WO2008052121A2 - Method and system for enhanced check image privacy - Google Patents
Method and system for enhanced check image privacy Download PDFInfo
- Publication number
- WO2008052121A2 WO2008052121A2 PCT/US2007/082536 US2007082536W WO2008052121A2 WO 2008052121 A2 WO2008052121 A2 WO 2008052121A2 US 2007082536 W US2007082536 W US 2007082536W WO 2008052121 A2 WO2008052121 A2 WO 2008052121A2
- Authority
- WO
- WIPO (PCT)
- Prior art keywords
- image
- images
- operator
- confidence score
- archive
- Prior art date
Links
Classifications
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/04—Payment circuits
- G06Q20/042—Payment circuits characterized in that the payment protocol involves at least one cheque
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06V—IMAGE OR VIDEO RECOGNITION OR UNDERSTANDING
- G06V10/00—Arrangements for image or video recognition or understanding
- G06V10/98—Detection or correction of errors, e.g. by rescanning the pattern or by human intervention; Evaluation of the quality of the acquired patterns
- G06V10/987—Detection or correction of errors, e.g. by rescanning the pattern or by human intervention; Evaluation of the quality of the acquired patterns with the intervention of an operator
-
- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
- G07F7/04—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by paper currency
-
- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
- G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
- G07F7/12—Card verification
- G07F7/122—Online card verification
Definitions
- MICR magnetic ink character recognition
- the problem is referred to a human operator to determine if there is a problem such that the customer should be kept from viewing the image. The operator then either marks the image appropriately in the bank's own archive, or notifies the bank's archive service provider of the problem so that the image can be appropriately designated.
- Embodiments of the present invention provide a way to automatically link the results from quality assurance software like that described above to a check image archive to automatically mark images as unretrievable by customers.
- operator intervention can be substantially reduced.
- an automatic control feedback loop is created between an image transaction management platform and an image archive to aid in reducing privacy breaches caused by check images being retrieved against an incorrect account.
- a method of restricting access to images in a financial document archive includes interrogating an image with a data matching algorithm to determine whether a confidence score expressing a likelihood that the image matches stored magnetic ink character recognition (MICR) data is below a pre-set threshold.
- the image in the financial document archive can be then automatically be marked or designated by the system as unretrievable so that the image cannot be viewed by customers. In this situation, no operator intervention is required.
- MICR magnetic ink character recognition
- the image can be displayed to an operator when the confidence score is above the pre-set threshold and below a pre-set limit and in that case, the image can be marked according to an indication made by the operator.
- An operator can also provide the review in cases where the confidence score cannot be determined by the data matching algorithm for some reason. In any of these cases, provision can be made to send data describing defects in the image to the financial document archive.
- the methods of the invention can be implemented in a system including an image transaction platform for retrieving the images.
- This platform may be implemented via a computer system such as a mainframe computer system.
- An image quality inspection platform can be connected to the image transaction system to interrogate the images with a data matching algorithm and determine the confidence score. Connectivity to an image archive to mark images as unretrievable is provided in such an embodiment.
- the image quality inspection platform may be implemented on one or more servers interconnected with image quality inspection platforms used to display images to an operator if necessary. Additionally, both long term and short term image archive databases can be used. The invention can be implemented via appropriate software or computer program code instructions.
- These instructions may be in the form of a computer program product, which is installed to run on the servers discussed above.
- the combination of hardware and software to perform the functions described can form the means to carry out the processes of the invention.
- Fig. 1 is a high-level, system block diagram for example embodiments of the invention.
- Fig. 2 is a flowchart illustrating the method of the invention according to at least one example embodiment.
- Fig. 3 is a detailed system block diagram according to at least one example embodiment of the invention. Best Mode(s) for Carrying Out the Invention The following detailed description of embodiments refers to the accompanying drawings, which illustrate specific embodiments of the invention. Other embodiments having different structures and operation do not depart from the scope of the present invention.
- the present invention may be embodied as a method, system, computer program product, or a combination of the foregoing. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment (including firmware, resident software, micro-code, etc.) or an embodiment combining software and hardware aspects that may generally be referred to herein as a "system.” Furthermore, the present invention may take the form of a computer program product on a computer-usable storage medium having computer-usable program code embodied in the medium.
- the computer usable or computer readable medium may be, for example but not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, device, or propagation medium. More specific examples (a non-exhaustive list) of the computer readable medium would include the following: an electrical connection having one or more wires, a portable computer diskette, a hard disk, a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or Flash memory), an optical fiber, a portable compact disc read-only memory (CD-ROM), an optical storage device, a transmission media such as those supporting the
- a computer usable or computer readable medium could even be paper or another suitable medium upon which the program is printed, as the program can be electronically captured, via, for instance, optical scanning of the paper or other medium, then compiled, interpreted, or otherwise processed in a suitable manner, if necessary, and then stored in a computer memory.
- a computer usable or computer readable medium may be any medium that can contain, store, communicate, propagate, or transport the program for use by or in connection with the instruction execution system, apparatus, or device.
- the computer usable medium may include a propagated data signal with the computer-usable program code embodied therewith, either in baseband or as part of a carrier wave.
- the computer usable program code may be transmitted using any appropriate medium, including but not limited to the Internet, wireline, optical fiber cable, radio frequency (RF) or other means.
- RF radio frequency
- These computer program instructions may also be stored in a computer- readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer readable memory produce an article of manufacture including instruction means which implement the function/act specified in the flowchart and/or block diagram block or blocks.
- the computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions/acts specified in the flowchart and/or block diagram block or blocks.
- computer program implemented steps or acts may be combined with operator or human implemented steps or acts in order to carry out an embodiment of the invention.
- bank and any similar terms are used herein in their broadest sense. Financial institutions that process transactions and documents of the types discussed can include stock brokerages, credit unions, and other types of institutions which are not strictly banks in the historical sense. Even retail and other service businesses, as well as manufacturers may process documents and/or data as disclosed herein. The use of terms such as bank, “institution” or “franchise” herein is meant to encompass all such possibilities.
- MICR encoded documents Much of the terminology herein refers to the processing of information about MICR encoded documents.
- This information can be stored in a data processing system, in computer memory and/or media for retrieval and manipulation.
- CIMS check image management system
- CPCS check processing control system
- Such systems are well known within the banking industry by those who work in the financial data processing fields.
- Such data processing systems have historically been produced by the International Business Machines (IBM) Corporation.
- IBM International Business Machines
- CIMS is today produced and marketed by Carreker Corporation of Dallas, Texas, U.S.A. Carreker and their products are well-known throughout the financial services industry.
- ECL electronic cash letter
- Index information can also be stored with electronic images in an "image cash letter" (ICL) to provide for the truncation of the paper documents.
- ICL image cash letter
- ANSI American National Standards Institute
- Check images as described in some example embodiments can be stored in either or both of a short-term image archive and a long-term image archive.
- a short-term archive is a repository that houses images and their associated index/electronic data to provide an interim storage facility from which images and image data can be readily accessed and modified by interfacing applications prior to migration to long-term storage.
- This short-term repository can reside on a mainframe computer system or in a client/server based environment.
- a long-term image archive is a storage facility that houses images and their associated index/electronic data to provide permanent storage of images and image data, in their final form.
- Fig. 1 presents a high-level system block diagram according to example embodiments of the invention.
- System 100 includes an image transaction management platform, 102, controlling the flow of image transactions through the enterprise, capable of dispatching and receiving data from other applications and image storage archives.
- image transaction management platform 102
- such a platform can be a mainframe computer system with appropriate associated applications such as the previously mentioned CPCS and CIMS.
- Short-term check image storage 104 is for storing images and related data while the images are being handled by the various in-house systems.
- image quality inspection platform 106 includes codeline data matching algorithm(s) and operator decisioning capability, along with the ability to determine confidence scores using confidence data 108.
- a messaging facility, 110 is provided for communicating between enterprise applications and platforms. This messaging facility can be via secured dedicated communication channels such as a secured intranet or via a secured "pipe" over the public Internet as is known in the art.
- Long-term image archive 112 and associated management system 1 14 provide long term check image storage. This archive typically also provides images that are reviewed by on-line banking customers. Often, such an archive is maintained by a check archive services provider, as is known in the art.
- the confidence data discussed above is the result of the codeline recognition and comparison.
- the algorithm may not be 100% certain of a character. For example, the algorithm may not be sure that an '8' is an '8' - perhaps it is a '3'. Because of partial codeline misreads, a small percentage of digits may be permitted to differ between the OCR and MICR reads before an image is flagged as a codeline defect.
- the algorithm scores the overall match on a confidence scale from 0% to 100%. Users can then set thresholds for various actions to take place. This confidence data has to be stored in order for the image transaction management platform to decide what to do and in order to provide analytical data for problem management and analysis.
- Fig. 2 is a flowchart showing the process of example embodiments of the invention. Like most flowcharts, Fig. 2 presents process 200 as a series of process blocks, illustrating the various steps and or subprocesses that are performed in example embodiments.
- Process 200 begins at block 202.
- a population of check images is selected for analysis by the image transaction management platform. This selection may be based on work type, process flow, amount, customer type, or other profile data intended to analyze only the necessary images to satisfy customer requirements.
- the images are retrieved from short-term check image storage and supplied to the image quality inspection system at block 206.
- an image is interrogated with codeline data matching software, resulting in data containing the corresponding confidence score for a match.
- the data is screened for a high confidence threshold value, that is, a value that is above an upper pre-set limit, at block 212. If the confidence score is above that threshold, the process is complete for that image as shown at block 214. The image is not defective. If there are more images to screen at block 216, the process repeats at block 218. Otherwise the process ends at block 220.
- the data is screened for a questionable confidence threshold value at block 222.
- a questionable confidence threshold value is passed to an operator to review at block 224 and the operator can determine whether the image is a codeline data mismatch. If not, at block 226, the process again ends for the image at block 214. Otherwise, if the image is defective, data describing the defect can be passed to the archive system at block 228, and the image can be designated as unretrievable at block 230 in the image archive, 232. Typically, this indication would only be stored in the long-term archive, since that is where image copies that can be accessed by customers reside. Again, the process ends for the current image at block 234. If there are no more images to process at block 236, the process ends at block 238. If there are more images, the process loops back at block 240 to handle the next image.
- the system can be set up so that a replacement document with an explanatory message is displayed to a customer who tried to access the image.
- defective images are still retained in the long term archive for retrieval by bank personnel if necessary.
- Fig. 3 provides detail of an example real-world implementation of the invention. In system 300 of Fig.
- incoming paper items, in this case checks are shown at 302.
- the documents are sorted and read at a high-speed sorter, 304, for example, an IBM 3890 high-speed sorter.
- the checks pass through a capture area where read heads capture the MICR data and organize it into stored fields.
- Images are captured and image data 305 is transmitted to computer system 306 via connectivity 308.
- Computing system 306 serves as the image transaction management platform.
- Connectivity 308 can be provided by any of various types of networks, for example, an internet protocol (IP) network, or a local area network (LAN).
- IP internet protocol
- LAN local area network
- computing system 306 stores images and data in short term archive 310.
- the paper items, after they have been imaged, are sorted into pockets 314. Sorted, boxed items 316 are then stored, forwarded onto other banks, or otherwise properly routed within the financial institution. It should be noted that in some institutions using exclusively image-based processing, sorted items 316 might be simply stored and eventually destroyed.
- connectivity 308 also provides a connection through external means (not shown) to long-term storage archive 318.
- Information can be forwarded to the long-term archive via a secure connection such as a virtual private network (VPN) connection or a secure sockets layer (SSL) connection.
- VPN virtual private network
- SSL secure sockets layer
- Fig. 3 is provided as an illustrative example only.
- document sorting systems There are numerous types of document sorting systems that can be used to provide the appropriate functions.
- Most sorters typically have conventional document diverting mechanisms which rout the documents to various pockets.
- the sorter also captures MICR data, and scans the front and back of documents to capture the appropriate images.
- the long term archive may not be external, but may be internal to the enterprise, even directly connected to the computer system that implements the image transaction management platform.
- computing platform 306 in Fig. 3 is schematically illustrated as a "mainframe" computer, the computing platform could also be a server, workstation, or even a desktop or personal computer given the processing power that has been achieved in such devices in recent years.
- a number of operator terminals, 328 are interfaced to computer system 306 by Ethernet 330. These operator terminals are used to review images in the case where a confidence score for an item is in the intermediate range as previously discussed. Also connected to Ethernet 330 are servers 332, having associated storage media, 334, on which computer program code 336 resides. These servers and the associated computer program code serve as the image quality inspection platforms. This computer program code is a part of a computer program product that in this embodiment is used in carrying out the method of the invention.
- servers 332 are implemented as WindowsTM based platforms, and include the data matching algorithm as previously discussed, as well as computer program code to determine when and how to route images to operators, or to send messages to archive 318 to mark images as unretrievable.
- the number of servers used would typically vary depending on the volume of images requiring decisioning over time. Note that in example embodiments, these images are already in the archive when this processing takes place.
- a feedback loop 338 is formed, in which images are acquired, stored in an archive, evaluated via the local area network based system shown, and an indication returns to the archive in which they images are stored.
- OCR algorithms can be applied to the processes described above by the servers shown in Fig. 3.
- Specific OCR products are available that have been designed to optically determine and read printed MICR characters. It is also known how to compare the results of more than one algorithm, or the results of an algorithm with stored values and make determinations regarding certain confidence intervals. One way of accomplishing this is via a voting algorithm.
- Optical character recognition is a mature art and it is readily understood in the data processing arts how to apply it to achieve various results.
- Various companies produce OCR products and systems for varied applications. In a typical application, a 60-80% confidence score can be used for a lower limit, and a 95-98% confidence score can be used as an upper limit.
- MICR information normally includes the various stored data fields, and what in CIMS and CPCS parlance is referred to as a "string" that includes a "user byte.” For example, a string designates an item as valid, or as a reject.
- a string designates an item as valid, or as a reject.
- good items that are sorted to pockets build an "I-String" within CPCS with a valid user byte. Items with errors can build on the same "I-String" but, with other types of CPCS user bytes.
- These stored strings can be used to indicate when an image has been inspected in the manner described above, and when an image will download to workstations for verification by an operator referencing an image.
- User bytes can be defined to indicate the defects that caused the problem (for example, piggyback, image quality problem, interruption in processing). User bytes can also define when an image should be designated unretrievable in the long-term archive.
- This data can be stored in the image transaction management platform in the normal fashion, and then messages can be automatically generated and sent to the long-term image archive to make the appropriate indication in the data structures containing the MICR and other data pertaining to the stored images. The information can be stored and pushed to the archive in a batch fashion, or messages regarding individual items can be sent in real time.
- each block in the flowchart or block diagrams may represent a module, segment, action, or portion of code, which comprises one or more executable instructions or actions for implementing the specified logical function(s).
- the functions noted described herein may occur out of the order presented, depending upon the functionality involved.
- each block of the block diagrams and/or flowchart illustrations, and combinations of blocks in the block diagrams and/or flowchart illustrations can be implemented by special purpose hardware-based systems or operators which perform the specified functions or acts.
Abstract
Description
Claims
Priority Applications (4)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
AU2007308908A AU2007308908B2 (en) | 2006-10-26 | 2007-10-25 | Method and system for enhanced check image privacy |
EP07844605A EP2078278A4 (en) | 2006-10-26 | 2007-10-25 | Method and system for enhanced check image privacy |
CA002667431A CA2667431A1 (en) | 2006-10-26 | 2007-10-25 | Method and system for enhanced check image privacy |
MX2009004430A MX2009004430A (en) | 2006-10-26 | 2007-10-25 | Method and system for enhanced check image privacy. |
Applications Claiming Priority (2)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
US11/553,269 | 2006-10-26 | ||
US11/553,269 US8126252B2 (en) | 2006-10-26 | 2006-10-26 | Method and system for enhanced check image privacy |
Publications (2)
Publication Number | Publication Date |
---|---|
WO2008052121A2 true WO2008052121A2 (en) | 2008-05-02 |
WO2008052121A3 WO2008052121A3 (en) | 2008-12-11 |
Family
ID=39325431
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
PCT/US2007/082536 WO2008052121A2 (en) | 2006-10-26 | 2007-10-25 | Method and system for enhanced check image privacy |
Country Status (6)
Country | Link |
---|---|
US (1) | US8126252B2 (en) |
EP (1) | EP2078278A4 (en) |
AU (1) | AU2007308908B2 (en) |
CA (1) | CA2667431A1 (en) |
MX (1) | MX2009004430A (en) |
WO (1) | WO2008052121A2 (en) |
Families Citing this family (16)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US8326041B2 (en) * | 2007-05-11 | 2012-12-04 | John Wall | Machine character recognition verification |
US10102583B2 (en) | 2008-01-18 | 2018-10-16 | Mitek Systems, Inc. | System and methods for obtaining insurance offers using mobile image capture |
US9298979B2 (en) | 2008-01-18 | 2016-03-29 | Mitek Systems, Inc. | Systems and methods for mobile image capture and content processing of driver's licenses |
US20130085935A1 (en) | 2008-01-18 | 2013-04-04 | Mitek Systems | Systems and methods for mobile image capture and remittance processing |
US10685223B2 (en) | 2008-01-18 | 2020-06-16 | Mitek Systems, Inc. | Systems and methods for mobile image capture and content processing of driver's licenses |
US8983170B2 (en) | 2008-01-18 | 2015-03-17 | Mitek Systems, Inc. | Systems and methods for developing and verifying image processing standards for mobile deposit |
US9842331B2 (en) | 2008-01-18 | 2017-12-12 | Mitek Systems, Inc. | Systems and methods for mobile image capture and processing of checks |
US8582862B2 (en) * | 2010-05-12 | 2013-11-12 | Mitek Systems | Mobile image quality assurance in mobile document image processing applications |
US10891475B2 (en) | 2010-05-12 | 2021-01-12 | Mitek Systems, Inc. | Systems and methods for enrollment and identity management using mobile imaging |
US9208393B2 (en) * | 2010-05-12 | 2015-12-08 | Mitek Systems, Inc. | Mobile image quality assurance in mobile document image processing applications |
US8654369B2 (en) * | 2011-07-18 | 2014-02-18 | Hewlett-Packard Development Company, L.P. | Specific print defect detection |
US10019462B1 (en) * | 2011-12-30 | 2018-07-10 | Emc Corporation | System and method of hierarchical archive management |
US8824772B2 (en) * | 2012-10-23 | 2014-09-02 | Ensenta Inc. | System and method for improved remote deposit image handling |
US10963535B2 (en) | 2013-02-19 | 2021-03-30 | Mitek Systems, Inc. | Browser-based mobile image capture |
US9299069B2 (en) * | 2013-05-02 | 2016-03-29 | Bank Of America Corporation | Granular, user-accessible paper payment processing indicators |
US11526893B2 (en) * | 2016-12-29 | 2022-12-13 | Capital One Services, Llc | System and method for price matching through receipt capture |
Family Cites Families (12)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US4523330A (en) | 1982-12-23 | 1985-06-11 | Ncr Canada Ltd - Ncr Canada Ltee | Banking system and method |
US5737440A (en) | 1994-07-27 | 1998-04-07 | Kunkler; Todd M. | Method of detecting a mark on a oraphic icon |
US6181837B1 (en) * | 1994-11-18 | 2001-01-30 | The Chase Manhattan Bank, N.A. | Electronic check image storage and retrieval system |
US5729621A (en) * | 1995-08-31 | 1998-03-17 | Ncr Corporation | Method and apparatus for magnetic ink character recognition using a magneto-resistive read head |
FR2750103B1 (en) * | 1996-06-24 | 1998-07-24 | Bosch Syst Freinage | MASTER CYLINDER WITH RELATED SHOCK DEFLECTOR |
JPH10181637A (en) * | 1996-12-25 | 1998-07-07 | Toyota Motor Corp | Structure for controlling displacement of vehicle pedal |
DE19839521C1 (en) * | 1998-08-29 | 2000-03-09 | Daimler Chrysler Ag | Stem structure for a motor vehicle |
US6351553B1 (en) | 1999-03-03 | 2002-02-26 | Unisys Corporation | Quality assurance of captured document images |
US6863214B2 (en) | 2000-02-01 | 2005-03-08 | Wachovia Corporation | Image enabled reject repair for check processing capture |
US20040247168A1 (en) * | 2000-06-05 | 2004-12-09 | Pintsov David A. | System and method for automatic selection of templates for image-based fraud detection |
US20050139671A1 (en) | 2003-12-31 | 2005-06-30 | Bank Of America Corporation | Method and system for exception processing of micr documents |
US7711176B2 (en) * | 2005-12-16 | 2010-05-04 | Ncr Corporation | Computer-implemented method of processing a substitute check and an apparatus therefor |
-
2006
- 2006-10-26 US US11/553,269 patent/US8126252B2/en active Active
-
2007
- 2007-10-25 MX MX2009004430A patent/MX2009004430A/en active IP Right Grant
- 2007-10-25 EP EP07844605A patent/EP2078278A4/en not_active Withdrawn
- 2007-10-25 AU AU2007308908A patent/AU2007308908B2/en not_active Ceased
- 2007-10-25 CA CA002667431A patent/CA2667431A1/en not_active Abandoned
- 2007-10-25 WO PCT/US2007/082536 patent/WO2008052121A2/en active Application Filing
Non-Patent Citations (1)
Title |
---|
See references of EP2078278A4 * |
Also Published As
Publication number | Publication date |
---|---|
AU2007308908B2 (en) | 2012-01-12 |
EP2078278A4 (en) | 2011-11-02 |
US8126252B2 (en) | 2012-02-28 |
MX2009004430A (en) | 2009-06-26 |
EP2078278A2 (en) | 2009-07-15 |
AU2007308908A1 (en) | 2008-05-02 |
WO2008052121A3 (en) | 2008-12-11 |
CA2667431A1 (en) | 2008-05-02 |
US20100208976A2 (en) | 2010-08-19 |
US20080101680A1 (en) | 2008-05-01 |
Similar Documents
Publication | Publication Date | Title |
---|---|---|
US8126252B2 (en) | Method and system for enhanced check image privacy | |
US8639062B2 (en) | Ensuring image integrity using document characteristics | |
US7773775B2 (en) | Surrogate document indicator and methods of using same | |
US8864029B2 (en) | Method and system for exception processing of MICR documents | |
US8639017B1 (en) | Method and system for duplicate check detection | |
US10467688B1 (en) | System and method for back office processing of banking transactions using electronic files | |
US7165723B2 (en) | System and method for the processing of MICR documents that produce read errors | |
US8300917B2 (en) | Remote deposit capture for the gaming industry | |
US7890426B2 (en) | Method and system for verifying check images | |
US9092447B1 (en) | Method and system for duplicate detection | |
US10083318B2 (en) | Pattern matching for data leak prevention | |
US7996312B1 (en) | System and method for image based electronic check presentment | |
US20050281450A1 (en) | System and method for correcting data in financial documents | |
JPH06502508A (en) | Improved automatic data reading | |
US11501344B2 (en) | Partial perceptual image hashing for invoice deconstruction | |
US8218851B1 (en) | Identifying stored documents by evaluating image attributes | |
CA2641301A1 (en) | Ensuring image integrity using document characteristics | |
US8458066B2 (en) | Method and system to re-create lost cash letters | |
Aqel et al. | Functions, Structure and Operation of a Modern System for Authentication of Signatures of Bank Checks |
Legal Events
Date | Code | Title | Description |
---|---|---|---|
121 | Ep: the epo has been informed by wipo that ep was designated in this application |
Ref document number: 07844605 Country of ref document: EP Kind code of ref document: A2 |
|
WWE | Wipo information: entry into national phase |
Ref document number: 2667431 Country of ref document: CA |
|
WWE | Wipo information: entry into national phase |
Ref document number: MX/A/2009/004430 Country of ref document: MX |
|
NENP | Non-entry into the national phase |
Ref country code: DE |
|
WWE | Wipo information: entry into national phase |
Ref document number: 1804/KOLNP/2009 Country of ref document: IN Ref document number: 2007844605 Country of ref document: EP |
|
WWE | Wipo information: entry into national phase |
Ref document number: 2007308908 Country of ref document: AU |
|
ENP | Entry into the national phase |
Ref document number: 2007308908 Country of ref document: AU Date of ref document: 20071025 Kind code of ref document: A |