Managed Video Capture With Flip Detection for Remote Deposits
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Solution Overview
Problem
Current remote deposit systems require users to capture multiple images of checks, which can be inefficient and consume system resources, and may lead to poor image quality issues, duplicate presentations, and potential fraud.
Innovation Solution
A system that processes live camera video of a financial instrument using flip detection and active OCR to simplify image capture by detecting and processing the flip of a check within a video stream, allowing real-time or near-real-time data extraction of check data fields.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Measurement precision
If multiple images are captured using traditional remote deposit systems, then comprehensive data extraction can be achieved, but system resources are consumed and image quality issues occur
Solution Approach 1:
The system captures a continuous video stream of the check instead of requiring multiple discrete images. The camera remains active and continuously captures frames as the check is inserted and flipped, eliminating gaps in data collection and ensuring comprehensive coverage without requiring repeated capture operations.
Solution Approach 2:
The system performs preliminary actions by capturing video frames before and during the check flipping operation. By anticipating the flip action and capturing frames in advance, the system ensures that both sides of the check are captured without requiring additional post-flip image captures, thereby conserving system resources.
2Loss of information
If multiple images are captured, then complete check data can be extracted, but duplicate presentations and fraud risks increase
Solution Approach 1:
The continuous video capture ensures that each check is captured exactly once in its entirety as it is inserted and flipped, eliminating the possibility of duplicate presentations. The system maintains continuous monitoring throughout the entire deposit process, making it difficult for fraudulent activities to occur undetected.
Solution Approach 2:
The system uses flip detection to identify when the check has been flipped and automatically adjusts capture operations accordingly. This feedback mechanism ensures that the system captures the correct side of the check at the correct time, preventing duplicate captures and potential fraud while maintaining data completeness.
3Productivity
If traditional image capture methods are used, then users can deposit checks, but the process is inefficient and user experience is poor
Solution Approach 1:
The system automatically captures the entire check deposit process in continuous video frames, eliminating the need for users to manually trigger multiple image captures. The camera continuously records as the user inserts and flips the check, making the process simpler and more efficient while improving user experience.
Solution Approach 2:
The system performs self-service by automatically detecting when the check is inserted and flipped, and automatically capturing the appropriate frames without requiring user intervention. The flip detection mechanism autonomously controls the capture process, reducing the burden on users and improving overall efficiency.
Data Source
AI summary
A computer implemented method, system, and non-transitory computer-readable device that may be used in a remote deposit environment. Upon receiving a user request, based on interactions with the UI, the method implements an electronic deposit of a financial instrument by activating a camera on the client device to generate a live video stream of image data of a field of view of at least one camera, wherein the live video stream includes imagery of at least a portion of each side of the financial instrument. The method continues by extracting data fields based on the formation of image objects of each side of the financial instrument from the live video stream of image data. Based on a shape or a shape rate of change of the financial instrument, a flip detection pauses the forming of image objects during the flip.