Reading Bank Checks (e.g., Documents Bearing E-13b Type Characters) Patents (Class 382/137)
  • Patent number: 11393272
    Abstract: A system comprising: a check Image Record (CIR) database configured to store, for each of a plurality of accounts, a CIR, wherein each CIR comprises feature information related to features extracted from a plurality of reference checks associated with the associated account of the plurality of accounts; memory configured to store instructions; and a processor coupled with the CIR database and the memory, the processor configured to run the instructions, which cause the processor to: receive an image of a test check associated with an account of the plurality of accounts, extract feature information from the image, compare the features with the feature information stored in the CIR database for the account associated with the test check, generate a fraud score, and update each CIR by determining.
    Type: Grant
    Filed: September 25, 2019
    Date of Patent: July 19, 2022
    Assignee: MITEK SYSTEMS, INC.
    Inventors: Matthew S. Kriegsfeld, William T. Walker, Yuriy B. Okrugin, Michael E. Diamond
  • Patent number: 11361285
    Abstract: A computerized method and system of validating a check at presentment for payment includes executing imaging software and decoding software stored in a computer memory housed in a computer, generating pixel data from the encoded indicia on the instrument, digitizing the pixel data to generate digital pixel data, storing the digital pixel data in the memory, generating a data set by decoding the digital pixel data, and transmitting the data set to a server over a network, wherein the server is configured to execute validation software to determine if the negotiable instrument has been previously presented for payment. The computer then receives a validation indicator back from said server to display on the computer.
    Type: Grant
    Filed: April 29, 2016
    Date of Patent: June 14, 2022
    Inventors: John Gardner, Edward Wyatt
  • Patent number: 11354917
    Abstract: A method for detecting images of fraudulently generated or photocopied secure credential documents using texture analysis includes receiving, by one or more processors, an image of a secure credential document from a computer device. The one or more processors segment the image of the secure credential document into multiple regions. For each region of the multiple regions, the one or more processors extract local high-resolution texture features from the image of the secure credential document. The one or more processors generate a score based on the local high-resolution texture features using a machine learning model. The score is indicative of a likelihood that the image of the secure credential document is fraudulently generated or photocopied. The one or more processors transmit a message to a display device indicating that the image of the secure credential document is fraudulently generated or photocopied.
    Type: Grant
    Filed: July 7, 2020
    Date of Patent: June 7, 2022
    Assignee: Idemia Identity & Security USA LLC
    Inventors: Brian K. Martin, Joseph R. Mayer, Alexandru Bogdan
  • Patent number: 11341469
    Abstract: Systems and methods for mobile enrollment in automated clearing house (ACH) transactions using mobile-captured images of financial documents are provided. Applications running on a mobile device provide for the capture and processing of images of documents needed for enrollment in an ACH transaction, such as a blank check, remittance statement and driver's license. Data from the mobile-captured images that is needed for enrolling in ACH transactions is extracted from the processed images, such as a user's name, address, bank account number and bank routing number. The user can edit the extracted data, select the type of document that is being captured, authorize the creation of an ACH transaction and select an originator of the ACH transaction. The extracted data and originator information is transmitted to a remote server along with the user's authorization so the ACH transaction can be setup between the originator's and receiver's bank accounts.
    Type: Grant
    Filed: November 21, 2019
    Date of Patent: May 24, 2022
    Assignee: MITEK SYSTEMS, INC.
    Inventors: John J. Roach, Grisha Nepomniachtchi
  • Patent number: 11328268
    Abstract: Disclosed is a system for authenticating checks using a mixed reality environment. The system includes a financial instrumentation central database for storing financial and identification data related to the checks, and a reality glasses coupled to the financial instrumentation central database. The reality glass includes a memory unit for storing a plurality of modules, a camera to capture the image of the check, a reality display; and a wearable processor coupled to the memory unit for processing the stored plurality of modules. The wearable processor is coupled to the financial instrumentation central database, to the camera to process captured images of the check.
    Type: Grant
    Filed: October 29, 2020
    Date of Patent: May 10, 2022
    Assignee: Bottomline Technologies Ltd.
    Inventors: Shay Bhubhut, Richard A Baker, Jr., Piyush Gupta
  • Patent number: 11295377
    Abstract: The AUTOMATIC REMOTE DEPOSIT IMAGE PREPARATION APPARATUSES, METHODS AND SYSTEMS (hereinafter “MultiCrop”) transforms uploaded check images and check deposit information inputs via MultiCrop components image into deposit confirmation outputs. For example, in one embodiment, a user may employ a personal computer connected to a web camera, and/or a smartphone with a built-in camera to initiate the remote deposit by holding a check in front of the camera, and the MultiCrop may capture images of the check and send them to a financial institution for deposit processing.
    Type: Grant
    Filed: December 6, 2019
    Date of Patent: April 5, 2022
    Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)
    Inventors: Seth E. Ethington, Aaron Kay, Adam S. Newman, Lawrence Z. Lu, Dylan Patterson
  • Patent number: 11295378
    Abstract: The APPARATUSES, METHODS AND SYSTEMS FOR A VIDEO REMOTE DEPOSIT CAPTURE PLATFORM (hereinafter “RDC-Video”) provides a platform for remote deposit by obtaining images of a check from streaming video captured by a video camera, wherein the RDC-Video transforms captured check images and/or entered check deposit information inputs via RDC-Video components into deposit confirmation outputs. For example, in one embodiment, a user may employ a personal computer connected to a web camera, and/or a smartphone with a built-in camera to initiate the remote deposit by holding a check in front of the camera, and the RDC-Video may capture images of the check and send them to a financial institution for deposit processing.
    Type: Grant
    Filed: December 9, 2019
    Date of Patent: April 5, 2022
    Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)
    Inventors: Teddy Voutour, Bharat Prasad
  • Patent number: 11244302
    Abstract: Video frames of a document are captured. The edges of the document are identified from the frames as they appear within a field of view of a camera and a document rectangle for the document is tracked within the field of view. An area of the document determined from the frames is compared against the available area of the camera preview mode and a larger superimposed guiding rectangle is displayed as a guide within the camera preview mode. When a frame for the document is detected as having document edges that substantially fit within the guiding rectangle, the guiding rectangle is removed and an optimal image of the document is captured for subsequent downstream document image processing.
    Type: Grant
    Filed: May 7, 2019
    Date of Patent: February 8, 2022
    Assignee: NCR Corporation
    Inventors: Olufisayo Adebanke Ekpenyong, Michael Gardi
  • Patent number: 11244319
    Abstract: A simulator for providing teaching and training related to negotiable instruments is disclosed. The provided simulation includes a simulated negotiable instrument. The simulator captures an image of a portion of an environment including a piece of printed collateral. The simulator then displays an augmented reality version of the environment. Displaying the augmented reality version of the environment includes detecting the printed collateral in the image, replacing the printed collateral in the image of the portion of the environment with an image of the negotiable instrument to yield an image depicting the portion of the environment as including the negotiable instrument, and presenting, the image depicting the portion of the environment as including the negotiable instrument. The simulator provides an indication of an outcome of a simulated negotiation of the negotiable instrument. Related methods and computer-readable media are disclosed.
    Type: Grant
    Filed: May 31, 2019
    Date of Patent: February 8, 2022
    Assignee: The Toronto-Dominion Bank
    Inventors: Miguel Navarro, Sadia Zaidi, Mohamed Abbas
  • Patent number: 11238686
    Abstract: Systems for item validation and image evaluation are provided. In some examples, a system may receive an instrument and associated data. The instrument may be received and at least one of a bill pay profile and a user profile may be retrieved. The bill pay profile and user profile may each include a plurality of previously processed instruments that have been determined to be valid and/or authentic. The instrument may be compared to the plurality of previously processed instruments to determine whether one or more elements of the instrument being evaluated match one or more corresponding elements of the plurality of previously processed instruments. Matching or non-matching elements may be identified. In some examples, one or more user interfaces may be generated displaying the instruments and including any highlighting or enhancements identifying matching or non-matching elements.
    Type: Grant
    Filed: October 2, 2020
    Date of Patent: February 1, 2022
    Assignee: Bank of America Corporation
    Inventors: Murali Santhanam, Michael J. Pepe, Jeanne M. Moulton, Kerry Kurt Simpkins, Jasher David Fowles, John B. Hall
  • Patent number: 11232300
    Abstract: Systems and methods for automatically verifying optical character recognition (OCR) detected text of a native electronic document having an image layer comprising a matrix of pixels and a text layer comprising a sequence of characters. The method includes determining a location of OCR-detected text in the text layer of the native electronic document based on a pixel-based coordinate location of the OCR-detected text in the image layer of the native electronic document. The method also includes applying the location of the OCR-detected text to the text layer of the native electronic document to detect text in the text layer corresponding to the OCR-detected text. The method also includes rendering only the detected text in the text layer as an output when the OCR-detected text does not match the detected text in the text layer, to improve accuracy of the output text.
    Type: Grant
    Filed: October 21, 2019
    Date of Patent: January 25, 2022
    Assignee: SUREPREP, LLC
    Inventors: David Wyle, Srinivas Lingineni, Will Hosek
  • Patent number: 11227153
    Abstract: Systems and methods are configured to extract text from images (e.g., document images) utilizing a combination of optical character recognition processes and neural network-based analysis of various images to train a machine-learning object recognition model that is configured to identify text within images based on object-comparisons between known and unknown text within images. In certain embodiments, identified text within images may be utilized to identify corresponding regions-of-interest for extraction of image data encompassing a portion of an image that may be indexed based at least in part on text identified as corresponding to the particular region-of-interest.
    Type: Grant
    Filed: December 11, 2019
    Date of Patent: January 18, 2022
    Assignee: Optum Technology, Inc.
    Inventors: V Kishore Ayyadevara, Nilav Baran Ghosh, Yeshwanth Reddy, Vineet Shukla, Kartik Chaudhary
  • Patent number: 11227394
    Abstract: Provided is a method for setting an edge blur according to a brightness value including a first step for providing a plurality of target sheets on each of which a reference pattern for detecting a reference line and a grid pattern for detecting an edge position are provided, and in which changes in brightness values included in the grid patterns are different from each other, a second step for capturing images of the target sheets to obtain target sheet images, a third step for analyzing a reference pattern for each corresponding target sheet to estimate the reference line, and analyzing the grid pattern to extract an edge profile provided in the grid pattern, a fourth step for calculating a gradient of a brightness difference between adjacent pixels on the basis of the edge profile, and acquiring a background edge blur parameter and a foreground edge blur parameter on the basis of the gradient according to brightness contrast present in the image, and a fifth step for generating background edge blur predicti
    Type: Grant
    Filed: October 13, 2017
    Date of Patent: January 18, 2022
    Assignee: Kyungpook National University Industry-Academic Cooperation Foundation
    Inventor: Su Young Seo
  • Patent number: 11222021
    Abstract: An non-transitory computer readable medium is described herein related to enhancing an SAP Archive Information System running on a SAP NetWeaver Application Server. The enhancements enable the SAP Archive Information System to query a remote relational database for archived business data. The enhancements offers multiple alternative ways of interfacing with such a database and of merging the query results obtained from such database into the SAP-standard output structures of the SAP Archive Information System.
    Type: Grant
    Filed: October 5, 2020
    Date of Patent: January 11, 2022
    Assignee: BUSINESS MOBILE AG
    Inventors: Maximilian Ralph Peter von und zu Liechtenstein, Peter Rudolf Schoenenberger
  • Patent number: 11210509
    Abstract: Systems and methods for automatic enrollment and identity verification based upon processing a captured image of a document are disclosed herein. Various embodiments enable, for example, a user to enroll in a particular service by taking a photograph of a particular document (e.g., his driver license) with a mobile device. One or more algorithms can then extract relevant data from the captured image. The extracted data (e.g., the person's name, gender, date of birth, height, weight, etc.) can then be used to automatically populate various fields of an enrollment application, thereby reducing the amount of information that the user has to manually input into his mobile device in order to complete the enrollment process. In some embodiments, a set of internal and/or external checks can be run against the data to ensure that the data is valid, has been read correctly, and is consistent with other data.
    Type: Grant
    Filed: October 6, 2020
    Date of Patent: December 28, 2021
    Assignee: MITEK SYSTEMS, INC.
    Inventors: Grigori Nepomniachtchi, James Debello, Michael Strange, Michael E. Diamond
  • Patent number: 11074443
    Abstract: A method, a device, a terminal and a storage medium for acquiring slant value of slant image are provided. The method for acquiring slant value of a slant image comprises: analyzing the slant image and acquiring coordinate information of a plurality of boundary lines of the slant image; acquiring first slant values of the boundary lines by analysing and calculating the coordinate information; acquiring a correction value; calculating difference values between the first slant values and the correction value respectively; determining the first slant value corresponding to the minimum difference value as the slant value of the slant image. The technical solution of the present disclosure can uniquely determine a slant value of slant image.
    Type: Grant
    Filed: August 30, 2017
    Date of Patent: July 27, 2021
    Assignee: PING AN TECHNOLOGY (SHENZHEN) CO., LTD.
    Inventors: Jianzong Wang, Chenyu Wang, Jin Ma, Jing Xiao
  • Patent number: 11062000
    Abstract: A method includes generating, by a computing device, a unique identifier (ID) based on copyright information associated with digital content, wherein the copyright information and the digital content are recorded on a blockchain of a blockchain network; identifying a plurality of color values associated with one or more color attributes of at least a portion of the digital content; and embedding the unique ID in the digital content by changing one or more color values of the plurality of color values to be representative of the unique ID, wherein the embedding produces information-embedded digital content that enables retrieval of the copyright information from the blockchain based on the unique ID, and wherein a visual difference between the digital content and the information-embedded digital content is not apparent to an unaided human eye.
    Type: Grant
    Filed: July 30, 2020
    Date of Patent: July 13, 2021
    Assignee: Advanced New Technologies Co., Ltd.
    Inventor: Zhiguo Li
  • Patent number: 11003935
    Abstract: A method for image processing is disclosed. The method includes: obtaining an image associated with a check; obtaining target strings associated with a payor of the check and based on a user input; obtaining extracted strings by applying multiple optical character recognition (OCR) processes with different segmentation modes to the image; identifying, using an expandable and sliding window (ESW), matches between the plurality of target strings and the plurality of extracted strings; and selecting a winning match from the plurality of matches.
    Type: Grant
    Filed: April 25, 2019
    Date of Patent: May 11, 2021
    Assignee: Prosper Funding LLC
    Inventor: Paul Golding
  • Patent number: 10915749
    Abstract: A forgery detection system includes a computer server and a database system of digital fingerprint records corresponding to forged or altered objects of a given object type. Using the computer server, a digital image of a suspect object of the given object type is accessed, an authentication region is selected, and a native feature within the authentication region is extracted. The native feature describes physical characteristics of the authentication region without recognizing content that appears in the authentication region. The computer server forms a feature vector to represent the native feature in a compact form and queries the database system to obtain a result responsive to digital fingerprint records that match the feature vector. Each matching digital fingerprint record is counted, and if the count of fraud indicator matches crosses a predetermined threshold indicating a confidence level that the suspect object is forged or altered, a report based is generated and communicated to a user interface.
    Type: Grant
    Filed: July 20, 2018
    Date of Patent: February 9, 2021
    Assignee: ALITHEON, INC.
    Inventors: David Ross, Brian Elmenhurst, Mark Tocci, John Forbes, Heather Wheelock Ross
  • Patent number: 10917410
    Abstract: Systems for dynamic profile control are provided. A system may receive first check data that may include a number of checks written over a predetermined time period for an account, or the like. The first check data may be analyzed to determine a number of checks written in a predetermined time period and the volume or number may be compared to one or more thresholds or ranges. Based on the comparison, a first tier level may be identified for the account or the like. A profile record may be generated including a check profile that may include one or more parameters determined based on the identified first tier level. The system may then build the profile by adding checks or other documents to the profile upon determining that the checks or other documents meet predefined criteria. After a predetermined time period has expired, the system may process additional data to determine whether the identified tier level and associated parameters should be modified.
    Type: Grant
    Filed: October 11, 2018
    Date of Patent: February 9, 2021
    Assignee: Bank of America Corporation
    Inventors: Robert E. Mills, Jr., Murali Santhanam, Kerry Kurt Simpkins, John B. Hall, Michael J. Pepe, Jr., Jasher David Fowles, Jeanne Moulton, Susan Deans, Athena Barlow
  • Patent number: 10915879
    Abstract: An image of a check may be presented for payment in a banking system in place of the physical paper check. The check to be deposited can be collected from a depositor using a scanner. A web site, accessed through a depositor's web browser, can be used to drive the process of collecting the check, but in some contexts (e.g., in less popular computing environments, such as those that do not run the most popular operating systems), it is economically infeasible to obtain the certificates that would be used to allow a program executing in the web browser to control the scanner. Thus, a depositor can be instructed to capture and upload images of the check in the form of files, where the image files are then presented for payment through a banking system.
    Type: Grant
    Filed: November 25, 2019
    Date of Patent: February 9, 2021
    Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)
    Inventors: Jeff Pollack, Michael Frank Morris, Bharat Prasad, Frank Kyle Major, John Weatherman Brady, Ralph Paige Mawyer, Jr., Clint James Reynolds, Kairav Mahesh Shah
  • Patent number: 10909362
    Abstract: Systems and methods are provided for assessing whether mobile deposit processing engines meet specified standards for mobile deposit of financial documents. A mobile deposit processing engine (MDE) is evaluated to determine if it can perform technical capabilities for improving the quality of and extracting content from an image of a financial document. A verification process then begins, where the MDE performs the image quality enhancements and text extraction steps on sets of images from a test deck. The results of the processing of the test deck are then evaluated by comparing confidence levels with thresholds to determine if each set of images should be accepted or rejected. Further analysis determines whether any of the sets of images were falsely accepted or rejected in error. An overall error rate is then compared with minimum accuracy criteria, and if the criteria are met, the MDE meets the standard for mobile deposit.
    Type: Grant
    Filed: January 28, 2019
    Date of Patent: February 2, 2021
    Assignee: Mitek Systems, Inc.
    Inventors: Grigori Nepomniachtchi, Mike Strange
  • Patent number: 10885514
    Abstract: A method for controlling a near field communication between a device and a transaction card is disclosed. The method includes the steps of capturing, by a front-facing camera of the device, a series of images of the transaction card and processing each image of the series of images to identify a darkness level associated with a distance of the transaction card from the front of the device. The method includes comparing each identified darkness level to a predetermined darkness level associated with a preferred distance for a near field communication read operation and automatically triggering a near field communication read operation between the device and the transaction card for the communication of a cryptogram from an applet of the transaction card to the device in response to the identified darkness level corresponding to the predetermined darkness level associated with the preferred distance for the near field communication read operation.
    Type: Grant
    Filed: July 15, 2019
    Date of Patent: January 5, 2021
    Assignee: Capital One Services, LLC
    Inventors: Colin Hart, Jose Vazquez, Jason Ji
  • Patent number: 10853638
    Abstract: A system and method for extracting structured information from image documents is disclosed. An input image document is obtained, and the input image document may be analyzed to determine a skeletal layout of information included in the input image document. A measure of similarity between the determined skeletal layout and each of the document templates may be determined. A document template may be selected as a matched template, based on the determined measure of similarity. Box areas from the input image document may be cropped out, and optical character recognition (OCR) may be performed on the box areas. Obtained recognized text may be automatically processed using directed search to correct errors made by the OCR. Statistical language modeling may be used to classify the input image document into a classification category, and the classified input image document may be processed according to the classification category.
    Type: Grant
    Filed: October 29, 2018
    Date of Patent: December 1, 2020
    Assignee: Accenture Global Solutions Limited
    Inventors: Abhisek Mukhopadhyay, Shubhashis Sengupta
  • Patent number: 10825279
    Abstract: Systems for item validation and image evaluation are provided. In some examples, a system may receive an instrument and associated data. The instrument may be received and at least one of a bill pay profile and a user profile may be retrieved. The bill pay profile and user profile may each include a plurality of previously processed instruments that have been determined to be valid and/or authentic. The instrument may be compared to the plurality of previously processed instruments to determine whether one or more elements of the instrument being evaluated match one or more corresponding elements of the plurality of previously processed instruments. Matching or non-matching elements may be identified. In some examples, one or more user interfaces may be generated displaying the instruments and including any highlighting or enhancements identifying matching or non-matching elements.
    Type: Grant
    Filed: December 6, 2018
    Date of Patent: November 3, 2020
    Assignee: Bank of America Corporation
    Inventors: Murali Santhanam, Michael Joseph Pepe, Jeanne M. Moulton, Kerry Kurt Simpkins, Jasher David Fowles, John B. Hall
  • Patent number: 10726286
    Abstract: A magnetic ink character reader includes a transport unit configured to move a medium along a transport path, a reader configured to magnetically read magnetic ink characters printed on the medium, while the medium is moved along the transport path and to output a signal waveform corresponding to the magnetic ink characters, and a processor configured to compare a transportation direction of the medium through the reader to a forward reading direction of the reader, and to invert, in horizontal and vertical directions, the signal waveform output from the reader when the transportation direction is not the forward reading direction. The processor performs magnetic character recognition using the signal waveform from the reader when the transportation direction is the forward reading direction and the inverted signal waveform when the transportation direction is a reverse reading direction opposite the forward reading direction.
    Type: Grant
    Filed: January 7, 2019
    Date of Patent: July 28, 2020
    Assignee: TOSHIBA TEC KABUSHIKI KAISHA
    Inventor: Kengo Saga
  • Patent number: 10691884
    Abstract: System and method for cheque image data masking are disclosed. In an example, a cheque image and a data file are received, the data file includes data records with values corresponding to sensitive data fields in the cheque image. Further, a template cheque image matching to the cheque image and redacted information associated with the template cheque image are obtained. Furthermore, a blank image snippet is generated for each sensitive data field in the cheque image based on a part of the obtained information about sensitive fields. Moreover, values corresponding to each sensitive field from the input data file are written to the blank image snippet based on the remaining information about sensitive fields. Also, the template cheque image is updated with the image snippet. Data of non-sensitive fields in the cheque image is then copied to the template cheque image, thereby facilitating cheque image data masking.
    Type: Grant
    Filed: March 23, 2017
    Date of Patent: June 23, 2020
    Assignee: Tata Consultancy Services Limited
    Inventors: Arun Kumar Jindal, Srinivasa Rao Chalamala, Ajeet Kumar Singh, Vijayanand Mahadeo Banahatti, Sachin Premsukh Lodha, Sumit Johri, Mayur Jain, Nandita Babu, Nikhil Girish Patwardhan, Ashim Roy
  • Patent number: 10679247
    Abstract: Incremental model training for advertisement targeting is performed using streaming data. A model for targeting advertisements of an advertising campaign is initialized. A data stream including data corresponding to converters and data corresponding to non-converters is received. The model is then applied to the data corresponding to the converter and data corresponding to the non-converter (or other ratio of converter to non-converters) to obtain a predicted score for each. The predicted score is compared to the observed score (e.g., an observed score of 1 for a converter, and 0 for a non-converter). The difference between the predicted and observed scores is computed, and the model is incrementally updated based on this difference. Models can optionally be built separately on multiple modeling servers that are geographically dispersed in order to support bidding on advertising opportunities in a real-time bidding environment.
    Type: Grant
    Filed: March 31, 2016
    Date of Patent: June 9, 2020
    Assignee: Quantcast Corporation
    Inventor: Gaurav Chandalia
  • Patent number: 10664919
    Abstract: In several embodiments, methods, systems, and computer program products for processing digital images captured by a mobile device are disclosed. The techniques include detecting medical documents and/or documents relevant to an insurance claim by defining candidate edge points based on the captured image data and defining four sides of a tetragon based on at least some of the candidate edge points. In the case of an insurance claim process, the techniques also include determining whether the document is relevant to an insurance claim; and in response to determining the document is relevant to the insurance claim, submitting the image data, information extracted from the image data, or both to a remote server for claims processing. The image capture and processing techniques further facilitate processing of medical documents and/or insurance claims with a plurality of additional features that may be used individually or in combination in various embodiments.
    Type: Grant
    Filed: December 29, 2016
    Date of Patent: May 26, 2020
    Assignee: KOFAX, INC.
    Inventors: Anthony Macciola, Jan Willers Amtrup, Alexander Shustorovich, Christopher W. Thrasher
  • Patent number: 10614302
    Abstract: A physical object is scanned and a digital image of the object is generated from the scan. At least one subset of the image, known as an “authentication region” is selected. A plurality of feature vectors, arising from the physical structure of the object, are extracted from certain locations of interest within an authentication region and combined to generate a unique identifier or “digital fingerprint” for that object. Preferably, authentication regions for feature vector extraction are automatically selected by a software process. To identify or authenticate an object, a system may compare a digital fingerprint of an object to digital fingerprints previously stored in a database. Digital fingerprint data may specify a set of features (also termed “locations of interest”) which may be referenced in the creation of a “fingerprint template” which is a template of certain locations of interest and/or attributes selected for authenticating a particular class of objects.
    Type: Grant
    Filed: May 19, 2017
    Date of Patent: April 7, 2020
    Assignee: ALITHEON, INC.
    Inventors: Justin Lynn Withrow, David Justin Ross
  • Patent number: 10592549
    Abstract: A user may capture an image of a document using a mobile device. The mobile device may crop and clean the image. The mobile device may perform optical character recognition on the image and output a character string. The mobile device may match portions of the character string with stored records and determine a likelihood that the stored record corresponds to the image. The mobile device may display potential matches for the image, and the user may select the record which matches the image.
    Type: Grant
    Filed: October 12, 2018
    Date of Patent: March 17, 2020
    Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventors: Deepak Arora, Donald R. Bloyer, Peter Gosling, Daniel Gruici, Anish Jacob, Kyle Knez, Christine Elizabeth Martin, Allison Mary Romano, Kedar P. Vaidya
  • Patent number: 10559156
    Abstract: The present subject matter is related in general to image processing that discloses a method for detecting nationality and layout of an input image. A nationality detection system retrieves predefined Financial Document (FD) images based on extracted features of an input image from a database and performs template matching of each predefined FD image with the input image to compute a first layout relevance score for each predefined FD image. Therefore, complexity of performing template matching with every predefined image in the database is eliminated, thereby increasing the processing speed. The nationality detection system detects the nationality and layout of the input image based on highest first layout relevance score if it is greater than or equal to predefined threshold value. Else, the nationality and layout of the input image are detected based on a nationality-based relevance score computed using the first layout relevance score of each predefined FD image.
    Type: Grant
    Filed: November 13, 2017
    Date of Patent: February 11, 2020
    Assignees: Kabushiki Kaisha Toshiba, Toshiba Infrastructure Systems & Solutions Corporation
    Inventors: Arya Sukumar, Rajkumar Joseph, Vijaya Kumar Tiruveedhula
  • Patent number: 10528252
    Abstract: Techniques permitting users to input keyboard key combinations via context menu shortcuts are provided. A context menu may be invoked by long-pressing a function key such as “Ctrl.” The context menu includes key combination shortcuts associated with the pressed function key. For example, key combination shortcuts presented in the context menu for “Ctrl” may include “Ctrl+A,” “Ctrl+C,” “Ctrl+X,” “Ctrl+V,” and “Ctrl+Alt+Del.” The user can input a desired key combination by tapping on an appropriate shortcut. The context menu may include default and/or user-specified key combinations. Default key combinations may be application or operating system specific. In addition, users may configure desired key combinations to be displayed in the context menu for a given function key.
    Type: Grant
    Filed: May 30, 2014
    Date of Patent: January 7, 2020
    Assignee: VMWARE, INC.
    Inventors: Sabrina Hou, Peng Guo
  • Patent number: 10528925
    Abstract: Systems and methods for mobile enrollment in automated clearing house (ACH) transactions using mobile-captured images of financial documents are provided. Applications running on a mobile device provide for the capture and processing of images of documents needed for enrollment in an ACH transaction, such as a blank check, remittance statement and driver's license. Data from the mobile-captured images that is needed for enrolling in ACH transactions is extracted from the processed images, such as a user's name, address, bank account number and bank routing number. The user can edit the extracted data, select the type of document that is being captured, authorize the creation of an ACH transaction and select an originator of the ACH transaction. The extracted data and originator information is transmitted to a remote server along with the user's authorization so the ACH transaction can be setup between the originator's and receiver's bank accounts.
    Type: Grant
    Filed: June 19, 2012
    Date of Patent: January 7, 2020
    Assignee: MITEK SYSTEMS, INC.
    Inventors: John J. Roach, Grisha Nepomniachtchi
  • Patent number: 10510113
    Abstract: The disclosure extends to computer-implemented personal financial management tools, methods and systems for providing financial transaction data to a user in the form of transaction images, such as check images, deposit images, receipt images, and other transaction related images, which may be incorporated into the personal financial management tool. The disclosure also extends to computer-implemented personal financial management tools, methods and systems for receiving core data, which may include transaction data, from a financial or banking institution and processing the data by cleansing the data, automatically categorizing the data, classifying the data, and then sending that processed data back to the financial or banking institution. The disclosure also extends to receiving and sending such data to and from the financial or banking institution in real-time.
    Type: Grant
    Filed: September 9, 2014
    Date of Patent: December 17, 2019
    Assignee: MX TECHNOLOGIES, INC.
    Inventor: John Ryan Caldwell
  • Patent number: 10489645
    Abstract: Methods for automatically verifying text detected by optical character recognition (OCR). The method includes obtaining a native digital document having an image layer comprising a matrix of computer-renderable pixels and a text layer comprising computer-readable encodings of a sequence of characters. The method includes obtaining OCR-detected text from the image layer of the native digital document and a pixel-based coordinate location of the OCR-detected text in the image layer of the native digital document. The method includes determining, using a pixel transformation, a computer-interpretable location of the OCR-detected text in the text layer of the native digital document. The method includes detecting text in the text layer based on the computer-interpretable location of the OCR-detected text in the text layer. The method includes rendering only the detected text in the text layer when the OCR-detected text does not match the detected text in the text layer.
    Type: Grant
    Filed: March 15, 2018
    Date of Patent: November 26, 2019
    Assignee: SUREPREP, LLC
    Inventors: David Wyle, Srinivas Lingineni, Will Hosek
  • Patent number: 10489644
    Abstract: Disclosed are systems and methods for automatically verifying text of a native digital document having an image layer and a text layer. The text is detected by optical character recognition (OCR) of the image layer, and is compared to text at a corresponding location in the text layer. Normalization processing is performed on both the detected image-layer text and the text-layer text. When the image-layer text and the text-layer text do not match, the text-layer text may be used or an icon indicating that the image-layer text and the text-layer text do not match is rendered and displayed.
    Type: Grant
    Filed: July 27, 2018
    Date of Patent: November 26, 2019
    Assignee: SUREPREP, LLC
    Inventors: David Wyle, Srinivas Lingineni, Will Hosek
  • Patent number: 10460012
    Abstract: A document lens service identifies a document profile specific to an end-user that is indicative of a model document for the end-user. When a productivity document is opened to be consumed by the end-user in a user interface to a productivity application, the service modifies the productivity document based at least on the document profile to align the productivity document with the model document. The productivity document is then rendered as-modified in the user interface.
    Type: Grant
    Filed: January 28, 2016
    Date of Patent: October 29, 2019
    Assignee: Microsoft Technology Licensing, LLC
    Inventors: Bernhard Kohlmeier, Pradeep Chilakamarri, Chenguang Yang
  • Patent number: 10460011
    Abstract: A document lens service identifies an end-user targeted to consume a productivity document being authored in a user interface to a productivity application. The service then also identifies a document profile specific to the end-user indicative of a model document for the end-user to consume. While the productivity document is being authored, suggestions may be surfaced in the user interface for aligning the productivity document with the model document.
    Type: Grant
    Filed: January 28, 2016
    Date of Patent: October 29, 2019
    Assignee: Microsoft Technology Licensing, LLC
    Inventors: Bernhard Kohlmeier, Pradeep Chilakamarri, Chenguang Yang
  • Patent number: 10423851
    Abstract: Speed and accuracy of character recognition can be improved by isolating text orientation during an early stage of processing an image containing a mixture of horizontal and vertical text. Vertical and horizontal line bounding boxes are defined from characters in the image. In a section of the image containing horizontal text, vertical line bounding boxes may tend to be larger and/or spaced close together due to misalignment of characters. For the same reason, horizontal line bounding boxes may tend to be larger and/or spaced closed together in a section of the image containing vertical text. Such variations in size and/or spacing may be used to identify a division between the horizontal and vertical text. A subsequent character recognition process may take advantage of a known division to conserve computing resources.
    Type: Grant
    Filed: February 28, 2018
    Date of Patent: September 24, 2019
    Assignee: KONICA MINOLTA LABORATORY U.S.A., INC.
    Inventor: Charles David Tallman
  • Patent number: 10402590
    Abstract: A method and system masks sensitive fields on a cheque image based one or more access privileges assigned to a user. The method involves receiving a cheque image at a cheque masking engine. A cheque template from one or more cheque templates is selected based on metadata associated with the cheque image. One or more zones of sensitive information associated with the cheque image are identified based on the one or more access privileges assigned to the user and a comparison with the selected cheque template. One or more characters are extracted from the one or more zones of sensitive information. The extracted one or more characters are aliased based on an aliasing rule. Another cheque image is generated by overlaying the one or more zones of sensitive information with the aliased one or more characters.
    Type: Grant
    Filed: September 12, 2016
    Date of Patent: September 3, 2019
    Assignee: Infosys Limited
    Inventors: Harikrishna Gandhinagara Narayana Rai, Sivaram Vargheese Thangam, Krishnamurthy Sai Deepak, Radha Krishna Pisipati
  • Patent number: 10380565
    Abstract: A method and system are disclosed for submitting financial instruments, cash and other value bearing documents for deposit at retail locations unaffiliated with the various financial institutions the deposits are directed to. The method includes identifying account holders and scanning the physical documents to be deposited with equipment at the retail location that is provided by a third party facilitator. The equipment at the retail location communicates with a third party facilitator system to lookup bank routing information and uses this information to complete a remote deposit transaction for the account holder with that account holder's particular financial institution. The system may include a standalone or distributed system having a memory in communication with a processor system configured to perform the method noted above.
    Type: Grant
    Filed: January 7, 2013
    Date of Patent: August 13, 2019
    Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)
    Inventor: Bharat Prasad
  • Patent number: 10372724
    Abstract: A method and apparatus for mapping concepts and attributes to distance fields via rvachev-functions. The steps including generating, for a plurality of objects, equations representing boundaries of attributes for each respective object, converting, for a plurality of objects, the equations into greater than or equal to zero type inequalities, generating, for a plurality of objects, a logical expression combining regions of space defined by the inequalities into a semantic entity, and substituting, for a plurality of objects, the logical expression with a corresponding rvachev-function such that the resulting rvachev-function is equal to 0 on a boundary of the semantic entity, greater then 0 inside a region of the semantic entity, and less then 0 outside the region of the semantic entity. Also included is the step of generating a composite rvachev-function representing logical statements corresponding to the plurality of objects using the respective rvachev-functions of the objects.
    Type: Grant
    Filed: September 27, 2013
    Date of Patent: August 6, 2019
    Assignee: Kyndi Inc.
    Inventor: Arun Majumdar
  • Patent number: 10346813
    Abstract: A method for validating the physical parameters of a check to approve or deny the deposit transaction comprising the steps of scanning a physical check with a scanner, comparing the digital scan of the check against preset digital parameters by a field comparator to insure that the digital scan of the check meets predetermined physical check parameters and check fields and preparing a written rejection/acceptance to the check submitted in the form of a deposit receipt.
    Type: Grant
    Filed: June 26, 2015
    Date of Patent: July 9, 2019
    Assignee: NEWGEN SOFTWARE INC.
    Inventor: Mayank Kumar
  • Patent number: 10346716
    Abstract: An efficient method and apparatus for identifying one or more targets in an image is presented. A matching operation is performed that compares the image against multiple templates jointly. The multiple templates are sorted into multiple clusters. The joint template matching operation achieves an improvement in performance by focusing on a subset of the clusters. For each grid location, clusters whose reference templates have low matching scores with the image content of the grid location are bypassed or excluded from the matching operation. This saving in computation load is made possible by the clustering of the templates, which can be performed offline and does not affect the performance of the joint template matching operation.
    Type: Grant
    Filed: September 15, 2017
    Date of Patent: July 9, 2019
    Assignee: INTERNATIONAL BUSINESS MACHINES CORPORATION
    Inventors: Peng Gao, Guo Qiang Hu, Jing Chang Huang, Jun Chi Yan, Jun Zhu
  • Patent number: 10289997
    Abstract: Video frames of a document are captured. The edges of the document are identified from the frames as they appear within a field of view of a camera and a document rectangle for the document is tracked within the field of view. An area of the document determined from the frames is compared against the available area of the camera preview mode and a larger superimposed guiding rectangle is displayed as a guide within the camera preview mode. When a frame for the document is detected as having document edges that substantially fit within the guiding rectangle, the guiding rectangle is removed and an optimal image of the document is captured for subsequent downstream document image processing.
    Type: Grant
    Filed: January 26, 2017
    Date of Patent: May 14, 2019
    Assignee: NCR Corporation
    Inventors: Olufisayo Adebanke Ekpenyong, Michael Gardi
  • Patent number: 10268635
    Abstract: 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.
    Type: Grant
    Filed: June 17, 2016
    Date of Patent: April 23, 2019
    Assignee: BANK OF AMERICA CORPORATION
    Inventor: Manu Jacob Kurian
  • Patent number: 10229334
    Abstract: A magnetic ink character reader includes a transport unit configured to move a medium along a transport path, a reader configured to magnetically read magnetic ink characters printed on the medium, while the medium is moved along the transport path and to output a signal waveform corresponding to the magnetic ink characters, and a processor configured to compare a transportation direction of the medium through the reader to a forward reading direction of the reader, and to invert, in horizontal and vertical directions, the signal waveform output from the reader when the transportation direction is not the forward reading direction. The processor performs magnetic character recognition using the signal waveform from the reader when the transportation direction is the forward reading direction and the inverted signal waveform when the transportation direction is a reverse reading direction opposite the forward reading direction.
    Type: Grant
    Filed: January 12, 2017
    Date of Patent: March 12, 2019
    Assignee: Toshiba TEC Kabushiki Kaisha
    Inventor: Kengo Saga
  • Patent number: 10218900
    Abstract: Video frames of a document are captured. A current orientation mode of a device having a camera is determined based on the video frames. An optimal orientation mode for capturing a document image is determined. Guided instructions assist in placing the device in the optimal orientation mode and when the document is centered in a lens of the camera, the document image is taken by the camera.
    Type: Grant
    Filed: November 30, 2016
    Date of Patent: February 26, 2019
    Assignee: NCR Corporation
    Inventor: Olufisayo Adebanke Ekpenyong
  • Patent number: 10192108
    Abstract: Systems and methods are provided for assessing whether mobile deposit processing engines meet specified standards for mobile deposit of financial documents. A mobile deposit processing engine (MDE) is evaluated to determine if it can perform technical capabilities for improving the quality of and extracting content from an image of a financial document. A verification process then begins, where the MDE performs the image quality enhancements and text extraction steps on sets of images from a test deck. The results of the processing of the test deck are then evaluated by comparing confidence levels with thresholds to determine if each set of images should be accepted or rejected. Further analysis determines whether any of the sets of images were falsely accepted or rejected in error. An overall error rate is then compared with minimum accuracy criteria, and if the criteria are met, the MDE meets the standard for mobile deposit.
    Type: Grant
    Filed: March 17, 2015
    Date of Patent: January 29, 2019
    Assignee: MITEK SYSTEMS, INC.
    Inventors: Grigori Nepomniachtchi, Mike Strange