Reading Bank Checks (e.g., Documents Bearing E-13b Type Characters) Patents (Class 382/137)
  • Publication number: 20140112570
    Abstract: A method and apparatus for identifying a media item. The apparatus includes a module for receiving media items and capturing an image of a received media item. The method involves ascertaining external dimensions of the media item from the captured image; creating a monochromatic image based on high contrast boundaries within the captured image; matching the monochromatic image to one of a plurality of templates of media items of approximately the same external dimensions as the media item; and providing details of the matched template, including type and orientation of the media item corresponding to the matched template.
    Type: Application
    Filed: December 30, 2013
    Publication date: April 24, 2014
    Applicant: NCR CORPORATION
    Inventors: Gary A. Ross, Chao He
  • Patent number: 8705835
    Abstract: A paper sheet processing apparatus that performs a recognizing process of a paper sheet includes: a paper sheet recognition sensor (11) that reads an image of a paper sheet; a number-attribute information memory (131) that stores number attribute information including number recognition conditions for recognizing a number given to a paper sheet; and an image processing unit (134) and a character recognizing unit (135) that recognize a number of a paper sheet from an image read by the paper sheet recognition sensor (11), based on number recognition conditions stored in the number-attribute information memory (131).
    Type: Grant
    Filed: September 27, 2007
    Date of Patent: April 22, 2014
    Assignee: Glory Ltd
    Inventors: Hiroki Hamasaki, Tomohiko Kasuya, Kazuhiro Ohmatsu
  • Patent number: 8705836
    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: Grant
    Filed: April 9, 2013
    Date of Patent: April 22, 2014
    Assignee: A2iA S.A.
    Inventors: Nikolai D. Gorski, Andrey V. Semenov, Valery Anisimov, Sergey K. Maksimov, Sergey N. Sashov
  • Patent number: 8699780
    Abstract: The Arabic bank check analysis and zone extraction method for courtesy amount, legal amount, and the date fields uses available information and performs adaptive local processing using projections and connected component analysis. The method performs skew correction and connected component analysis on the check image and removes components smaller than average size before identifying the regions using projection profiles. This leads to a highly effective and robust technique. The method is based on prior knowledge of the check zone structure.
    Type: Grant
    Filed: May 9, 2013
    Date of Patent: April 15, 2014
    Assignee: King Fahd University of Petroleum and Minerals
    Inventors: Irfan Ahmad, Sabri Abdullah Mahmoud Mohammed
  • Patent number: 8699779
    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.
    Type: Grant
    Filed: August 28, 2009
    Date of Patent: April 15, 2014
    Assignee: United Services Automobile Association (USAA)
    Inventors: Bharat Prasad, Minya Liang, Reynaldo Medina
  • Publication number: 20140093156
    Abstract: A method comprises receiving from a first data source first recognition results which are associated with the first data source, and receiving from a second data source second recognition results which are associated with the second data source. The method further comprises electronically by a processor, processing a first set of confidence levels associated with the first recognition results to provide a first set of normalized confidence levels associated with the first data source, and electronically by a processor, processing a second set of confidence levels associated with the second recognition results to provide a second set of normalized confidence levels associated with the second data source. The method also comprises storing the first set of normalized confidence levels associated with the first data source in a first table of normalized confidence levels and the second set of normalized confidence levels associated with the second data source in a second table of normalized confidence levels.
    Type: Application
    Filed: September 28, 2012
    Publication date: April 3, 2014
    Applicant: NCR Corporation
    Inventor: Stephen C. Gawne
  • Publication number: 20140086473
    Abstract: An image processing device may include an image scanning unit; an image memory; a sample area designating unit; a binarization unit for implementing a filtering process on a scanned multi-valued image, to produce the compensated image data and for binarizing the compensated image data; a correlation operation unit for acquiring each of the correlations between the binary image data and the scanned multi-valued image data; and an optimal binarization information selecting unit for selecting the optimal parameter value or binary image data based on the correlations. The binarization unit may include a parameter value setting section, a filtering process section, and a binarization process section for binarizing each of the compensated image data based on a predetermined binary threshold.
    Type: Application
    Filed: August 30, 2013
    Publication date: March 27, 2014
    Applicant: NIDEC SANKYO CORPORATION
    Inventor: Hiroshi NAKAMURA
  • Patent number: 8682057
    Abstract: Method, computer program product, and apparatus are provided for identifying a graphic symbol within an image obtained by optical scanning. An image intensity is measured for each of a plurality of columns of the image, wherein each column has a length that extends across the graphic symbol in a first direction, and wherein the plurality of columns collectively extend across the graphic symbol in a second direction. The graphic symbol is then identified by matching a profile of the image intensity to a predetermined image intensity profile associated with a given graphic symbol. Optionally, the image is a digital image and the image intensity for each column is the sum of the image intensity for each pixel in that individual column. An image intensity differential between adjacent columns may be calculated for matching with a predetermined differential profile or comparison with an electronic profile generated by a magnetic scan.
    Type: Grant
    Filed: April 26, 2012
    Date of Patent: March 25, 2014
    Assignee: International Business Machines Corporation
    Inventor: Timothy W. Crockett
  • Patent number: 8675923
    Abstract: A technique for providing feedback about an image of a financial document to a user is described. During this feedback technique, the user provides the image of a financial document, such as W-2 form. For example, the user may take a picture of or may scan the financial document. This image may be analyzed using predefined information in a set of financial documents (such as different types of income-tax documents), and a quality metric for the image may be determined using the analysis. Moreover, the feedback, which is based on the determined quality metric, may be provided to the user. For example, the user may be instructed to retake the image, and the instructions may include an image of the desired orientation and content. In this way, the user may be advised as to how to improve the quality metric in the revised image.
    Type: Grant
    Filed: July 21, 2010
    Date of Patent: March 18, 2014
    Assignee: Intuit Inc.
    Inventors: David J. Snow, Brian W. Farwell, Amir Eftekhari, Carol A. Howe
  • Patent number: 8660984
    Abstract: An optical image of a check is obtained at the approximate time of a check-based financial transaction and the approximate time of the check-based financial transaction is recorded. Geographical position/location data and/or voice memo data is then obtained at, or about, the time the optical image of the check is obtained. Optical Character Recognition (OCR) technology is then used to extract image-based financial transaction data from the optical image of the check and the geographical position/location data, and/or voice memo data, is also transformed into financial transaction data associated with the check and the check-based financial transaction. The extracted and/or transformed financial transaction data is then used, at least in part, to automatically assign a financial category to the check-based financial transaction and/or transform the category status of the check-based financial transaction.
    Type: Grant
    Filed: January 13, 2012
    Date of Patent: February 25, 2014
    Assignee: Intuit Inc.
    Inventors: Indraneel Bhattacharyya, David Lish, Christopher H. J. Whittam, Ryan Pfeffer
  • Publication number: 20140044337
    Abstract: A method for checking the genuineness of a security feature (3), particularly on a security document (1) is disclosed. The appearance of the security feature exhibits an alteration in the visible range when excited by a flash of light. The method is distinguished by the following steps: I. at least one first image of the unexcited security feature (3a) is taken using a mobile telephone (4) which simultaneously has a camera (8) with an integrated flash function (9); II. at least one second image of the security feature (3b) excited using the flash function (9) is taken using the same mobile telephone; and optionally III. a wireless link is set up using the telephone function or an Internet function on the mobile telephone (4), and at least one or both of the images or an authentication function derived from the difference between the two images is/are transmitted to a receiver having a database (12), the authentication is evaluated and/or the authentication is logged with the receiver.
    Type: Application
    Filed: November 22, 2011
    Publication date: February 13, 2014
    Applicant: U-NICA TECHNOLOGY AG
    Inventors: Alfred Rutz, Alexander Ruegg
  • Publication number: 20140044338
    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: Application
    Filed: August 29, 2013
    Publication date: February 13, 2014
    Applicant: iParse, LLC
    Inventor: Mike Reddick Coleman
  • Patent number: 8649026
    Abstract: A first identification number obtained by performing character recognition of each of a plurality of digits of an identification number and allocating predetermined characters to digits where characters cannot be determined and a second identification number representing an identification number that is the target of character recognition processing or search processing are compared with each other by calculating a matching ratio between the two numbers. When the matching ratio is lower than a predetermined reference value, a shifted identification number obtained by shifting each character forming the first identification number one digit in a predetermined direction and the second identification number are compared with each other by calculating a matching ratio between the two numbers. If this matching ratio is equal to or higher than the predetermined reference value, subsequent processing is continued, so that the shifted identification number is treated as the first identification number.
    Type: Grant
    Filed: February 21, 2012
    Date of Patent: February 11, 2014
    Assignee: Glory Ltd.
    Inventors: Takayuki Yamaguchi, Ryosuke Minami
  • Publication number: 20140037183
    Abstract: The systems and methods of the present disclosure use a mobile device equipped with a camera to capture and preprocess images of financial documents, and to recognize information in the images of financial documents. The methods include detecting quadrangles in images of a financial document 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 the financial institution to determine the validity of the recognized information. The mobile device may include a camera, a display to display an image data stream and captured images, a memory to store a configuration file including parameters for the preprocessing and recognition functions, captured images, and software, and a communication unit to communicate with a server of the financial institution.
    Type: Application
    Filed: August 6, 2012
    Publication date: February 6, 2014
    Inventors: Nikolai D. Gorski, Andrey V. Semenov, Sergey N. Sashov
  • Publication number: 20140037184
    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 9, 2013
    Publication date: February 6, 2014
    Applicant: A2iA S.A.
    Inventors: Nikolai D. Gorski, Andrey V. Semenov, Valery Anisimov, Sergey K. Maksimov, Sergey N. Sashov
  • Publication number: 20140037182
    Abstract: Apparatus, methods and media for deriving a transaction record based on handwritten check content. The apparatus may include, and the methods and media may involve, a receiver device that is configured to receive a check image. The apparatus may include, and the methods and media may involve, a processor device. The processor device may be configured to define a check segment within the check image; translate content from the segment from handwriting to estimated block text; and store the block text in a transaction record in machine readable memory. The apparatus may include, and the methods and media may involve, a transmitter that is configured to transmit the block text to a financial institution product engine.
    Type: Application
    Filed: August 6, 2012
    Publication date: February 6, 2014
    Applicant: Bank of America Corporation
    Inventors: Geoffrey R. Williams, Timmy L. Gauvin, Eric S. Sandoz, Kerry M. Cantley, Leslie M. LaRock, James F. Barrett, II, James G. Ronca, Deborah N. Bennett, Joshua A. Beaudry
  • Patent number: 8643489
    Abstract: A history management apparatus includes: a storage unit that stores history information of image processing which contains set-membership information containing pieces of document identification information of an input document and an output document, and an image of at least one of the input document and the output document as history information; and a notification unit that, when history information in which a surveillance target element is contained in an image of an input document or an image of an output document is detected from the storage unit, notifies a notified party of such as the detected history information. When the surveillance target element is not contained in both of the images in the history information, and it is identified that at least one of ancestral documents of the input document has the surveillance target element, the notification unit notifies the notified party of the history information.
    Type: Grant
    Filed: September 15, 2009
    Date of Patent: February 4, 2014
    Assignee: Fuji Xerox Co., Ltd.
    Inventor: Takashi Ohsawa
  • Patent number: 8639017
    Abstract: A system and method for detecting duplicate checks during processing. The duplicate detection may be performed by a financial institution, such as a bank. The method may be implemented on a computer based system. The duplicate detection method may be automated. The method may be applied to incoming check files prior to processing of the check data to prevent processing of duplicate checks. The system and method may use a function, such as a hash function, to perform the duplicate detection. Other functions, such as a Bloom filter which may use multiple hash functions, may be used to perform the duplicate detection.
    Type: Grant
    Filed: September 14, 2012
    Date of Patent: January 28, 2014
    Assignee: JPMorgan Chase Bank, N.A.
    Inventor: Milton M. Anderson
  • Patent number: 8639016
    Abstract: Embodiments of the invention provide for mobile communication-based verification of the validity of negotiable checks. By verifying the validity of checks on a mobile communication device, the systems and methods provide for on-the-fly check verification regardless of where and/or at what time the check-related transaction occurs. The systems and methods validate the check in terms of insuring that the check is not fraudulent and, in some instances, providing certainty to the payee that the requisite funds currently exist in the related checking account. Additionally, the systems and methods provide for an efficient and readily identifiable means of conveying the outcome of the check verification process.
    Type: Grant
    Filed: January 11, 2011
    Date of Patent: January 28, 2014
    Assignee: Bank of America Corporation
    Inventor: David Todd Frew
  • Patent number: 8625877
    Abstract: A method is provided of operating an image-based check processing system to detect a double feed condition of carrier envelopes. An example method includes attempting to read a magnetic ink character recognition (MICR) codeline from a first predefined area of an image of a document item, determining if the document item is a carrier envelope, concluding that the document item is not a double-fed item when a determination is made that the document item is a carrier envelope, and concluding that the document item is potentially a double-fed item when a determination is made that the document item is not a carrier envelope.
    Type: Grant
    Filed: December 15, 2011
    Date of Patent: January 7, 2014
    Assignee: NCR Corporation
    Inventors: Darryl S. O'Neill, Michael Ancell
  • Patent number: 8620057
    Abstract: Systems for processing digital check image files include an image classification module programmed to review a plurality of attributes associated with a digital check image file including at least one check image, and to categorize the digital check image file into at least one category of a plurality of categories, and a decision module programmed to decide how to process the digital check image file based on the category.
    Type: Grant
    Filed: September 27, 2011
    Date of Patent: December 31, 2013
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Robert Scot Thomas, Alan W. Hecht, Jr.
  • Patent number: 8620058
    Abstract: The present invention relates to automated document processing and more particularly, to methods and systems for document image capture and processing using mobile devices. In accordance with various embodiments, methods and systems for document image capture on a mobile communication device are provided such that the image is optimized and enhanced for data extraction from the document as depicted. These methods and systems may comprise capturing an image of a document using a mobile communication device; transmitting the image to a server; and processing the image to create a bi-tonal image of the document for data extraction. Additionally, these methods and systems may comprise capturing a first image of a document using the mobile communication device; automatically detecting the document within the image; geometrically correcting the image; binarizing the image; correcting the orientation of the image; correcting the size of the image; and outputting the resulting image of the document.
    Type: Grant
    Filed: December 4, 2012
    Date of Patent: December 31, 2013
    Assignee: Mitek Systems, Inc.
    Inventors: Grigori Nepomniachtchi, James DeBello
  • Patent number: 8615123
    Abstract: A coin identification method and apparatus capable of reliably acquiring stable two-dimensional images of both surfaces of coins 217, and using the acquired two-dimensional images to perform identification and discrimination, reliably and at high speed, between coin denomination, types, dates and origins of mint. In a coin pathway, imaging devices 207a,b are positioned at an image-capture position such that images above and below the surface of passing coins are captured under illumination. The coin denomination is identified by geometric measurements of enhanced images, the coin type is identified by matching templates to enhanced images, and the coin date and mint are identified using template matching to segmented sub-images. In one embodiment, the coin identification information is used for the promotion of a coin counting service. The results are displayed in an entertaining and engaging manner.
    Type: Grant
    Filed: September 7, 2011
    Date of Patent: December 24, 2013
    Assignee: IdentiCoin, Inc.
    Inventor: Steven Dabic
  • Patent number: 8606013
    Abstract: A paper sheet identification device that detects a stain on a paper sheet and identifies the stained condition of the paper sheet includes an area memory (12) that stores therein in advance an area where a stain is to be detected on the paper sheet as a target detection area, a pixel number memory (11) that stores therein in advance the number of pixels of an image printed on the target detection area as the reference number of pixels used as a reference value when being compared, an image reading unit (13) that, based on the target detection area stored in the area memory, reads an image on the target detection area from the paper sheet, a pixel-number detection unit (14) that detects the number of pixels in the image read by the image reading unit as the number of read pixels, and a calculation unit (15) that calculates a stain value that indicates a stained condition on the target detection area of the paper sheet, by comparing the number of read pixels detected by the pixel-number detection unit with the
    Type: Grant
    Filed: August 31, 2006
    Date of Patent: December 10, 2013
    Assignee: Glory Ltd.
    Inventors: Hiroki Hamasaki, Tomohiko Kasuya, Kazuhiro Ohmatsu
  • Publication number: 20130322732
    Abstract: A self-service check cashing system and method which performs preliminary tests on a check to reduce queue length at attendant check cashing stations. An example method includes obtaining an amount of a check from a customer by the self-service terminal, obtaining information from an image of a check by the self-service terminal, performing a plurality of tests by the self-service terminal, including tests using the information from the image to determine whether the check was properly completed; and displaying instructions to the customer by the self-service terminal to go to an attendant terminal to complete a second phase of the check cashing transaction when the self-service terminal determines that the test results were positive.
    Type: Application
    Filed: August 9, 2012
    Publication date: December 5, 2013
    Applicant: NCR CORPORATION
    Inventors: John C. Goodwin, Harris Roth
  • Publication number: 20130322731
    Abstract: A system for making commercial transactions through a paper document includes: a device (3) for reading and scanning the paper document containing information useful for a commercial transaction, the reading and scanning device (3) having an IP address; a user device (5); an interface (7), in particular a connection, between the reading and scanning device (3) and the user device (5), wherein the reading and scanning device (3) includes a software interface adapted to exchange data and/or the information with the user device (5) through the interface (7) and via the HTTP protocol.
    Type: Application
    Filed: June 5, 2012
    Publication date: December 5, 2013
    Applicant: PANINI S.P.A.
    Inventors: Marco Fassiotto, Mirko Zanotel
  • Patent number: 8600146
    Abstract: The invention group relates to the banknote detecting means. The technical result is increase in the banknote identification accuracy. The method is based on a computational processing of the banknote scan formed in the device during scanning. The banknote digital image is separated into areas; for each area a function is calculated and a feature vector is composed with further calculation of the distance to the known classes represented by the parameters available beforehand. Moreover, the calculated function of the banknote digital image allows calculation of its signature in a form of binary number that is compared with the classes known beforehand.
    Type: Grant
    Filed: April 7, 2011
    Date of Patent: December 3, 2013
    Assignee: Obshhestvo S Ogranichennoj Otvetstvennost'Ju ''Konstruktorskoe Bjuro ''Dors'' (OOO ''KB ''Dors'')
    Inventors: Petr Valer'evich Minin, Vladislav Igorevich Korotenko, Dmitry Evgen'evich Sheshukov
  • Patent number: 8600145
    Abstract: The method may be used in the devices for banknote detecting, counting or sorting; it may be used to determine the banknote main characteristics: its currency type and denomination. The method is based on a computational processing of the banknote digital image formed in the device during scanning. Increase in the banknote processing speed is the technical result. The first variant of the method envisages a preliminary classification and further checking of correspondence to selected possible classes according to several criteria typical for each particular class. For checking of correspondence, an admissibility of the value of interrelation characteristic for two areas is validated. According to the second variant, there is made classification on the base of a banknote digital image and for each possible class the measure of the banknote correspondence to the image is calculated and used for ranking, the banknote is referred to the class closest to it by the measure of correspondence.
    Type: Grant
    Filed: April 7, 2011
    Date of Patent: December 3, 2013
    Assignee: Obshhestvo S Organichennoj Otvetstvennost′Ju ″Konstruktorskoe Bjuro ″Dors″ (OOO ″KB ″Dors″)
    Inventors: Petr Valer'evich Minin, Vladislav Igorevich Korotenko, Dmitry Evgen'evich Sheshukov, Dmitry Gennadievich Pis'Menny
  • Patent number: 8593698
    Abstract: A void pantograph and a method for generating the same are disclosed herein. The void pantograph includes a foreground portion based on a region of an image that is defined using a predetermined filter, and a background portion based on another region of the image that is defined using the predetermined filter.
    Type: Grant
    Filed: February 26, 2009
    Date of Patent: November 26, 2013
    Assignee: Hewlett-Packard Development Company, L.P.
    Inventors: Steven J. Simske, Jason S. Aronoff, Malgorzata M. Sturgill
  • Patent number: 8590940
    Abstract: A method or corresponding apparatus for remote transmission of a negotiable instrument. In an example embodiment, the process provides a carrier that secures a negotiable instrument. Next, the process creates a unique identifier, associated with the carrier, and generates an electronic image of the negotiable instrument. After generating the electronic image, the process transmits the electronic image of the negotiable instrument and the unique identifier to a remote location. The negotiable instrument may be transmitted via a fax, a scanner, a device designed to transmit electronic data, other image device compatible with ITU-T recommendations T.30 or T.4, or combination thereof. The process may also verify the negotiable instrument has a valid endorsement, verify image quality of the electronic image to ensure compliance with financial industry standards, or validate any received security information.
    Type: Grant
    Filed: April 15, 2011
    Date of Patent: November 26, 2013
    Assignee: Lighthouse Consulting Group, LLC
    Inventors: Robert P. Popadic, John R. Popadic, Thomas E. Gazda, Stuart J. Lipoff
  • Patent number: 8590781
    Abstract: Systems and methods for processing checks using 2D barcodes are provided. A user submits a digital image of a check that includes a 2D barcode. The 2D barcode has embedded positional information of one or more check features which can be decoded and compared to the check features optically identified on the digital image of the check. From this, a set of rotational and scaling adjustments can be computed by comparing estimated positional information with the positional information of the one or more check features retrieved from the barcode. A more accurate representation of the check is then produced by applying the set of rotational and scaling adjustments to the digital image of the check. Once a more accurate representation of the check has been produced, the check can be electronically processed using a routing transit number found on the check.
    Type: Grant
    Filed: July 30, 2012
    Date of Patent: November 26, 2013
    Assignee: United Services Automobile Association (USAA)
    Inventors: Andre Rene Buentello, Sharon Kay Haverlah
  • Patent number: 8589262
    Abstract: The disclosed embodiments relate to a computer system that facilitates identifying additional tax information. During operation, the computer system receives tax information. Next, the computer system determines relevance of the additional tax information to the tax information using a metric indicative of a statistical relationship between the tax information and the additional tax information in a tax-information data structure. This metric is based on co-existence of the tax information and the additional tax information at different hierarchical levels in income-tax documents. Moreover, the tax-information data structure includes tax information and associated context information from income-tax documents. Next, the computer system identifies the additional tax information based on the relevance and a threshold, and the computer system provides the additional tax information.
    Type: Grant
    Filed: January 11, 2011
    Date of Patent: November 19, 2013
    Assignee: Intuit Inc.
    Inventor: Gang Wang
  • Patent number: 8582862
    Abstract: Techniques for assuring the quality of mobile document image captured using a mobile device are provided. These techniques include performing one or more tests to assess the quality of images of documents captured using the mobile device. The tests can be selected based on the type of document that was imaged, the type of mobile application for which the image quality of the mobile image is being assessed, and/or other parameters such as the type of mobile device and/or the characteristics of the camera of the mobile device that was used to capture the image. The image quality assurance techniques can also be implemented on can be implemented on a mobile device and/or on a remote server where the mobile device routes the mobile image to the remote server processing and the test results are be passed from the remote server to the mobile device.
    Type: Grant
    Filed: May 12, 2010
    Date of Patent: November 12, 2013
    Assignee: Mitek Systems
    Inventors: Grigori Nepomniachtchi, James DeBello
  • Patent number: 8577118
    Abstract: The present invention relates to automated document processing and more particularly, to methods and systems for document image capture and processing using mobile devices. In accordance with various embodiments, methods and systems for document image capture on a mobile communication device are provided such that the image is optimized and enhanced for data extraction from the document as depicted. These methods and systems may comprise capturing an image of a document using a mobile communication device; transmitting the image to a server; and processing the image to create a bi-tonal image of the document for data extraction. Additionally, these methods and systems may comprise capturing a first image of a document using the mobile communication device; automatically detecting the document within the image; geometrically correcting the image; binarizing the image; correcting the orientation of the image; correcting the size of the image; and outputting the resulting image of the document.
    Type: Grant
    Filed: October 15, 2010
    Date of Patent: November 5, 2013
    Assignee: Mitek Systems
    Inventors: Grigori Nepomniachtchi, James DeBello, Josh Roach
  • Patent number: 8573591
    Abstract: An optical reader is provided. A transport section is capable of transporting a medium which is a reading target in forward and backward directions along a transport path. An optical reading section is installed in the transporting path. The optical reading section optically reads the medium which is transported by the transport section. A control section sets a transport direction of the medium at the time of reading of the medium on the basis of a position of the medium before or when the reading of the medium is started and a reading position of the optical reading section such that a transport distance of the medium until the reading of the medium is completed is shortened, and controls the transport section and the optical reading section.
    Type: Grant
    Filed: January 13, 2011
    Date of Patent: November 5, 2013
    Assignee: Seiko Epson Corporation
    Inventor: Hiroyuki Motoyama
  • Publication number: 20130287284
    Abstract: Systems and methods are provided for processing an image of a financial payment document captured using a mobile device and classifying the type of payment document in order to extract the content therein. These methods may be implemented on a mobile device or a central server, and can be used to identify content on the payment document and determine whether the payment document is ready to be processed by a business or financial institution. The system can identify the type of payment document by identifying features on the payment document and performing a series of steps to determine probabilities that the payment document belongs to a specific document type. The identification steps are arranged starting with the fastest step in order to attempt to quickly determine the payment document type without requiring lengthy, extensive analysis.
    Type: Application
    Filed: March 15, 2013
    Publication date: October 31, 2013
    Inventors: Grigori Nepomniachtchi, Vitali Kliatskine, Nikolay Kotovich
  • Patent number: 8564850
    Abstract: When optically scanning a medium, scanning can proceed immediately even if the size of the medium is unknown. Before or when an optical reading device starts scanning to read all of a recording medium, the CPU 40 sets a scan block of a size that can always be scanned based on the output of media edge sensors 47 and the distance from the scanning position of the optical reading device to the detection position of the media edge sensors 47, and then scans the set scan block.
    Type: Grant
    Filed: January 11, 2011
    Date of Patent: October 22, 2013
    Assignee: Seiko Epson Corporation
    Inventor: Hiroyuki Motoyama
  • Patent number: 8558205
    Abstract: Presented is a light detection device including a first detecting portion detecting fluorescence from a first detection position on a conveyor path, a second detecting portion detecting afterglow from a second detection position on the conveyor path, a lighting portion applying excitation light over a range including the first detection position but not the second detection position, a first reference member including fluorescent material emitting fluorescence and emitting reference light toward the first detecting portion, a second reference member emitting reference light toward the second detecting portion, the reference light not influencing a result of detection by the second detecting portion, and a correction controller correcting a detection result by the first detecting portion based on the reference light detected by the first detecting portion and correcting a detection result by the second detecting portion based on the reference light detected by the second detecting portion.
    Type: Grant
    Filed: December 12, 2012
    Date of Patent: October 15, 2013
    Assignee: Kabushiki Kaisha Toshiba
    Inventors: Seiji Ikari, Junji Miura
  • Publication number: 20130259357
    Abstract: A remote deposit capture system is provided that includes the means for human evaluation of financial transactions, and well as the application of rules based methodologies.
    Type: Application
    Filed: January 18, 2013
    Publication date: October 3, 2013
    Inventors: Christopher F. EBBERT, Sunil BHUJLE, Viktor POTERYAKHIN, Sunny MILENOV
  • Patent number: 8548220
    Abstract: Disclosed is a medium recognition apparatus for determining the type of a medium by using color information obtained by scanning the inserted medium, as well as a method for determining the type of a medium by using the apparatus. Color information and size information obtained by scanning only a partial region of a medium image, the hue of the medium image scanned by the image sensor, or RGB channel color information scanned by the color sensor is compared with pre-stored reference information to determine the type of the medium. This guarantees that the type of the medium is determined quickly and accurately based on simple comparing results.
    Type: Grant
    Filed: May 15, 2008
    Date of Patent: October 1, 2013
    Assignee: LG CNS Co. Ltd.
    Inventors: Young-Sik Bang, Seung-Oh Han
  • Patent number: 8542949
    Abstract: An apparatus and method for validation of images and their associated Tag Image File Format (TIFF) tags in an image cash letter. One or more image cash letters (ICLs) are received. Each image cash letter is validated that it satisfies defined image and TIFF validation rules. Image cash letters are identified that have non-conforming images that do not pass the image and TIFF validation rules. Errors associated with the non-conforming images are automatically sent to an originator of the identified image cash letter that has the non-conforming images. Various reports may be generated identifying errors in the non-conforming images and associated originators of the errors.
    Type: Grant
    Filed: August 7, 2008
    Date of Patent: September 24, 2013
    Assignee: Bank of America Corporation
    Inventors: Lowell Huff, James Milford Heddleson
  • Patent number: 8538124
    Abstract: Systems and methods for real-time validation of check image quality and readability of MICR line data are provided. A check image received by a financial institution can be assessed during a customer on-line session, so that the customer is informed in real-time whether the image is acceptable. Received check images are used to produce images in another format, which are then analyzed for specified requirements.
    Type: Grant
    Filed: May 10, 2007
    Date of Patent: September 17, 2013
    Assignee: United Services Auto Association (USAA)
    Inventors: Greg Alan Harpel, R. Bharat Prasad Nuggehalli, Michael Frank Morris
  • Patent number: 8532419
    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: January 12, 2011
    Date of Patent: September 10, 2013
    Assignee: iParse, LLC
    Inventor: Mike Reddick Coleman
  • Patent number: 8527419
    Abstract: A method and apparatus for monitoring through completion the automated processes performed by a bank in validating Image Cash Letters for purposes of check clearing under the provisions of the Check21 Act.
    Type: Grant
    Filed: June 27, 2008
    Date of Patent: September 3, 2013
    Assignee: Bank of America Corporation
    Inventors: Lowell R. Huff, Geoffrey R. Williams
  • Publication number: 20130223721
    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: Application
    Filed: March 15, 2013
    Publication date: August 29, 2013
    Applicant: MITEK SYSTEMS
    Inventor: MITEK SYSTEMS
  • Patent number: 8514379
    Abstract: A document processing system includes an input receptacle for receiving documents. A transport mechanism receives the documents from the input receptacle and transports the documents past an image scanner and a discrimination unit. An output receptacle receives the documents from the transport mechanism after being transported past the full image scanner and the discrimination unit. The image scanner operates to obtain images of the documents and further operates to obtain images of selected portions of the documents, and further can obtain information contained in the selected portions. The discrimination unit operates to determine document authenticity. A system controller directs the flow of documents over the transport mechanism.
    Type: Grant
    Filed: December 11, 2009
    Date of Patent: August 20, 2013
    Assignee: Cummins-Allison Corp.
    Inventors: John E. Jones, Paul A. Jones, William J. Jones, Douglas U. Mennie
  • Publication number: 20130202185
    Abstract: A method for collecting and transmitting information desired for a commercial transaction from a debit or credit card uses a processor configured with optical character recognition (OCR) capability. At least one optical image of the debit or credit card is collected by the processor. The edges of the card are algorithmically defined from the collected image. Predefined offsets are applied to the algorithmically defined edges of the debit or credit card to algorithmically locate an area in the collected image having the desired transactional data. The transactional data within the located area is encoded and transmitted for further processing of the commercial transaction.
    Type: Application
    Filed: October 3, 2012
    Publication date: August 8, 2013
    Applicant: Scientific Games International, Inc.
    Inventor: Scientific Games International, Inc.
  • Patent number: 8483473
    Abstract: Systems and methods for applying for and creating balance transfers with a mobile device are provided. An image of a customer's financial statement can be taken using a mobile device, after which the image is analyzed to extract information relevant to creating a balance transfer. The extracted information is then communicated to a bank over a network connected with the mobile device, where the bank can process the information and create an offer to the customer for a balance transfer in real-time. An example financial statement is a credit card statement. These systems and methods may comprise capturing an image of a document using a mobile communication device; transmitting the image to a server; detecting relevant information within the image; transmitting the information to a bank; and transmitting a resulting balance transfer offer from the bank to the mobile device.
    Type: Grant
    Filed: October 29, 2012
    Date of Patent: July 9, 2013
    Assignee: Mitek Systems, Inc.
    Inventors: John J. Roach, Grisha Nepomniachtchi, Robert Couch, Mikhail Avergun
  • Patent number: 8478020
    Abstract: A customer account number is received via an interface of a document processing device. A plurality of documents associated with the deposit transaction is received in an input receptacle of the document processing device. The plurality of documents is transported, one at a time, along a transport path from the input receptacle past an image scanner to one or more output receptacles. Each document is imaged with the image scanner to produce image data associated with the deposit transaction. The image data is reproducible as a visually readable image of at least a portion of each document. Deposit information is generated from the image data associated with the deposit transaction. The customer account number is associated with the generated deposit information. The deposit information is transmitted from the document processing device to a teller system.
    Type: Grant
    Filed: April 13, 2010
    Date of Patent: July 2, 2013
    Assignee: Cummins-Allison Corp.
    Inventors: William J. Jones, Frank M. Csulits, Curtis W. Hallowell, Douglas U. Mennie, Matthew L. Anderson, Robert J. Klein, Ralf H. Jaeger, David R. Badalamenti
  • Publication number: 20130163846
    Abstract: A method and apparatus are disclosed for providing an image of a rectangular target object. The method includes the steps of determining only a first dimension of a rectangular target object in an initial image, subsequently determining only a second dimension of the target object and subsequently providing a cropped and de-skewed final image of the target object responsive to the determined first and second dimension.
    Type: Application
    Filed: December 21, 2011
    Publication date: June 27, 2013
    Applicant: NCR Corporation
    Inventor: Jeffrey S. Cooper