Abstract: A computer implemented method, system and non-transitory computer-readable device for a remote deposit environment. An interactive User Interface (UI), provides status indicators and remediation steps throughout and after the remote deposit process. A first trained machine learning model, predicts an occurrence of a remote deposit matter preventing advancement of the remote deposit process. A second trained machine learning model predicts one or more remote deposit remediation tasks to overcome the remote deposit matter. The remote deposit remediation tasks are displayed to the user for completion to advance the remote deposit process.

Abstract: A computer implemented method, system, and non-transitory computer-readable device for a remote deposit environment. The method may include displaying, on a display of a mobile device, a live image stream of a physical environment received from a camera of the mobile device; displaying, on the display of the mobile device, a virtual model of a financial instrument, the virtual model being depicted as occupying and being movable within the physical environment while having a fixed distance from the camera and orientation in a camera coordinate system fixed to the camera; instructing, via the mobile device, a user to align the virtual model with a financial instrument positioned within the physical environment; and automatically capturing an image of the financial instrument using the camera based on alignment of the financial instrument and the virtual model.

Abstract: A computer implemented method, system and non-transitory computer-readable device for a remote deposit environment. An interactive User Interface (UI), provides status indicators and remediation steps throughout and after the remote deposit process. A first trained machine learning model, predicts an occurrence of a remote deposit matter preventing advancement of the remote deposit process. A second trained machine learning model predicts one or more remote deposit remediation tasks to overcome the remote deposit matter. The remote deposit remediation tasks are displayed to the user for completion to advance the remote deposit process.

Abstract: A computer implemented method, system and non-transitory computer-readable device for a remote deposit environment. An interactive User Interface (UI), provides status indicators and remediation steps throughout and after the remote deposit process. A first trained machine learning model, predicts an occurrence of a remote deposit matter preventing advancement of the remote deposit process. A second trained machine learning model predicts one or more remote deposit remediation tasks to overcome the remote deposit matter. The remote deposit remediation tasks are displayed to the user for completion to advance the remote deposit process.

Abstract: Disclosed herein are computer-implemented method, system, and computer-readable medium embodiments for providing a virtual second image during remote deposit of documents. A system generates, from a field of view of a camera, a live stream of image data comprising imagery of a portion of the document. The system obtains, via an optical character recognition program, one or more data elements from the imagery of the portion of the document and generates a first image of a front side of the document. The system receives an electronic signature of a customer via a user interface and, upon verifying the electronic signature, generates a virtual second image by merging the electronic signature with a second image for a back side of the document selected from a plurality of back images. The system transmits the first image, the virtual second image, and the one or more data elements to a remote deposit platform.

Abstract: Disclosed herein are various embodiments for a camera guide alignment and auto-capture system with image processing. An embodiment operates by generating a base image of a document as displayed within a viewfinder of a camera that includes a visual guide. A tilt associated with the base image is identified. One or coordinates corresponding to a position of the visual guide are identified. A perspective correction is performed on the base image based on the coordinate(s) to generate a corrected image, in which the tilt is reduced. A preview of the corrected image is provided for display within the viewfinder. The corrected image is provided for storage or further processing.

Abstract: A computer implemented method, system, and non-transitory computer-readable device for a remote deposit environment. The method may include using a mobile device to identify a substantially level surface within a field of view of a camera of the mobile device; display an image stream of a physical environment including the substantially level surface and a virtual model of a financial instrument, the virtual model of the financial instrument depicted as having a position and orientation relative to the substantially level surface; instruct a user to position a financial instrument such that the financial instrument is aligned with the virtual model; determine a distance from the mobile device to the financial instrument and an orientation of the mobile device relative to at least one of the financial instrument or the substantially level surface; and based on the distance and the orientation of the mobile device, automatically capture an image.

Abstract: Disclosed herein are system, apparatus, device, method and/or computer program product embodiments for providing a mid-stream deposit availability schedule to a customer electronically depositing a check. The deposit availability schedule is generated by activating a mobile financial application, receiving a customer request to deposit a financial instrument, and based on the customer request, activating a camera on the client mobile device to access a field of view of at least one camera and capture one or more images of a financial instrument, store, in a computer memory on the client mobile device, the one or more images. An optical character recognition program, resident on the client mobile device, extracts in real-time, one or more data fields from one or more portions of the financial instrument, communicates the one or more data fields to a remote deposit server and receives a deposit availability schedule, before acceptance of the remote deposit.

Abstract: Disclosed herein are system, apparatus, device, method and/or computer program product embodiments, and/or combinations and sub-combinations thereof for blending multiple images of a financial instrument (e.g., check) into a single blended image to mitigate potential image errors. The method generates a number of images of the financial instrument and builds a blended image by blending pixel content of common pixels from set of the images and communicates the blended image to a remote deposit server.

Abstract: Disclosed herein are system, apparatus, device, method and/or computer program product embodiments, and/or combinations and sub-combinations thereof for blending multiple images of a financial instrument (e.g., check) into a single blended image to mitigate potential image errors. The method generates a confidence score for each of the plurality of images of the financial instrument, selects, based on the confidence score, a number of images of the financial instrument, ranks the number of images, arranging them from a highest to lowest confidence score, and assigns a weighting value, such as transparency, to each image of the selected number of images of the financial instrument, based on a respective ranking. The method builds a blended image by blending pixel content of common pixels, as modified by a respective weighting value, from the number of images and communicates the blended image to a remote deposit server.

Abstract: A pressure-preserving conventional triaxial compression loading apparatus of the present invention includes a pressure vessel, an upper piston rod, a lower piston rod, and an annular oil bag assembly. Hollow chambers of the pressure vessel in vertical communication sequentially include an upper chamber, an upper sealed chamber, a confining pressure chamber, a lower sealed chamber, and a lower chamber from top to bottom. The annular oil bag assembly is placed in the confining pressure chamber. When an annular inner chamber of an annular oil bag is filled with medium, an outer wall of the annular oil bag and an inner wall of the confining pressure chamber are attached together. A fidelity specimen is placed in a specimen chamber defined by a lower end surface of the upper piston rod, an upper end surface of the lower piston rod, and an inner wall of the annular oil bag. A variety of measuring sensors are disposed in the annular inner chamber of the annular oil bag.

Abstract: A pressure-preserving conventional triaxial compression loading apparatus of the present invention includes a pressure vessel, an upper piston rod, a lower piston rod, and an annular oil bag assembly. Hollow chambers of the pressure vessel in vertical communication sequentially include an upper chamber, an upper sealed chamber, a confining pressure chamber, a lower sealed chamber, and a lower chamber from top to bottom. The annular oil bag assembly is placed in the confining pressure chamber. When an annular inner chamber of an annular oil bag is filled with medium, an outer wall of the annular oil bag and an inner wall of the confining pressure chamber are attached together. A fidelity specimen is placed in a specimen chamber defined by a lower end surface of the upper piston rod, an upper end surface of the lower piston rod, and an inner wall of the annular oil bag. A variety of measuring sensors are disposed in the annular inner chamber of the annular oil bag.