Remote Check Video Capture With Automated Front-Back Matching
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Solution Overview
Problem
Existing technologies face challenges in effectively capturing clear, unobstructed images of both sides of multiple documents, particularly checks, during remote deposit capture, due to issues like piggybacking, blurry images, and manual matching of front and back sides, which are time-consuming and prone to errors.
Innovation Solution
The system employs image correction, rejection alerts, and automated front-to-back side matching using geometrical features to pair images of checks, allowing for efficient capture and processing of multiple checks via video or scanner, with feedback mechanisms to ensure image quality and orientation.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Productivity
If multiple checks are scanned or captured manually, then the quantity of checks processed increases, but the time required and error rate increase due to manual matching of front and back sides
Solution Approach 1:
The system automatically matches front and back images of checks using image processing algorithms, allowing the system to serve itself without manual intervention. The automated matching process compares geometrical features, orientation, and positioning to correctly pair corresponding images, eliminating the need for manual review and significantly reducing time loss while maintaining accuracy.
Solution Approach 2:
The patent replaces manual mechanical matching operations with automated computational image processing. Instead of manually comparing and pairing front and back images, the system uses algorithms to analyze image characteristics, geometrical features, and spatial relationships to automatically identify and pair corresponding images, thereby increasing productivity and reducing time consumption.
2Quantity of substance
If checks are captured using traditional scanning methods, then image capture is achieved, but image quality deteriorates due to piggybacking and obstructions
Solution Approach 1:
The system incorporates feedback mechanisms that evaluate image quality during the capture process and provide real-time guidance. Quality metrics assess parameters such as focus, lighting, and completeness of check images. When degradation is detected due to piggybacking or obstructions, the system provides feedback to correct the positioning or capture parameters, ensuring high image quality while maintaining the ability to process multiple checks.
Solution Approach 2:
The patent implements preliminary actions during the capture process to prevent image quality degradation before it occurs. This includes pre-processing steps such as adjusting camera positioning, optimizing lighting conditions, and detecting potential obstructions or piggybacking situations before final capture. By taking preliminary corrective actions, the system ensures clear, unobstructed images are captured while processing multiple checks.
3Ease of operation
If automated image matching is implemented, then manual effort is reduced, but device complexity increases due to image processing requirements
Solution Approach 1:
The patent segments the complex image matching task into multiple independent modules and processing stages. Each module handles a specific aspect such as image acquisition, quality assessment, geometrical feature extraction, orientation detection, and final pairing. This segmentation allows the system to manage complexity through modular design, making the automated matching process more manageable and maintainable while reducing the overall operational effort required from users.
Data Source
AI summary
Systems and techniques may be used to perform multi-capture for remote deposit via video. For example, a technique may include capturing a first video of a first side and a second video of the second side of each of a plurality of checks, and extracting a first set of respective individual images of the first side and the second side of each check of the plurality of checks. The technique may include comparing geometrical features of the first side of each of the plurality of checks to geometrical features of the second side of each of the plurality of checks, and based on the comparison, selecting an image from the first set of respective individual images that corresponds to an image from the second set of respective individual images to form a pair of images.