FB pixel

Bringing video biometrics to depositing checks gets patent protection

Bringing video biometrics to depositing checks gets patent protection
 

Some patents make you wonder how someone could have thought up an innovation. Some make you wonder: Nobody has patented this obvious idea before?

U.S. patent 11216884, issued this month to Andre Rene Buentello and assigned to the United Services Automobile Association (USAA), protects the idea of using video cameras, webcams or a video-enabled phone to deposit checks in a bank account. Mitek has been providing check deposits through OCR on photographs taken with mobile devices for years.

Instead of taking a still image of the front and back of a check, as is now common over much of the planet, a person would deposit a check using a live two-way video feed. The patent covers the use of biometric identifiers to authenticate the depositor’s identity as well as to endorse the check.

The same assignee, United Services Automobile Association, also had a patent filing published in 2021 for “Transaction management based on sensor data,” which may be biometrics, to assess a device user’s “physical, emotional and/or intellectual state.”

Potential biometrics gathered by a device such as a smartphone or wearable and used by the system would include face and voice print as well as a number of health patterns such as heart rate, oxygen levels, body temperature and even brain waves

The idea is to assess a person’s state of mind when trying to purchase goods and prevent or delay some transactions based on emotional recognition algorithms created to keep users from, for example, buying something while drunk or angry.

Article Topics

 |   |   |   |   |   |   |   | 

Latest Biometrics News

 

UN says law enforcement should not use biometrics to surveil protestors

Law enforcement agencies should not use biometric technology to categorize, profile or remotely identify individuals during protests, the United Nations…

 

How to explain the EUDI Wallet? Industry and citizens discuss Europe’s digital ID

The European Digital Identity (EUDI) Wallet is well on its way towards becoming a reality. To explain the major impact…

 

Decentralize face authentication for control, stronger protection: Youverse

The implementation method of biometric face authentication has become increasingly important in recent years due to the limitations of traditional…

 

Researchers develop display screens with biometric sensor capabilities

Traditional display screens like those built into smartphones require extra sensors for touch control, ambient light, and fingerprint sensing. These…

 

Meta, porn industry and Kansas governor weigh in on age verification

As Europe mulls how to restrict access to certain content for minors, Meta offers its own solution. Meanwhile, U.S. states…

 

As national U.S. data privacy law becomes more likely, critics emerge to point out flaws

The push for comprehensive privacy legislation in the U.S. is gaining momentum, as the proposed American Privacy Rights Act 2024…

Comments

Leave a Reply

This site uses Akismet to reduce spam. Learn how your comment data is processed.

Most Read From This Week

Featured Company

Biometrics Insight, Opinion

Digital ID In-Depth

Biometrics White Papers

Biometrics Events