公开(公告)号：US10380559B1

公开(公告)日：2019-08-13

申请号：US14964279

申请日：2015-12-09

申请人： United Services Automobile Association (USAA)

发明人： Charles Lee Oakes, III ,  Randy Ray Morlen ,  Gabriel Glenn Gavia ,  R. Bharat Prasad Nuggehalli ,  Frank Kyle Major ,  Jeffrey Neal Pollack ,  Carol Ann Walls ,  Larry Dwayne Taylor

IPC分类号： G06Q40/00 ,  G06Q20/04 ,  G06Q20/40 ,  G06K9/18

摘要： Techniques are provided for addressing possible fraud and mistake scenarios in a system for electronically receiving check images from customers and for automatically initiating a deposit of funds into a customer account. An electronic analysis of a check may be conducted to retrieve a check identifier that may be compared against a limited number of previously deposited checks, allowing for faster real-time comparisons. The deposit may be soft-post of regardless whether it is flagged as a potential duplicate, because subsequent more thorough analysis may uncover false positives. Also, transaction and account information can be analyzed to determine if there is a possibility of a check kiting operation.