Reading Bank Checks (e.g., Documents Bearing E-13b Type Characters) Patents (Class 382/137)
  • Patent number: 8995012
    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.
    Type: Grant
    Filed: November 5, 2010
    Date of Patent: March 31, 2015
    Assignee: RDM Corporation
    Inventors: Graham Heit, Dhammika Botejue, Frank McGovern, Dima Shamroni
  • Patent number: 8983170
    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 15, 2013
    Date of Patent: March 17, 2015
    Assignee: Mitek Systems, Inc.
    Inventors: Grigori Nepomniachtchi, Mike Strange
  • Publication number: 20150063673
    Abstract: The invention relates to a ultraviolet anti-counterfeiting check verification method which solves subjective defect and time consuming problems of the traditional verification methods, and comprises the following steps: a. collecting ultraviolet gray level image by a ultraviolet scanner; b. extracting a first binary image from the ultraviolet gray level image; c. calculating a tilt angle of the first binary image; d. calculating tilt correction positions of pixels of the ultraviolet gray level image and the first binary image; e. determining a top left corner locating position of a first binary image rectangle; f. extracting a second binary image from the tilt corrected ultraviolet gray level image; g. performing position correction on the second binary image of a check to be verified; and h. calculating the matching degree between the second binary image of the check to be verified and a second binary image of a real check to verify authenticity.
    Type: Application
    Filed: August 22, 2012
    Publication date: March 5, 2015
    Applicant: CHENGDU SANTAI ELECTRONIC INDUSTRY CO., LTD.
    Inventors: Jian Bu, An Luo, Shaochuan Feng, Gaimei Shi, Ruhuan Hu, Ze Miu, Yun Bai, Yun Yang
  • Patent number: 8965099
    Abstract: A paper sheet recognition apparatus recognizes whether a paper sheet has a motion thread that is a thread part in which a pattern varies with a viewing angle. The paper sheet recognition apparatus includes multiple light sources that irradiate the paper sheet with lights from corresponding multiple directions, a line sensor that receives reflected light reflected from the paper sheet that is irradiated with the lights from the multiple directions by the light sources, an image processing unit that creates, based on an output signal that is outputted by the line sensor, multiple paper sheet images captured by using the light irradiated by the light source from each direction, and a recognition unit that judges whether the motion thread is present by comparing each image of the thread part included in each of the paper sheet images created by the image processing unit.
    Type: Grant
    Filed: July 11, 2012
    Date of Patent: February 24, 2015
    Assignee: Glory Ltd.
    Inventors: Hideyuki Koretsune, Masakane Nagaki
  • Patent number: 8959033
    Abstract: Verification of remotely deposited checks may be conducted in a system or for electronically receiving check images from customers and automatically initiating a deposit of funds associated with such check. Verification may comprise analyzing an image to detecting a presence of signatures, e.g. a payor signature and an endorsement, on a received check image so as to validate a check. Verification may further comprise conducting “face recognition” of a received check image to verify it's authenticity and/or detecting MICR line indications that a check is no longer valid.
    Type: Grant
    Filed: March 15, 2007
    Date of Patent: February 17, 2015
    Assignee: United Services Automobile Association (USAA)
    Inventors: Charles Lee Oakes, III, Randy Ray Morlen, R. Bharat Nuggehalli, Carol Ann Walls, Gabriel Glenn Gavia, Reynaldo Medina, III
  • Patent number: 8958626
    Abstract: Currency bills are transported past an image scanner to one or more output receptacles. Each of the bills is imaged to produce image data from which a visually readable image of each bill can be reproduced. The serial number, denomination, and/or secondary identifiers of a bill is attempted to be extracted and/or determined from the image data associated with the bill. The serial number of the bill has an integer number, X, of characters. One or more of the X characters of the serial number of the currency bill is not extracted with a predetermined confidence. In response to failing to extract all of the X characters of the serial number of the bill with the predetermined confidence, a serial number field in an electronic record associated with the bill is populated with a serial number snippet image. The electronic record is stored in a non-transitory memory.
    Type: Grant
    Filed: March 11, 2013
    Date of Patent: February 17, 2015
    Assignee: Cummins-Allison Corp.
    Inventors: Douglas U. Mennie, Antony D. Susai, William J. Jones, Frank M. Csulits, Matthew L. Anderson, Robert J. Klein, Ralf H. Jaeger, David R. Badalamenti, Dale E. Beutel
  • Patent number: 8955753
    Abstract: A media processing device enables reading second media that do not bend easily from the device front with the same ease of use as processing first media that bend easily. The media processing device has a media conveyance path that guides first media inserted from a media insertion opening toward the back and then again toward the front on the front-back axis to the media exit. A straight conveyance path that angles to the inside on the device width axis is formed at a part connected to the media exit, and a second media insertion path that extends straight to the front from the straight conveyance path is connected to the media exit.
    Type: Grant
    Filed: July 6, 2012
    Date of Patent: February 17, 2015
    Assignee: Seiko Epson Corporation
    Inventors: Toshiyuki Sasaki, Shogo Mizuyama
  • Patent number: 8955663
    Abstract: A compact media processing device enables recording on a process medium and then processing the process medium based on the result of recording. The media processing device conveys a process medium and processes the conveyed process medium by a first process unit disposed to the conveyance path, and an operation selection unit then determines the content of the next operation based on the result of the first process. After the next operation is determined, the conveyance control unit conveys the process medium upstream to or upstream of the process position of a second process unit. A process control unit then applies the selected operation to the process medium by the second process unit that is disposed downstream from the first process unit on the conveyance path of the process medium.
    Type: Grant
    Filed: July 19, 2012
    Date of Patent: February 17, 2015
    Assignee: Seiko Epson Corporation
    Inventor: Kazuya Toshima
  • Patent number: 8944234
    Abstract: An input receptacle receives currency bills and checks. A transport mechanism transports the bills and checks along a transport path to an output receptacle. An image scanner, adjacent the transport path, is configured to generate one or more electrical signals from which image data can be derived. The image data is reproducible as a visually readable image of at least a portion of each of the plurality of documents. A controller is configured to determine a denomination of each of the currency bills. In response to the controller not determining a denomination of one of the currency bills, the controller flags the currency bill as a no-call document by causing at least a portion of the image data to be displayed as a visually readable image of the flagged currency bill on the display.
    Type: Grant
    Filed: March 11, 2013
    Date of Patent: February 3, 2015
    Assignee: Cummins-Allison Corp.
    Inventors: Frank M. Csulits, William J. Jones, Douglas U. Mennie, Matthew L. Anderson, Robert J. Klein, Ralf H. Jaeger, David R. Badalamenti
  • Publication number: 20150030307
    Abstract: Systems and methods are provided for determining check information. According to one or more embodiments, a method may include accessing, by a computer including one or more processors, a video recording of a check. The method may also include determining, based at least in part on the video recording, a plurality of video frames associated with the check. Furthermore, the method may include generating respective optical character recognition (OCR) data associated with the plurality of video frames. Additionally, the method may include determining, based at least in part on the respective OCR data, respective scores associated with the plurality of video frames.
    Type: Application
    Filed: July 24, 2014
    Publication date: January 29, 2015
    Inventor: Charles R. Williams, JR.
  • Patent number: 8934701
    Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for capturing, processing, storing, and generating images of a check. In some embodiments, a system is configured to: receive, from a second apparatus, at least one request to retrieve an image of a first check and a second check; retrieve a first thumbnail version of the image of the first check; retrieve a second thumbnail version of the image of the second check; generate a document comprising the first thumbnail version and the second thumbnail version; transmit the document to the second apparatus.
    Type: Grant
    Filed: February 15, 2013
    Date of Patent: January 13, 2015
    Assignee: Bank of America Corporation
    Inventors: Deborah N. Bennett, Timmy L. Gauvin, Eric Scott Sandoz
  • Patent number: 8929640
    Abstract: Currency bills are transported past an image scanner to one or more output receptacles. Each of the bills is imaged to produce image data from which a visually readable image of each bill can be reproduced. The serial number, denomination, and/or secondary identifiers of a bill is attempted to be extracted and/or determined from the image data associated with the bill. The serial number of the bill has an integer number, X, of characters. One or more of the X characters of the serial number of the currency bill is not extracted with a predetermined confidence. In response to failing to extract all of the X characters of the serial number of the bill with the predetermined confidence, a serial number field in an electronic record associated with the bill is populated with a serial number snippet image. The electronic record is stored in a non-transitory memory.
    Type: Grant
    Filed: April 15, 2011
    Date of Patent: January 6, 2015
    Assignee: Cummins-Allison Corp.
    Inventors: Douglas U. Mennie, Antony D. Susai, William J. Jones, Frank M. Csulits, Matthew L. Anderson, Robert J. Klein, Ralf H. Jaeger, David R. Badalamenti, Dale E. Beutel
  • Patent number: 8917903
    Abstract: An image inspection apparatus for inspecting a recording medium having first and second sides is devised. The image inspection apparatus includes a penetrated-image information obtaining unit to obtain information of penetrated-image; an inspection information storage to store information of upper permissible limit of image penetration; a pre-print image penetration inspection unit to obtain an image penetration level from the first side to the second side, to compare the obtained image penetration level and the upper permissible limit, and to inspect an image penetration from the first side to the second side; a pre-print image penetration prediction unit to predict, before an image is formed on the second side, an image penetration level from the second side to the first side; and a post-print image inspection unit to inspect images on the first and second sides after forming the image on the second side.
    Type: Grant
    Filed: October 5, 2012
    Date of Patent: December 23, 2014
    Assignee: Ricoh Company, Ltd.
    Inventor: Shinji Yamakawa
  • Patent number: 8913820
    Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for capturing, processing, storing, and generating images of a check. In some embodiments, a system is configured to: receive an unprocessed image of a check; store the unprocessed image, wherein the unprocessed image is accessible to an agent associated with the apparatus and is not accessible to a user of an account associated with the check; process the unprocessed image to create a processed image; store the processed image, wherein the processed image is accessible to the agent and is accessible to the user.
    Type: Grant
    Filed: February 15, 2013
    Date of Patent: December 16, 2014
    Assignee: Bank of America Corporation
    Inventors: Deborah N. Bennett, Timmy L. Gauvin, Eric Scott Sandoz, James G. Ronca
  • Publication number: 20140355865
    Abstract: Embodiment for detecting duplicate images include systems for determining that two or more of the images have similar key attributes such as attributes related to certain data in the images or image quality. Further, the embodiments include superimposing at least a portion of a first image of the two or more images over at least a portion of the second image of the two or more images, comparing the first image and second image; and determining whether the first image and the second image are identical.
    Type: Application
    Filed: May 28, 2013
    Publication date: December 4, 2014
    Applicant: Bank of America Corporation
    Inventors: Kerry M. Cantley, John W. DeZervos, Erin Cassell, John J. Towey, Jr., Lori G. Noesges
  • Patent number: 8903155
    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.
    Type: Grant
    Filed: December 11, 2012
    Date of Patent: December 2, 2014
    Assignee: RDM Corporation
    Inventors: Bill Faulkner, Dmitri Eidenzon
  • Patent number: 8903136
    Abstract: The technology of the present disclosure includes computer-implemented methods, computer program products, and systems to filter images before transmitting to a system for optical character recognition (“OCR”). A user computing device obtains a first image of the card from the digital scan of a physical card and analyzes features of the first image, the analysis being sufficient to determine if the first image is likely to be usable by an OCR algorithm. If the user computing device determines that the first image is likely to be usable, then the first image is transmitted to an OCR system associated with the OCR algorithm. Upon a determination that the first image is unlikely to be usable, a second image of the card from the digital scan of the physical card is analyzed. The optical character recognition system performs an optical character recognition algorithm on the filtered card.
    Type: Grant
    Filed: December 18, 2013
    Date of Patent: December 2, 2014
    Assignee: Google Inc.
    Inventors: Xiaohang Wang, Alessandro Bissacco, Glen Berntson, Marria Nazif, Justin Scheiner, Sam Shih, Mark Leslie Snyder, Daniel Talavera
  • Patent number: 8885963
    Abstract: A method of automatically capturing images with precision uses an intelligent mobile device having a camera loaded with an appropriate image capture application. When a user initializes the application, the camera starts taking images of the object. Each image is qualified to determine whether it is in focus and entirely within the field of view of the camera. Two or more qualified images are captured and stored for subsequent processing. The qualified images are aligned with each other by an appropriate perspective transformation so they each fill a common frame. Averaging of the aligned images reduces noise and a sharpening filter enhances edges, which produces a sharper image. The processed image is then converted into a two-level, black and white image, which may be presented to the user for approval prior to submission via wireless or WiFi to a remote location.
    Type: Grant
    Filed: August 29, 2013
    Date of Patent: November 11, 2014
    Assignee: iParse, LLC
    Inventor: Mike Reddick Coleman
  • Patent number: 8885229
    Abstract: A method includes invoking an image capture interface via a mobile device; and analyzing video data captured via the capture interface. The analysis includes determining whether an object exhibiting one or more defining characteristics is depicted within the viewfinder; and if so, whether that object satisfies one or more predetermined quality control criteria. The method further includes displaying an indication of success or failure to satisfy the predetermined control criteria on the mobile device display. Where the object depicted within the viewfinder satisfies the one or more predetermined quality control criteria, the method also includes: displaying an indication that the object depicted in the viewfinder exhibits the one or more defining characteristics; automatically capturing an image of the object; and/or automatically storing to memory one or more of the frames in which the object is depicted in the viewfinder. Systems and computer program products are also disclosed.
    Type: Grant
    Filed: May 2, 2014
    Date of Patent: November 11, 2014
    Assignee: Kofax, Inc.
    Inventors: Jan W. Amtrup, Jiyong Ma, Anthony Macciola
  • Patent number: 8873828
    Abstract: A paper sheet processing apparatus capable of preventing conveyance failure of a paper sheet. The apparatus includes a bill insertion slot, a bill conveyance mechanism capable of conveying a bill inserted from the bill insertion slot, a bill reader reading the bill conveyed by the bill conveyance mechanism, an authenticity determination mechanism determining the authentication of the bill read by the bill reader, a bill determination processing part for determining, before the reading of the banknote by the banknote reader is completed, damage to the bill based on a shape of a portion of the bill which is read and on a shape of a reference bill, and a controller controlling conveyance of the bill by the bill conveyance mechanism based on a result of the determination by the bill determination processing part.
    Type: Grant
    Filed: February 27, 2009
    Date of Patent: October 28, 2014
    Assignee: Universal Entertainment Corporation
    Inventor: Takao Nireki
  • Publication number: 20140270461
    Abstract: A check image generator application generates a remote deposit capture RDC compatible check image. The RDC compatible check image is sent from a sender mobile device to a recipient mobile device. The RDC compatible check image may pass through a server and may be encrypted. The recipient mobile device receives the RDC compatible check image and forwards it to a financial institution for deposit.
    Type: Application
    Filed: March 13, 2013
    Publication date: September 18, 2014
    Inventors: Siva G. Narendra, Donald Allen Bloodworth, Dana B. LeMoine, Prabhakar Tadepalli
  • Publication number: 20140270465
    Abstract: The systems and methods of the present disclosure use a mobile device equipped with a camera to capture and preprocess images of objects including financial documents, financial cards, and identification cards, and to recognize information in the images of the objects. The methods include detecting quadrangles in images of an object in an image data stream generated by the camera, capturing a first image, transforming the first image, binarizing the transformed image, recognizing information in the binarized image, and determining the validity of the recognized information. The method also includes communicating with a server of a financial institution or other organization to determine the validity of the recognized information.
    Type: Application
    Filed: April 22, 2014
    Publication date: September 18, 2014
    Applicant: A2iA S.A.
    Inventors: Nikolai D. Gorski, Andrey V. Semenov, Sergey N. Sashov, Sergey K. Maksimov, Valery Anisimov
  • Publication number: 20140270462
    Abstract: A check image generator application generates a remote deposit capture RDC compatible check image. The RDC compatible check image is sent from a sender mobile device to a recipient mobile device. The RDC compatible check image may pass through a server and may be encrypted. The recipient mobile device receives the RDC compatible check image and forwards it to a financial institution for deposit.
    Type: Application
    Filed: March 13, 2013
    Publication date: September 18, 2014
    Inventors: Siva G. Narendra, Donald Allen Bloodworth, Dana B. LeMoine, Prabhakar Tadepalli
  • Publication number: 20140270463
    Abstract: A check image generator application generates a remote deposit capture RDC compatible check image. The RDC compatible check image is sent from a sender mobile device to a recipient mobile device. The RDC compatible check image may pass through a server and may be encrypted. The recipient mobile device receives the RDC compatible check image and forwards it to a financial institution for deposit.
    Type: Application
    Filed: March 13, 2013
    Publication date: September 18, 2014
    Inventors: Siva G. Narendra, Donald Allen Bloodworth, Dana B. LeMoine, Prabhakar Tadepalli
  • Publication number: 20140270464
    Abstract: Methods are provided for defining and determining a formal and verifiable mobile document image quality and usability (MDIQU) standard, or Standard for short. The Standard ensures that a mobile image can be used in an appropriate mobile document processing application, for example an application for mobile check deposit. In order to quantify the usability, the Standard establishes 5 quality and usability grades. A mobile image is first tested to determine if the quality is sufficient to obtain content from the image by performing multiple different image quality assessment tests. If the image quality is sufficient, one or more document usability computations are made to determine if the document or content in the image is usable by a particular application. A ranking is then assigned to the image based on the results of the tests which is indicative of the quality and usability of the image.
    Type: Application
    Filed: March 17, 2014
    Publication date: September 18, 2014
    Applicant: MITEK SYSTEMS, INC.
    Inventors: Grigori Nepomniachtchi, Mike Strange
  • Patent number: 8837804
    Abstract: The invention relates to a method and apparatus for recognizing forged value documents, for example composed forgeries which are assembled from parts of different value documents. In the inventive method, the signal intensity of a measuring signal is determined at a plurality of measuring points on a value document. For one or more selected groups of measuring points which are disposed in particular along certain directions on the value document there are determined gradient values of the signal intensities. The gradient values of a group are subsequently linked to form a connection strength of the group which provides a quantitative statement about the extent to which a large gradient value exists consistently within the particular group. From a relatively great connection strength there can be inferred the presence of a separating line in the area of the selected group of measuring points.
    Type: Grant
    Filed: April 22, 2008
    Date of Patent: September 16, 2014
    Assignee: Giesecke & Devrient GmbH
    Inventors: Shanchuan Su, Jürgen Schützmann, Helmut Steidl, Dieter Stein
  • Patent number: 8837784
    Abstract: A money transfer authorization method that includes the step of providing transferor biometric information to a party verification processor that verifies an identity of the transferor by comparing the transferor biometric information with previously registered biometric information from the transferor, where the transferor provides transfer identity information to receive the money. The method also includes confirming that the verified transferor has sufficient funds or credit for the money transfer, and providing transferee biometric identification to the party verification processor that verifies the transferee by comparing the transferee biometric information with previously registered biometric information from the transferee. The transferee has to provide transfer identity information before the money is given to the transferee.
    Type: Grant
    Filed: December 20, 2012
    Date of Patent: September 16, 2014
    Assignee: The Western Union Company
    Inventors: Michael Jeronimus, Ken Algiene, Scott R. Paintin
  • Publication number: 20140254911
    Abstract: An automated banking machine operates to cause financial transfers responsive to data read from data bearing records. A card actuated automated banking machine may accept checks and dispense cash to users. The banking machine is operated to acquire image and magnetic data from deposited checks to determine the genuineness of checks and the authority of a user to receive cash for such checks. Cash may be credited to a user account corresponding to card data or may be dispensed to the user from the banking machine responsive to one or more deposited checks.
    Type: Application
    Filed: March 6, 2014
    Publication date: September 11, 2014
    Inventors: Keith CARPENTER, Martin J. BROWN, Jonathan SOUDRY, James MEEK, Todd GALLOWAY, Robert W. BARNETT, Mike R. RYAN, David A. PETERS, Rafael FEIJO
  • Patent number: 8824772
    Abstract: Improved systems and methods for detecting and correcting image errors and risks in remote deposit systems during an in-line or in-process troubleshooting session are disclosed. Various embodiments include systems for displaying remote deposit session data to a support technician with links for invoking an image display or image editor user interface during a troubleshooting session. The links can be included in one or more individual remote deposit session events, records, or tasks, such as check image uploads and bi-tonalization events. The image editor can be used to manually or automatically correct any detected errors or flaws in uploaded or processed deposit document images. The corrected check images can be then be stored and used to complete or reprocess a remote deposit.
    Type: Grant
    Filed: October 23, 2012
    Date of Patent: September 2, 2014
    Assignee: Ensenta Inc.
    Inventors: Edward Viera, Richard Klein, Jim Ballagh, Teddy Usman, Dmitri Boudtchenko, Crystal Carroll, Paulo dos Santos, Rajini Jagathesan, Chaitanya Mittipelli, Nhan Phan, Sharmila Pusarla
  • Publication number: 20140233835
    Abstract: Embodiments of the present invention relates to systems, computer-implemented methods, and computer program products for capturing and storing elements of a negotiable instrument for use in image recreation. In some embodiments, a method is provided that includes: (a) receive an image of the negotiable instrument, wherein the image of the negotiable instrument comprises one or more elements that are used for processing the negotiable instrument and non-element portions that are not used in processing the negotiable instrument; (b) capture, using the image capture device, images of one or more elements of the negotiable instrument; (c) store the images of the one or more elements of the negotiable instrument in the database; and (d) store, as white space, the non-element portions of the image of the negotiable instrument in the database.
    Type: Application
    Filed: February 15, 2013
    Publication date: August 21, 2014
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Eric Scott Sandoz, Deborah N. Bennett, Timmy L. Gauvin, Craig David Palmer, Michael Gerald Smith, Geoffrey Reed Williams, Lisa Gibson, Melvin Gregory Nixon
  • Publication number: 20140233831
    Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for determining a storage location for an image of a check. In some embodiments, a system is configured to: receive an image of a check, the image being associated with an account associated with a user; analyze check retrieval activity associated with the account; determine, based on the check retrieval activity, a storage location for the image; and store the image at the storage location.
    Type: Application
    Filed: February 15, 2013
    Publication date: August 21, 2014
    Applicant: Bank of America Corporation
    Inventors: Craig David Palmer, Eric Scott Sandoz, Michael Gerald Smith, Geoffrey Reed Williams, Lisa Gibson, Melvin Gregory Nixon
  • Publication number: 20140233833
    Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for capturing, processing, storing, and generating images of a check. In some embodiments, a system is configured to: receive, from a second apparatus, at least one request to retrieve an image of a first check and a second check; retrieve a first thumbnail version of the image of the first check; retrieve a second thumbnail version of the image of the second check; generate a document comprising the first thumbnail version and the second thumbnail version; transmit the document to the second apparatus.
    Type: Application
    Filed: February 15, 2013
    Publication date: August 21, 2014
    Applicant: Bank of America Corporation
    Inventors: Deborah N. Bennett, Timmy L. Gauvin, Eric Scott Sandoz
  • Publication number: 20140233834
    Abstract: Embodiments of the invention include systems, methods, and computer-program products for providing recreated image documents using image lift data. In this way, an entity may store limited amounts of image data from an original document and subsequently recreate the document image using image lift data. As such, the invention may receive an image document for storage. Upon receiving a document from a transaction for storage, the system may store metadata associated with that document, instead of storing the entire document as a high resolution image file. Furthermore, the system may determine specific unique elements of the document (such as signatures or the like) to capture as an image file. This allows the unique element to be lifted as image data. Using the lifted image data, in combination with the metadata, the system may recreate the image as a system generated image for user recall and reconciliation.
    Type: Application
    Filed: February 15, 2013
    Publication date: August 21, 2014
    Applicant: Bank of America Corporation
    Inventors: Michael Gerald Smith, Geoffrey Reed Williams, Lisa Gibson, Craig David Palmer, Eric Scott Sandoz, Melvin Gregory Nixon
  • Publication number: 20140233830
    Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for capturing, processing, storing, and generating images of a check. In some embodiments, a system is configured to: receive an image of a check; generate a thumbnail version of the image, wherein the thumbnail version of the image is generated immediately after receiving the image; link the image with the thumbnail version of the image; store the image and the thumbnail version of the image, wherein the thumbnail version of the image is stored for a longer period of time than the image.
    Type: Application
    Filed: February 15, 2013
    Publication date: August 21, 2014
    Applicant: Bank of America Corporation
    Inventors: Deborah N. Bennett, Timmy L. Gauvin, Eric Scott Sandoz
  • Publication number: 20140233832
    Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for capturing, processing, storing, and generating images of a check. In some embodiments, a system is configured to: receive an unprocessed image of a check; store the unprocessed image, wherein the unprocessed image is accessible to an agent associated with the apparatus and is not accessible to a user of an account associated with the check; process the unprocessed image to create a processed image; store the processed image, wherein the processed image is accessible to the agent and is accessible to the user.
    Type: Application
    Filed: February 15, 2013
    Publication date: August 21, 2014
    Applicant: Bank of America Corporation
    Inventors: Deborah N. Bennett, Timmy L. Gauvin, Eric Scott Sandoz, James G. Ronca
  • Publication number: 20140233836
    Abstract: Embodiments of the invention include systems, methods, and computer-program products for providing recreated image documents using templates or generic control documents. In this way, an entity may store limited amounts of image data from an original document and subsequently recreate the document image using document templates. As such, the invention may compile templates for image documents. Upon receiving a document from a transaction for storage, the system may store the metadata associated with that document, instead of storing the entire document as a high resolution image file. Using the template, in combination with the metadata, the system may recreate the image as a system generated image for user recall and reconciliation.
    Type: Application
    Filed: February 15, 2013
    Publication date: August 21, 2014
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Michael Gerald Smith, Geoffrey Reed Williams, Lisa Gibson, Craig David Palmer, Eric Scott Sandoz, Melvin Gregory Nixon
  • Publication number: 20140233837
    Abstract: Embodiments of the present invention relate to systems, computer-implemented methods, and computer program products for capturing elements of a negotiable instrument and generating a thumbnail image of the negotiable instrument for use in image recreation. In some embodiments, a method is provided that includes: (a) receiving an image of the negotiable instrument, wherein the image of the negotiable instrument comprises one or more elements that are used for processing the negotiable instrument; (b) capturing, using the image capture device, images of one or more elements of the negotiable instrument; (c) generating a thumbnail image of the negotiable instrument based at least partially on an image of the negotiable instrument; and (d) storing the images of the one or more elements of the negotiable instrument and the thumbnail image of the negotiable instrument in the database.
    Type: Application
    Filed: February 15, 2013
    Publication date: August 21, 2014
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Eric Scott Sandoz, Deborah N. Bennett, Timmy L. Gauvin, Craig David Palmer, Michael Gerald Smith, Geoffrey Reed Williams, Lisa Gibson, Melvin Gregory Nixon
  • Patent number: 8811711
    Abstract: Embodiments of the invention are directed to methods, apparatus systems and computer program products that provide for using real-time video analysis for recognizing financial document images by capturing a real-time video stream using a mobile device, wherein the video stream features one or more financial documents, analyzing and correlating the images in the real-time video stream to the images necessary to process the financial document, providing notice to a user of additional images needed to process the financial document and communicating the information associated with the financial document to a financial institution to complete a transaction once sufficient images of the financial document have been captured to process the financial document.
    Type: Grant
    Filed: January 1, 2012
    Date of Patent: August 19, 2014
    Assignee: Bank of America Corporation
    Inventors: Matthew A. Calman, Erik Stephen Ross
  • Patent number: 8811710
    Abstract: A bank-note processing apparatus includes a debanding station and an image capturing device by which first and second information items applied to the band can be optically captured and digitally stored. The image capturing device includes at least one mirror, preferably two symmetrically arranged mirrors, in order for information items on the band that lie on different sides of the bank-note stack on the banded bank-note stack to be able to be optically captured simultaneously. The image capture can be effected before or after the removal of the band from the bank-note stack.
    Type: Grant
    Filed: July 20, 2010
    Date of Patent: August 19, 2014
    Assignee: Giesecke & Devrient GmbH
    Inventors: Erwin Demmeler, Peter Dopfer
  • Publication number: 20140219540
    Abstract: The invention relates to a method for OCR detection of valuable documents in a cash dispenser in the case of which an image of the valuable document is detected by means of a digital video or matrix camera. A Hough transformation is used to calculate edge lines of the valuable document and a rotation angle is calculated therefrom such that the edges of the valuable document are aligned with the image edges. The detected image is homogenized to compensate an inhomogeneous image background. This is followed by OCR detection of alphanumeric information on the valuable document.
    Type: Application
    Filed: July 17, 2012
    Publication date: August 7, 2014
    Applicant: WINCOR NIXDORF INTERNATIONAL GMBH
    Inventors: Alexander Drichel, Steffen Priesterjahn
  • Patent number: 8798354
    Abstract: An optical image of a check submitted to a business as part a check-based financial transaction is obtained and the optical image of the check is scanned using Optical Character Recognition (OCR) technology to obtain optical image-based financial transaction data. The optical image-based financial transaction data is then used to automatically match, or correlate, the check to a customer account and/or invoice and, pending user review and/or approval, a payment entry is automatically generated and the check-based payment represented by the check is automatically credited to the customer account and the customer account balance is transformed to reflect the check-based payment, and/or the status of an associated invoice is transformed to reflect the check-based payment, e.g., the invoice is marked as paid, or partially paid.
    Type: Grant
    Filed: April 25, 2012
    Date of Patent: August 5, 2014
    Assignee: Intuit Inc.
    Inventors: Breeana D. Bunzel, Akbar A. Rangara, Kai Chun Chan
  • Patent number: 8792751
    Abstract: Embodiments of a computer system, a method and a computer-program product (e.g., software) for use with the computer system are described. These embodiments allow a user to provide an image of a document for use with software, such as an image of a financial document for use with financial software. In particular, the user can provide the image of the document, for example, by taking a picture of the document using a cellular telephone. This image may be converted into an electronic format that is suitable for text and numerical processing using a character-recognition technique, such as optical character recognition or intelligent character recognition. Errors in the electronic version of the document, if present, may be identified and corrected by comparing the electronic version to information maintained by a third party. This information may be accessed based at least on one or more items in the electronic version of the document.
    Type: Grant
    Filed: July 27, 2009
    Date of Patent: July 29, 2014
    Assignee: Intuit Inc.
    Inventors: Amir Eftekhari, Erikheath A. Thomas, Carol Ann Howe, George Thomas Ericksen, Gerald B. Huff, Gang Wang
  • Publication number: 20140198968
    Abstract: A system and method for comparing digital images, such as checks images used by banks, includes receiving and processing the images to be compared, including scaling the images to a common resolution, as well as filtering them to remove spot noise, background pels, and other non-information carrying elements. One or more regions of each image are selected for comparison. The selected regions are compared to one another by subtracting the pels of one image from the other's pels. A determination is made of whether the two or more images are duplicates of one another, or depict a substantially identical subject, based on the results of the subtractions. Furthermore, the amount of filtering and scaling may be adjusted to enhance the effects of the system to take advantage of common characteristics that may be known or detected in a particular set of images to be compared.
    Type: Application
    Filed: March 18, 2014
    Publication date: July 17, 2014
    Applicant: International Business Machines Corporation
    Inventors: Rodney G. Moon, Gerald C. Rector, Philip Ridgway
  • Publication number: 20140193063
    Abstract: A system and method for comparing digital images, such as checks images used by banks, includes receiving and processing the images to be compared, including scaling the images to a common resolution, as well as filtering them to remove spot noise, background pels, and other non-information carrying elements. One or more regions of each image are selected for comparison. The selected regions are compared to one another by subtracting the pels of one image from the other's pels. A determination is made of whether the two or more images are duplicates of one another, or depict a substantially identical subject, based on the results of the subtractions. Furthermore, the amount of filtering and scaling may be adjusted to enhance the effects of the system to take advantage of common characteristics that may be known or detected in a particular set of images to be compared.
    Type: Application
    Filed: January 4, 2013
    Publication date: July 10, 2014
    Applicant: International Business Machines Corporation
    Inventors: Rodney G. Moon, Gerald C. Rector, Philip Ridgway
  • Patent number: 8768840
    Abstract: A Universal Positive Pay Database (UPPD) method, system and/or computer useable medium to reduce financial transaction fraud. A UPPD database is configured to store thereon transaction records associated with financial transactions corresponding to customers of the UPPD database. A particular financial transaction is initiated between a payer and a payee by providing parameters associated with the financial transaction to the UPPD database. An issue File is provided to the UPPD database that includes parameters associated with the particular financial transaction. A correspondence determination is made between the financial transaction parameters from the Issue File and the financial transaction parameters provided to the UPPD database at every point along the financial transaction clearing process.
    Type: Grant
    Filed: June 25, 2012
    Date of Patent: July 1, 2014
    Inventor: William O. Bozeman
  • Patent number: 8750593
    Abstract: A method includes scanning a check to generate image data representative of an image of the check. The method further includes detecting at least one security feature of the check. The method also includes transforming the image data to include at least one encoded indication of the detected at least one security feature of the check.
    Type: Grant
    Filed: November 7, 2006
    Date of Patent: June 10, 2014
    Assignee: Pitney Bowes Inc.
    Inventors: Judith D. Auslander, Matthew J. Campagna, Robert A. Cordery, Cindy Mangiameli
  • Patent number: 8744932
    Abstract: Herein described is a computer based system, a computer-readable storage media, and a method for optimizing the amount of currency transferred to a custodial inventory vault of a depository institution. The currency comprises ten and twenty dollar bills. For example, the method comprises determining a first amount of ten and twenty dollar bills, subtracting a second amount corresponding to a minimum vault holding requirement from the first amount to yield a third amount. The third amount is transferred along with a predetermined fourth amount to the custodial inventory vault of the depository institution. The predetermined fourth amount may be chosen to minimize or obviate an occurrence of an ending cash balance of ten and twenty dollar bills being less than the second amount. The third and fourth amounts of ten and twenty dollars bills are held in the custodial inventory vault and provide a monetary benefit for the depository institution.
    Type: Grant
    Filed: August 9, 2012
    Date of Patent: June 3, 2014
    Assignee: Bank of America Corporation
    Inventors: Fernanda Andrade Ramos Propeck, Justin Reed John Morgan Lehmann
  • Patent number: 8743425
    Abstract: A method for using void pantographs involves generating a test sheet including multiple void pantographs, where each of the multiple void pantographs includes a pantograph foreground and a pantograph background. The test sheet is printed, and from the printed test sheet, at least one of the multiple void pantographs having a covert or semi-covert pantograph foreground and background is identified. The printed test sheet is scanned, and from the scanned test sheet, at least one of the multiple void pantographs having an overt pantograph foreground is identified. A workflow is developed for the at least one of the multiple void pantographs having both i) the covert or semi-covert pantograph foreground and background after printing, and ii) the overt pantograph foreground after scanning.
    Type: Grant
    Filed: February 26, 2009
    Date of Patent: June 3, 2014
    Assignee: Hewlett-Packard Development Company, L.P.
    Inventors: Steven J. Simske, Malgorzata M. Sturgill, Jason S. Aronoff
  • Patent number: 8714336
    Abstract: An input receptacle receives currency bills and checks. A transport mechanism transports the bills and checks along a transport path to an output receptacle. An image scanner, adjacent the transport path, is configured to generate one or more electrical signals from which image data can be derived. The image data is reproducible as a visually readable image of at least a portion of each of the plurality of documents. A controller is configured to determine a denomination of each of the currency bills. In response to the controller not determining a denomination of one of the currency bills, the controller flags the currency bill as a no-call document by causing at least a portion of the image data to be displayed as a visually readable image of the flagged currency bill on the display.
    Type: Grant
    Filed: April 2, 2012
    Date of Patent: May 6, 2014
    Assignee: Cummins-Allison Corp.
    Inventors: Frank M. Csulits, William J. Jones, Douglas U. Mennie, Matthew L. Anderson, Robert J. Klein, Ralf H. Jaeger, David R. Badalamenti
  • Patent number: 8712143
    Abstract: Methods, computer readable media, and apparatuses for processing financial documents are presented. Image data associated with a first financial document, such as a check to be deposited, may be received. A first multivariate vector may be determined based on the received image data, and the first multivariate vector may include a plurality of vector components. Each vector component may represent a distance from an edge of the first financial document to a feature of the first financial document, and each vector component may be a ratio of distances. The determined first multivariate vector may be compared with a second multivariate vector associated with a second financial document. Based on the comparing, a confidence score for the first financial document may be determined. A transaction involving the first financial document may be authorized in response to the confidence score exceeding a threshold.
    Type: Grant
    Filed: February 26, 2010
    Date of Patent: April 29, 2014
    Assignee: Bank of America Corporation
    Inventor: Sylvan Tran