Reading Micr Data Patents (Class 382/139)
  • Patent number: 10115259
    Abstract: A method and apparatus are disclosed for determining if an item of media is invalid. The method includes providing an ultrasound image of an item of media, determining a plurality of regions of the image that satisfy a pre-determined condition and determining that an item of media is invalid if the location of said regions satisfies a pre-determined condition.
    Type: Grant
    Filed: June 15, 2012
    Date of Patent: October 30, 2018
    Assignee: NCR Corporation
    Inventors: Susan Carreon, David Norris
  • Patent number: 10115114
    Abstract: Systems and methods for secure distribution of electronic coupons involve a mobile device receiving an electronic coupon and displaying a degraded image of the electronic coupon. A non-degraded image of the electronic coupon is displayed by the mobile device when an attempt to capture the electronic coupon is detected.
    Type: Grant
    Filed: April 30, 2014
    Date of Patent: October 30, 2018
    Assignee: THE MEYERS PRINTING COMPANIES, INC.
    Inventor: David G. Dillon
  • Patent number: 9916596
    Abstract: Embodiments of system are disclosed in which selection strategies for a direct marketing campaign that identify consumers from a credit bureau or other consumer database can be planned, tested, and/or refined on a stable subset of the credit database. In some embodiments, once refined, consumer selection criteria may be used to execute the direct marketing campaign on the full consumer/credit database, which is preferably updated approximately twice weekly. In one preferred embodiment, the data for the test database represents a random sampling of approximately 10% of the full database and the sampling is regenerated approximately weekly in order to provide a stable set of data on which campaign developers may test their campaign. For each consumer in the sampling, the environment may allow a client to access and use both attributes calculated by the credit bureau and proprietary attributes and data owned by the client.
    Type: Grant
    Filed: November 18, 2016
    Date of Patent: March 13, 2018
    Assignee: Experian Information Solutions, Inc.
    Inventors: Laura J. DeSoto, Michele M. Pearson, Kristi Ann Adkinson, Venkat R. Achanta, Felicia Peng
  • Patent number: 9508092
    Abstract: Embodiments of system are disclosed in which selection strategies for a direct marketing campaign that identify consumers from a credit bureau or other consumer database can be planned, tested, and/or refined on a stable subset of the credit database. In some embodiments, once refined, consumer selection criteria may be used to execute the direct marketing campaign on the full consumer/credit database, which is preferably updated approximately twice weekly. In one preferred embodiment, the data for the test database represents a random sampling of approximately 10% of the full database and the sampling is regenerated approximately weekly in order to provide a stable set of data on which campaign developers may test their campaign. For each consumer in the sampling, the environment may allow a client to access and use both attributes calculated by the credit bureau and proprietary attributes and data owned by the client.
    Type: Grant
    Filed: November 26, 2013
    Date of Patent: November 29, 2016
    Assignee: EXPERIAN INFORMATION SOLUTIONS, INC.
    Inventors: Laura J. DeSoto, Michele M. Pearson, Kristi Ann Adkinson, Venkat R. Achanta, Felicia Peng
  • Patent number: 9471815
    Abstract: The illustrative embodiments provide a magnetic reader assembly, a magnetic reader subassembly, a computer implemented method, and a computer program product for diagnosing a magnetic reader subassembly. A processor generates a test signal during a diagnostic period. The processor then receives a return signal from the magnetic reader subassembly. The processor then compares the test signal and the return signal and diagnoses an operational status of the magnetic reader subassembly in response to the comparison of the test signal and the return signal.
    Type: Grant
    Filed: March 4, 2015
    Date of Patent: October 18, 2016
    Assignee: International Business Machines Corporation
    Inventors: Robert Thomas Cato, Phuc Ky Do, Justin Monroe Pierce
  • Patent number: 9305415
    Abstract: A banknote management system 1 includes a banknote handling apparatus 2 having stackers for stacking banknotes, the banknote handling apparatus sorting the banknotes based on sorting conditions set for the respective stackers, and sequentially stacking the sorted banknotes in the stackers corresponding to the sorting conditions; and a banknote management apparatus 3 managing the banknote handling apparatus. The system includes a DB registration specifying unit 32B specifying a stacker 11 a DB registration necessity of which is specified among the stackers; a banknote detailed information creating unit 37B creating banknote detailed information for recognizing a banknote that is stacked in the stacker a DB registration of which is set to be necessary; and a DB control unit 37D registering the banknote detailed information in a database 33. The system can minimize a memory capacity of the database and a volume of banknote detailed information to be registered in the database.
    Type: Grant
    Filed: September 22, 2008
    Date of Patent: April 5, 2016
    Assignee: GLORY LTD.
    Inventors: Gui Fu, Hajime Morino
  • Patent number: 9262682
    Abstract: Embodiments herein provide computer-implemented techniques for allowing a user computing device to extract financial card information using optical character recognition (“OCR”). Extracting financial card information may be improved by applying various classifiers and other transformations to the image data. For example, applying a linear classifier to the image to determine digit locations before applying the OCR algorithm allows the user computing device to use less processing capacity to extract accurate card data. The OCR application may train a classifier to use the wear patterns of a card to improve OCR algorithm performance. The OCR application may apply a linear classifier and then a nonlinear classifier to improve the performance and the accuracy of the OCR algorithm. The OCR application uses the known digit patterns used by typical credit and debit cards to improve the accuracy of the OCR algorithm.
    Type: Grant
    Filed: March 11, 2015
    Date of Patent: February 16, 2016
    Assignee: GOOGLE INC.
    Inventors: Sanjiv Kumar, Henry Allan Rowley, Xiaohang Wang, Jose Jeronimo Moreira Rodrigues
  • Patent number: 9129175
    Abstract: The character recognition unit 80 detects a first peak P1 in acquired signal waveform data, extracts character waveform data in the area of one magnetic ink character 101 in a MICR line 100 based on the position of the first peak P1, and acquires a recognition string by applying a magnetic recognition process to the character waveform data and recognizing the magnetic ink characters 101. When the first peak P1 in the character waveform data of a target character located at an end of the recognition string is within a specific range from an end of the character waveform data and a space is beside the target character, and when a space is on both sides of the target character in the recognition string, the character recognition unit 80 determines if the target character is noise.
    Type: Grant
    Filed: June 6, 2013
    Date of Patent: September 8, 2015
    Assignee: Seiko Epson Corporation
    Inventor: Yoshiaki Kinoshita
  • Patent number: 9124811
    Abstract: An apparatus and method for processing an image by a wide dynamic range (WDR) process, and for obtaining an image having a wide dynamic area by using a WDR process. The method includes: receiving a long exposure image and a short exposure image having different exposure times; detecting a motion artifact area that may be occur when the long exposure image and the short exposure image are fused; generating a non-linear gain control short exposure image by non-linearly adjusting a gain of the short exposure image such that a luminance component of the short exposure image corresponds to a luminance component of the long exposure image; compensating for motion in the non-linear gain control exposure image based on the detected motion artifact area; and fusing the non-linear gain control short exposure image and the long exposure image to output an image to which a WDR process is performed.
    Type: Grant
    Filed: July 5, 2013
    Date of Patent: September 1, 2015
    Assignee: SAMSUNG TECHWIN CO., LTD.
    Inventor: Chang-Min Lee
  • Patent number: 9111168
    Abstract: A method and a system for resolution conversion of Magnetic Ink Character Recognition (MICR) content in an image are provided. The method is implemented in a computer system comprising one or more processors configured to execute one or more computer program modules. The method includes receiving image data of the image, the image data having a plurality of image planes in which one plane is a MICR image plane, wherein the plurality of image planes have essentially the same resolution; and converting the resolution of the MICR image plane to a resolution of a MICR print engine different from the remaining image planes.
    Type: Grant
    Filed: October 4, 2012
    Date of Patent: August 18, 2015
    Assignee: XEROX CORPORATION
    Inventor: Mark A. Smith
  • Patent number: 9070037
    Abstract: Disclosed are a magnetic ink character recognition method, apparatus and system. The method includes: reading a magnetic signal of a magnetic ink character on a medium to be recognized; acquiring the amplitude characteristic data of the magnetic ink character according to the magnetic signal thereof; and performing spectral angle cosine match processing on the amplitude characteristic data of the magnetic ink character to obtain the recognition result of the magnetic ink character. The present method can reduce the stability requirements on the magnetic signal and improve the recognition rate of the magnetic signal.
    Type: Grant
    Filed: April 27, 2011
    Date of Patent: June 30, 2015
    Assignee: Shandong New Beiyang Information Technology Co., Ltd.
    Inventors: Peng Tao, Qiangzi Cong, Chuntao Wang, Tianxin Jiang, Yueqi Xing
  • Patent number: 9047530
    Abstract: The recognition rate is improved and recognition errors suppressed when recognizing magnetic ink characters. The character recognition unit 80 of a check reader 1 recognizes a magnetic ink character 101 by performing magnetic recognition based on comparing reference waveform data with character waveform data acquired by reading the magnetic ink character 101 with a magnetic head 54, and optical recognition based on comparing reference image data with image data acquired by reading the magnetic ink character 101 with a front contact image sensor 52; selects a plurality of candidates for the magnetic ink character 101 by magnetic recognition; and when plural candidates are characters with mutually similar character waveform data, determines that the one plural candidate character that matches the character recognized by optical recognition with reliability exceeding a specific threshold is the magnetic ink character 101.
    Type: Grant
    Filed: July 10, 2013
    Date of Patent: June 2, 2015
    Assignee: SEIKO EPSON CORPORATION
    Inventors: Yoshiaki Kinoshita, Atsushi Natsuno
  • Patent number: 9042633
    Abstract: The recognition rate is improved while suppressing the processing time. The character recognition unit 80 of a check reader 1 uses two sets of reference waveform data, data for printing method 1 and data for printing method 2, in combination with modifying the reference waveform data in two ways, sliding the reference waveform data or scaling the reference waveform data according to variation in the line width of the magnetic ink character 101, to execute four candidate selection processes. If the same character is selected as a candidate by the first three of the four selection process combinations, the remaining one of the four processes is limited to using the reference waveform data for the selected candidate character.
    Type: Grant
    Filed: July 10, 2013
    Date of Patent: May 26, 2015
    Assignee: SEIKO EPSON CORPORATION
    Inventor: Yoshiaki Kinoshita
  • Patent number: 9031309
    Abstract: The recognition rate is improved and recognition errors are suppressed when recognizing magnetic ink characters. A character recognition unit calculates a total difference by calculating the total of the differences between the character waveform data and the reference waveform data for each magnetic ink character within the area of one character; calculates a partial difference by summing the differences between character waveform data and reference waveform data in a target area, which is the area corresponding to a stroke that is 2 mesh or more wide in the area of one character; executing a correction process that reduces the value of the partial difference; and recognizing the candidate character as the magnetic ink character that was read when the total difference after the correction process is less than or equal to a threshold value.
    Type: Grant
    Filed: June 12, 2013
    Date of Patent: May 12, 2015
    Assignee: Seiko Epson Corporation
    Inventor: Yoshiaki Kinoshita
  • Patent number: 8995741
    Abstract: Embodiments herein provide computer-implemented techniques for allowing a user computing device to extract financial card information using optical character recognition (“OCR”). Extracting financial card information may be improved by applying various classifiers and other transformations to the image data. For example, applying a linear classifier to the image to determine digit locations before applying the OCR algorithm allows the user computing device to use less processing capacity to extract accurate card data. The OCR application may train a classifier to use the wear patterns of a card to improve OCR algorithm performance. The OCR application may apply a linear classifier and then a nonlinear classifier to improve the performance and the accuracy of the OCR algorithm. The OCR application uses the known digit patterns used by typical credit and debit cards to improve the accuracy of the OCR algorithm.
    Type: Grant
    Filed: August 15, 2014
    Date of Patent: March 31, 2015
    Assignee: Google Inc.
    Inventors: Sanjiv Kumar, Henry Allan Rowley, Xiaohang Wang, Jose Jeronimo Moreira Rodrigues
  • Patent number: 8996476
    Abstract: Apparatus, methods and media for correcting a defective check processing datum. The apparatus may include, and the methods and media may involve, a receiver that is configured to receive from memory a first transaction record. The transaction record may include Magnetic Ink Character Recognition (MICR) line data. The MICR line data may be electronically read from a check. The transaction record may include non-MICR data. The non-MICR data may be electronically read from the check. The apparatus may include, and the methods and media may involve, a processor that is configured to identify a defective datum among the MICR line data. The processor may identify a portion of the non-MICR data that corresponds to the defective datum. The processor may store in memory a second transaction record. The second transaction record may include corrected data that includes an element that is derived from the identified portion of the non-MICR data.
    Type: Grant
    Filed: August 20, 2012
    Date of Patent: March 31, 2015
    Assignee: Bank of America Corporation
    Inventors: Geoffrey R. Williams, Timmy L. Gauvin, Kerry M. Cantley, Deborah N. Bennett, Eric S. Sandoz, II, James F. Barrett, II, Joshua A. Beaudry
  • Patent number: 8983170
    Abstract: Systems and methods are provided for assessing whether mobile deposit processing engines meet specified standards for mobile deposit of financial documents. A mobile deposit processing engine (MDE) is evaluated to determine if it can perform technical capabilities for improving the quality of and extracting content from an image of a financial document. A verification process then begins, where the MDE performs the image quality enhancements and text extraction steps on sets of images from a test deck. The results of the processing of the test deck are then evaluated by comparing confidence levels with thresholds to determine if each set of images should be accepted or rejected. Further analysis determines whether any of the sets of images were falsely accepted or rejected in error. An overall error rate is then compared with minimum accuracy criteria, and if the criteria are met, the MDE meets the standard for mobile deposit.
    Type: Grant
    Filed: March 15, 2013
    Date of Patent: March 17, 2015
    Assignee: Mitek Systems, Inc.
    Inventors: Grigori Nepomniachtchi, Mike Strange
  • Patent number: 8953867
    Abstract: A recording device and a control method for a recording device improve the accuracy of reading MICR information while also shortening the time required for recording media processing. A dot impact printer 10 has a magnetic head 34 that magnetically reads MICR information recorded on a recording medium S, a recording head 18 that is mounted on a different carriage than the magnetic head 34 and records images on the recording medium S, and a back scanner 112 that optically reads MICR information recorded on the recording medium S, disposed sequentially to the transportation path P of the recording medium S. When reading the MICR information by means of the magnetic head 34 does not succeed, the recording medium S is conveyed to the back scanner 112, the MICR information is read by the back scanner 112, the reading results are compared, and the MICR information is identified.
    Type: Grant
    Filed: May 1, 2013
    Date of Patent: February 10, 2015
    Assignee: Seiko Epson Corporation
    Inventors: Toshihiro Imae, Masashi Fujikawa, Yoshiaki Kinoshita, Morimichi Mizuno
  • Patent number: 8944234
    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: March 11, 2013
    Date of Patent: February 3, 2015
    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
  • Publication number: 20150023582
    Abstract: A method and a system for resolution conversion of textual content or Magnetic Ink Character Recognition (MICR) content in an image are provided. The method includes receiving image data of the image, the image data having a plurality of image planes having essentially the same resolution, wherein at least one of the plurality of image planes includes textual image data configured to be rendered by a print engine with an output resolution different from the remaining image planes; processing the at least one of the plurality of image planes to identify one or more characters contained therein and to obtain character encoding data and positional information for the one or more identified characters; and processing the obtained character encoding data and the obtained positional information to generate an output data at the output resolution for the at least one of the plurality of image planes.
    Type: Application
    Filed: July 22, 2013
    Publication date: January 22, 2015
    Applicant: XEROX CORPORATION
    Inventors: Mark Andrew Smith, Gregory Scott Widener
  • Publication number: 20150016707
    Abstract: This disclosure describes systems, methods, and computer-readable media related to employing adaptive multi-feature semantic location sensing methods to estimate the semantic location of a mobile device. An image of a transaction document may be captured. The captured image to a processing server for processing magnetic ink character recognition (MICR) information from the captured image of the transaction document may be transmitted. A processing result of processing the MICR information from the captured image of the transaction document may be received. The processing result of the MICR information with the captured image of the transaction document may be compared. In response to the comparison, the MICR information to a payment verification server may be submitted for verification.
    Type: Application
    Filed: July 11, 2014
    Publication date: January 15, 2015
    Inventors: Charles R. Williams, JR., Mollie Hellige, Corey Sze-Suen Chao
  • Publication number: 20150003719
    Abstract: Embodiments herein provide computer-implemented techniques for allowing a user computing device to extract financial card information using optical character recognition (“OCR”). Extracting financial card information may be improved by applying various classifiers and other transformations to the image data. For example, applying a linear classifier to the image to determine digit locations before applying the OCR algorithm allows the user computing device to use less processing capacity to extract accurate card data. The OCR application may train a classifier to use the wear patterns of a card to improve OCR algorithm performance. The OCR application may apply a linear classifier and then a nonlinear classifier to improve the performance and the accuracy of the OCR algorithm. The OCR application uses the known digit patterns used by typical credit and debit cards to improve the accuracy of the OCR algorithm.
    Type: Application
    Filed: August 15, 2014
    Publication date: January 1, 2015
    Inventors: Sanjiv Kumar, Henry Allan Rowley, Xiaohang Wang, Jose Jeronimo Moreira Rodrigues
  • Patent number: 8897538
    Abstract: The present invention relates to the automated processing of documents and, more specifically, to methods and systems for aligning, capturing and processing document images using mobile and desktop devices. In accordance with various embodiments, methods and systems for document image alignment, capture, transmission, and verification are provided such that accurate data capture is optimized. These methods and systems may comprise capturing an image on a mobile or stationary device, converting the color image into a black and white image, testing the accuracy of the image captured and transmitted, and processing the image for data extraction. Additionally, these may comprise aiding the user in capturing the image, providing geometric correction of document images, converting the image to black and white, transmitting both the images to a server, optimizing image size, analyzing images using iterative and weighting procedures, and comparing data the images to maximize data capture confidence.
    Type: Grant
    Filed: March 10, 2014
    Date of Patent: November 25, 2014
    Inventor: Christopher Edward Smith
  • Patent number: 8897516
    Abstract: A method consisting of formulating a one-to-one correspondence between locations on a three-dimensional surface of a body cavity and coordinates in a two-dimensional coordinate frame representative of the locations. The method also includes recording respective time-varying electrical potentials at the locations. The method further includes displaying a map of the two-dimensional coordinate frame, and presenting respective graphic representations of the time-varying electrical potentials at positions in the map corresponding to the coordinates of the locations.
    Type: Grant
    Filed: March 16, 2011
    Date of Patent: November 25, 2014
    Assignee: Biosense Webster (Israel) Ltd.
    Inventor: Aharon Turgeman
  • Patent number: 8831329
    Abstract: Embodiments herein provide computer-implemented techniques for allowing a user computing device to extract financial card information using optical character recognition (“OCR”). Extracting financial card information may be improved by applying various classifiers and other transformations to the image data. For example, applying a linear classifier to the image to determine digit locations before applying the OCR algorithm allows the user computing device to use less processing capacity to extract accurate card data. The OCR application may train a classifier to use the wear patterns of a card to improve OCR algorithm performance. The OCR application may apply a linear classifier and then a nonlinear classifier to improve the performance and the accuracy of the OCR algorithm. The OCR application uses the known digit patterns used by typical credit and debit cards to improve the accuracy of the OCR algorithm.
    Type: Grant
    Filed: October 21, 2013
    Date of Patent: September 9, 2014
    Assignee: Google Inc.
    Inventors: Sanjiv Kumar, Henry Allan Rowley, Xiaohang Wang, Jose Jeronimo Moreira Rodrigues
  • Patent number: 8811711
    Abstract: Embodiments of the invention are directed to methods, apparatus systems and computer program products that provide for using real-time video analysis for recognizing financial document images by capturing a real-time video stream using a mobile device, wherein the video stream features one or more financial documents, analyzing and correlating the images in the real-time video stream to the images necessary to process the financial document, providing notice to a user of additional images needed to process the financial document and communicating the information associated with the financial document to a financial institution to complete a transaction once sufficient images of the financial document have been captured to process the financial document.
    Type: Grant
    Filed: January 1, 2012
    Date of Patent: August 19, 2014
    Assignee: Bank of America Corporation
    Inventors: Matthew A. Calman, Erik Stephen Ross
  • Patent number: 8768038
    Abstract: Machine-readable storage media having instructions stored therein that, when executed by a processor of a mobile device, configure the mobile device to capture a check image for funds to be deposited into a recipient account. The mobile device configured to display a request to a user of the mobile device to provide one or more portions of a MICR line for the received check image and receive user inputs from the user specifying the one or more portions of the MICR line. The mobile device configured to transmit a message to a bank account computer system associated with the recipient account, the message including data specifying the one or more portions of the MICR line.
    Type: Grant
    Filed: June 19, 2012
    Date of Patent: July 1, 2014
    Assignee: Wells Fargo Bank, N.A.
    Inventors: David Joel Sherman, Nishant Usapkar, Katie Knight, Ranjit S. Pradhan
  • Patent number: 8761487
    Abstract: A method is provided of operating an image-based check processing system to detect a double feed condition of checks. The method comprises attempting to read a magnetic ink character recognition (MICR) codeline from front of a check item. The method also comprises electronically by a rear imaging camera, capturing image data which is representative of a rear image of the check item as the check item is transported from an upstream end of the document feed path to a downstream end of the document feed path. The method further comprises alerting an operator when information from the attempted read of a MICR codeline from front of the check item and information from the rear image of the check item meet predetermined criteria which is indicative the check item comprising two overlapping checks.
    Type: Grant
    Filed: December 15, 2011
    Date of Patent: June 24, 2014
    Assignee: NCR Corporation
    Inventor: Darryl S. O'Neill
  • Patent number: 8732081
    Abstract: Remote deposit of checks can be facilitated by a financial institution. A customer's general purpose computer and image capture device may be leveraged to capture an image of a check and deliver the image to financial institution electronics. Additional data for the transaction may be collected as necessary. The transaction can be automatically accomplished utilizing the images and data thus acquired.
    Type: Grant
    Filed: February 12, 2013
    Date of Patent: May 20, 2014
    Assignee: United Services Automobile Association (USAA)
    Inventors: Charles Lee Oakes, III, Randy Ray Morlen, Bharat Prasad, Troy Bartlette Huth
  • Patent number: 8731233
    Abstract: A system is proposed for automated document processing, comprising a document, consisting of two sections—a main section, containing data in printed character form, and a supplementary section in a machine-readable form; a document forming means; a document inputting means; a character recognition means; a main and supplementary data comparison means. Said system uses the supplementary section data to confirm the main section data. The supplementary section data can fully or partly duplicate the main section data, supplement it and also comprise other additional data. The supplementary machine-readable section can be realized in a form of coded consecutive characters, printed graphic image (bar-code), magnetic, optical, microprocessor or other kind of data storage means. For enhancing security of documents all or a part of data can be coded prior to introduction into the supplementary section.
    Type: Grant
    Filed: January 22, 2003
    Date of Patent: May 20, 2014
    Assignee: ABBYY Development LLC
    Inventors: Konstantin Anisimovich, Konstantin Zuev, Andrey Lubenets
  • Patent number: 8714336
    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 2, 2012
    Date of Patent: May 6, 2014
    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: 8681369
    Abstract: An image processing apparatus has a line memory for writing and reading image data of one line. A write/read controller controls writing and reading the image data of one line in and from the line memory. A white line determiner determines whether an image corresponding to image data of one line being written in the line memory is a white line. An image processor performs specified image processing on the image data of one line read from the line memory by the write/read controller. An image processing controller generates an operation clock used in the image processor and causes the image processor to perform the specified image processing for the image data of one line determined not to be a white line and stops generating the operation clock and reads white data from a white data storage for the image data of one line determined to be a white line.
    Type: Grant
    Filed: November 22, 2011
    Date of Patent: March 25, 2014
    Assignee: Kyocera Mita Corporation
    Inventor: Hiroshi Yokota
  • Patent number: 8660984
    Abstract: An optical image of a check is obtained at the approximate time of a check-based financial transaction and the approximate time of the check-based financial transaction is recorded. Geographical position/location data and/or voice memo data is then obtained at, or about, the time the optical image of the check is obtained. Optical Character Recognition (OCR) technology is then used to extract image-based financial transaction data from the optical image of the check and the geographical position/location data, and/or voice memo data, is also transformed into financial transaction data associated with the check and the check-based financial transaction. The extracted and/or transformed financial transaction data is then used, at least in part, to automatically assign a financial category to the check-based financial transaction and/or transform the category status of the check-based financial transaction.
    Type: Grant
    Filed: January 13, 2012
    Date of Patent: February 25, 2014
    Assignee: Intuit Inc.
    Inventors: Indraneel Bhattacharyya, David Lish, Christopher H. J. Whittam, Ryan Pfeffer
  • Patent number: 8655047
    Abstract: Systems, methods, and computer program products are provided for automating the separation of a check and a stub attached to the check in a payment receiving and processing system. For example, one embodiment of the invention involves a computerized apparatus configured to receive a document image, locate a Magnetic Ink Character Recognition (MICR) line in the document image, and capture a check image by capturing a portion of the document image based at least partially on the location of the MICR line.
    Type: Grant
    Filed: December 22, 2008
    Date of Patent: February 18, 2014
    Assignee: Bank of America Corporation
    Inventors: Robert Bradley Walker, Ellen Anne O'Hare
  • Patent number: 8639017
    Abstract: A system and method for detecting duplicate checks during processing. The duplicate detection may be performed by a financial institution, such as a bank. The method may be implemented on a computer based system. The duplicate detection method may be automated. The method may be applied to incoming check files prior to processing of the check data to prevent processing of duplicate checks. The system and method may use a function, such as a hash function, to perform the duplicate detection. Other functions, such as a Bloom filter which may use multiple hash functions, may be used to perform the duplicate detection.
    Type: Grant
    Filed: September 14, 2012
    Date of Patent: January 28, 2014
    Assignee: JPMorgan Chase Bank, N.A.
    Inventor: Milton M. Anderson
  • Patent number: 8636214
    Abstract: Systems and methods for recognition of encoded information on documents are disclosed. According to an aspect, a system includes a document reader configured to read encoded information from a document, and to output an electrical signal representative of the encoded information. The system also includes signal conditioning modules that are each configured to receive the electrical signal, and to condition the received electrical signal differently for outputting a plurality of conditioned electrical signals. Further, the system includes an information recognition module configured to analyze each of the conditioned electrical signals and to select one of the conditioned electrical signals for use in recognizing the encoded information.
    Type: Grant
    Filed: October 25, 2011
    Date of Patent: January 28, 2014
    Assignee: International Business Machines Corporation
    Inventors: Tuyen Bui, Sharon C. Freedman, Dean F. Herring, Duane S. Miller
  • Publication number: 20140023262
    Abstract: The recognition rate is improved while suppressing the processing time. The character recognition unit 80 of a check reader 1 uses two sets of reference waveform data, data for printing method 1 and data for printing method 2, in combination with modifying the reference waveform data in two ways, sliding the reference waveform data or scaling the reference waveform data according to variation in the line width of the magnetic ink character 101, to execute four candidate selection processes. If the same character is selected as a candidate by the first three of the four selection process combinations, the remaining one of the four processes is limited to using the reference waveform data for the selected candidate character.
    Type: Application
    Filed: July 10, 2013
    Publication date: January 23, 2014
    Inventor: Yoshiaki KINOSHITA
  • Publication number: 20140010434
    Abstract: The recognition rate is improved and recognition errors are suppressed when recognizing magnetic ink characters. When the magnetic ink character 101 one character before the target character to which a magnetic recognition process is applied is not recognized, the character recognition unit 80 of a check reader 1 detects a different peak in a specific range before and after the position of the peak detected as the first peak of the one preceding magnetic ink character 101 in the signal waveform data, extracts character waveform data for the one preceding magnetic ink character 101 from the signal waveform data based on the position of the detected different peak, and applies the magnetic recognition process to the extracted character waveform data.
    Type: Application
    Filed: July 2, 2013
    Publication date: January 9, 2014
    Inventor: Yoshiaki KINOSHITA
  • Patent number: 8625877
    Abstract: A method is provided of operating an image-based check processing system to detect a double feed condition of carrier envelopes. An example method includes attempting to read a magnetic ink character recognition (MICR) codeline from a first predefined area of an image of a document item, determining if the document item is a carrier envelope, concluding that the document item is not a double-fed item when a determination is made that the document item is a carrier envelope, and concluding that the document item is potentially a double-fed item when a determination is made that the document item is not a carrier envelope.
    Type: Grant
    Filed: December 15, 2011
    Date of Patent: January 7, 2014
    Assignee: NCR Corporation
    Inventors: Darryl S. O'Neill, Michael Ancell
  • Patent number: 8620057
    Abstract: Systems for processing digital check image files include an image classification module programmed to review a plurality of attributes associated with a digital check image file including at least one check image, and to categorize the digital check image file into at least one category of a plurality of categories, and a decision module programmed to decide how to process the digital check image file based on the category.
    Type: Grant
    Filed: September 27, 2011
    Date of Patent: December 31, 2013
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Robert Scot Thomas, Alan W. Hecht, Jr.
  • Patent number: 8615124
    Abstract: A system for determining a plurality of PCS values for a document image representing a document having at least one area of interest on a surface of the physical item for containing critical data and a background image positioned on the surface, the document suitable for positioning in a digital image recorder, the system determines from the memory a plurality of PCS threshold values having specified surface locations matching the assigned locations of the calculated PCS values and compares the PCS threshold values with the calculated PCS values to determine whether the target portions satisfy their respective PCS threshold values; wherein the degree of target portions that satisfy their PCS threshold value is indicative of the acceptability of the design of the background image when processed by the digital image recorder.
    Type: Grant
    Filed: April 12, 2012
    Date of Patent: December 24, 2013
    Assignee: RDM Corporation
    Inventors: Bill Faulkner, Dmitri Eidenzon
  • Publication number: 20130336570
    Abstract: The recognition rate is improved when recognizing magnetic ink characters. The character recognition unit of a check reader scales and adjusts the waveform of the reference waveform data for each magnetic ink character referenced to a scaling point set in each character, recognizes the read magnetic ink character based on the difference between the reference waveform data after adjustment and the character waveform data, and when there are three peaks exceeding a specific level in the reference waveform data, sets two scaling points F1, F2 in the waveform of the reference waveform data and scales the waveform of the reference waveform data referenced to the two scaling points F1, F2.
    Type: Application
    Filed: June 14, 2013
    Publication date: December 19, 2013
    Inventor: Yoshiaki Kinoshita
  • Publication number: 20130336569
    Abstract: The recognition rate is improved and recognition errors are suppressed when recognizing magnetic ink characters. A character recognition unit 80 calculates the difference between the reference waveform data of each character in a character set and the character waveform data of a read magnetic ink character 101, and defines the characters with the smallest differences to the read character as first and second candidate characters. If scaling the reference waveforms of the first and second candidate characters creates waveforms that are similar with a smaller difference therebetween than before scaling, and the ratio between the difference B between the waveform of the second candidate and the read character, and the difference A between the waveform of the first candidate and the read character, is greater than or equal to a specific value, the character recognition unit scales and adjusts the reference waveforms to recognize the magnetic ink character 101.
    Type: Application
    Filed: June 14, 2013
    Publication date: December 19, 2013
    Inventor: Yoshiaki Kinoshita
  • Patent number: 8611635
    Abstract: Images from checks may be compared with each other to detect a twice-deposited or represented check. An image of a check may be parsed into regions or tiles, for example. In an implementation, values for regions or tiles over a predetermined area (e.g., an area from a character in the magnetic ink character recognition (MICR) line at the bottom of the check to the dollar sign symbol) may be compared. In an implementation, a virtual overlay of two check images may be performed and a correlation may be determined.
    Type: Grant
    Filed: December 20, 2012
    Date of Patent: December 17, 2013
    Assignee: United Services Automobile Association (USAA)
    Inventor: Reynaldo Medina, III
  • Publication number: 20130329983
    Abstract: The character recognition unit 80 detects a first peak P1 in acquired signal waveform data, extracts character waveform data in the area of one magnetic ink character 101 in a MICR line 100 based on the position of the first peak P1, and acquires a recognition string by applying a magnetic recognition process to the character waveform data and recognizing the magnetic ink characters 101. When the first peak P1 in the character waveform data of a target character located at an end of the recognition string is within a specific range from an end of the character waveform data and a space is beside the target character, and when a space is on both sides of the target character in the recognition string, the character recognition unit 80 determines if the target character is noise.
    Type: Application
    Filed: June 6, 2013
    Publication date: December 12, 2013
    Inventor: Yoshiaki Kinoshita
  • Publication number: 20130329984
    Abstract: The recognition rate is improved and recognition errors are suppressed when recognizing magnetic ink characters. A character recognition unit calculates a total difference by calculating the total of the differences between the character waveform data and the reference waveform data for each magnetic ink character within the area of one character; calculates a partial difference by summing the differences between character waveform data and reference waveform data in a target area, which is the area corresponding to a stroke that is 2 mesh or more wide in the area of one character; executing a correction process that reduces the value of the partial difference; and recognizing the candidate character as the magnetic ink character that was read when the total difference after the correction process is less than or equal to a threshold value.
    Type: Application
    Filed: June 12, 2013
    Publication date: December 12, 2013
    Inventor: Yoshiaki Kinoshita
  • Publication number: 20130322732
    Abstract: A self-service check cashing system and method which performs preliminary tests on a check to reduce queue length at attendant check cashing stations. An example method includes obtaining an amount of a check from a customer by the self-service terminal, obtaining information from an image of a check by the self-service terminal, performing a plurality of tests by the self-service terminal, including tests using the information from the image to determine whether the check was properly completed; and displaying instructions to the customer by the self-service terminal to go to an attendant terminal to complete a second phase of the check cashing transaction when the self-service terminal determines that the test results were positive.
    Type: Application
    Filed: August 9, 2012
    Publication date: December 5, 2013
    Applicant: NCR CORPORATION
    Inventors: John C. Goodwin, Harris Roth
  • Publication number: 20130322731
    Abstract: A system for making commercial transactions through a paper document includes: a device (3) for reading and scanning the paper document containing information useful for a commercial transaction, the reading and scanning device (3) having an IP address; a user device (5); an interface (7), in particular a connection, between the reading and scanning device (3) and the user device (5), wherein the reading and scanning device (3) includes a software interface adapted to exchange data and/or the information with the user device (5) through the interface (7) and via the HTTP protocol.
    Type: Application
    Filed: June 5, 2012
    Publication date: December 5, 2013
    Applicant: PANINI S.P.A.
    Inventors: Marco Fassiotto, Mirko Zanotel
  • Patent number: 8573591
    Abstract: An optical reader is provided. A transport section is capable of transporting a medium which is a reading target in forward and backward directions along a transport path. An optical reading section is installed in the transporting path. The optical reading section optically reads the medium which is transported by the transport section. A control section sets a transport direction of the medium at the time of reading of the medium on the basis of a position of the medium before or when the reading of the medium is started and a reading position of the optical reading section such that a transport distance of the medium until the reading of the medium is completed is shortened, and controls the transport section and the optical reading section.
    Type: Grant
    Filed: January 13, 2011
    Date of Patent: November 5, 2013
    Assignee: Seiko Epson Corporation
    Inventor: Hiroyuki Motoyama
  • Publication number: 20130287284
    Abstract: Systems and methods are provided for processing an image of a financial payment document captured using a mobile device and classifying the type of payment document in order to extract the content therein. These methods may be implemented on a mobile device or a central server, and can be used to identify content on the payment document and determine whether the payment document is ready to be processed by a business or financial institution. The system can identify the type of payment document by identifying features on the payment document and performing a series of steps to determine probabilities that the payment document belongs to a specific document type. The identification steps are arranged starting with the fastest step in order to attempt to quickly determine the payment document type without requiring lengthy, extensive analysis.
    Type: Application
    Filed: March 15, 2013
    Publication date: October 31, 2013
    Inventors: Grigori Nepomniachtchi, Vitali Kliatskine, Nikolay Kotovich