Reading Bank Checks (e.g., Documents Bearing E-13b Type Characters) Patents (Class 382/137)
  • Publication number: 20130156289
    Abstract: A system and method of processing paper checks that divides into two independent paths the processing of a data file representing a check and the digital image of the check. The data files and image files are separated both in time and in space. The digital image files are deposited as an image or substitute check if deemed ACH ineligible through image exchange. WIC checks are handled through image exchange. Vendor identifiers required for WIC processing are added to the check after scanning. The system identifies the state of the check and the particular store accepting the check in order to determine where to place the overlay and which vendor identifier to use.
    Type: Application
    Filed: February 15, 2013
    Publication date: June 20, 2013
    Applicant: SOLUTRAN
    Inventor: Kari B. Hawkins
  • Patent number: 8458093
    Abstract: After a charge has been made with a credit card, the charge may be analyzed to determine if it may be transferred to a line of credit. The credit card may be monitored for purchases that match rules or criteria set by a user and/or an institution system. If the transaction meets the rules and/or criteria, the charge on the credit card may be paid with funds from the line of credit. In an implementation, instead of the user waiting for the credit card bill and then paying the amount of the charge on the bill from the line of credit, the institution system automatically performs the transfer for the user (e.g., pays the charge on the credit card with funds from the line of credit).
    Type: Grant
    Filed: June 19, 2009
    Date of Patent: June 4, 2013
    Assignee: United Services Automobile Association (USAA)
    Inventor: Arthur Quentin Smith
  • Patent number: 8452071
    Abstract: A self-service terminal for storing currency, includes a detection unit, an image capturing unit, a database, and a serial number reading unit. The detection unit detects the currency. The image capturing unit is connected to the detection unit, and captures an image of a side of the currency on which a string of serial numbers are printed. The database is connected to the image capturing unit. The database includes depositor's information stored therein. The database saves the image therein. The serial number reading unit is connected to the database. The serial number reading unit captures the string of serial numbers from image. The database saves the string of serial numbers therein, and associates the string of serial numbers with the information of the depositor.
    Type: Grant
    Filed: December 15, 2010
    Date of Patent: May 28, 2013
    Assignees: Hong Fu Jin Precision Industry (ShenZhen) Co., Ltd., Hon Hai Precision Industry Co., Ltd.
    Inventors: Chih-Kun Shih, Wan-Cheng Luo, Xiao-Mao Xie, Wei Xu, Xiang-Xiong Xiao
  • Patent number: 8442348
    Abstract: Disclosed are methods, devices, and computer program products for image noise reduction. In one example embodiment, a method for reducing noise in a digital image includes several acts. First, one or more objects are identified in an input image. Next, the input image or a portion thereof is processed to produce another image, which may be a blurred version of the input image. Finally, one or more objects in the processed image that correspond to the one or more objects identified in the input image are evaluated to determine whether to discard the one or more objects identified in the input image. For example, if an amount of energy preserved in an object after blurring is less than a threshold, the object may be discarded as noise.
    Type: Grant
    Filed: November 6, 2008
    Date of Patent: May 14, 2013
    Assignee: Seiko Epson Corporation
    Inventor: Guoyi Fu
  • Patent number: 8442296
    Abstract: A check and U.S. bank note processing device configured to process both checks and U.S. bank notes and a method of using the same. The device comprises an input receptacle configured to receive checks and U.S. bank notes and an output receptacle. The device further comprises a transport mechanism configured to transport the checks and U.S. bank notes from the input receptacle past an image scanner. The image scanner is configured to obtain an image of each check and U.S. bank note transported past the image scanner. The device is configured to determine the denominations of U.S. bank notes transported by the transport mechanism. The device further comprises a memory configured to store the images of checks transported past the image scanner.
    Type: Grant
    Filed: September 22, 2011
    Date of Patent: May 14, 2013
    Assignee: Cummins-Allison Corp.
    Inventors: John E. Jones, Paul A. Jones, William J. Jones, Douglas U. Mennie
  • Patent number: 8437531
    Abstract: A check and U.S. bank note processing device configured to process both checks and U.S. bank notes. According to one embodiment, the device comprises an input receptacle configured to receive checks and U.S. bank notes and an output receptacle. The device further comprises a transport mechanism configured to transport the checks and U.S. bank notes from the input receptacle past an image scanner. The image scanner is configured to obtain an image of each check and U.S. bank note transported past the image scanner. The device is configured to determine the denominations of transported U.S. bank notes. The device is configured to capture information from checks transported past the image scanner. The device further comprises a memory configured to store the information captured from checks transported past the image scanner.
    Type: Grant
    Filed: September 22, 2011
    Date of Patent: May 7, 2013
    Assignee: Cummins-Allison Corp.
    Inventors: John E. Jones, Paul A. Jones, William J. Jones, Douglas U. Mennie
  • Patent number: 8437528
    Abstract: A stack of documents is received, transported, and imaged to produce image data. The image data associated with each document is reproducible as a visually readable image of at least a portion of a respective document. The document processing device determines whether each document satisfies one or more certain flag criteria. A document that satisfies one or more of the certain flag criteria is a flagged document. In response to one of the documents satisfying one of the certain flag criteria, the document processing device continues to transport subsequent documents in the stack of documents and displays on a display unit of the document processing device a visually readable image of at least a portion of the flagged document using the image data associated with the flagged document and a positional locator associated with the location of the flagged document in the output receptacle.
    Type: Grant
    Filed: April 13, 2010
    Date of Patent: May 7, 2013
    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: 8433126
    Abstract: A check and U.S. bank note processing device configured to process both checks and U.S. bank notes. The device comprises an input receptacle configured to receive checks and U.S. bank notes and an output receptacle. The device further comprises a transport mechanism configured to transport the checks and U.S. bank notes from the input receptacle past an image scanner. The image scanner is configured to obtain an image of each check and U.S. bank note transported past the image scanner. The device is configured to determine the serial numbers of U.S. bank notes transported past the image scanner. The device further comprises a memory configured to store the determined serial numbers of U.S. bank notes.
    Type: Grant
    Filed: September 22, 2011
    Date of Patent: April 30, 2013
    Assignee: Cummins-Allison Corp.
    Inventors: John E. Jones, Paul A. Jones, William J. Jones, Douglas U. Mennie
  • Publication number: 20130094751
    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: Application
    Filed: December 4, 2012
    Publication date: April 18, 2013
    Applicant: MITEK SYSTEMS
    Inventor: Mitek Systems
  • Patent number: 8422732
    Abstract: An apparatus and method specify the presence/absence of an alteration and an alteration position of an image. A block-division unit divides image data into image data of a first unit including a predetermined number of pixels. A block calculation unit calculates an image data coefficient of the first unit. A cell-division unit divides one image data of the first unit into image data of a second unit. A cell calculation unit calculates an image data coefficient of the second unit. First verification data is generated by selecting two image data coefficients of the first unit and generating, for one pair, data representing the magnitude relation of the image data coefficients of the first unit. Second verification data is generated by selecting two image data coefficients of the second unit and generating, for one pair, data representing the magnitude relation of the image data coefficients of the second unit.
    Type: Grant
    Filed: November 29, 2010
    Date of Patent: April 16, 2013
    Assignee: Canon Kabushiki Kaisha
    Inventors: Kenichi Okihara, Koji Harada, Junichi Hayashi
  • Patent number: 8422758
    Abstract: A user or a device may separate a check into two or more portions prior to generating a digital image of the check for remote deposit of the check. The user or a device may separate the check by cutting or tearing the check. After separating the check into the portions, the user may generate a digital image of the portions of the check using a scanner for example. The digital image may be transmitted to an institution for deposit of the check. The institution may retrieve the images of the portions of the check and generate an image of the check based on the portions, by combining the images of the portions for example. The image of the check that may be generated based on the images of the portions may be processed for deposit.
    Type: Grant
    Filed: September 2, 2008
    Date of Patent: April 16, 2013
    Assignee: United Services Automobile Association (USAA)
    Inventor: Michael Patrick Bueche, Jr.
  • Patent number: 8417016
    Abstract: An acceptor device for sheet objects such as banknotes, comprises a sensor to derive data corresponding to a spatial array of data samples from a face of a sheet object, said data being configured in a sampling frame that lies within a range of positional relationships to a reference frame. The acceptor device also comprises a processor operable to process the data to determine the relationship between the reference frame and the sampling frame for the sensed data, and being operable to transform pre-selected regions of the sensed data from the sampling frame so as to correspond to data in the reference frame, and to make a comparison of the transformed data with reference data corresponding to the pre-selected regions in the reference frame and to the sheet object depending on the outcome of the comparison.
    Type: Grant
    Filed: December 13, 2005
    Date of Patent: April 9, 2013
    Assignee: Money Controls Limited
    Inventors: Malcolm Reginald Hallas Bell, Kevin Charles Mulvey, Andrew William Barson, John Ashby
  • Patent number: 8416443
    Abstract: A plurality of sets of a printed document for distribution to a plurality of destinations is generated. For each one of the plurality of destinations, whether to perform conceal processing to document data is determined, and destination-specific print data is generated by performing conceal processing to the document data when it is determined that conceal processing is to be performed and by adding each one of the destination identification information identifying each one of the plurality of destinations to the document data.
    Type: Grant
    Filed: December 2, 2009
    Date of Patent: April 9, 2013
    Assignee: Ricoh Company, Limited
    Inventor: Yasushi Abe
  • Patent number: 8406500
    Abstract: Simultaneous scanning of multiple checks. In one example embodiment, a method for simultaneous scanning of multiple checks with a flatbed scanner includes several acts. First, a front side of a transparent sleeve is scanned on a flatbed scanner in order to create a first image. The sleeve has multiple pockets with a check positioned in each pocket. The sleeve further has multiple alignment markings on the front side and on a back side of the sleeve. Next, the back side of the sleeve is scanned on the flatbed scanner in order to create a second image. Then, it is determined from the respective positions of the alignment markings on the first image and on the second image that the sleeve was rotated between scans. Finally, one of the first and second images is automatically rotated to match the other image in order to align each front/back check image pair.
    Type: Grant
    Filed: January 20, 2010
    Date of Patent: March 26, 2013
    Assignee: Seiko Epson Corporation
    Inventors: Amir Najari, Kenneth Fang, William Gugg, Thomas Kettell
  • Patent number: 8403207
    Abstract: A method of recording a transaction relating to a security document is disclosed. Coded data portions are provided on the security document, with each coded data portion encoding an identity of the security document and part of a signature. The signature is a digital signature of the identity. A sensing device senses at least one coded data portion. From the coded data portion sensed by the sensing device a determined identity and a determined signature part are determined. The security document is authenticated using the determined identity and the determined signature part. Transaction data associated with the security document, stored in a data store, is updated upon successful authentication.
    Type: Grant
    Filed: January 15, 2012
    Date of Patent: March 26, 2013
    Assignee: Silverbrook Research Pty Ltd
    Inventors: Kia Silverbrook, Paul Lapstun
  • Patent number: 8405881
    Abstract: An image processing device includes an additional image formation unit configured to form an additional image having a first predetermined density. At least a part of the additional image is overlaid with a main image having a second predetermined density, the main image being formed on an image formation medium. A boundary image formation unit is configured to form a boundary image which is formed in an area defined in the vicinity of an overlaid area where the additional image is overlaid with the main image. A density of the boundary image is lower than both the first predetermined density and the second predetermined density. A synthesized image formation unit is configured to synthesize the main image, additional image and the boundary image to form a synthesized image.
    Type: Grant
    Filed: April 7, 2009
    Date of Patent: March 26, 2013
    Assignee: Brother Kogyo Kabushiki Kaisha
    Inventor: Akihiro Hayashi
  • Patent number: 8396279
    Abstract: According to one embodiment, the present invention relates to a method and a system for transaction decision making. According to an exemplary embodiment, a method and system for processing payment items involve receiving a payment item at a sorter device; extracting electronic data from the payment item from an electronic readable line of the payment item; imaging the payment item to obtain image data of the payment item; comparing the electronic data and the image data to verify payment data associated with the payment item; and determining an optimal settlement path for the payment item, at the sorter device.
    Type: Grant
    Filed: March 21, 2012
    Date of Patent: March 12, 2013
    Assignee: JPMorgan Chase Bank, N.A.
    Inventors: Laura M. Ferris, Richard L. Norman, Anthony B. Gerevics
  • Patent number: 8391584
    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: October 20, 2008
    Date of Patent: March 5, 2013
    Assignee: JPMorgan Chase Bank, N.A.
    Inventor: Milton M. Anderson
  • Publication number: 20130034291
    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: Application
    Filed: April 7, 2011
    Publication date: February 7, 2013
    Applicant: 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: 8369601
    Abstract: Check image data which is representative of an image of the check is captured. Endorsement data which is representative of an image of an endorsement is appended to the check image data to provide endorsed check image data which is representative of an image of the check and the endorsement. The endorsed check image data is stored in memory.
    Type: Grant
    Filed: December 10, 2002
    Date of Patent: February 5, 2013
    Assignee: NCR Corporation
    Inventor: Richard P. Lugg
  • Publication number: 20130028502
    Abstract: Techniques for processing an image of a check captured using a mobile device are provided. The check image is processed to determine whether the check can be deposited at a bank via a mobile deposit process. The system can identify regions of the check—such as the endorsement area—to determine if the check has been properly endorsed. The system can be implemented on a mobile device and/or a server, where the mobile device routes the check image to the server for processing. If the check cannot be deposited, a rejection is forwarded in real time to the mobile device for possible correction.
    Type: Application
    Filed: June 4, 2012
    Publication date: January 31, 2013
    Applicant: MITEK SYSTEMS
    Inventors: Grisha Nepomniachtchi, Vitali Kliatskine
  • Patent number: 8358826
    Abstract: Images of a plurality of checks to be presented for payment may be captured through the use of a check sleeve. The check sleeve includes check-holding mechanism to hold one or more checks in place in the sleeve, and contains various types of markings or other features that allow an image of the sleeve to be oriented, and to allow the portion of the image that represents a check to be distinguished from portions of the image that do not represent a check. One or more algorithms may be used to distinguish check from non-check portions of the image, and to orient the image. The check sleeves may have one or more barcodes imprinted thereon, which may encode various types of information.
    Type: Grant
    Filed: October 23, 2007
    Date of Patent: January 22, 2013
    Assignee: United Services Automobile Association (USAA)
    Inventors: Reynaldo Medina, III, Matthew Wayne Prater
  • Patent number: 8358827
    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: February 23, 2010
    Date of Patent: January 22, 2013
    Assignee: RDM Corporation
    Inventors: Bill Faulkner, Dmitri Eidenzon
  • Publication number: 20130016893
    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: Application
    Filed: July 11, 2012
    Publication date: January 17, 2013
    Inventors: Hideyuki KORETSUNE, Masakane NAGAKI
  • Patent number: 8351677
    Abstract: Remote deposit of checks can be facilitated by a financial institution. A customer's general purpose computer and image capture device may be leveraged to capture an image of a check and deliver the image to financial institution electronics. Additional data for the transaction may be collected as necessary. The transaction can be automatically accomplished utilizing the images and data thus acquired.
    Type: Grant
    Filed: October 31, 2006
    Date of Patent: January 8, 2013
    Assignee: United Services Automobile Association (USAA)
    Inventors: Charles Lee Oakes, III, Randy Ray Morlen, R. Bharat Prasad Nuggehalli, Greg Alan Harpel, Michael Frank Morris
  • Patent number: 8351678
    Abstract: Images from checks may be compared with each other to detect a twice-deposited or represented check. An image of a check may be parsed into regions or tiles, for example. In an implementation, values for regions or tiles over a predetermined area (e.g., an area from a character in the magnetic ink character recognition (MICR) line at the bottom of the check to the dollar sign symbol) may be compared. In an implementation, a virtual overlay of two check images may be performed and a correlation may be determined.
    Type: Grant
    Filed: June 11, 2008
    Date of Patent: January 8, 2013
    Assignee: United Services Automobile Association (USAA)
    Inventor: Reynaldo Medina, III
  • Patent number: 8345313
    Abstract: There is described an image forming apparatus, which make it possible to appropriately print each of a valid print object and an invalid print object. The apparatus includes: a printing section to conduct a printing operation based on the print data, so as to create the print product; and a control section to determine whether the digital signature is valid or invalid so as to control the printing operation, based on the determined result. When the plurality of print objects includes both a valid print object for which the digital signature is determined as valid and an invalid print object for which the digital signature is determined as invalid, the control section controls the printing operation, so as to enable the valid print object to be printed, based on the print data, while disable the invalid print object to be printed, based on the print data.
    Type: Grant
    Filed: October 15, 2007
    Date of Patent: January 1, 2013
    Assignee: Konica Minolta Business Technologies, Inc.
    Inventors: Yoshinori Tanaka, Yoko Fujiwara, Masahiro Ozawa, Jun Kuroki, Hiroshi Nogawa, Fumihito Akiyama, Yasufumi Aoyama
  • Patent number: 8339642
    Abstract: An apparatus, method, and system for processing character data is provided, which selects a format of the character data to be used for generating print data. When a user instruction for printing character data according to character command data specifying the output of the character data is received, the format of the character data is selected based on the character command data.
    Type: Grant
    Filed: February 12, 2009
    Date of Patent: December 25, 2012
    Assignee: Ricoh Company, Ltd.
    Inventor: Akiyoshi Ono
  • Patent number: 8339678
    Abstract: An apparatus, system, and method for image processing are disclosed, each of which obtains a mark from image data, detects additional information in the mark, determines whether the mark is detected in the mark to generate a determination result, and controls processing performed by an image processing apparatus with respect to the image data based on the determination result.
    Type: Grant
    Filed: February 17, 2009
    Date of Patent: December 25, 2012
    Assignee: Ricoh Company, Ltd.
    Inventors: Masaaki Ishikawa, Hiroshi Shimura
  • Patent number: 8340391
    Abstract: A document input module (2) for the input of documents (9, 91, 92, 93) having at least one MICR section (10), with a reading head (3) to read the at least one MICR section (10) relative to a system (8) of input documents (9, 91, 92, 93), characterized in that the document input module (2) has at least one further reading head (4, 5, 6) to read different formats and input positions of input documents (9, 91, 92, 93).
    Type: Grant
    Filed: November 12, 2008
    Date of Patent: December 25, 2012
    Assignee: Wincor Nixdorf International GmbH
    Inventor: Udo Petermann
  • Patent number: 8335014
    Abstract: A test pattern containing plurality of patches recorded using small dot patterns and large dot patterns is printed. The dot sizes arranged in the patches are different between patches. Then the test patterns are read. The detection rate and average density of additional information embedded in each large dot pattern are obtained. A large dot pattern whose detection rate and average density fall within a reference range and are closest to ideal values is determined. The average density of each small dot pattern is obtained. A small dot pattern whose average density falls within a reference range and is closest to the average density of the determined large dot pattern is determined. A copy-forgery-inhibited pattern image is generated using these dot patterns and combined with a print target image.
    Type: Grant
    Filed: May 12, 2009
    Date of Patent: December 18, 2012
    Assignee: Canon Kabushiki Kaisha
    Inventor: Mizuki Muramatsu
  • Publication number: 20120314931
    Abstract: A method and system for processing financial instruments to detect the presence of duplicate instruments. The method may include the steps of receiving items of information for a plurality of financial instruments, grouping the items into cycles and appending cycle and time dependent information to the items to form coded items, storing the coded items in a database, comparing the items to find items having duplicate identifying information, marking duplicate items for subsequent deletion and printing a report listing the duplicate items. The system may include a mainframe, data repository, item processing applications, and a module that filters items from incoming strings to remove false positives. The remaining duplicate items may be viewed on a graphical user interface that allows a user to review attributes of each item and manually mark duplicates for subsequent deletion.
    Type: Application
    Filed: August 14, 2012
    Publication date: December 13, 2012
    Applicant: KEYCORP
    Inventors: Dale Bonds, John W. Burgess, Luke Tetreault
  • Patent number: 8326015
    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: April 20, 2011
    Date of Patent: December 4, 2012
    Assignee: Mitek Systems, Inc.
    Inventor: Grigori Nepomniachtchi
  • Patent number: 8320635
    Abstract: Method and system to centrally monitor the quality of images of financial documents. Embodiments of the present invention can provide a way to monitor and evaluate the quality of images of financial documents stored for remote access by financial institutions. In some embodiments, a standard quality analysis of at least some of the images is performed, and, based on the quality analysis, suspect images are identified to a responsible entity. For at least some of the images, a decisioning result from the responsible entity is recorded in association with information identifying the images. The quality analysis can be applied based on exclusion criteria such as an amount threshold, certain routing information, etc. The suspect images can be identified by sending a quality results file to the responsible entity, and a decisioning result can be received in a decisioning results file.
    Type: Grant
    Filed: December 2, 2005
    Date of Patent: November 27, 2012
    Assignee: Viewpointe Archive Services, LLC
    Inventors: Patrick S. McMonagle, Christine Collins, John Leon
  • Publication number: 20120287157
    Abstract: A money handling apparatus that handles money includes an inlet for taking in money; a money storing unit that stores therein the money; an outlet for dispensing the money; a money transport unit that transports the money between the inlet and the outlet, and the money storing unit; a money recognition unit that is provided to the transport unit and recognizes the money; a check receiving port for receiving a check; a scanner that scans the check to acquire a check image; a check transport unit that transports the check between the check receiving port and the scanner; a check recognition unit that recognizes check information that includes at least a check amount from the check image acquired by the scanner; and a control unit that dispenses money equivalent to an amount of difference between a transaction amount acquired from outside the money handling apparatus and a sum of the check amount and an amount of the deposited money.
    Type: Application
    Filed: January 29, 2010
    Publication date: November 15, 2012
    Inventor: Kazuhiro Doi
  • Publication number: 20120275685
    Abstract: A system relates to determining PCS values for a document image representing a document having at least one area of interest on a surface of the physical item for containing critical data and a background image positioned on the surface, the document suitable for positioning in a digital image recorder. The system includes an input module configured for obtaining reflectance values distributed across the surface of the document; a memory configured for storing PCS threshold values assigned to corresponding locations on the surface; a calculation module configured for determining respective PCS values of target portions of the surface.
    Type: Application
    Filed: June 14, 2012
    Publication date: November 1, 2012
    Applicant: RDM Corporation
    Inventors: Bill Faulkner, Dmitri Eidenzon
  • Patent number: 8300916
    Abstract: Apparatus for checking the validity of a banknote wherein a light source illuminates a banknote through a slit as it is transported along a note path, the emitted light being detected at different wavelengths to generate a plurality of images such that a three dimensional matrix can be created, for comparison against matrices of authentic banknotes.
    Type: Grant
    Filed: August 5, 2010
    Date of Patent: October 30, 2012
    Assignee: Innovative Technology Limited
    Inventor: Matthew Strong
  • Patent number: 8300915
    Abstract: A method is provided of operating an image-based self-service check depositing terminal. The method comprises receiving from a self-service depositor a check to be deposited, illuminating the check with infrared radiation to improve contrast between pre-printed characters on the check and non-pre-printed check data on the check, and electronically on an imager capturing an image of the check while the check is illuminated with infrared radiation to provide a captured infrared check image with improved contrast between at least one pre-printed character on the check and non-pre-printed check data on the check so as to allow location of a check field associated with the check to be more easily located.
    Type: Grant
    Filed: May 21, 2009
    Date of Patent: October 30, 2012
    Assignee: NCR Corporation
    Inventors: Steven D. Williamson, Stewart B. Kelland
  • Patent number: 8300914
    Abstract: A transaction processing apparatus includes a display unit, a base unit, and an attaching and detaching unit that connects circuits of the display unit and the base unit. The display unit includes an authentication-information acquiring unit that acquires, in a state in which the display unit is detached from the base unit, identity authentication information of a customer and an authentication-information storing unit that stores the acquired identity authentication information.
    Type: Grant
    Filed: July 20, 2009
    Date of Patent: October 30, 2012
    Assignee: Toshiba Tec Kabushiki Kaisha
    Inventor: Hiroyuki Ueda
  • Patent number: 8294919
    Abstract: A document processor receives a document to be processed and captures data from the document. The document processor includes a plurality of processing devices and conveys documents past the plurality of processing devices to allow the processing devices to perform operations on the documents. A programmable endorser prints an endorsement on a document as the document is processed. The programmable endorser includes a plurality of character segments in the form of various shapes such that the endorsement is printed by building characters from the character segments.
    Type: Grant
    Filed: December 31, 2008
    Date of Patent: October 23, 2012
    Assignee: Burroughs Payment Systems, Inc.
    Inventors: Johan P. Bakker, J. Michael Spall
  • Patent number: 8290237
    Abstract: To deposit a negotiable instrument electronically, a digital image may be used. Systems and methods are described herein that facilitate the use of a digital camera to provide the digital image. A user may capture an image of a negotiable instrument to create a digital image. The digital image may be compressed and saved as a digital image file. The user may then transmit the digital image file to a financial institution, such as a bank, to deposit funds drawn from the account of the negotiable instrument into the user's account. A financial institution may receive digital image files created by a digital camera from account holders and process a deposit request using the digital image file.
    Type: Grant
    Filed: October 31, 2007
    Date of Patent: October 16, 2012
    Assignee: United Services Automobile Association (USAA)
    Inventors: Rickey Dale Burks, Charles Lee Oakes, III, Randy Ray Morlen, Bharat Prasad, Michael Frank Morris, Xia Hua
  • Patent number: 8280143
    Abstract: A system and method for adding check information to an electronic transaction listing whereby a paper check, or copy of a paper check, is scanned into a computing system and converted to an electronic image of the paper check. One or more areas of the image of the paper check are identified and the image of the paper check is sub-divided into image sub-sections based on the content displayed in a given area/sub-section. One or more image sub-sections are copied from the electronic image of the paper check and then added to a check based financial transaction listing in a financial transaction list.
    Type: Grant
    Filed: November 12, 2008
    Date of Patent: October 2, 2012
    Assignee: Intuit Inc.
    Inventors: Michael S. Klieman, Muhammet Serdar Akin
  • Patent number: 8276810
    Abstract: Method, apparatus and system for setting up withdrawal change orders online or at a cash handling device for immediately retrieval and/or future retrievals of paper cash and coin. The change order may include specific requested denominations of paper cash and/or coins. The change order may also include a specific location that the user wishes to retrieve the cash at. Upon authentication of the user at the requested cash handling device within the time-frame specified, the user may receive the change order requested automatically.
    Type: Grant
    Filed: January 7, 2009
    Date of Patent: October 2, 2012
    Assignee: Bank of America Corporation
    Inventors: Kevin Cole, Wanda P. Wick
  • Patent number: 8279503
    Abstract: A sheet media reading control method includes conveying a sheet medium on which magnetic ink characters are printed through a transportation path, reading the magnetic ink characters and an image of the sheet medium using a magnetic head and an image sensor head positioned along the transportation path, extracting partial scanned image data containing at least an outside edge part of the sheet medium from the scanned image data captured by the image sensor head, executing a skew evaluation based on the partial scanned image data to detect if the sheet medium is conveyed skewed at a skew angle exceeding an allowable skew angle, and invalidating at least the magnetic ink character data captured by the magnetic head from sheet media that are determined by the skew evaluation to be skewed.
    Type: Grant
    Filed: July 15, 2009
    Date of Patent: October 2, 2012
    Assignee: Seiko Epson Corporation
    Inventors: Atsushi Natsuno, Tomoaki Kimura
  • Publication number: 20120243056
    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: Application
    Filed: February 21, 2012
    Publication date: September 27, 2012
    Inventors: Takayuki YAMAGUCHI, Ryosuke Minami
  • Publication number: 20120226600
    Abstract: A computerized document bearer authentication system operative in conjunction with a document bearer verifying functionality operative to check at least one aspect of a document bearing individual, the system comprising a computerized document authenticator operative to ascertain that a presented computerized document is valid including reading data from the computerized document and using a processor to find, within the data, validation information useful in ascertaining that the presented computerized document is valid; and a document bearer verifying functionality initiator operative to initiate operation of the document bearer verifying functionality including finding, within the data, bearer verification information useful in checking the at least one aspect and providing the verification information to the document bearer verifying functionality.
    Type: Application
    Filed: November 10, 2010
    Publication date: September 6, 2012
    Applicant: AU10TIX LIMITED
    Inventor: Guy Dolev
  • Publication number: 20120224763
    Abstract: A method and system are disclosed for identifying in real time duplicate financial documents processed by a financial institution or check clearinghouse. A collection of hash values representative of previously processed financial documents are maintained in a memory, such as a GPU memory. When a new financial document enters the financial institution or check clearinghouse for processing, one or more features of the financial document are captured. A hash value is generated from the one or more features of the financial document. A search is performed in the collection of hash values for a matching hash value. If a match is found, a potential fraudulent event or operational error may be indicated. If a match is not found, the hash value representative of the new financial document is added to the collection of hash values.
    Type: Application
    Filed: May 14, 2012
    Publication date: September 6, 2012
    Applicant: SYMCOR INC.
    Inventors: John Wall, Paul van den Ende, Brian Salway, John Loeser, Edward Jose Mamede, Felix Chih-Han Wu, Marius Dan Stroe
  • Patent number: 8259350
    Abstract: A print defect management device that supports job-specific print defect management automatically assesses print job pages to determine the severity of image quality defects likely to occur on one or more selected printers. Views of identified troubled pages may be rendered to include approximations of color and image quality defects based on the original page image data, and each printer's color rendition data and defect data, thereby allowing troubled pages for one or more selected printers to be viewed prior to printing. Suggested changes may be automatically or manually applied. Once satisfied with the image quality of print job pages rendered for a specific printer, a user may submit the print job to the same printer, thereby assuring that the user's image quality expectations are met in the printed product. The device may support job-specific print defect management with both local and/or remote printers via LAN, WAN and/or Internet based connectivity.
    Type: Grant
    Filed: January 13, 2009
    Date of Patent: September 4, 2012
    Assignee: Xerox Corporation
    Inventors: Wencheng Wu, Edul N. Dalal, D. Rene Rasmussen
  • Patent number: 8254658
    Abstract: Methods, apparatuses, systems, and tangible computer readable media for processing note payables for fraud by searching an image file of a note payable for information in multiple zones on the image file and comparing the obtained information to corresponding information in the issue file that is associated with the note payable. The note payable may be a check and searching of the image file may be done by optical character recognition. However, a user may wish to search an image file of a note payable in multiple zones for desired information.
    Type: Grant
    Filed: August 3, 2007
    Date of Patent: August 28, 2012
    Assignee: Bank of America Corporation
    Inventor: Jarrett I. Hamilton
  • Patent number: RE44274
    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: March 14, 2012
    Date of Patent: June 11, 2013
    Assignee: Lighthouse Consulting Group, LLC
    Inventors: Robert P. Popadic, John R. Popadic, Thomas E. Gazda, Stuart J. Lipoff