Reading Bank Checks (e.g., Documents Bearing E-13b Type Characters) Patents (Class 382/137)
  • Patent number: 8249328
    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: December 9, 2008
    Date of Patent: August 21, 2012
    Assignee: International Business Machines Corporation
    Inventor: Timothy W. Crockett
  • Patent number: 8238638
    Abstract: Efficiently assessing the quality of an electronic check image by determining whether the check image is suitable for image quality analysis prior to performing the image quality analysis. A check processing module of a check processor can determine whether the check image is suitable for image quality analysis by validating certain tags in the image. For example, such validation can include determining whether the check image includes certain mandatory tags and whether any optional tags present in the image are valid. The check processing module can determine that the check image is not suitable for image quality analysis if it does not include the mandatory tags or if it includes any invalid optional tags. The check processing module can assign a failure value to any check image that is not suitable for image quality analysis. The failure value can indicate a reason for the unsuitability of the check image.
    Type: Grant
    Filed: January 31, 2008
    Date of Patent: August 7, 2012
    Assignees: Federal Reserve Bank of Kansas City, Federal Reserve Bank of Richmond, Federal Reserve Bank of Cleveland, Federal Reserve Bank of Atlanta
    Inventors: Randall Lee Mueller, Thomas Edwin Schaadt, Benjamin T. Breeden, Jr., V. Srinivas Nori
  • Patent number: 8229203
    Abstract: A plurality of PCS values are determined for a document having an area of interest containing critical data and a background image. Reflectance values distributed across the document are obtained and PCS threshold values corresponding to a plurality of locations on the document are stored in memory. Respective PCS values of a plurality of target portions of the surface are determined, each respective PCS value based on a reflectance value of the corresponding target portion and a reflectance value of a corresponding region located adjacent to the target portion, each of the regions being different for each target portion, each PCS value assigned a location representative of the location of the target portion, the size of the region being greater than the size of the target portion. The stored PCS threshold values are compared with the calculated PCS values to determine the acceptability of the background image.
    Type: Grant
    Filed: October 29, 2008
    Date of Patent: July 24, 2012
    Assignee: RDM Corporation
    Inventors: Bill Faulkner, Dmitri Eidenzon
  • Publication number: 20120177281
    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: Application
    Filed: January 11, 2011
    Publication date: July 12, 2012
    Applicant: BANK OF AMERICA CORPORATION
    Inventor: David Todd Frew
  • Patent number: 8218851
    Abstract: Stored documents can be recognized and identified by evaluation of their attributes from an image file to obtain a document specification that can be compared to stored data about the document. The image file is analyzed using a processor in order to discern image attributes. The image attributes form a specification for the document in the image. This specification can then be compared to the stored criteria using the processor, and the result of the comparison can be stored. An embodiment of the invention can be used in a check processing system for a financial institution. In such a case, the corresponding data comprises MICR data and the image attributes can, for example, indicate whether the document is a check in a carrier, as opposed a paper check by itself.
    Type: Grant
    Filed: March 19, 2009
    Date of Patent: July 10, 2012
    Assignee: Bank of America Corporation
    Inventors: Kerry M Cantley, Kenneth R Cox, Theresa A Haynes, Ronald R Hollander
  • Patent number: 8213050
    Abstract: An image processing device, which includes: an original reception unit that receives an original image; a dot image generation unit that generates, on the basis of additive information to be added to the original image, a dot image in which a plurality of dots each formed by one or more pixels are arranged; a state alteration unit that, when any of the dots in the dot image is determined to be not extractable, alters a state of the non-extractable dot on the basis of a relationship between a position on the dot image generated by the dot image generation unit and a corresponding position on the original image; and a composite image generation unit that generates a composite image by superimposing, on the original image, the dot image having the state of the non-extractable dot altered by the state alteration unit.
    Type: Grant
    Filed: February 27, 2009
    Date of Patent: July 3, 2012
    Assignee: Fuji Xerox Co., Ltd.
    Inventor: Yasuhiko Iwamoto
  • Patent number: 8213717
    Abstract: A document processing apparatus includes a marking detection part that detects a marking written on the form from data read by a first reading part, an attribute name extraction part that extracts a character string described beforehand within or near a marking area of the detected marking as an attribute name, an attribute name detection part that detects the attribute name, extracted by the attribute name extraction part, stored in an attribute information memory and specifies the descriptive position of the detected attribute name from the data read by a second reading part that reads the form on which the attribute values are entered, and an attribute value extraction part that extracts the character string around the detection position of the attribute name detected from the read data, and registers the extracted character string as the attribute value of the attribute associated with the attribute name in the attribute information memory.
    Type: Grant
    Filed: August 2, 2007
    Date of Patent: July 3, 2012
    Assignee: Fuji Xerox Co., Ltd.
    Inventors: Yuuya Konno, Masahiro Kato, Katsuhiko Itonori, Etsuko Ito
  • Patent number: 8204293
    Abstract: A document processing system comprising one or more document scanning devices that extract information from document images that uniquely identify a document. The system further comprises a central processor remotely connected to the document scanning devices. The central processor is configured to receive the document images and the extracted information from the document scanning devices and is further configured to execute a correction routine configured to adjust errors in the extracted information from the document image.
    Type: Grant
    Filed: March 7, 2008
    Date of Patent: June 19, 2012
    Assignee: Cummins-Allison Corp.
    Inventors: Frank M. Csulits, Matthew Anderson, John R. Blake, Curtis W. Hallowell, Robert J. Klein, Douglas U. Mennie, Gary Watts
  • Patent number: 8181870
    Abstract: A magnetic character recognition (MICR) encoding device has a treatment station that applies a chemical treatment to the blank region as the sheets pass along the sheet path that compensates for a fuser release agent that a marking station uses. If blank region was not treated, the fuser release agent might detrimentally affect the printing of the additional magnetic ink markings. In order to properly align the blank region with the treatment station, the embodiments herein include at least one read head that is positioned before the treatment station along the sheet path. A controller analyzes the signals from the read head to determine whether the magnetic ink markings are aligned with the treatment station.
    Type: Grant
    Filed: July 29, 2008
    Date of Patent: May 22, 2012
    Assignee: Xerox Corporation
    Inventor: Raphael F. Bov, Jr.
  • Patent number: 8184894
    Abstract: Apparatus and methods for providing electronic reassociation of data transmissions of checks and backup information. A method according to the invention may include scanning each check received by a lockbox service and scanning backup information related to correspondence included with each check. Thereafter, the method may include electronically associating each check with the backup information. The method may include generating a data transmission for each check and the associated backup information. Finally, the method may include storing the data transmission for each check and the associated backup information at a periodic interval. Such an interval may be determined, at least in part, by the deposit cut-off time of a financial institution.
    Type: Grant
    Filed: November 25, 2008
    Date of Patent: May 22, 2012
    Assignee: Bank of America Corporation
    Inventors: Coty T. Cherrix, Orlando O. Atienza, Robert B. Walker, Kristan C. Densmore
  • Publication number: 20120113489
    Abstract: An automated document processing system, particularly for mobile image capture and processing of financial documents to enhance images captured on a mobile device with camera capabilities for data extraction. The systems comprise a mobile device that includes a capture device configured to capture color images of documents, and that has a processor for performing certain operations, such as color reduction, and a transmitter for sending an image from the mobile device to a server. The server is configured to optimize and enhance the image, and to apply an improved binarization algorithm using a window within a relevant document field and/or a threshold for the document field. Orientation correction may also be performed at the server by reading the MICR line on a check and comparing a MICR confidence to a threshold. A check image may also be size corrected using features of the MICR line and expected document dimensions.
    Type: Application
    Filed: November 5, 2010
    Publication date: May 10, 2012
    Inventors: Graham Heit, Dhammika Botejue, Frank McGovern, Dima Shamroni
  • Patent number: 8165381
    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: October 11, 2010
    Date of Patent: April 24, 2012
    Assignee: JPMorgan Chase Bank, N.A.
    Inventors: Laura M. Ferris, Richard L. Norman, Anthony B. Gerevics
  • Patent number: 8162125
    Abstract: An input receptacle receives currency bills and checks. A transport mechanism transports the bills and checks along a transport path to an output receptacle. An image scanner, adjacent the transport path, is configured to generate one or more electrical signals from which image data can be derived. The image data is reproducible as a visually readable image of at least a portion of each of the plurality of documents. A controller is configured to determine a denomination of each of the currency bills. In response to the controller not determining a denomination of one of the currency bills, the controller flags the currency bill as a no-call document by causing at least a portion of the image data to be displayed as a visually readable image of the flagged currency bill on the display.
    Type: Grant
    Filed: April 13, 2010
    Date of Patent: April 24, 2012
    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: 8155425
    Abstract: A method of locating a check image region within a document image comprising the steps of locating a MICR region of the check and calculating the top of the check relative to the MICR region.
    Type: Grant
    Filed: August 10, 2009
    Date of Patent: April 10, 2012
    Assignee: Microsystems Technology, Inc.
    Inventor: Steven Mandel
  • Publication number: 20120082978
    Abstract: The present invention provides for a method of implementing fluorescent in situ hybridization (FISH) or other cellular analysis processes using intact cells within a microfluidic, chip-based, apparatus. The invention further provides for a method of cellular immobilization within a microfluidic device. Also provided is a method for automated analysis of FISH or other cellular analysis using discrete colormetric probes.
    Type: Application
    Filed: September 17, 2007
    Publication date: April 5, 2012
    Inventors: Linda Pilarski, Carina Debes-Marun, Patrick Pilarski, Christopher Backhouse, Vincent Sieben, Govind Kaigala
  • Publication number: 20120070062
    Abstract: Methods and systems are provided for analyzing and assessing documents using a writing profile for documents, such as a payment instrument. A method may include providing one or more documents to a computer system. In one embodiment, writing profile representations may be determined for information fields of the document. The determination may use writing from at least one of the information fields of one or more documents. Assessment may include comparing writing in the information fields of the document to writing profile representations from information fields of at least one other document.
    Type: Application
    Filed: August 16, 2011
    Publication date: March 22, 2012
    Inventors: Gilles Houle, Ronny Bakker, Johan Willem Piere Berkhuysen, Malayappan Shridhar, James G. Mason, Katerina Blinova, Babur Nugmanov
  • Patent number: 8139839
    Abstract: An apparatus for checking the authenticity of bank notes in unprotected areas, has a sensor assembly containing a light source which produces light of a first wavelength with which the bank notes to be checked are illuminated; whereupon one or more feature substances present in and/or on the bank notes produces light of a second wavelength which is detected by the sensor assembly. A control device evaluates data from the sensor assembly about the light of the second wavelength and compares them with reference data to determine the authenticity of the bank notes. The structure and operation of the sensor assembly and/or the control device permit conclusions to be drawn only with difficulty on the feature substance or substances contained in the bank notes.
    Type: Grant
    Filed: November 21, 2006
    Date of Patent: March 20, 2012
    Assignee: Giesecke & Devrient GmbH
    Inventors: Thomas Giering, Franz Müller, Wolfgang Rapf, Dieter Stein, Wolfgang Deckenbach, Walter Straub, Klaus Thierauf
  • Patent number: 8136721
    Abstract: A method for enhancing a check code line image of a captured document such as a bank check. The method includes capturing an electronic image of a document; locating a code line region within the electronic image of the document; and performing a localized video gain on the code line region.
    Type: Grant
    Filed: May 12, 2006
    Date of Patent: March 20, 2012
    Assignee: International Business Machines Corporation
    Inventors: Ravinder Prakash, Jeffrey E. Journey, Clair F. Rohe
  • Patent number: 8131087
    Abstract: A form processing program which is capable of automatically extracting keywords. When the image of a scanned form is entered, a layout recognizer extracts a readout region of the form image, a character recognizer recognizes characters within the readout region. A form logical definition database stores form logical definitions defining strings as keywords according to logical structures which are common to forms of same type. A possible string extractor extracts as possible strings combinations of recognized characters each of which satisfies defined relationships of a string. A linking unit links the possible strings according to positional relationships, and determines a combination of possible strings as keywords.
    Type: Grant
    Filed: July 8, 2008
    Date of Patent: March 6, 2012
    Assignee: Fujitsu Limited
    Inventors: Hiroaki Takebe, Katsuhito Fujimoto
  • Patent number: 8125691
    Abstract: A watermark information embedding apparatus generates a document image from electronic document data that has been input thereto, modifies the electronic document data based upon the document image and embeds information in the electronic document data. The apparatus includes a document image generator for generating a document image from the electronic document data; a document analyzer for detecting layout information of each constituent image in the generated document image; a normalization information calculation unit for calculating normalization information, which is for normalizing placement of each constituent image, based upon the detected layout information; a modification unit for modifying the electronic document data; and an embedding unit for embedding information in the modified electronic document data.
    Type: Grant
    Filed: October 1, 2008
    Date of Patent: February 28, 2012
    Assignee: Canon Kabushiki Kaisha
    Inventor: Kenichi Okihara
  • Publication number: 20120045113
    Abstract: Methods and systems for validating a negotiable instrument. One method can include obtaining an electronic image of the negotiable instrument, electronically determining a first value and a second value of the negotiable instrument based on the electronic image, and automatically validating the negotiable instrument if the first value is substantially equal to the second value.
    Type: Application
    Filed: November 3, 2011
    Publication date: February 23, 2012
    Applicant: eFunds Corporation
    Inventor: Michael R. BATES
  • Patent number: 8118216
    Abstract: A method (and system) of discovering a significant subset in a collection of documents, includes identifying a set of documents from a plurality of documents based on a likelihood that documents in the set of documents carries an instance of information that is characteristic to the documents in the set of documents.
    Type: Grant
    Filed: October 30, 2007
    Date of Patent: February 21, 2012
    Assignees: JP Morgan Chase Bank, International Business Machines Corporation
    Inventors: Robert Hoch, Tayo Ibikunle, Ehud Kamin, William A. Liberis, Tomasz J. Nowicki, Michael J. Reilly, Howard E. Sachar, Charles P. Tresser, Eugene Walach
  • Patent number: 8111435
    Abstract: A document scanning device and method of use are disclosed. The document scanning device includes a document bed and one or more document retention devices positioned along the document bed to define a document positioning surface. The document scanning device also includes a scanning module slidably attached to the document bed to pass over the document positioning surface. The document retention device retains a document in place on the document positioning surface as the scanning module slides over the document.
    Type: Grant
    Filed: June 25, 2008
    Date of Patent: February 7, 2012
    Assignee: Burroughs Payment Systems, Inc.
    Inventors: Michael J. Moore, John Gudenburr, Sammy C. Hutson
  • Publication number: 20120030117
    Abstract: Embodiments of the present invention relate to methods and apparatuses for processing an image that shows multiple deposit items, where the image was captured by a remote capture device. For example, some embodiments provide a method that includes: (a) receiving an image that shows multiple deposit items, where the image was captured by a remote capture device; (b) identifying, based at least partially on the image, deposit item information associated with the multiple deposit items; and/or (c) crediting an account based at least partially on the deposit item information.
    Type: Application
    Filed: July 29, 2010
    Publication date: February 2, 2012
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Lowell Robert Huff, Zhongmin Agarwal, David Todd Frew
  • Patent number: 8107713
    Abstract: In general, this disclosure describes techniques of reducing the possibility of an image evaluation device incorrectly identifying defects in images of documents. Some defects may be apparent in the images of both sides of a document. For instance, a tear in a document could be apparent in an image of a front side and an image of a rear side of the document. However, the image evaluation device could erroneously identify such a tear in an image of one side of the document. In this case, the tear would not be apparent in the image of the other side of the document. To reduce the possibility that the image evaluation device erroneously identifies such a defect, the image evaluation device may determine whether defects identified in the image of the front side of the document correspond to defects identified in the image of the rear side of the document.
    Type: Grant
    Filed: February 25, 2008
    Date of Patent: January 31, 2012
    Assignee: Burroughs Payment Systems, Inc.
    Inventors: Gary A. Bickell, Robert J. D'Aoust, James J. Young
  • Patent number: 8098922
    Abstract: Systems and processes for processing financial instruments include receiving a physical financial instrument, printing data on the received physical financial instrument, and capturing an image of the physical financial instrument to produce an electronic image. At least a portion of the data printed on the physical financial instrument is printed in a manner that substantially precludes reproduction in the electronic image. The electronic image is transmitted across a network, for example, to perform electronic processing, such as posting or clearing.
    Type: Grant
    Filed: January 31, 2007
    Date of Patent: January 17, 2012
    Assignee: Bank of America Corporation
    Inventor: John G. Feldman
  • Patent number: 8098391
    Abstract: An automated document processing system is disclosed. The system includes a magnetic character reader located along a path of travel of a document. The system also includes a first image scanner located after the magnetic character reader along the path of travel, the first image scanner configured to capture an image of a first side of the document. The system further includes an endorser located after the magnetic character reader along the path of travel, where the endorser is configured to print an endorsement on at least one side of the document. The system also includes a second image scanner located after the endorser along the path of travel, the second image scanner configured to capture an image of the at least one side of the document endorsed by the endorser.
    Type: Grant
    Filed: June 17, 2008
    Date of Patent: January 17, 2012
    Assignee: Burroughs Payment Systems, Inc.
    Inventors: Michael John Kiplinger, David Brian Tratar, Michael A. Saunders, Michael James Spall, Johan P. Bakker, Paul John McCarthy, Gary Benton Copenhaver
  • Patent number: 8094918
    Abstract: A system for determining a plurality of reflectance values for an item design representing a physical item having at least one area of interest on a surface of the physical item for containing critical data and a background feature positioned on the surface, the physical item suitable for positioning in a digital image recorder, the system comprising: an input module configured for receiving one or more material reflectance values of a substrate for providing said surface and design parameters for said background feature, the design parameters including a color and a color density of said background feature; a memory configured for storing a plurality of color reflectance values assigned to a corresponding plurality of selected combinations of specified design parameters; a look-up module configured for determining from the memory one or more color reflectance values having the specified design parameters matching the design parameters for said background feature; a combination module configured for combining
    Type: Grant
    Filed: October 29, 2008
    Date of Patent: January 10, 2012
    Assignee: RDM Corporation
    Inventors: Bill Faulkner, Dmitri Eidenzon
  • Patent number: 8089661
    Abstract: In a computer system in which information represented by digital data is output to plural pages of recording medium, and then information on the plural pages of recording medium is read to use digital data representing the read information, authentication information is embedded in information of a start page selected by the computer system; a page number of the start page embedded the authentication information is notified to a user; information on the plural pages of recording medium is read, wherein the start page is positioned so as to be read first; digital data read from the plural pages of recording medium is authenticated based on the authentication information embedded in the start page; and a process for the digital data read from the plural pages of recording medium is controlled in accordance with a result of the authentication.
    Type: Grant
    Filed: June 19, 2008
    Date of Patent: January 3, 2012
    Assignee: Canon Kabushiki Kaisha
    Inventor: Ryuta Mori
  • Patent number: 8086018
    Abstract: A method is provided of a bank processing a check in a check stock verification system. The method comprises receiving a check image having at least one pre-printed element, extracting the at least one pre-printed element from the check image, comparing the extracted pre-printed element with a reference pre-printed element, providing a confidence value based upon the comparison of the extracted pre-printed element with the reference pre-printed element, selecting one of a plurality of confidence threshold values based upon amount of the check, and comparing the confidence value with the selected confidence threshold value to determine if payment of the check amount is approved.
    Type: Grant
    Filed: September 5, 2007
    Date of Patent: December 27, 2011
    Assignee: NCR Corporation
    Inventor: Andrew R. Blaikie
  • Patent number: 8077961
    Abstract: The invention relates to a bank note processing machine and a method for recognizing forged bank notes. With the bank note processing machine according to the invention and the method for recognizing forged bank notes according to the invention the starting point is that the bank notes to be checked are compared with comparative data that are derived from authentic bank notes and known forgeries, additional comparative data of new types of forgeries being used and the bank notes to be checked being compared with both the comparative data and the additional comparative data for new types of forgeries, so as to determine whether a forged bank note is present.
    Type: Grant
    Filed: December 20, 2004
    Date of Patent: December 13, 2011
    Assignee: Giesecke & Devrient GmbH
    Inventors: Steffen Schmalz, Norbert Holl
  • Patent number: 8078539
    Abstract: An improved check sorting system capable of ordering cancelled checks for a plurality of accounts in a predetermined manner other than by account number is provided. Checks are ordered according to a priority value associated with the account number, and optionally check number, identified by each check. A database is utilized to store information indexed by institution and/or account number and optionally check number. The information includes a priority value. The check sorting system scans each check and reads the MICR code from each check. The institution and/or account number, and possibly check number, from each check are used as pointers to obtain the priority value for that check. The check is then sorted based on the priority value obtained from the database.
    Type: Grant
    Filed: November 17, 2003
    Date of Patent: December 13, 2011
    Assignee: Pitney Bowes Inc.
    Inventors: Robert A. Cordery, Leon A. Pintsov
  • Patent number: 8073284
    Abstract: Thresholding gray-scale images to produce bitonal images. In one example embodiment, a method for thresholding a gray-scale image to produce a bitonal image includes several acts. First, a first portion of gray-scale pixels of the gray-scale image are thresholded based on a global threshold and edge strength information. Next, a second portion of the gray-scale pixels are thresholded based on the global threshold and local pixel information. Finally, a third portion of the gray-scale pixels are thresholded based on a local threshold.
    Type: Grant
    Filed: April 3, 2008
    Date of Patent: December 6, 2011
    Assignee: Seiko Epson Corporation
    Inventor: Hui Zhou
  • Patent number: 8059881
    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: January 7, 2008
    Date of Patent: November 15, 2011
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Robert Scot Thomas, Alan W. Hecht, Jr.
  • Patent number: 8059296
    Abstract: An object of the present invention is to provide an image forming apparatus which can guarantee the originality of a document consisting of a plurality of pages. To achieve the object, an image forming apparatus of the present invention includes an extracting unit that extracts fiber information from paper media; a first storage unit that synthesizes and storing fiber information extracted from pages of a first paper medium consisting of a plurality of pages by using the extracting unit as first fiber information; a second storage unit that synthesizes and stores fiber information extracted from pages of a second paper medium consisting of a plurality of pages by using the extracting unit as second fiber information; and a comparing unit that compares the first fiber information and the second fiber information and determining whether these match each other.
    Type: Grant
    Filed: October 10, 2008
    Date of Patent: November 15, 2011
    Assignee: Canon Kabushiki Kaisha
    Inventor: Tomonori Hayashi
  • Patent number: 8045784
    Abstract: A system and method for imaging and capturing information from checks and documents contained in a lockbox remittance. A computer workstation is used to generate and print a header sheet that includes information identifying the check. The header sheet is appended to the front of the documents and the document are imaged using a scanner. Identifying information from each of the documents is used to create a data record for each document. In parallel to the scanning of the documents, the checks are scanned and images are created for each of the checks. Additionally, identifying information from each of the checks (e.g., the check number, the amount, etc.) is manually input into a database, thus creating a data record for each check.
    Type: Grant
    Filed: January 28, 2010
    Date of Patent: October 25, 2011
    Assignee: JPMorgan Chase Bank, N.A.
    Inventors: Joanne Price, Sumit Mathur, Paul Mao
  • Patent number: 8046301
    Abstract: When the deposit of a negotiable instrument, such as a check, is done electronically by using a digital image of the negotiable instrument rather than the negotiable instrument itself, during the process, at least two negotiable instruments may exist: the physical negotiable instrument and the digital image of the negotiable instrument. To change the physical negotiable instrument to a non-negotiable instrument, a bank or other financial institution may send a transmission to modify the appearance of the negotiable instrument, thus effectively “voiding” the physical negotiable instrument. The negotiable instrument may have various inks or mechanisms that facilitate the modification of the appearance through the application of a stimulus, such as heat or light. The financial institution may cause the application of the stimulus to modify the appearance of the negotiable instrument.
    Type: Grant
    Filed: October 30, 2007
    Date of Patent: October 25, 2011
    Assignee: United Services Automobile Association (USAA)
    Inventors: Arthur Quentin Smith, John Chandler Hopkins, III, Reynaldo Medina, III, Bradly Jay Billman
  • Publication number: 20110258113
    Abstract: A system for tracking currency bills comprises a currency scanning device. The scanning device includes a sensor that retrieves currency identification characteristic information of each bill processed. The currency identification characteristic information permits the unique identification of each bill processed. The system further comprises a customer identification means and means for associating each processed bill with the customer depositing the bill. Means for identifying the customer (or customer account) associated with a particular processed bill after the deposit transaction has been completed is also included in the system.
    Type: Application
    Filed: June 23, 2011
    Publication date: October 20, 2011
    Applicant: Cummins-Allison Corp.
    Inventors: John E. Jones, William J. Jones, Douglas U. Mennie, Paul A. Jones
  • Patent number: 8041099
    Abstract: A check verification system for verifying checks presented to a vendor at a vendor location, the vendor location being remotely located from a bank issuing the checks, the check verification system comprising: an input device located at the vendor location, the input device having means for collecting check information including an amount of the check and an account number; and means for communicating with the bank to verify that the account number corresponds to an account of a plurality of legitimate accounts with the bank and provide a hold upon funds in the account in the amount of the check if the account number corresponds to one of the legitimate accounts with the bank and if sufficient funds exist in the legitimate account to hold.
    Type: Grant
    Filed: January 21, 2011
    Date of Patent: October 18, 2011
    Inventor: Emad Y. Abed
  • Patent number: 8041098
    Abstract: A system for tracking currency bills comprises a currency scanning device. The scanning device includes a sensor that retrieves currency identification characteristic information of each bill processed. The currency identification characteristic information permits the unique identification of each bill processed. The system further comprises a customer identification means and means for associating each processed bill with the customer depositing the bill. Means for identifying the customer (or customer account) associated with a particular processed bill after the deposit transaction has been completed is also included in the system.
    Type: Grant
    Filed: August 19, 2009
    Date of Patent: October 18, 2011
    Assignee: Cummins-Allison Corp.
    Inventors: John E. Jones, William J. Jones, Douglas U. Mennie, Paul A. Jones
  • Publication number: 20110243394
    Abstract: A paper-sheet processing apparatus including a reading unit, a risk-level determining unit, and a check processing unit is provided. The reading unit reads, from a check, check information containing an amount of the check. The risk-level determining unit determines a risk level related to handling of the check based on a matching result between the check information read by the reading unit and a predetermined confirmation item. The check processing unit processes the check based on a processing content corresponding to the risk level determined by the risk-level determining unit.
    Type: Application
    Filed: March 31, 2010
    Publication date: October 6, 2011
    Inventors: Kenichi MATSUO, Naoto Sotani
  • Patent number: 8027504
    Abstract: A method for analyzing image identifications. An optical character recognition (OCR) identification of an image, an associated confidence value, and a photograph of the image are received. After determining that the received confidence value is below a predefined threshold, a data store is searched to find OCR identifications matching the received OCR identification. If the searching fails to find a matching OCR identification, then a manual agent males a correct identification of the image in the received photograph; otherwise a search score associated with each OCR identification is received. If no received search scores is above a predetermined threshold, then the message is sent to the manual agent for correct identification; otherwise the correct identification is determined based on the OCR identifications associated with the search scores above the predetermined threshold and the correct identification thus determined is subsequently transmitted to a billing system.
    Type: Grant
    Filed: October 15, 2007
    Date of Patent: September 27, 2011
    Assignee: International Business Machines Corporation
    Inventor: Rutger Simonsson
  • Patent number: 8023159
    Abstract: The present invention provides methods and apparatus for embedding an identifying pattern of visible speckles into the digitized image of each page of a document. A speckle is a cluster of black or white pixels. Speckles are printed as black speckles on the white paper, or conversely, as areas of missing black removed from the black text characters, called white speckles. The collective pattern of all embedded black and white speckles on a single document page is called a specklemark. A specklemark can survive contrast manipulations on photocopiers and binary rasterization done by fax scanning prior to data transmission. The random pattern of the black and white speckles visible in the digitized image of a document page can be detected automatically, and by systematically matching the detected pattern with those known to have been embedded into marked copies of a document page, a specific document copy can be identified.
    Type: Grant
    Filed: July 9, 2008
    Date of Patent: September 20, 2011
    Assignee: International Business Machines Corporation
    Inventors: Gordon W. Braudaway, Frederick C. Mintzer
  • Patent number: 8023716
    Abstract: A tool may be provided that may allow a first party (e.g., a sending bank) to synchronize its image scan settings with unknown image assessment standards of a second party (e.g., a recipient bank). However, such a tool may be used within a single party that performs both scanning and image assessment, and is not limited for use between two or more parties.
    Type: Grant
    Filed: October 26, 2007
    Date of Patent: September 20, 2011
    Assignee: Bank of America Corporation
    Inventors: Margaret A. Davis, Mark A. Redline
  • Publication number: 20110211746
    Abstract: Methods, computer readable media, and apparatuses for processing financial documents are presented. Image data associated with a first financial document, such as a check to be deposited, may be received. A first multivariate vector may be determined based on the received image data, and the first multivariate vector may include a plurality of vector components. Each vector component may represent a distance from an edge of the first financial document to a feature of the first financial document, and each vector component may be a ratio of distances. The determined first multivariate vector may be compared with a second multivariate vector associated with a second financial document. Based on the comparing, a confidence score for the first financial document may be determined. A transaction involving the first financial document may be authorized in response to the confidence score exceeding a threshold.
    Type: Application
    Filed: February 26, 2010
    Publication date: September 1, 2011
    Applicant: BANK OF AMERICA CORPORATION
    Inventor: Sylvan Tran
  • Publication number: 20110206267
    Abstract: A document processing system comprises 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 image scanner and the discrimination unit. The image scanner obtains an image of the documents, obtains an image of a selected area of the documents, and obtains information contained in the selected area of the document. The discrimination unit determines the authenticity of the document. A system controller directs the flows of documents over the transport mechanism.
    Type: Application
    Filed: January 27, 2011
    Publication date: August 25, 2011
    Applicant: Cummins-Allison Corp.
    Inventors: John E. Jones, Paul A. Jones, William J. Jones, Ronald M. Gafron, Douglas U. Mennie
  • Patent number: 8001051
    Abstract: When the deposit of a negotiable instrument, such as a check, is done electronically by using a digital image of the negotiable instrument rather than the negotiable instrument itself, during the process, at least two negotiable instruments may exist: the physical negotiable instrument and the digital image of the negotiable instrument. To change the physical negotiable instrument to a non-negotiable instrument, a bank or other financial institution may send a transmission to modify the appearance of the negotiable instrument, thus effectively “voiding” the physical negotiable instrument. The negotiable instrument may have various inks or mechanisms that facilitate the modification of the appearance through the application of a stimulus, such as heat or light. The financial institution may cause the application of the stimulus to modify the appearance of the negotiable instrument.
    Type: Grant
    Filed: October 30, 2007
    Date of Patent: August 16, 2011
    Assignee: United Services Automobile Association (USAA)
    Inventors: Arthur Quentin Smith, John Chandler Hopkins, III, Reynaldo Medina, III, Bradly Jay Billman
  • Patent number: 8000514
    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 30, 2008
    Date of Patent: August 16, 2011
    Assignee: Mitek Systems, Inc.
    Inventors: Grigori Nepomniachtchi, James DeBello
  • Publication number: 20110194750
    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: April 20, 2011
    Publication date: August 11, 2011
    Applicant: MITEK SYSTEMS
    Inventor: Grigori Nepomniachtchi
  • Patent number: 7996315
    Abstract: When the deposit of a negotiable instrument, such as a check, is done electronically by using a digital image of the negotiable instrument rather than the negotiable instrument itself, during the process, at least two negotiable instruments may exist: the physical negotiable instrument and the digital image of the negotiable instrument. To change the physical negotiable instrument to a non-negotiable instrument, a bank or other financial institution may send a transmission to modify the appearance of the negotiable instrument, thus effectively “voiding” the physical negotiable instrument. The negotiable instrument may have various inks or mechanisms that facilitate the modification of the appearance through the application of a stimulus, such as heat or light. The financial institution may cause the application of the stimulus to modify the appearance of the negotiable instrument.
    Type: Grant
    Filed: October 30, 2007
    Date of Patent: August 9, 2011
    Assignee: United Services Automobile Association (USAA)
    Inventors: Arthur Quentin Smith, John Chandler Hopkins, III, Reynaldo Medina, III, Bradly Jay Billman