Check Image Background Removal via Chroma Key Processing

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Solution Overview

Problem

The existing methods for remote check depositing face challenges in efficiently and accurately detecting checks within digital images, particularly in distinguishing the check image from the background, which complicates the processing and depositing of funds.

Innovation Solution

The system captures an image of a check on any background and creates a digital image with a replacement background, allowing for the removal or reduction of the original background, enabling efficient processing and transmission of the check image by using image processing techniques such as chroma key technology and edge detection.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Ease of operation

If remote check deposit is enabled through digital imaging, then convenience for payee is improved, but difficulty in detecting and measuring the check in the digital image increases

Engineering Contradiction:
Improveconvenience for payeeVSAvoiddifficulty in detecting check in digital image
Core Design Contradiction:
Ease of operationVSDifficulty of detecting and measuring

Solution Approach 1:

The patent applies color-based image processing techniques to distinguish the check from the background. By analyzing color differences and using chroma key technology, the system automatically identifies and extracts the check image from various backgrounds, resolving the detection difficulty while maintaining remote deposit convenience

Inventive Principle:
Principle #32Color changes

Solution Approach 2:

The patent introduces an intermediary image processing system that acts as a mediator between the captured digital image and the check detection algorithm. This intermediary layer performs background removal and check isolation, making the detection process more reliable while preserving the ease of remote deposit operation

Inventive Principle:
Principle #24Intermediary (Mediator)

2Measurement precision

If background removal techniques are applied, then check image detection accuracy is improved, but processing complexity increases

Engineering Contradiction:
Improvecheck image detection accuracyVSAvoidprocessing complexity
Core Design Contradiction:
Measurement precisionVSDevice complexity

Solution Approach 1:

The patent performs background removal and check isolation as preliminary actions before the main check processing steps. By pre-processing the image to extract only the check portion, the system improves detection accuracy while managing complexity through automated, pre-configured processing algorithms

Inventive Principle:
Principle #10Preliminary action

Solution Approach 2:

The image processing system performs self-service by automatically detecting edges, removing backgrounds, and isolating checks without requiring manual intervention. This automation maintains high detection accuracy while minimizing the operational complexity for users

Inventive Principle:
Principle #25Self-service

Data Source

PatentUS11721117B1Systems and methods of check processing with background removal
Publication Date: 2023.08.08 UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)
  • US11721117B1 patent drawing
  • US11721117B1 patent drawing
  • US11721117B1 patent drawing

AI summary

An image of a check is captured by an imaging device and a digital image of the check on a replacement background may be created. The check may be placed on any background while the image of the check is being captured. The replacement background replaces, in the digital image, the background that the check is placed on while its image is being captured. The replacement background may comprise a predetermined image or color(s). The image of the check and the replacement background may be provided into a digital image file that may be transmitted to an institution system for deposit of the check into an account.