Reading Bank Checks (e.g., Documents Bearing E-13b Type Characters) Patents (Class 382/137)
-
Patent number: 8077961Abstract: 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: GrantFiled: December 20, 2004Date of Patent: December 13, 2011Assignee: Giesecke & Devrient GmbHInventors: Steffen Schmalz, Norbert Holl
-
Patent number: 8078539Abstract: 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: GrantFiled: November 17, 2003Date of Patent: December 13, 2011Assignee: Pitney Bowes Inc.Inventors: Robert A. Cordery, Leon A. Pintsov
-
Patent number: 8073284Abstract: 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: GrantFiled: April 3, 2008Date of Patent: December 6, 2011Assignee: Seiko Epson CorporationInventor: Hui Zhou
-
Patent number: 8059881Abstract: 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: GrantFiled: January 7, 2008Date of Patent: November 15, 2011Assignee: Wells Fargo Bank, N.A.Inventors: Robert Scot Thomas, Alan W. Hecht, Jr.
-
Patent number: 8059296Abstract: 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: GrantFiled: October 10, 2008Date of Patent: November 15, 2011Assignee: Canon Kabushiki KaishaInventor: Tomonori Hayashi
-
Patent number: 8046301Abstract: 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: GrantFiled: October 30, 2007Date of Patent: October 25, 2011Assignee: United Services Automobile Association (USAA)Inventors: Arthur Quentin Smith, John Chandler Hopkins, III, Reynaldo Medina, III, Bradly Jay Billman
-
Patent number: 8045784Abstract: 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: GrantFiled: January 28, 2010Date of Patent: October 25, 2011Assignee: JPMorgan Chase Bank, N.A.Inventors: Joanne Price, Sumit Mathur, Paul Mao
-
Publication number: 20110258113Abstract: 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: ApplicationFiled: June 23, 2011Publication date: October 20, 2011Applicant: Cummins-Allison Corp.Inventors: John E. Jones, William J. Jones, Douglas U. Mennie, Paul A. Jones
-
Patent number: 8041099Abstract: 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: GrantFiled: January 21, 2011Date of Patent: October 18, 2011Inventor: Emad Y. Abed
-
Patent number: 8041098Abstract: 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: GrantFiled: August 19, 2009Date of Patent: October 18, 2011Assignee: Cummins-Allison Corp.Inventors: John E. Jones, William J. Jones, Douglas U. Mennie, Paul A. Jones
-
Publication number: 20110243394Abstract: 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: ApplicationFiled: March 31, 2010Publication date: October 6, 2011Inventors: Kenichi MATSUO, Naoto Sotani
-
Patent number: 8027504Abstract: 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: GrantFiled: October 15, 2007Date of Patent: September 27, 2011Assignee: International Business Machines CorporationInventor: Rutger Simonsson
-
Patent number: 8023159Abstract: 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: GrantFiled: July 9, 2008Date of Patent: September 20, 2011Assignee: International Business Machines CorporationInventors: Gordon W. Braudaway, Frederick C. Mintzer
-
Patent number: 8023716Abstract: 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: GrantFiled: October 26, 2007Date of Patent: September 20, 2011Assignee: Bank of America CorporationInventors: Margaret A. Davis, Mark A. Redline
-
Publication number: 20110211746Abstract: 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: ApplicationFiled: February 26, 2010Publication date: September 1, 2011Applicant: BANK OF AMERICA CORPORATIONInventor: Sylvan Tran
-
Publication number: 20110206267Abstract: 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: ApplicationFiled: January 27, 2011Publication date: August 25, 2011Applicant: Cummins-Allison Corp.Inventors: John E. Jones, Paul A. Jones, William J. Jones, Ronald M. Gafron, Douglas U. Mennie
-
Patent number: 8001051Abstract: 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: GrantFiled: October 30, 2007Date of Patent: August 16, 2011Assignee: United Services Automobile Association (USAA)Inventors: Arthur Quentin Smith, John Chandler Hopkins, III, Reynaldo Medina, III, Bradly Jay Billman
-
Patent number: 8000514Abstract: 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: GrantFiled: December 30, 2008Date of Patent: August 16, 2011Assignee: Mitek Systems, Inc.Inventors: Grigori Nepomniachtchi, James DeBello
-
Publication number: 20110194750Abstract: 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: ApplicationFiled: April 20, 2011Publication date: August 11, 2011Applicant: MITEK SYSTEMSInventor: Grigori Nepomniachtchi
-
Patent number: 7996315Abstract: 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: GrantFiled: October 30, 2007Date of Patent: August 9, 2011Assignee: United Services Automobile Association (USAA)Inventors: Arthur Quentin Smith, John Chandler Hopkins, III, Reynaldo Medina, III, Bradly Jay Billman
-
Patent number: 7996316Abstract: 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: GrantFiled: October 30, 2007Date of Patent: August 9, 2011Assignee: United Services Automobile AssociationInventors: Arthur Quentin Smith, John Chandler Hopkins, III, Reynaldo Medina, III, Bradly Jay Billman
-
Patent number: 7996314Abstract: 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: GrantFiled: October 30, 2007Date of Patent: August 9, 2011Assignee: United Services Automobile Association (USAA)Inventors: Arthur Quentin Smith, John Chandler Hopkins, III, Reynaldo Medina, III, Bradly Jay Billman
-
Publication number: 20110188729Abstract: 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: ApplicationFiled: August 5, 2010Publication date: August 4, 2011Inventor: Matthew Strong
-
Patent number: 7991197Abstract: The class of a sheet is efficiently estimated and a pattern identification process which is robust to a variation in the medium can be performed by dividing an image pattern of the sheet into a plurality of areas (pixels or sets of pixels), weighting and selecting the areas, attaining the identification results for the respective areas and determining the identification result of the whole portion based on a logical combination of the identification results. Particularly, since the area weighting and selecting process is performed based on a difference between the classes and a variation in the class, the calculation amount can be reduced and the identification performance which is higher than that of a method which uniformly processes the whole portion of the pattern can be attained.Type: GrantFiled: August 8, 2006Date of Patent: August 2, 2011Assignee: Kabushiki Kaisha ToshibaInventor: Naotake Natori
-
Patent number: 7983468Abstract: A method (and system) for extracting information from a document, includes segregating a set of documents from a plurality of documents based on a likelihood that at least one document in the set of documents carries an instance of a preset information.Type: GrantFiled: February 9, 2005Date of Patent: July 19, 2011Assignees: JP Morgan Chase Bank, International Business Machines CorporationInventors: Tayo Ibikunle, Ehud Karnin, William A. Liberis, Tomasz J. Nowicki, Michael J. Reilly, Howard E. Sachar, Charles P. Tresser, Eugene Walach, David A. Weeshoff
-
Patent number: 7978365Abstract: A document type discriminating apparatus is provided in which discrimination as to whether or not a document is a duplicate is made with high degree of accuracy. The document type discriminating apparatus includes means for discriminating whether a type of a screen pattern used in an image captured by reading a document is a line screen, means for detecting whether a value indicating a change in a period of the screen used in the image exceeds a predetermined value, means for detecting whether a value indicating sharpness of an edge seen in the image is lower than a predetermined value, means for detecting whether a value indicating a blur in an edge color seen in the image exceeds a predetermined value, and means for discriminating that the document is a duplicate when at least two out of the four detection results mentioned above are true.Type: GrantFiled: May 23, 2003Date of Patent: July 12, 2011Assignee: Minolta Co., Ltd.Inventor: Takayuki Nabeshima
-
Patent number: 7978900Abstract: 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; submitting 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: GrantFiled: December 30, 2008Date of Patent: July 12, 2011Assignee: Mitek Systems, Inc.Inventors: Grigori Nepomniachtchi, James DeBello
-
Publication number: 20110164805Abstract: Systems and methods for detecting an optically variable material are provided. According to an illustrative embodiment, a method for detecting an optically variable material includes capturing a first image of at least a portion of a document while the at least a portion of the document is subjected to a first electromagnetic radiation from a first angle of incidence, and capturing a second image of at least a portion of the document while the at least a portion of the document is subjected to a second electromagnetic radiation from a second angle of incidence. The first angle of incidence is different from the second angle of incidence. The first and second images are captured by an imaging device that has substantially fixed position. The method also includes comparing the first image to the second image to determine whether an optically variable material is present on the document.Type: ApplicationFiled: January 4, 2011Publication date: July 7, 2011Applicant: DE LA RUE NORTH AMERICA INC.Inventors: Ronald Bruce Blair, Alexander Parkov
-
Patent number: 7974899Abstract: A user may generate a digital image of a negotiable instrument such as a check. The digital image may be transmitted to an institution in a digital image file for deposit of the check. After the user selects to submit the digital image file, the digital image file may be sent from a user computing device to the institution. The user computing device may be decoupled from the transaction once the submission of the digital image file for deposit of the check is made. The transaction is thereafter managed by the institution. Incomplete transactions are avoided by moving the transaction processing to the server side at the institution after the user submits the digital image file. This may be referred to as an atomic deposit transaction.Type: GrantFiled: September 30, 2008Date of Patent: July 5, 2011Assignee: United Services Automobile Association (USAA)Inventors: Bharat Prasad, Jeffrey N. Pollack
-
Patent number: 7962411Abstract: A user may generate a digital image of a negotiable instrument such as a check. The digital image may be transmitted to an institution in a digital image file for deposit of the check. After the user selects to submit the digital image file, the digital image file may be sent from a user computing device to the institution. The user computing device may be decoupled from the transaction once the submission of the digital image file for deposit of the check is made. The transaction is thereafter managed by the institution. Incomplete transactions are avoided by moving the transaction processing to the server side at the institution after the user submits the digital image file. This may be referred to as an atomic deposit transaction.Type: GrantFiled: September 30, 2008Date of Patent: June 14, 2011Assignee: United Services Automobile Association (USAA)Inventors: Bharat Prasad, Jeffrey N. Pollack
-
Patent number: 7957576Abstract: Data representing a sheet of document is obtained. Then, an area where it is possible to obtain a paper fingerprint from the obtained data representing the sheet of document is determined, and a paper fingerprint intensity of the sheet of document is calculated based on a number of areas of one or more paper fingerprint obtaining patterns allocated in the area where it is possible to obtain a paper fingerprint. Furthermore, a result of the calculation is reported to a user.Type: GrantFiled: August 3, 2007Date of Patent: June 7, 2011Assignee: Canon Kabubshiki KaishaInventor: Hideyuki Kitani
-
Patent number: 7957577Abstract: A method is provided of a financial institution presenting an image of a bank document in a check truncation environment. The method comprises determining security permission level associated with a person to be presented with the image of the bank document, determining type of the bank document, locating a first sensitive area associated with the bank document, and presenting on a screen of a monitor the image of the bank document with the first sensitive area in the image being selectively blanked out based upon the security permission level associated with the person to be presented with the image of the bank document.Type: GrantFiled: July 13, 2007Date of Patent: June 7, 2011Assignee: NCR CorporationInventor: Andrew R. Blaikie
-
Publication number: 20110129139Abstract: A paper sheet recognition apparatus, a paper sheet management apparatus, and paper sheet recognition method for performing recognition process for the paper sheets such as banknotes, checks, bills and exchange coupons, wherein image data of the paper sheets are acquired, and identification data that is printed on the paper sheets to identify the paper sheets uniquely are extracted in accordance with the acquired image data, while managing the identification information extracted correspondingly to the registration numbers marked on the paper sheets and the acquired image data, thereby allowing to precisely identify whether or not the paper sheets are judged to be legitimate bills by the paper sheets recognition apparatus.Type: ApplicationFiled: August 8, 2008Publication date: June 2, 2011Inventors: Toshio Numata, Shoji Tomiya, Gui Fu, Hajime Morino
-
Patent number: 7950698Abstract: 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: GrantFiled: October 16, 2006Date of Patent: May 31, 2011Assignee: Lighthouse Consulting Group, LLCInventors: Robert P. Popadic, John R. Popadic, Thomas E. Gazda, Stuart J. Lipoff
-
Patent number: 7952775Abstract: A gray scale image cleaning algorithm for improved check code line OCR. An image processing system for processing a gray scale image is provided that includes: a system for generating a first thresholded black white image from the gray scale image; a system for generating a second thresholded black white image from the gray scale image, wherein the second thresholded black white image is generated with a higher threshold value than the first thresholded black white image; and a system for logically combining the first and second thresholded black white images to generate a composite image.Type: GrantFiled: January 9, 2009Date of Patent: May 31, 2011Assignee: International Business Machines CorporationInventors: Ravinder Prakash, Robert W. Kruppa, Rodney G. Moon, Madhura Sathe
-
Patent number: 7953268Abstract: 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: GrantFiled: December 30, 2008Date of Patent: May 31, 2011Assignee: Mitek Systems, Inc.Inventor: Grigori Nepomniachtchi
-
Patent number: 7949175Abstract: A method is disclosed for detection of miniature security mark configurations within documents and images, wherein the miniature security marks are in the form of dispersed miniature security marks and may include data marks or a combination of data marks and anchor marks. The method includes sub-sampling a received image, which is a digital representation possible recipient(s) of the miniature security marks, to generate a reduced-resolution image of the received image. Maximum/minimum points detection is performed and the maximum/minimum points are grouped into one or more clusters according to location distances between the maximum/minimum points. Group configuration is checked to match the clusters with a pre-defined template configuration. Dot parameter verification is then performed to verify mark location and configuration between the received image and a pre-defined template dot specification.Type: GrantFiled: January 23, 2007Date of Patent: May 24, 2011Assignee: Xerox CorporationInventor: Zhigang Fan
-
Patent number: 7949176Abstract: 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: GrantFiled: December 30, 2008Date of Patent: May 24, 2011Assignee: Mitek Systems, Inc.Inventor: Grigori Nepomniachtchi
-
Patent number: 7949587Abstract: An image of a negotiable instrument may be communicated from a user to a financial institution using a messaging application so that funds associated with the negotiable instrument may be deposited into a user's bank account. A user may launch an instant messaging application and establish a communications session with a predetermined account at the financial institution to communicate the image. The image may be stored in a file or created by a capture device under control of the instant messaging application. The image file may be processed and verified by the financial institution, where it may be deposited in an account associated with the user.Type: GrantFiled: October 24, 2008Date of Patent: May 24, 2011Assignee: United States Automobile Association (USAA)Inventors: Michael Frank Morris, Bharat Prasad, Reynaldo Medina, III
-
Patent number: 7949177Abstract: A manually operated document scanner and methods of operation and use are disclosed. The document scanner includes a document bed having a document positioning surface. The document scanner also includes a scanner module slidably attached to the document bed. The scanner module has a magnetic character reader, a first magnet placed along a leading edge of the magnetic character reader in a first direction of travel of the scanner module, and a second magnet placed along a leading edge of the magnetic character reader in a second direction of travel of the scanner module opposite to the first direction of travel.Type: GrantFiled: December 5, 2007Date of Patent: May 24, 2011Assignee: Burroughs Payment Systems, Inc.Inventors: John C. Gudenburr, Michael J. Moore, William L. Kozlowski
-
Patent number: 7945084Abstract: An improved method for accurately and correctly encoding and printing complete checks on blank paper sheets from graphic check images. The method includes inputting into a computer a graphic image of a check. Scanning the graphic image, in computer memory, and identifying the MICR character codes with their locations. Printing said MICR codes with magnetic ink in MICR fonts in a designated “clear band”. Reformatting the scanned graphic image with the MICR images deleted and printing the reformatted graphic image above the “clear band” to provide a negotiable check instrument.Type: GrantFiled: March 3, 2010Date of Patent: May 17, 2011Assignee: Bank of America, National AssociationInventor: Jerome Simonoff
-
Patent number: 7940979Abstract: A method includes receiving a request for a first check image and a second check image. The request includes a first identifier associated with the first check image and a second identifier associated with the second check image. The method further includes retrieving the first check image using the first identifier. The method also includes retrieving the second check image using the second identifier. The method further includes transmitting the first check image and the second check image in response to the request.Type: GrantFiled: September 28, 2007Date of Patent: May 10, 2011Assignee: Bank of America CorporationInventors: James Ronca, Garrett C. Briggs
-
Patent number: 7941378Abstract: A method for detection of fraudulent postage indicia such as a stamp or permit marking includes an initial step of introducing a mail piece for processing on an automated facing and canceling machine and imaging the mail piece as it is being processed on the automated facing and canceling machine, which image includes an image of the postage indicia. The image is analyzed according to predetermined criteria stored in a database to determine if the postage indicia meets the predetermined criteria and therefore has an enhanced probability of being valid. If the analysis is step results in a determination that the postage indicia as an enhanced probability of being invalid, then the method involved determining that the information corresponds to counterfeit postage indicia; and storing the resulting information and decision in the database.Type: GrantFiled: May 15, 2009Date of Patent: May 10, 2011Assignee: Siemens Industry, Inc.Inventors: Michael D. Carpenter, John J. Mampe, Stanley W. Sipe
-
Patent number: 7936914Abstract: To determine authenticity of a solid body simply and precisely, a reference area of a paper sheet which is genuine is optically read from two different directions, and the image is registered as a reference image. A check area of a paper sheet subjected to the authenticity determination, including the reference area and having a size larger than the reference area, is read from two different directions with a scanner, and data on a partial area having the same size as the reference area are extracted from each set of check data collected by the reading. For a set consisting of the reference image and the check image optically read from the same direction, the value of the correlation with the reference image is repetitively calculated by the normalized correlation method while the partial area is shifted within the check area. The maximum correlation value and the normalized score of the maximum correlation value are compared with respective thresholds to determine the authenticity of the paper sheet.Type: GrantFiled: August 10, 2005Date of Patent: May 3, 2011Assignee: Fuji Xerox Co., Ltd.Inventors: Tadashi Shimizu, Tetsuya Kimura
-
Publication number: 20110099094Abstract: Methods, systems, apparatuses and/or computer program products are directed to outgoing returns processing. The outgoing returns processing includes receiving outgoing returns data files, where the outgoing returns data files may be of a plurality of different file formats and received from a plurality of different channels. The outgoing returns processing further includes converting the outgoing returns data files to a platform file format and retrieving image files based on the outgoing returns data files. The outgoing returns are then settled.Type: ApplicationFiled: October 26, 2009Publication date: April 28, 2011Applicant: BANK OF AMERICA CORPORATIONInventors: L. Edward Shaw, Patricia Anne Sullivan Fleming, Martin T. Mulligan, Marcus Eugene McGinnis, Karl R. Johnson, Thomas D. Thibault
-
Publication number: 20110091092Abstract: 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: ApplicationFiled: October 15, 2010Publication date: April 21, 2011Applicant: MITEK SYSTEMSInventors: Grigori Nepomniachtchi, James DeBello, Josh Roach
-
Patent number: 7930292Abstract: An information processing apparatus for management of document images. In input document image data, when an area from which index information is to be extracted is designated, an index item for the designated area is set. Then, index extraction information where information specifying the designated area is linked with information indicating the set index item is generated. The generated index extraction information is combined with the document image data.Type: GrantFiled: January 24, 2006Date of Patent: April 19, 2011Assignee: Canon Kabushiki KaishaInventor: Satoru Nakajima
-
Patent number: 7929749Abstract: A currency processing system data storage arrangement is provided for a currency processing system, which includes a first controller, a communication interface, and a sensor or sensors arranged to output to the first controller raw data associated with a sensed characteristic of processed currency bills. A data storage medium defines a database for storing the raw data, and/or derivative data corresponding to statistical data associated with the raw data, received from the first controller through the communication interface. The data storage medium is accessible by the first controller and/or a second controller through the communication interface and/or another communication interface.Type: GrantFiled: September 25, 2006Date of Patent: April 19, 2011Assignee: Cummins-Allison Corp.Inventors: William J. Jones, Robert J. Klein, Curtis W. Hallowell, Charles P. Jenrick
-
Patent number: 7912272Abstract: A currency genuineness detection system using plurality of opto-electronic sensors with both transmission and reflective (including fluorescence) properties of security documents is developed. Both detection sensing strategies utilize integrated response of the wide optical band sensed under UV visible along with optional near infra red light illumination. A security document is examined under static condition. A window signal signature is thus possible from photodetectors responses for various kinds of documents of different denominations, kinds and country of origin. A programmable technique for checking the genuineness of a security document is possible by feeding a unique code of the currency under examination.Type: GrantFiled: December 28, 2009Date of Patent: March 22, 2011Assignee: Council of Scientific & Industrial ResearchInventors: Murli Manohar Joshi, Ram Prakash Bajpai, Gautam Mitra, Harish Kumar Sardana, Hari Narayan Bhargaw, Saroj Batra
-
Patent number: 7909244Abstract: A method of operating an image-based self-service check depositing terminal having an optical character recognition (OCR) reader comprises the steps of (a) receiving from a self-service depositor a check to be deposited, (b) illuminating the check with infrared radiation, (c) capturing a first image of the check while the check is illuminated with infrared radiation, (d) processing the first check image to provide an enhanced image of the check, and (e) applying OCR techniques to read a magnetic ink character recognition (MICR) codeline from the enhanced check image.Type: GrantFiled: December 20, 2007Date of Patent: March 22, 2011Assignee: NCR CorporationInventors: David W. Norris, John S. Grabowski, Bruce A. Reid, Steven D. Williamson