Automated Check Encoding Error Resolution via OCR Validation

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Solution Overview

Problem

Existing check processing systems face challenges in optimizing performance and ensuring security while maintaining the integrity of check transactions, particularly in validating and correcting discrepancies between optical character recognition (OCR) outputs and metadata.

Innovation Solution

A computing platform receives source data and metadata associated with checks, determines correlations and discrepancies, and directs OCR systems to perform character recognition, updating records and posting corrected payments through demand deposit account (DDA) systems, with notifications and manual corrections as needed.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Productivity

If automated check processing is implemented, then processing speed and productivity are improved, but accuracy and security validation becomes more difficult

Engineering Contradiction:
Improvecheck processing speedVSAvoidvalidation accuracy
Core Design Contradiction:
ProductivityVSReliability

Solution Approach 1:

The check processing system is divided into multiple independent validation modules: source data validation, metadata validation, OCR output validation, and correlation analysis. Each module performs specific validation tasks and feeds results to the next stage, allowing automated high-speed processing while maintaining comprehensive accuracy through specialized validation functions at each segment.

Inventive Principle:
Principle #1Segmentation

Solution Approach 2:

The system introduces intermediate validation layers including a correlation analysis module that compares source data with metadata, and an OCR validation module that verifies optical character recognition outputs. These intermediary validation stages act as mediators between processing stages, enabling automated flow while ensuring accuracy through cross-validation.

Inventive Principle:
Principle #24Intermediary (Mediator)

2Reliability

If multiple validation stages are added, then validation accuracy is improved, but system complexity increases

Engineering Contradiction:
Improvevalidation accuracyVSAvoidsystem structure
Core Design Contradiction:
ReliabilityVSDevice complexity

Solution Approach 1:

The validation system uses multi-functional components where the correlation analysis module handles both source data validation and metadata validation, and the OCR validation module serves both character recognition verification and data extraction validation. This universality reduces the number of separate components needed while maintaining comprehensive validation coverage.

Inventive Principle:
Principle #6Universality (Multi-functionality)

Solution Approach 2:

The system implements feedback mechanisms where validation results from earlier stages feed back into subsequent processing stages. When discrepancies are detected in correlation analysis or OCR validation, the system automatically adjusts processing parameters or triggers re-validation, creating a self-correcting loop that maintains accuracy without requiring overly complex manual intervention structures.

Inventive Principle:
Principle #23Feedback

3Productivity

If manual review is reduced, then operational efficiency is improved, but error detection capability may worsen

Engineering Contradiction:
Improveoperational efficiencyVSAvoiderror detection
Core Design Contradiction:
ProductivityVSReliability

Solution Approach 1:

The validation system performs self-service through automated correlation analysis and OCR validation that continuously monitor and verify check data without requiring manual intervention. The system automatically detects discrepancies, validates against established criteria, and corrects errors, enabling high operational efficiency while maintaining robust error detection through self-verifying mechanisms.

Inventive Principle:
Principle #25Self-service

Solution Approach 2:

The system replaces manual mechanical review processes with automated electronic validation mechanisms. The correlation analysis module electronically compares source data with metadata, and the OCR validation module electronically verifies character recognition, substituting human visual inspection with automated computational validation that maintains or enhances error detection capability.

Inventive Principle:
Principle #28Mechanics substitution (Replace mechanical system)

Data Source

PatentUS11361287B2Automated check encoding error resolution
Publication Date: 2022.06.14 BANK OF AMERICA CORP
  • US11361287B2 patent drawing
  • US11361287B2 patent drawing
  • US11361287B2 patent drawing

AI summary

Aspects of the disclosure relate to enhanced check processing systems with improved check validation features and enhanced information security. A computing platform may determine whether a correlation between source data and metadata associated with a check exceeds a predetermined correlation threshold. Based on determining that the correlation does not exceed the predetermined correlation threshold, the computing platform may direct an OCR computing system to perform character recognition on the check. Then, the computing platform may determine whether a discrepancy between the metadata and an OCR output from the OCR computing system exceeds a predetermined resolution threshold. In response to determining that the discrepancy between the OCR output and the metadata does not exceed the predetermined resolution threshold, the computing platform may update stored records associated with the check. Subsequently, the computing platform may direct a DDA computing system to post a corrected payment associated with the check.