Remote Check Deposit Limit Remediation With Active OCR

Solution Overview

Problem

Existing digital document verification systems face challenges in determining whether a document meets institutional requirements quickly and in real-time, and users are unable to modify requests or schedules due to remote deposit limits, leading to frustration and potential fraud.

Innovation Solution

Implementing active OCR on a client device to extract check data in real-time, combined with machine learning models, to determine available deposit splits and schedules that adhere to institutional limits, allowing users to select and schedule deposits without extensive image processing.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Measurement precision

If detailed image processing is performed to determine whether a document meets institutional requirements, then measurement precision is improved, but loss of time increases and productivity decreases

Engineering Contradiction:

Improvedocument verification accuracyVSAvoidverification time

Core Design Contradiction:

Measurement precisionVSLoss of time

Solution Approach 1:

The system performs preliminary assessments of document images using machine learning models to identify obvious issues before conducting detailed image processing. This preliminary action filters out documents that clearly fail to meet requirements, avoiding unnecessary detailed processing and reducing overall verification time while maintaining accuracy for documents that require full inspection.

Inventive Principle:

Principle #10Preliminary action

Solution Approach 2:

The verification process is segmented into multiple stages: initial document detection, preliminary assessment using ML models, and detailed image processing only for documents that pass preliminary checks. This segmentation allows the system to apply different levels of processing intensity based on document quality, improving efficiency without sacrificing verification accuracy.

Inventive Principle:

Principle #1Segmentation

2Measurement precision

If detailed image processing is performed to determine whether a document meets institutional requirements, then measurement precision is improved, but productivity decreases

Engineering Contradiction:

Improvedocument verification accuracyVSAvoidverification throughput

Core Design Contradiction:

Measurement precisionVSProductivity

Solution Approach 1:

The system performs preliminary assessments of document images using machine learning models to identify obvious issues before conducting detailed image processing. This preliminary action filters out documents that clearly fail to meet requirements, avoiding unnecessary detailed processing and reducing overall verification time while maintaining accuracy for documents that require full inspection.

Inventive Principle:

Principle #10Preliminary action

Solution Approach 2:

The verification process is segmented into multiple stages: initial document detection, preliminary assessment using ML models, and detailed image processing only for documents that pass preliminary checks. This segmentation allows the system to apply different levels of processing intensity based on document quality, improving efficiency without sacrificing verification accuracy.

Inventive Principle:

Principle #1Segmentation

3Ease of operation

If real-time remediation opportunities are provided to users, then ease of operation is improved, but device complexity increases

Engineering Contradiction:

Improveuser ability to modify requestsVSAvoidsystem complexity

Core Design Contradiction:

Ease of operationVSDevice complexity

Solution Approach 1:

The system provides real-time feedback to users about document verification status and limit policy compliance. When documents or requests violate limits, the system immediately notifies users and offers remediation opportunities, such as modifying service requests or scheduling future deliveries. This feedback loop enables users to correct issues before extensive processing occurs, improving ease of operation while the underlying complexity is managed through automated ML-based assessment.

Inventive Principle:

Principle #23Feedback

Data Source

PatentUS20250307913A1Limit excess determination and remediation

Publication Date: 2025.10.02 CAPITAL ONE SERVICES LLC

AI summary

A computer implemented method, system, and non-transitory computer-readable device for a digital document verification process. In some embodiments, a split deposit tool may be provided in a mobile banking application to allow a customer to split a deposit and schedule deposit dates for various portions of the split deposit. In some embodiments, the split deposit tool may be provided in response to a determination that an amount of a check in an image exceeds a remaining remote deposit limit. In some embodiments, the amount may be determined using real-time optical character recognition (OCR), for example, active OCR performed on a live stream of check imagery.