Check Image Storage via Element Segmentation and White Space
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Solution Overview
Problem
Financial institutions face significant storage space challenges due to the large volume of check images they need to maintain for regulatory purposes, as they currently store high-resolution images of checks for extended periods, which is inefficient and costly.
Innovation Solution
Implement a system that captures and stores only essential elements of checks at high resolution, while storing non-essential portions at lower resolution or as 'white space', allowing for efficient storage and retrieval of check information, and generates a second image based on stored data for reconstruction.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Measurement precision
If high-resolution images of all check portions are stored, then image quality is maintained, but storage space requirements increase significantly
Solution Approach 1:
The check image is divided into multiple quadrants, with element-containing quadrants stored at high resolution and non-element quadrants stored at lower resolution or as white space descriptors, resolving the contradiction between maintaining image quality and reducing storage space
Solution Approach 2:
Different portions of the check image are stored with different quality levels - element-containing portions are preserved at high resolution while non-element portions are stored at lower resolution or as simplified representations, allowing selective quality maintenance based on local importance
2Reliability
If all check images are stored at high resolution for regulatory compliance, then verification accuracy is maintained, but storage costs increase
Solution Approach 1:
The system segments check images into element-containing and non-element quadrants, storing only essential elements at high resolution while using compressed or descriptor-based storage for non-essential portions, thereby maintaining verification accuracy for critical areas while reducing overall storage costs
Solution Approach 2:
The system creates simplified copies or descriptors of non-element portions (white space) that consume minimal storage space but can be reconstructed when needed, maintaining verification capability while reducing storage costs
3Reliability
If complete check images are stored for all processed checks, then regulatory requirements are met, but storage capacity is exhausted quickly
Solution Approach 1:
The system divides check images into quadrants and selectively stores only those containing elements at full resolution, while representing non-element quadrants as white space or simplified data, thereby meeting regulatory requirements with reduced storage capacity consumption
Solution Approach 2:
The system changes the storage parameter from uniform high resolution for all image portions to variable resolution based on element presence, storing element-containing quadrants at high resolution and non-element quadrants at lower resolution or as descriptors, optimizing storage capacity utilization
Data Source
AI summary
Embodiments of the present invention relates to systems, computer-implemented methods, and computer program products for capturing and storing elements of a negotiable instrument for use in image recreation. In some embodiments, a method is provided that includes: (a) receive an image of the negotiable instrument, wherein the image of the negotiable instrument comprises one or more elements that are used for processing the negotiable instrument and non-element portions that are not used in processing the negotiable instrument; (b) capture, using the image capture device, images of one or more elements of the negotiable instrument; (c) store the images of the one or more elements of the negotiable instrument in the database; and (d) store, as white space, the non-element portions of the image of the negotiable instrument in the database.