Automated Electronic Transfer Instrument Image Processing

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Solution Overview

Problem

Conventional techniques for electronic transfer instruments require manual processing and are prone to errors, inconsistencies, and security risks due to human-readable data exposure, leading to failed transfers and potential unauthorized transactions.

Innovation Solution

An automated system that captures and processes image data from cameras or scanners to generate electronic transfer instruments, enabling real-time validation and encoding to prevent errors and enhance security, using techniques like neural networks for image processing and machine-encoded content extraction.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Reliability

If manual processing techniques are used for transfer instruments, then human-readable data exposure occurs making data accessible, but security risks increase and errors are not detected until days later

Engineering Contradiction:

Improveerror detection timingVSAvoidsecurity risks

Core Design Contradiction:

ReliabilityVSObject-affected harmful factors

Solution Approach 1:

The patent replaces manual mechanical processing with automated image capture and machine-encoded data extraction systems. Cameras or scanners capture transfer instrument images, and software automatically extracts and validates data elements, eliminating human handling errors and enabling immediate error detection while maintaining security through non-human-readable encoded formats

Inventive Principle:

Principle #28Mechanics substitution (Replace mechanical system)

Solution Approach 2:

The patent creates digital copies of transfer instruments through image capture and converts them into machine-encoded data structures. This digital replication allows for automated validation, error detection, and processing without exposing sensitive information in human-readable formats, resolving the contradiction between accessibility and security

Inventive Principle:

Principle #26Copying

2Productivity

If automated image processing is implemented, then error detection and validation improve, but device complexity increases

Engineering Contradiction:

Improvetransfer processing efficiencyVSAvoidsystem complexity

Core Design Contradiction:

ProductivityVSDevice complexity

Solution Approach 1:

The patent implements a multi-functional system where a single integrated platform performs image capture, image processing, data extraction, validation, and error detection. This universal system consolidates multiple functions into one cohesive solution, improving productivity without proportionally increasing complexity through modular architecture

Inventive Principle:

Principle #6Universality (Multi-functionality)

Solution Approach 2:

The system performs self-validation and self-correction through automated algorithms that detect errors and inconsistencies in extracted data. The validation rules and error detection mechanisms are built-in, allowing the system to autonomously identify and flag issues without additional manual intervention, enhancing productivity while keeping operational complexity manageable

Inventive Principle:

Principle #25Self-service

3Loss of information

If multiple images are captured manually, then complete data capture is achieved, but user burden increases

Engineering Contradiction:

Improvedata completenessVSAvoiduser effort

Core Design Contradiction:

Loss of informationVSEase of operation

Solution Approach 1:

The system provides real-time feedback during the image capture process, analyzing each captured image to determine if all necessary data elements are visible and complete. This feedback mechanism guides users on whether additional images are needed, automatically assessing data completeness and reducing user burden by eliminating the need for users to manually determine capture requirements

Inventive Principle:

Principle #23Feedback

4Speed

If images are processed in real-time, then transfer speed improves, but network resource availability becomes a constraint

Engineering Contradiction:

Improvetransfer instrument processing speedVSAvoidprocessing reliability

Core Design Contradiction:

SpeedVSReliability

Solution Approach 1:

The system performs preliminary image capture and data extraction locally on the user device before transmitting to the remote server. This preliminary processing reduces network dependency and enables faster initial processing, while the server performs additional validation and final processing when resources are available, balancing speed and reliability

Inventive Principle:

Principle #10Preliminary action

Data Source

PatentUS12141767B2System for formimg, from captured image data electronic transfer instruments having a transfer instrument image and extracted transfer data elements

Publication Date: 2024.11.12 TRUIST BANK

AI summary

Systems and methods are used to generated electronic instruments that implement electronic transfers. The system converts instruments to an electronic format using an imaging source. The image data is processed to determine content elements and segments of the electronic transfer instrument and to extract transfer data. The transfer data is validated to facilitate secure, accurate execution of the electronic transfer.