Reading Bank Checks (e.g., Documents Bearing E-13b Type Characters) Patents (Class 382/137)
  • Patent number: 11943406
    Abstract: A method for printing defect detection includes processing and analyzing a difference image obtained by comparing an image scanned with a verifier to a reference image. The detected defects are grouped, and the grouping is refined. Confidence level values are then assigned to the refined groups, and analysis is performed to determine if one or more servicing actions should be taken.
    Type: Grant
    Filed: December 23, 2022
    Date of Patent: March 26, 2024
    Assignee: Hand Held Products, Inc.
    Inventors: Sebastien d'Armancourt, Thomas Axel Jonas Celinder, H Sprague Ackley, Glenn David Aspenns
  • Patent number: 11915310
    Abstract: The APPARATUSES, METHODS AND SYSTEMS FOR A VIDEO REMOTE DEPOSIT CAPTURE PLATFORM (hereinafter “RDC-Video”) provides a platform for remote deposit by obtaining images of a check from streaming video captured by a video camera, wherein the RDC-Video transforms captured check images and/or entered check deposit information inputs via RDC-Video components into deposit confirmation outputs. For example, in one embodiment, a user may employ a personal computer connected to a web camera, and/or a smartphone with a built-in camera to initiate the remote deposit by holding a check in front of the camera, and the RDC-Video may capture images of the check and send them to a financial institution for deposit processing.
    Type: Grant
    Filed: June 16, 2021
    Date of Patent: February 27, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Teddy Voutour, Bharat Prasad
  • Patent number: 11907957
    Abstract: A computerized method verifies an issued check. The method verifies that the first check information matches second check information. The first and second checking information includes first and second routing numbers, first and second account numbers, first and second check numbers, and first and second dollar amounts associated with an issued check and received check, respectively. The method sends to a computer system of a payee financial institution in response to verifying the first check information matches the second check information, a verification message indicating that the first check information matches the second check information. The method also receives an indicator from the payer financial institution after the issued check has cleared in the payer financial institution; and informs the payee financial institution after the issued check has cleared.
    Type: Grant
    Filed: March 23, 2023
    Date of Patent: February 20, 2024
    Inventors: Yuh-shen Song, Catherine Lew, Alexander Song, Victoria Song
  • Patent number: 11875354
    Abstract: A system includes collecting serial numbers over a period of time, and constructing a matrix indicating which digits have been used at which positions. For a second period of time, the system collects a second group of serial numbers and, for each of these serial numbers, identifies a feature of the serial number by comparing it against the matrix, and automatically updates the matrix with the digits and digit positions of the serial number. The features are received into an artificial intelligence model as training data. Further, the system collects a third group of serial numbers and, for each serial number of the third group, identifies a feature of the serial number by comparing it against the matrix. These features are then received into the artificial intelligence model, which determines a risk score. The matrix is then updated with the digits and digit positions of the serial number.
    Type: Grant
    Filed: December 14, 2021
    Date of Patent: January 16, 2024
    Assignee: ACTIMIZE LTD.
    Inventor: Uma Shankar Kulasekaran
  • Patent number: 11861922
    Abstract: A computing device for extracting target data from a source document includes: a memory storing target data extraction rules; a processor connected with the memory, the processor configured to: obtain text recognition data extracted from an image of the source document, the text recognition data indicating locations of text structures in the source document; define text lines based on the text recognition data; identify a reference string from the text recognition data; select a subset of the text lines based on a location of the reference string and the target data extraction rules; and output the subset of the text lines as the target data.
    Type: Grant
    Filed: April 17, 2020
    Date of Patent: January 2, 2024
    Assignee: Zebra Technologies Corporation
    Inventors: Dongqing Chen, Wen-Yung Chang, David S. Koch
  • Patent number: 11847877
    Abstract: A computing system for ATM deposit jammed item imaging and transaction completion is described herein and includes a processing circuit structured to receive partial transaction information related to an interrupted transaction at a transaction device, generate a code including an interrupted transaction identifier, provide the code on a display of the transaction device, authenticate a servicer device based on the code, provide the interrupted transaction identifier to the servicer device, receive a first data packet associated with the interrupted transaction from the servicer device, determine additional transaction information based on the first data packet associated with the interrupted transaction, and execute operations related to the interrupted transaction based on the additional transaction information.
    Type: Grant
    Filed: November 7, 2022
    Date of Patent: December 19, 2023
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Galen Alexander, Jonathan Baker, Jason Cain, Frank Digangi, Tom Florian, Stephen Fry
  • Patent number: 11837043
    Abstract: A banknote monitoring apparatus includes a reception section that receives information including a serial number from each of a plurality of banknote processing apparatuses processing a banknote with the serial number; and a control section that determines whether a specification of the banknote has been changed based on an identification rate of the serial number obtainable with the information received.
    Type: Grant
    Filed: March 24, 2021
    Date of Patent: December 5, 2023
    Assignee: GLORY LTD.
    Inventors: Tsuyoshi Izumida, Keisuke Nada
  • Patent number: 11805240
    Abstract: A method for modifying multimedia content captured by at least one first terminal which is capable of re-transmitting the content. The method includes identifying at least one part of the content captured by the at least one first terminal, determining, for the at least one part, at least one quality indicator and modifying the at least one part of the content depending on the at least one quality indicator.
    Type: Grant
    Filed: March 27, 2020
    Date of Patent: October 31, 2023
    Assignee: ORANGE
    Inventors: Jean Cartigny, Cedric Floury
  • Patent number: 11798304
    Abstract: An image processing apparatus that can determine reliability of rounding processing on numerical values obtained by character recognition processing. The image processing apparatus performs character recognition of a plurality of numerical values from image data, acquires a learning result indicating a rounding processing method from a storage unit that stores the learning result, and determines reliability of the character recognition on the basis of a difference between a calculation result of the plurality of numerical values and a calculation result of the plurality of numerical values in a case where the rounding processing indicated by the acquired learning result is applied.
    Type: Grant
    Filed: December 1, 2021
    Date of Patent: October 24, 2023
    Assignee: CANON KABUSHIKI KAISHA
    Inventor: Hiroki Takeishi
  • Patent number: 11781930
    Abstract: A system and method for measuring resistance over an array. The array includes at least three electrodes. Nodes at each intersection between input electrodes and output electrodes have variable resistance. A driving voltage is applied to a selected input electrode and an output current is received at a selected output electrode. A selected node is at the intersection of the two selected electrodes and includes an electrical component with a resistive property. Remaining electrodes are connected with a ground for isolating the selected node from the effects of changes in impedance of the remaining nodes. The driving voltage is converted to an output current by resistance at the selected node. The output current is converted to an output voltage with a current-to-voltage converter circuit for measuring the resistance of the electrical component. The nodes may be measured as the selected node in sequential or non-sequential patterns.
    Type: Grant
    Filed: July 28, 2022
    Date of Patent: October 10, 2023
    Assignee: ORPYX MEDICAL TECHNOLOGIES INC.
    Inventors: David Allan Viberg, Michael Todd Purdy, Travis Michael Stevens
  • Patent number: 11763272
    Abstract: Embodiments are described herein for systems and methods for authenticating tokenized and/or dynamic physical checks, and authorizing transfers of funds in response to the authentication. In particular, in certain embodiments, a method includes identifying, using at least one processor, a dynamic authentication code of a physical check. The method also includes automatically authenticating, using the at least one processor, the physical check based at least in part on the identified dynamic authentication code. The method further includes automatically authorizing, using the at least one processor, a transfer of funds in response to the authentication of the physical check.
    Type: Grant
    Filed: April 28, 2021
    Date of Patent: September 19, 2023
    Assignee: United Services Automobile Association (USAA)
    Inventors: Bradly Jay Billman, Jennifer Hunt Erickson
  • Patent number: 11763458
    Abstract: Systems for image evaluation and dynamic cropping are provided. In some examples, a system, may receive an instrument or image of an instrument. Identifying information may be extracted from the instrument or image of the instrument. Based on the extracted identifying information, a check/check image profile may be retrieved. In some examples, expected size and/or shape data may be extracted from the check/check image profile. The extracted expected size and/or shape data may be compared to size and/or shape data from the received instrument or image of the instrument to identify any anomalies (e.g., to determine whether the expected size and/or shape data matches the size and/or shape data of the received instrument or image of the instrument. If the expected size and/or shape data does not match size and/or shape data from the received instrument or image of the instrument, the instrument or image of the instrument may be programmatically modified and a modified image of the instrument may be generated.
    Type: Grant
    Filed: November 30, 2021
    Date of Patent: September 19, 2023
    Assignee: Bank of America Corporation
    Inventors: Robert E. Mills, Jr., Murali Santhanam, Kerry Kurt Simpkins, John B. Hall, Michael J. Pepe, Jr., Jasher David Fowles, Jeanne Moulton
  • Patent number: 11694499
    Abstract: A system comprising: a check image Record (CIR) database configured to store, for each of a plurality of accounts, a CIR, wherein each CIR comprises feature information related to features extracted from a plurality of reference checks associated with the associated account of the plurality of accounts; memory configured to store instructions; and a processor coupled with the CIR database and the memory, the processor configured to run the instructions, which cause the processor to: receive an image of a test check associated with an account of the plurality of accounts, extract feature information from the image, compare the features with the feature information stored in the CIR database for the account associated with the test check, generate a fraud score, and update each CIR by determining.
    Type: Grant
    Filed: June 13, 2022
    Date of Patent: July 4, 2023
    Assignee: MITEK SYSTEMS, INC.
    Inventors: Matthew S. Kriegsfeld, William T. Walker, Yuriy B. Okrugin, Michael E. Diamond
  • Patent number: 11657469
    Abstract: The present disclosure relates generally to signal encoding for printed objects. One implementation selects an embed direction based on a minimal visibility axis of a 1 JND ellipse at a certain color center. One claim recites an apparatus comprising: memory for storing chromatic contrast sensitivity data representing multiple color encoding angles; one or more multi-core processors configured for: using the stored chromatic contrast sensitivity data, generating an ellipse around a first color center; and from the ellipse, determining a signal encode direction, the signal encode direction comprising an angle ? representing a negative angle between the ‘a*’ axis in an CIELAB space and a direction of minimum sensitivity of an encoded signal, in which the angle ? comprises ?9 degrees????25 degrees. Other technology described.
    Type: Grant
    Filed: June 25, 2021
    Date of Patent: May 23, 2023
    Assignee: Digimarc Corporation
    Inventors: Alastair M. Reed, Kristyn R. Falkenstern
  • Patent number: 11610208
    Abstract: Intelligent management of authorization requests are described. A server of a payment processing service can receive an authorization request to authorize a payment instrument for a predicted cost of a transaction between a first user and a second user. The server can compare the predicted cost of the transaction with an available balance of the payment instrument and determine that the available balance is less than the predicted cost of the transaction. Based on determining that the available balance is less than the predicted cost of the transaction, the server can determine that the payment instrument is not authorized for the predicted cost of the transaction and can authorize the transaction instead of declining the transaction based at least in part on a prediction of the actual cost of the transaction.
    Type: Grant
    Filed: August 30, 2021
    Date of Patent: March 21, 2023
    Assignee: Block, Inc.
    Inventors: Christina Riechers, Michael Cormier, Zachary Margolis, Kyle Callender, Trevor Luong, Janaiah McClure
  • Patent number: 11599861
    Abstract: Systems and methods for mobile enrollment in automated clearing house (ACH) transactions using mobile-captured images of financial documents are provided. Applications running on a mobile device provide for the capture and processing of images of documents needed for enrollment in an ACH transaction, such as a blank check, remittance statement and driver's license. Data from the mobile-captured images that is needed for enrolling in ACH transactions is extracted from the processed images, such as a user's name, address, bank account number and bank routing number. The user can edit the extracted data, select the type of document that is being captured, authorize the creation of an ACH transaction and select an originator of the ACH transaction. The extracted data and originator information is transmitted to a remote server along with the user's authorization so the ACH transaction can be setup between the originator's and receiver's bank accounts.
    Type: Grant
    Filed: May 23, 2022
    Date of Patent: March 7, 2023
    Assignee: MITEK SYSTEMS, INC.
    Inventors: John J. Roach, Grisha Nepomniachtchi
  • Patent number: 11600088
    Abstract: In some implementations, a device may receive an image that depicts handwritten text. The device may determine that a section of the image includes the handwritten text. The device may analyze, using a first image processing technique, the section to identify subsections of the section that include individual words of the handwritten text. The device may reconfigure, using a second image processing technique, the subsections to create preprocessed word images associated with the individual words. The device may analyze, using a word recognition model, the preprocessed word images to generate digitized words that are associated with the preprocessed word images. The device may verify, based on a reference data structure, that the digitized words correspond to recognized words of the word recognition model. The device may generate, based on verifying the digitized words, digital text according to a sequence of the digitized words in the section.
    Type: Grant
    Filed: February 11, 2021
    Date of Patent: March 7, 2023
    Assignee: Accenture Global Solutions Limited
    Inventors: Debasmita Ghosh, Dharmendra Shivnath Prasad Chaurasia, Siddhanth Gupta, Asmita Mahajan, Nidhi, Saurav Mondal
  • Patent number: 11562594
    Abstract: Systems for profile management and control are provided. A system may receive an instrument or image of an instrument. In some examples, data may be extracted from the instrument or image of the instrument and a document profile may be retrieved based on the extracted data. Images within the document profile may be evaluated to identify a type of document for each document. In some examples, a total number of documents of each type may be determined or identified. The total number of documents may be compared to a threshold. If the total number of documents is below the threshold, the documents or images in the profile may be maintained. If the total number of documents is at or above the threshold, in some examples, each document may be further evaluated to determine or identify documents or document images for deletion. In some arrangements, the profile may be refreshed and documents or images identified for deletion may be deleted.
    Type: Grant
    Filed: October 6, 2020
    Date of Patent: January 24, 2023
    Assignee: Bank of America Corporation
    Inventors: Robert E. Mills, Jr., Murali Santhanam, Kerry Kurt Simpkins, John B. Hall, Michael J. Pepe, Jr., Jasher David Fowles, Jeanne M. Moulton
  • Patent number: 11556933
    Abstract: Circuitry acquires, when predetermined money handling is executed, stored money information including specific information of money stored in a storage before execution of the money handling and money transfer information including specific information of money transferred in execution of the money handling, determines, based on the stored money information and the money transfer information, a presence or absence of an occurrence of an abnormality related to money in the money handling apparatus and generates, in a case that it is determined that there is the presence of the occurrence of the abnormality, fraud data related to the occurrence of the abnormality.
    Type: Grant
    Filed: May 20, 2020
    Date of Patent: January 17, 2023
    Assignee: GLORY LTD.
    Inventors: Takakazu Nagai, Yoshirou Oie, Shingo Katahira
  • Patent number: 11551474
    Abstract: Detection of whether a video is a fake video derived from an original video and altered is undertaken using both image analysis and frequency domain analysis of one or more frames of the video. The analysis may be implemented using neural networks.
    Type: Grant
    Filed: October 21, 2019
    Date of Patent: January 10, 2023
    Assignee: Sony Interactive Entertainment Inc.
    Inventor: Xiaoyong Ye
  • Patent number: 11544945
    Abstract: Systems and methods are provided for processing and extracting content from an image captured using a mobile device. In one embodiment, an image is captured by a mobile device and corrected to improve the quality of the image. The corrected image is then further processed by adjusting the image, identifying the format and layout of the document, binarizing the image and extracting the content using optical character recognition (OCR). Multiple methods of image adjusting may be implemented to accurately assess features of the document, and a secondary layout identification process may be performed to ensure that the content being extracted is properly classified.
    Type: Grant
    Filed: June 8, 2020
    Date of Patent: January 3, 2023
    Assignee: MITEK SYSTEMS, INC.
    Inventors: Grigori Nepomniachtchi, Mike Strange
  • Patent number: 11539848
    Abstract: Real-time evaluation and enhancement of image quality prior to capturing an image of a document on a mobile device is provided. An image capture process is initiated on a mobile device during which a user of the mobile device prepares to capture the image of the document, utilizing hardware and software on the mobile device to measure and achieve optimal parameters for image capture. Feedback may be provided to a user of the mobile device to instruct the user on how to manually optimize certain parameters relating to image quality, such as the angle, motion and distance of the mobile device from the document. When the optimal parameters for image capture of the document are achieved, at least one image of the document is automatically captured by the mobile device.
    Type: Grant
    Filed: June 1, 2020
    Date of Patent: December 27, 2022
    Assignee: MITEK SYSTEMS, INC.
    Inventors: John J. Roach, Grigori Nepomniachtchi, Robert Couch, Oleg Rybakov, Michael Gillen, Kevin Andrew Bell
  • Patent number: 11514548
    Abstract: Implementations of the present disclosure include receiving a training image, providing a hash pattern that is representative of the training image, applying a plurality of filters to the training image to provide a respective plurality of filtered training images, identifying a filter to be associated with the hash pattern based on the plurality of filtered training images, and storing a mapping of the filter to the hash pattern within a set of mapping in a data store.
    Type: Grant
    Filed: November 11, 2019
    Date of Patent: November 29, 2022
    Assignee: United Services Automobile Association (USAA)
    Inventor: Reynaldo Medina, III
  • Patent number: 11495077
    Abstract: Systems, methods, and apparatuses for ATM deposit jammed item imaging and transaction completion are described herein. A transaction system detects, based on information provided by a sensor coupled to the transaction system, an interrupted transaction. The transaction system receives partial transaction information related to the interrupted transaction. The transaction system also receives an image associated with the interrupted transaction from a computing device. The transaction system determines additional transaction information based at least on the image. The transaction system may execute operations related to the interrupted transaction based on the additional transaction information.
    Type: Grant
    Filed: June 14, 2021
    Date of Patent: November 8, 2022
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Galen Alexander, Jonathan Baker, Jason Cain, Frank Digangi, Tom Florian, Stephen Fry
  • Patent number: 11495035
    Abstract: Provided is a notification management method of a mobile terminal including generating a screenshot image, determining a category of the screenshot image based on a text or an image included in the screenshot image, and extracting a text or an image related to the category and generating notification information using the extracted text or image. The user equipment and the AI system of this disclosure may be associated with artificial intelligence modules, drones (unmanned aerial vehicles (UAVs)), robots, augmented reality (AR) devices, virtual reality (VR) devices, and devices related to 5G services.
    Type: Grant
    Filed: September 11, 2020
    Date of Patent: November 8, 2022
    Assignee: LG ELECTRONICS INC.
    Inventors: Hyunjin Hwang, Changhee Han, Kyudae Bahn, Sanghoon Lee
  • Patent number: 11393272
    Abstract: A system comprising: a check Image Record (CIR) database configured to store, for each of a plurality of accounts, a CIR, wherein each CIR comprises feature information related to features extracted from a plurality of reference checks associated with the associated account of the plurality of accounts; memory configured to store instructions; and a processor coupled with the CIR database and the memory, the processor configured to run the instructions, which cause the processor to: receive an image of a test check associated with an account of the plurality of accounts, extract feature information from the image, compare the features with the feature information stored in the CIR database for the account associated with the test check, generate a fraud score, and update each CIR by determining.
    Type: Grant
    Filed: September 25, 2019
    Date of Patent: July 19, 2022
    Assignee: MITEK SYSTEMS, INC.
    Inventors: Matthew S. Kriegsfeld, William T. Walker, Yuriy B. Okrugin, Michael E. Diamond
  • Patent number: 11361285
    Abstract: A computerized method and system of validating a check at presentment for payment includes executing imaging software and decoding software stored in a computer memory housed in a computer, generating pixel data from the encoded indicia on the instrument, digitizing the pixel data to generate digital pixel data, storing the digital pixel data in the memory, generating a data set by decoding the digital pixel data, and transmitting the data set to a server over a network, wherein the server is configured to execute validation software to determine if the negotiable instrument has been previously presented for payment. The computer then receives a validation indicator back from said server to display on the computer.
    Type: Grant
    Filed: April 29, 2016
    Date of Patent: June 14, 2022
    Inventors: John Gardner, Edward Wyatt
  • Patent number: 11354917
    Abstract: A method for detecting images of fraudulently generated or photocopied secure credential documents using texture analysis includes receiving, by one or more processors, an image of a secure credential document from a computer device. The one or more processors segment the image of the secure credential document into multiple regions. For each region of the multiple regions, the one or more processors extract local high-resolution texture features from the image of the secure credential document. The one or more processors generate a score based on the local high-resolution texture features using a machine learning model. The score is indicative of a likelihood that the image of the secure credential document is fraudulently generated or photocopied. The one or more processors transmit a message to a display device indicating that the image of the secure credential document is fraudulently generated or photocopied.
    Type: Grant
    Filed: July 7, 2020
    Date of Patent: June 7, 2022
    Assignee: Idemia Identity & Security USA LLC
    Inventors: Brian K. Martin, Joseph R. Mayer, Alexandru Bogdan
  • Patent number: 11341469
    Abstract: Systems and methods for mobile enrollment in automated clearing house (ACH) transactions using mobile-captured images of financial documents are provided. Applications running on a mobile device provide for the capture and processing of images of documents needed for enrollment in an ACH transaction, such as a blank check, remittance statement and driver's license. Data from the mobile-captured images that is needed for enrolling in ACH transactions is extracted from the processed images, such as a user's name, address, bank account number and bank routing number. The user can edit the extracted data, select the type of document that is being captured, authorize the creation of an ACH transaction and select an originator of the ACH transaction. The extracted data and originator information is transmitted to a remote server along with the user's authorization so the ACH transaction can be setup between the originator's and receiver's bank accounts.
    Type: Grant
    Filed: November 21, 2019
    Date of Patent: May 24, 2022
    Assignee: MITEK SYSTEMS, INC.
    Inventors: John J. Roach, Grisha Nepomniachtchi
  • Patent number: 11328268
    Abstract: Disclosed is a system for authenticating checks using a mixed reality environment. The system includes a financial instrumentation central database for storing financial and identification data related to the checks, and a reality glasses coupled to the financial instrumentation central database. The reality glass includes a memory unit for storing a plurality of modules, a camera to capture the image of the check, a reality display; and a wearable processor coupled to the memory unit for processing the stored plurality of modules. The wearable processor is coupled to the financial instrumentation central database, to the camera to process captured images of the check.
    Type: Grant
    Filed: October 29, 2020
    Date of Patent: May 10, 2022
    Assignee: Bottomline Technologies Ltd.
    Inventors: Shay Bhubhut, Richard A Baker, Jr., Piyush Gupta
  • Patent number: 11295378
    Abstract: The APPARATUSES, METHODS AND SYSTEMS FOR A VIDEO REMOTE DEPOSIT CAPTURE PLATFORM (hereinafter “RDC-Video”) provides a platform for remote deposit by obtaining images of a check from streaming video captured by a video camera, wherein the RDC-Video transforms captured check images and/or entered check deposit information inputs via RDC-Video components into deposit confirmation outputs. For example, in one embodiment, a user may employ a personal computer connected to a web camera, and/or a smartphone with a built-in camera to initiate the remote deposit by holding a check in front of the camera, and the RDC-Video may capture images of the check and send them to a financial institution for deposit processing.
    Type: Grant
    Filed: December 9, 2019
    Date of Patent: April 5, 2022
    Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)
    Inventors: Teddy Voutour, Bharat Prasad
  • Patent number: 11295377
    Abstract: The AUTOMATIC REMOTE DEPOSIT IMAGE PREPARATION APPARATUSES, METHODS AND SYSTEMS (hereinafter “MultiCrop”) transforms uploaded check images and check deposit information inputs via MultiCrop components image into deposit confirmation outputs. For example, in one embodiment, a user may employ a personal computer connected to a web camera, and/or a smartphone with a built-in camera to initiate the remote deposit by holding a check in front of the camera, and the MultiCrop may capture images of the check and send them to a financial institution for deposit processing.
    Type: Grant
    Filed: December 6, 2019
    Date of Patent: April 5, 2022
    Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)
    Inventors: Seth E. Ethington, Aaron Kay, Adam S. Newman, Lawrence Z. Lu, Dylan Patterson
  • Patent number: 11244302
    Abstract: Video frames of a document are captured. The edges of the document are identified from the frames as they appear within a field of view of a camera and a document rectangle for the document is tracked within the field of view. An area of the document determined from the frames is compared against the available area of the camera preview mode and a larger superimposed guiding rectangle is displayed as a guide within the camera preview mode. When a frame for the document is detected as having document edges that substantially fit within the guiding rectangle, the guiding rectangle is removed and an optimal image of the document is captured for subsequent downstream document image processing.
    Type: Grant
    Filed: May 7, 2019
    Date of Patent: February 8, 2022
    Assignee: NCR Corporation
    Inventors: Olufisayo Adebanke Ekpenyong, Michael Gardi
  • Patent number: 11244319
    Abstract: A simulator for providing teaching and training related to negotiable instruments is disclosed. The provided simulation includes a simulated negotiable instrument. The simulator captures an image of a portion of an environment including a piece of printed collateral. The simulator then displays an augmented reality version of the environment. Displaying the augmented reality version of the environment includes detecting the printed collateral in the image, replacing the printed collateral in the image of the portion of the environment with an image of the negotiable instrument to yield an image depicting the portion of the environment as including the negotiable instrument, and presenting, the image depicting the portion of the environment as including the negotiable instrument. The simulator provides an indication of an outcome of a simulated negotiation of the negotiable instrument. Related methods and computer-readable media are disclosed.
    Type: Grant
    Filed: May 31, 2019
    Date of Patent: February 8, 2022
    Assignee: The Toronto-Dominion Bank
    Inventors: Miguel Navarro, Sadia Zaidi, Mohamed Abbas
  • Patent number: 11238686
    Abstract: Systems for item validation and image evaluation are provided. In some examples, a system may receive an instrument and associated data. The instrument may be received and at least one of a bill pay profile and a user profile may be retrieved. The bill pay profile and user profile may each include a plurality of previously processed instruments that have been determined to be valid and/or authentic. The instrument may be compared to the plurality of previously processed instruments to determine whether one or more elements of the instrument being evaluated match one or more corresponding elements of the plurality of previously processed instruments. Matching or non-matching elements may be identified. In some examples, one or more user interfaces may be generated displaying the instruments and including any highlighting or enhancements identifying matching or non-matching elements.
    Type: Grant
    Filed: October 2, 2020
    Date of Patent: February 1, 2022
    Assignee: Bank of America Corporation
    Inventors: Murali Santhanam, Michael J. Pepe, Jeanne M. Moulton, Kerry Kurt Simpkins, Jasher David Fowles, John B. Hall
  • Patent number: 11232300
    Abstract: Systems and methods for automatically verifying optical character recognition (OCR) detected text of a native electronic document having an image layer comprising a matrix of pixels and a text layer comprising a sequence of characters. The method includes determining a location of OCR-detected text in the text layer of the native electronic document based on a pixel-based coordinate location of the OCR-detected text in the image layer of the native electronic document. The method also includes applying the location of the OCR-detected text to the text layer of the native electronic document to detect text in the text layer corresponding to the OCR-detected text. The method also includes rendering only the detected text in the text layer as an output when the OCR-detected text does not match the detected text in the text layer, to improve accuracy of the output text.
    Type: Grant
    Filed: October 21, 2019
    Date of Patent: January 25, 2022
    Assignee: SUREPREP, LLC
    Inventors: David Wyle, Srinivas Lingineni, Will Hosek
  • Patent number: 11227394
    Abstract: Provided is a method for setting an edge blur according to a brightness value including a first step for providing a plurality of target sheets on each of which a reference pattern for detecting a reference line and a grid pattern for detecting an edge position are provided, and in which changes in brightness values included in the grid patterns are different from each other, a second step for capturing images of the target sheets to obtain target sheet images, a third step for analyzing a reference pattern for each corresponding target sheet to estimate the reference line, and analyzing the grid pattern to extract an edge profile provided in the grid pattern, a fourth step for calculating a gradient of a brightness difference between adjacent pixels on the basis of the edge profile, and acquiring a background edge blur parameter and a foreground edge blur parameter on the basis of the gradient according to brightness contrast present in the image, and a fifth step for generating background edge blur predicti
    Type: Grant
    Filed: October 13, 2017
    Date of Patent: January 18, 2022
    Assignee: Kyungpook National University Industry-Academic Cooperation Foundation
    Inventor: Su Young Seo
  • Patent number: 11227153
    Abstract: Systems and methods are configured to extract text from images (e.g., document images) utilizing a combination of optical character recognition processes and neural network-based analysis of various images to train a machine-learning object recognition model that is configured to identify text within images based on object-comparisons between known and unknown text within images. In certain embodiments, identified text within images may be utilized to identify corresponding regions-of-interest for extraction of image data encompassing a portion of an image that may be indexed based at least in part on text identified as corresponding to the particular region-of-interest.
    Type: Grant
    Filed: December 11, 2019
    Date of Patent: January 18, 2022
    Assignee: Optum Technology, Inc.
    Inventors: V Kishore Ayyadevara, Nilav Baran Ghosh, Yeshwanth Reddy, Vineet Shukla, Kartik Chaudhary
  • Patent number: 11222021
    Abstract: An non-transitory computer readable medium is described herein related to enhancing an SAP Archive Information System running on a SAP NetWeaver Application Server. The enhancements enable the SAP Archive Information System to query a remote relational database for archived business data. The enhancements offers multiple alternative ways of interfacing with such a database and of merging the query results obtained from such database into the SAP-standard output structures of the SAP Archive Information System.
    Type: Grant
    Filed: October 5, 2020
    Date of Patent: January 11, 2022
    Assignee: BUSINESS MOBILE AG
    Inventors: Maximilian Ralph Peter von und zu Liechtenstein, Peter Rudolf Schoenenberger
  • Patent number: 11210509
    Abstract: Systems and methods for automatic enrollment and identity verification based upon processing a captured image of a document are disclosed herein. Various embodiments enable, for example, a user to enroll in a particular service by taking a photograph of a particular document (e.g., his driver license) with a mobile device. One or more algorithms can then extract relevant data from the captured image. The extracted data (e.g., the person's name, gender, date of birth, height, weight, etc.) can then be used to automatically populate various fields of an enrollment application, thereby reducing the amount of information that the user has to manually input into his mobile device in order to complete the enrollment process. In some embodiments, a set of internal and/or external checks can be run against the data to ensure that the data is valid, has been read correctly, and is consistent with other data.
    Type: Grant
    Filed: October 6, 2020
    Date of Patent: December 28, 2021
    Assignee: MITEK SYSTEMS, INC.
    Inventors: Grigori Nepomniachtchi, James Debello, Michael Strange, Michael E. Diamond
  • Patent number: 11074443
    Abstract: A method, a device, a terminal and a storage medium for acquiring slant value of slant image are provided. The method for acquiring slant value of a slant image comprises: analyzing the slant image and acquiring coordinate information of a plurality of boundary lines of the slant image; acquiring first slant values of the boundary lines by analysing and calculating the coordinate information; acquiring a correction value; calculating difference values between the first slant values and the correction value respectively; determining the first slant value corresponding to the minimum difference value as the slant value of the slant image. The technical solution of the present disclosure can uniquely determine a slant value of slant image.
    Type: Grant
    Filed: August 30, 2017
    Date of Patent: July 27, 2021
    Assignee: PING AN TECHNOLOGY (SHENZHEN) CO., LTD.
    Inventors: Jianzong Wang, Chenyu Wang, Jin Ma, Jing Xiao
  • Patent number: 11062000
    Abstract: A method includes generating, by a computing device, a unique identifier (ID) based on copyright information associated with digital content, wherein the copyright information and the digital content are recorded on a blockchain of a blockchain network; identifying a plurality of color values associated with one or more color attributes of at least a portion of the digital content; and embedding the unique ID in the digital content by changing one or more color values of the plurality of color values to be representative of the unique ID, wherein the embedding produces information-embedded digital content that enables retrieval of the copyright information from the blockchain based on the unique ID, and wherein a visual difference between the digital content and the information-embedded digital content is not apparent to an unaided human eye.
    Type: Grant
    Filed: July 30, 2020
    Date of Patent: July 13, 2021
    Assignee: Advanced New Technologies Co., Ltd.
    Inventor: Zhiguo Li
  • Patent number: 11003935
    Abstract: A method for image processing is disclosed. The method includes: obtaining an image associated with a check; obtaining target strings associated with a payor of the check and based on a user input; obtaining extracted strings by applying multiple optical character recognition (OCR) processes with different segmentation modes to the image; identifying, using an expandable and sliding window (ESW), matches between the plurality of target strings and the plurality of extracted strings; and selecting a winning match from the plurality of matches.
    Type: Grant
    Filed: April 25, 2019
    Date of Patent: May 11, 2021
    Assignee: Prosper Funding LLC
    Inventor: Paul Golding
  • Patent number: 10915749
    Abstract: A forgery detection system includes a computer server and a database system of digital fingerprint records corresponding to forged or altered objects of a given object type. Using the computer server, a digital image of a suspect object of the given object type is accessed, an authentication region is selected, and a native feature within the authentication region is extracted. The native feature describes physical characteristics of the authentication region without recognizing content that appears in the authentication region. The computer server forms a feature vector to represent the native feature in a compact form and queries the database system to obtain a result responsive to digital fingerprint records that match the feature vector. Each matching digital fingerprint record is counted, and if the count of fraud indicator matches crosses a predetermined threshold indicating a confidence level that the suspect object is forged or altered, a report based is generated and communicated to a user interface.
    Type: Grant
    Filed: July 20, 2018
    Date of Patent: February 9, 2021
    Assignee: ALITHEON, INC.
    Inventors: David Ross, Brian Elmenhurst, Mark Tocci, John Forbes, Heather Wheelock Ross
  • Patent number: 10917410
    Abstract: Systems for dynamic profile control are provided. A system may receive first check data that may include a number of checks written over a predetermined time period for an account, or the like. The first check data may be analyzed to determine a number of checks written in a predetermined time period and the volume or number may be compared to one or more thresholds or ranges. Based on the comparison, a first tier level may be identified for the account or the like. A profile record may be generated including a check profile that may include one or more parameters determined based on the identified first tier level. The system may then build the profile by adding checks or other documents to the profile upon determining that the checks or other documents meet predefined criteria. After a predetermined time period has expired, the system may process additional data to determine whether the identified tier level and associated parameters should be modified.
    Type: Grant
    Filed: October 11, 2018
    Date of Patent: February 9, 2021
    Assignee: Bank of America Corporation
    Inventors: Robert E. Mills, Jr., Murali Santhanam, Kerry Kurt Simpkins, John B. Hall, Michael J. Pepe, Jr., Jasher David Fowles, Jeanne Moulton, Susan Deans, Athena Barlow
  • Patent number: 10915879
    Abstract: An image of a check may be presented for payment in a banking system in place of the physical paper check. The check to be deposited can be collected from a depositor using a scanner. A web site, accessed through a depositor's web browser, can be used to drive the process of collecting the check, but in some contexts (e.g., in less popular computing environments, such as those that do not run the most popular operating systems), it is economically infeasible to obtain the certificates that would be used to allow a program executing in the web browser to control the scanner. Thus, a depositor can be instructed to capture and upload images of the check in the form of files, where the image files are then presented for payment through a banking system.
    Type: Grant
    Filed: November 25, 2019
    Date of Patent: February 9, 2021
    Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)
    Inventors: Jeff Pollack, Michael Frank Morris, Bharat Prasad, Frank Kyle Major, John Weatherman Brady, Ralph Paige Mawyer, Jr., Clint James Reynolds, Kairav Mahesh Shah
  • Patent number: 10909362
    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: January 28, 2019
    Date of Patent: February 2, 2021
    Assignee: Mitek Systems, Inc.
    Inventors: Grigori Nepomniachtchi, Mike Strange
  • Patent number: 10885514
    Abstract: A method for controlling a near field communication between a device and a transaction card is disclosed. The method includes the steps of capturing, by a front-facing camera of the device, a series of images of the transaction card and processing each image of the series of images to identify a darkness level associated with a distance of the transaction card from the front of the device. The method includes comparing each identified darkness level to a predetermined darkness level associated with a preferred distance for a near field communication read operation and automatically triggering a near field communication read operation between the device and the transaction card for the communication of a cryptogram from an applet of the transaction card to the device in response to the identified darkness level corresponding to the predetermined darkness level associated with the preferred distance for the near field communication read operation.
    Type: Grant
    Filed: July 15, 2019
    Date of Patent: January 5, 2021
    Assignee: Capital One Services, LLC
    Inventors: Colin Hart, Jose Vazquez, Jason Ji
  • Patent number: 10853638
    Abstract: A system and method for extracting structured information from image documents is disclosed. An input image document is obtained, and the input image document may be analyzed to determine a skeletal layout of information included in the input image document. A measure of similarity between the determined skeletal layout and each of the document templates may be determined. A document template may be selected as a matched template, based on the determined measure of similarity. Box areas from the input image document may be cropped out, and optical character recognition (OCR) may be performed on the box areas. Obtained recognized text may be automatically processed using directed search to correct errors made by the OCR. Statistical language modeling may be used to classify the input image document into a classification category, and the classified input image document may be processed according to the classification category.
    Type: Grant
    Filed: October 29, 2018
    Date of Patent: December 1, 2020
    Assignee: Accenture Global Solutions Limited
    Inventors: Abhisek Mukhopadhyay, Shubhashis Sengupta
  • Patent number: 10825279
    Abstract: Systems for item validation and image evaluation are provided. In some examples, a system may receive an instrument and associated data. The instrument may be received and at least one of a bill pay profile and a user profile may be retrieved. The bill pay profile and user profile may each include a plurality of previously processed instruments that have been determined to be valid and/or authentic. The instrument may be compared to the plurality of previously processed instruments to determine whether one or more elements of the instrument being evaluated match one or more corresponding elements of the plurality of previously processed instruments. Matching or non-matching elements may be identified. In some examples, one or more user interfaces may be generated displaying the instruments and including any highlighting or enhancements identifying matching or non-matching elements.
    Type: Grant
    Filed: December 6, 2018
    Date of Patent: November 3, 2020
    Assignee: Bank of America Corporation
    Inventors: Murali Santhanam, Michael Joseph Pepe, Jeanne M. Moulton, Kerry Kurt Simpkins, Jasher David Fowles, John B. Hall