Abstract: A central system for receiving captured transaction data from a plurality of remote capture devices over a network, the remote capture devices including a mobile device type and a fixed location device type, the system comprising: a receipt module to receive the captured transaction data; a processing module to process the received captured transaction data; and a storage module to store the processed transaction data such that characteristic data of the mobile device type is associated with the stored transaction data for said processed transaction data originating from a remote capture device of the mobile device type.

Abstract: A system and method for providing one or more client systems for communicating with a host system over a network. The client systems use a scanner to convert a paper form of a check, coupon, or other paper document to a digital representation and then the client systems send the digital representation over a network to the host system for storage. The host system archives the digital representation and determines the appropriate processing stream for a transaction related to the paper document (e.g. coupon, check), via a decisioning engine, based on a set of predefined stream selection rules. The host system then communicates the transaction to a back end transaction destination, according to the selected processing stream. Examples of the transaction destination can include ACH, Reproduce Paper, and Remittance.

Abstract: Provided is a system for coordinating collection and processing of digital data by a plurality of deposit modules with respect to a plurality of users over a communications network, the digital data based on a plurality of original paper deposits and including at least digital images of the original paper deposits and respective deposit information, the system comprising: a communications module that provides a list of one or more deposit functions assigned to each respective user, each of the deposit functions coordinated by a corresponding module of the plurality of deposit modules, and that provides a list of the respective digital data that is associated with each of the assigned deposit modules; the plurality of deposit modules that facilitates a distribution of the deposit functions for the collection and processing of the digital data with one or more users of the plurality of users.

Abstract: A central system for receiving captured transaction data from a plurality of remote capture devices over a network, the remote capture devices including a mobile device type and a fixed location device type, the system comprising: a receipt module to receive the captured transaction data; a processing module to process the received captured transaction data; and a storage module to store the processed transaction data such that characteristic data of the mobile device type is associated with the stored transaction data for said processed transaction data originating from a remote capture device of the mobile device type.

Abstract: A system and method for providing one or more client systems for communicating with a host system over a network. The client systems use a scanner to convert a paper form of a check, coupon, or other paper document to a digital representation and then the client systems send the digital representation over a network to the host system for storage. The host system archives the digital representation and determines the appropriate processing stream for a transaction related to the paper document (e.g. coupon, check), via a decisioning engine, based on a set of predefined stream selection rules. The host system then communicates the transaction to a back end transaction destination, according to the selected processing stream. Examples of the transaction destination can include ACH, Reproduce Paper, and Remittance.

Abstract: An automated document processing system, particularly for mobile image capture and processing of financial documents to enhance images captured on a mobile device with camera capabilities for data extraction. The systems comprise a mobile device that includes a capture device configured to capture color images of documents, and that has a processor for performing certain operations, such as color reduction, and a transmitter for sending an image from the mobile device to a server. The server is configured to optimize and enhance the image, and to apply an improved binarization algorithm using a window within a relevant document field and/or a threshold for the document field. Orientation correction may also be performed at the server by reading the MICR line on a check and comparing a MICR confidence to a threshold. A check image may also be size corrected using features of the MICR line and expected document dimensions.

Abstract: A method and system for determining an optical waveform based on a plurality of print features of a selected marking of a document. The method and system comprise obtaining optical image data representing the print features of the selected marking. The optical image data is corrected for at least one of print contrast or reflectance of the print features in the optical image data using respective print contrast thresholds or reflectance thresholds to produce a converted pixel map of the selected marking, the pixel map containing an ordered sequence of values. Also included is a generation module to transform the print features represented in the converted pixel map to a plurality of corresponding waveform features to produce the optical waveform of the selected marking, the corresponding waveform features including a plurality of spaced apart peaks representing respective optical signal levels of the print features.

Abstract: Provided is a system for coordinating collection and processing of digital data by a plurality of deposit modules with respect to a plurality of users over a communications network, the digital data based on a plurality of original paper deposits and including at least digital images of the original paper deposits and respective deposit information, the system comprising: a communications module that provides a list of one or more deposit functions assigned to each respective user, each of the deposit functions coordinated by a corresponding module of the plurality of deposit modules, and that provides a list of the respective digital data that is associated with each of the assigned deposit modules; the plurality of deposit modules that facilitates a distribution of the deposit functions for the collection and processing of the digital data with one or more users of the plurality of users.

Abstract: A system and method for providing one or more client systems for communicating with a host system over a network. The client systems use a scanner to convert a paper form of a check, coupon, or other paper document to a digital representation and then the client systems send the digital representation over a network to the host system for storage. The host system archives the digital representation and determines the appropriate processing stream for a transaction related to the paper document (e.g. coupon, check), via a decisioning engine, based on a set of predefined stream selection rules. The host system then communicates the transaction to a back end transaction destination, according to the selected processing stream. Examples of the transaction destination can include ACH, Reproduce Paper, and Remittance.

Abstract: A system and method for providing one or more client systems for communicating with a host system over a network. The client systems use a scanner to convert a paper form of a check, coupon, or other paper document to a digital representation and then the client systems send the digital representation over a network to the host system for storage. The host system archives the digital representation and determines the appropriate processing stream for a transaction related to the paper document (e.g. coupon, check), via a decisioning engine, based on a set of predefined stream selection rules. The host system then communicates the transaction to a back end transaction destination, according to the selected processing stream. Examples of the transaction destination can include ACH, Reproduce Paper, and Remittance.

Abstract: A system for determining a plurality of PCS values for a document image representing a document having at least one area of interest on a surface of the physical item for containing critical data and a background image positioned on the surface, the document suitable for positioning in a digital image recorder, the system determines from the memory a plurality of PCS threshold values having specified surface locations matching the assigned locations of the calculated PCS values and compares the PCS threshold values with the calculated PCS values to determine whether the target portions satisfy their respective PCS threshold values; wherein the degree of target portions that satisfy their PCS threshold value is indicative of the acceptability of the design of the background image when processed by the digital image recorder.

Abstract: A system and method for providing one or more client systems for communicating with a host system over a network. The client systems use a scanner to convert a paper form of a check, coupon, or other paper document to a digital representation and then the client systems send the digital representation over a network to the host system for storage. The host system archives the digital representation and determines the appropriate processing stream for a transaction related to the paper document (e.g. coupon, check), via a decisioning engine, based on a set of predefined stream selection rules. The host system then communicates the transaction to a back end transaction destination, according to the selected processing stream. Examples of the transaction destination can include ACH, Reproduce Paper, and Remittance.

Abstract: A method and system for determining an optical waveform based on a plurality of print features of a selected marking of a document. The method and system comprise obtaining optical image data representing the print features of the selected marking. The optical image data is corrected for at least one of print contrast or reflectance of the print features in the optical image data using respective print contrast thresholds or reflectance thresholds to produce a converted pixel map of the selected marking, the pixel map containing an ordered sequence of values. Also included is a generation module to transform the print features represented in the converted pixel map to a plurality of corresponding waveform features to produce the optical waveform of the selected marking, the corresponding waveform features including a plurality of spaced apart peaks representing respective optical signal levels of the print features.

Abstract: A method and system for determining an optical waveform based on a plurality of print features of a selected marking of a document. The method and system comprise obtaining optical image data representing the print features of the selected marking. The optical image data is corrected for at least one of print contrast or reflectance of the print features in the optical image data using respective print contrast thresholds or reflectance thresholds to produce a converted pixel map of the selected marking, the pixel map containing an ordered sequence of values. Also included is a generation module to transform the print features represented in the converted pixel map to a plurality of corresponding waveform features to produce the optical waveform of the selected marking, the corresponding waveform features including a plurality of spaced apart peaks representing respective optical signal levels of the print features.

Abstract: A system relates to determining PCS values for a document image representing a document having at least one area of interest on a surface of the physical item for containing critical data and a background image positioned on the surface, the document suitable for positioning in a digital image recorder. The system includes an input module configured for obtaining reflectance values distributed across the surface of the document; a memory configured for storing PCS threshold values assigned to corresponding locations on the surface; a calculation module configured for determining respective PCS values of target portions of the surface.

Abstract: A system and method for providing one or more client systems for communicating with a host system over a network. The client systems use a scanner to convert a paper form of a check, coupon, or other paper document to a digital representation and then the client systems send the digital representation over a network to the host system for storage. The host system archives the digital representation and determines the appropriate processing stream for a transaction related to the paper document (e.g. coupon, check), via a decisioning engine, based on a set of predefined stream selection rules. The host system then communicates the transaction to a back end transaction destination, according to the selected processing stream. Examples of the transaction destination can include ACH, Reproduce Paper, and Remittance.

Abstract: A plurality of PCS values are determined for a document having an area of interest containing critical data and a background image. Reflectance values distributed across the document are obtained and PCS threshold values corresponding to a plurality of locations on the document are stored in memory. Respective PCS values of a plurality of target portions of the surface are determined, each respective PCS value based on a reflectance value of the corresponding target portion and a reflectance value of a corresponding region located adjacent to the target portion, each of the regions being different for each target portion, each PCS value assigned a location representative of the location of the target portion, the size of the region being greater than the size of the target portion. The stored PCS threshold values are compared with the calculated PCS values to determine the acceptability of the background image.

Abstract: A system for determining a plurality of PCS values for a document image representing a document having at least one area of interest on a surface of the physical item for containing critical data and a background image positioned on the surface, the document suitable for positioning in a digital image recorder, the system determines from the memory a plurality of PCS threshold values having specified surface locations matching the assigned locations of the calculated PCS values and compares the PCS threshold values with the calculated PCS values to determine whether the target portions satisfy their respective PCS threshold values; wherein the degree of target portions that satisfy their PCS threshold value is indicative of the acceptability of the design of the background image when processed by the digital image recorder.

Abstract: Client systems use a scanner to convert a paper form of a document to a digital representation and then send the digital representation over a network to a host system for storage. The host system archives the digital representation and determines the appropriate processing stream for a transaction related to the paper document, via a decisioning engine, based on a set of predefined stream selection rules. The host system then communicates the transaction to a back end transaction destination, according to the selected processing stream, using a hierarchy for coordinating the configuration of the host and client systems as well as coordinating the settlement process for the digital representations.

Abstract: A system for determining a plurality of reflectance values for an item design representing a physical item having at least one area of interest on a surface of the physical item for containing critical data and a background feature positioned on the surface, the physical item suitable for positioning in a digital image recorder, the system comprising: an input module configured for receiving one or more material reflectance values of a substrate for providing said surface and design parameters for said background feature, the design parameters including a color and a color density of said background feature; a memory configured for storing a plurality of color reflectance values assigned to a corresponding plurality of selected combinations of specified design parameters; a look-up module configured for determining from the memory one or more color reflectance values having the specified design parameters matching the design parameters for said background feature; a combination module configured for combining