanner for scanning the check to determine the one or more check data fields. In some cases, receiving user input of the user PIN comprises receiving, by a communication device of the system from a mobile device of the user, a text message, SMS message or phone call comprising the user input of a user PIN.

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.

A system and corresponding method are provided. The system includes a plurality of first entities (such as banks), each first entity communicatively connected to at least one distributed traffic agent (DTA), a second entity (such as a central facility) communicatively connected to a DTA, and a communication network communicatively connecting the DTAs. A payload containing a data file (such as electronic check presentment data, electronic payment data, or any other data type) is communicated from one first entity to another through their respective DTAs via the communication network. In addition, a transmittal containing control information corresponding to the payload is communicated from the one first entity to the second entity through their respective DTAs via the communication network.