Image Transaction Processing Using Confidence-Based Document Splitting

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Solution Overview

Problem

Existing transaction processing systems struggle with handling varied sets of transactions without prior knowledge of the context, leading to inefficiencies and potential errors due to the need for manual processing and document pre-analysis.

Innovation Solution

A system utilizing an image processing engine with machine learning models to analyze document images, identify attributes, determine transactions, and associate them with accounts, based on confidence scores to split documents into sets, enabling automated and efficient transaction processing.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Adaptability or versatility

If manual transaction processing is used to handle varied transactions without prior knowledge, then flexibility in handling different transaction types is improved, but processing efficiency and accuracy deteriorate due to time-consuming manual analysis

Engineering Contradiction:
Improveability to handle varied transactionsVSAvoidtransaction processing efficiency
Core Design Contradiction:
Adaptability or versatilityVSProductivity

Solution Approach 1:

The system performs self-service by automatically analyzing document images, extracting attributes, and determining transactions without requiring manual pre-analysis or prior knowledge of transaction contexts. The image processing engine independently handles the complete workflow from document intake to transaction determination, eliminating the need for manual intervention while maintaining adaptability to varied transaction types.

Inventive Principle:
Principle #25Self-service

2Reliability

If document pre-analysis is required to process transactions, then transaction processing accuracy is improved, but system complexity and processing time increase

Engineering Contradiction:
Improvetransaction processing accuracyVSAvoidsystem complexity
Core Design Contradiction:
ReliabilityVSDevice complexity

Solution Approach 1:

The system merges multiple functions into a single integrated image processing engine that simultaneously performs document analysis, attribute extraction, account identification, and transaction determination. This consolidation eliminates the need for separate pre-analysis steps while maintaining high accuracy through confidence score evaluation and automated processing workflows.

Inventive Principle:
Principle #5Merging (Combining)

3Reliability

If manual review processes are used to verify transaction details, then error detection capability is improved, but processing speed and automation level deteriorate

Engineering Contradiction:
Improveerror detection capabilityVSAvoidautomation level
Core Design Contradiction:
ReliabilityVSExtent of automation

Solution Approach 1:

The system implements feedback mechanisms through confidence score evaluation, where the image processing engine assesses the reliability of extracted attributes and automatically determines transactions based on predefined thresholds. This automated feedback loop provides error detection capability equivalent to manual review while maintaining high automation levels and processing speed.

Inventive Principle:
Principle #23Feedback

Data Source

PatentUS20260080376A1Enhanced image transaction processing solution and architecture
Publication Date: 2026.03.19 FIDELITY INFORMATION SERVICES LLC
  • US20260080376A1 patent drawing
  • US20260080376A1 patent drawing
  • US20260080376A1 patent drawing

AI summary

Systems and methods, and computer readable media for image transaction processing are disclosed. The method receives an input of images of documents. The method may then analyze the input using an image processing engine to determine attributes associated with the images of the documents and identify an account linked to the attributes and a transaction associated with the account. The method may also evaluate confidence level of association links between the transaction and the account based on confidence scores of the attributes that may identify a type of the attribute.The method may use the transaction and account to split the images of documents into sets of images of documents with each set of images with confidence level of an association link between the transaction and the account associated with them being greater than a threshold value.