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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

Abstract: Comparing extracted card data from a continuous scan comprises receiving, by one or more computing devices, a digital scan of a card; obtaining a plurality of images of the card from the digital scan of the physical card; performing an optical character recognition algorithm on each of the plurality of images; comparing results of the application of the optical character recognition algorithm for each of the plurality of images; determining if a configured threshold of the results for each of the plurality of images match each other; and verifying the results when the results for each of the plurality of images match each other. Threshold confidence level for the extracted card data can be employed to determine the accuracy of the extraction. Data is further extracted from blended images and three-dimensional models of the card. Embossed text and holograms in the images may be used to prevent fraud.

Abstract: A device (12, 312, 494) operates to cause financial transfers responsive to data read from data bearing records. The device includes a reader (20, 314) that is usable to read check data from financial checks. The reader is also usable to read record document data associated with goods provided to a purchaser. At least one circuit (54, 332) of the device is operative to cause a determination to be made that check data and/or record document data corresponds to stored data. Responsive to the determination, check data and record data are made available to a payee terminal (346).

Abstract: A method of operating an electronic device is provided. The method includes creating a security key based on data shared with a specific electronic device, creating security configuration information and a watermarking content based on the security key, and transmitting the security configuration information and the watermarking content to the specific electronic device.

Abstract: A method of managing an electric lockbox, such as to reduce processing times associated with remittance processing, may include receiving, by one or more computing devices at a financial institution, a batch file and/or one or more physical remittances at lockbox associated with a payee, the batch file and any physical remittances comprising information associated with a plurality of financial transactions between one or more payors and the payee. The one or more computing devices may then determine whether at least a portion of the information corresponds to a payee preference. A report may be communicated to the payee, the report including a record of the plurality of financial transactions as a set of documents corresponding to the payee preference. In some cases, the report may include at least a portion of the remittance information associated with the plurality of financial transactions deposited into an account associated with the payee.

Abstract: A facial image screening method is provided in the present disclosure. The facial image screening method includes the following steps: tracking a plurality of feature points of at least one facial image; analyzing each feature point to acquire a region information corresponding to each feature point, wherein the region information comprises an image quality information, a face pose information, and a blocking degree information; scoring the image quality information to obtain a first arbitration score; scoring the face pose information to obtain a second arbitration score; scoring the blocking degree information to obtain a third arbitration score; generating a comprehensive quality score according to the first arbitration score, the second arbitration score, and the third arbitration; and taking the plurality of feature points of the facial image as targets to be compared with captured features of a plurality of specific persons when the comprehensive quality score exceeds a threshold value.

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.

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.

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.

Abstract: In accordance with an example embodiment of the present invention, an apparatus comprises a processor configured to monitor a user's quality parameter preference to determine a quality parameter for a reference media, update the quality parameter of the reference media, and adapt the quality parameter of the reference media.

Abstract: A computing device can utilize a recognition mode wherein an interface utilizes graphical elements, such as virtual fireflies or other such elements, to indicate objects that are recognized or identified. As objects are recognized, fireflies perform one or more specified actions to indicate recognition. A ribbon or other user-selectable icon is displayed indicates a specific action that the device can perform with respect to the respective object. As additional objects are recognized, additional ribbons are created and older ribbons can be moved off screen and stored for subsequent retrieval or search. The fireflies disperse when the objects are no longer represented in captured sensor data, and can be animated to move towards representations of new objects as features of those objects are identified as potential object features, in order to communicate a level of recognition for a current scene or environment.

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.

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.

Abstract: Systems and methods for indexing onscreen content on a mobile device are provided. For example, a method can include determining, using an index for a user that associates key items with images of screens captured from a mobile device of the user, that a first key item is responsive to a query initiated at the mobile device, and identifying responsive images, the responsive images being associated with the first key item. The method may also include highlighting, in the responsive images, areas corresponding to the first key item, and providing a search result to the mobile device that includes portions of the responsive images. The portions of the responsive images may be areas corresponding to the first key item in the images.

Abstract: A system for processing data captured from rendered documents is described. The system provides a way for authors and publishers to add value to printed documents using associated supplemental material. The system can use text scanned from a document and context to identify an electronic document that corresponds to the scanned document. A user can then access supplemental material associated with the digital document.

Abstract: A banknote processing apparatus is disclosed. The banknote processing apparatus includes a sensor unit configured to acquire image information of a banknote and project light alternately from red, green, and blue (RGB) light sources onto the banknote, and a control unit configured to (i) acquire per-color image information of the banknote for each RGB color from the image information and (ii) determine at least one of a denomination, an identification mark, an authenticity, and a fitness of the banknote based on the per-color image information.

Abstract: Aspects of the invention relate to a central authentication and interaction tracking system for authenticating an entity making a request related to a financial account. The system facilitates authentication of an entity engaging in an interaction with a financial institution, the authentication based on a record of interactions initiated by the entity. The system includes an application interface receiving interaction requests over a network, the interaction requests originating from multiple entities and including a plurality of authentication factors. The system further includes a computer processor and computer memory capable of building, from each interaction request, an entity print record for each of the multiple entities, wherein each entity print record includes indicators of the authentication factors from each initiated transaction request.

Abstract: An alignment guide may be provided in the field of view of a camera associated with a mobile device used to capture an image of a check. When the image of the check is within the alignment guide in the field of view, an image may be taken by the camera and provided from the mobile device to a financial institution. The alignment guide may be adjustable at the mobile device. The image capture may be performed automatically by the camera or the mobile device as soon as the image of the check is determined to be within the alignment guide. The check may be deposited in a user's bank account based on the image. Any technique for sending the image to the financial institution may be used.

Abstract: A method for authenticating a tag, includes: a step (205) of capturing an image, with a communicating mobile terminal, of at least a portion of a tag having at least a portion of an identifier; a step (210) of transmitting the identifier to a server; a step (215) of reading, from a memory of tag images, the image of a tag having the identifier; a step (220) of transmitting, to the communicating mobile terminal, at least a portion of the image read from the memory; and a step (230) of displaying at least a portion of the transmitted image superimposed on an image captured by the terminal.

Abstract: An image of a check that is in the field of view of a camera is monitored prior to the image of the check being captured. When the image of the check in the field of view passes monitoring criteria, an image may be taken by the camera and provided from the mobile device to a financial institution. The image capture may be performed automatically as soon as the image of the check is determined to pass the monitoring criteria. The check may be deposited in a user's bank account based on the image. Any technique for sending the image to the financial institution may be used. Feedback may be provided to the user of the camera regarding the image of the check in the field of view.

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.

Abstract: Validation of the identity of the user is performed with the use of a card associated with intelligence that identifies the user. Validation of the document involves one or more of: validating the presence of a signature; validating the amount of the monetary transaction document including a manual entry of the amount by the user; validating CAR against the LAR; and validating the banking system parameters and rules for the customer and/or the transaction. To assist in the automatic analysis of data on monetary transactional documents or on remittance documents, the user is prompted to provide a bounding box about the data. An image touch screen may be touched by the user to locate the bounding box and the user may magnify the data to fill the boundary box to exclude other data from analysis. After document and person validation, the system will dispense money or transfer monies to a savings account, a checking account, a smart card, or the like. The system will also write money orders or wire transfer money.

Abstract: Methods, systems, and apparatuses, including computer programs encoded on a computer storage medium, for displaying interfaces associated with various financial system platforms accessed through a central location. The system may retrieve financial information directly and replicate a financial system interface and platform for a user. The system may display preferred access platforms and interfaces and may frame existing platforms and interfaces with additional data and functionality.

Abstract: An interrogating and processing system and method is described. A wireless communication device interrogates an information source, having a barcode or tag, and wirelessly transmits data indicative of the information source. The interrogator can be built into or adjunct to the wireless communication device. An automated processing subsystem receives the transmitted data and identifies an item corresponding to the data. A fulfillment subsystem effects delivery of the item to a destination. There can be a coupon code scanning and processing system and method. A wireless computing device having an interrogator reads a coupon code. An automated processing subsystem receives the corresponding data and provides a benefit associated with the coupon. The benefit can be a discount on a product or service. Alternatively, at least a portion of the coupon including a code is displayed on a screen of the computing device for processing at a point of sale terminal.

Abstract: Comparing extracted card data from a continuous scan comprises receiving, by one or more computing devices, a digital scan of a card; obtaining a plurality of images of the card from the digital scan of the physical card; performing an optical character recognition algorithm on each of the plurality of images; comparing results of the application of the optical character recognition algorithm for each of the plurality of images; determining if a configured threshold of the results for each of the plurality of images match each other; and verifying the results when the results for each of the plurality of images match each other. Threshold confidence level for the extracted card data can be employed to determine the accuracy of the extraction. Data is further extracted from blended images and three-dimensional models of the card. Embossed text and holograms in the images may be used to prevent fraud.

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.