Mobile Document Image Validation Using Native ML Models

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Solution Overview

Problem

Existing mobile operations software programs face performance issues and crashes due to reliance on third-party libraries for image capture and validation, struggle with accurately capturing images meeting specific criteria like brightness, contrast, and rectangular format, and lack effective validation of document security features and user identity in remote check deposit systems.

Innovation Solution

Implement a mobile application that leverages native image processing software (e.g., Apple VisionKit®) for client-side image processing and validation, using machine-learning models to identify documents and attributes, and validate dimensions, brightness, and contrast, without relying on third-party libraries.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Productivity

If third-party libraries are used for image capture and validation, then functionality is provided, but processing efficiency decreases and system stability deteriorates due to performance issues and crashes

Engineering Contradiction:
Improveprocessing efficiencyVSAvoidsystem stability
Core Design Contradiction:
ProductivityVSReliability

Solution Approach 1:

The patent extracts the image processing functionality from third-party libraries and implements it using native device capabilities and machine learning models. The system removes the problematic third-party library dependency by directly utilizing the device's native camera, image processing software, and machine learning frameworks to perform document capture, validation, and analysis functions.

Inventive Principle:
Principle #2Taking out (Extraction)

Solution Approach 2:

The system enables the device to serve itself by using native machine learning models and built-in image processing capabilities to perform document validation without external library assistance. The device's own hardware and software resources are leveraged to capture, process, and validate documents, eliminating the need for third-party dependencies.

Inventive Principle:
Principle #25Self-service

2Manufacturing precision

If third-party libraries are used for image processing, then image capture functionality is provided, but processing accuracy deteriorates due to inability to meet specific criteria like brightness, contrast, and rectangular format

Engineering Contradiction:
Improveimage capture accuracyVSAvoidprocessing complexity
Core Design Contradiction:
Manufacturing precisionVSDevice complexity

Solution Approach 1:

The system performs preliminary actions by pre-defining validation criteria for document images including brightness thresholds, contrast requirements, and aspect ratio specifications. Before processing images, the system establishes these quality standards and uses them to guide the capture and validation process, ensuring images meet specific criteria before being accepted for further processing.

Inventive Principle:
Principle #10Preliminary action

Solution Approach 2:

The patent replaces manual or library-based image processing mechanisms with machine learning-based automated processing. The system uses trained machine learning models to automatically assess image quality, validate document characteristics, and determine compliance with brightness, contrast, and format requirements, substituting complex mechanical processing with intelligent algorithmic evaluation.

Inventive Principle:
Principle #28Mechanics substitution (Replace mechanical system)

3Ease of operation

If remote deposit capture is offered to improve convenience, then user accessibility is improved, but validation capability deteriorates due to difficulty in verifying user identity and check authenticity

Engineering Contradiction:
Improveuser accessibilityVSAvoidvalidation accuracy
Core Design Contradiction:
Ease of operationVSMeasurement precision

Solution Approach 1:

The system implements multi-functionality by integrating multiple validation capabilities into a single remote deposit capture platform. It simultaneously performs user identity verification through machine learning analysis, document authenticity validation by detecting security features, image quality assessment, and deposit processing. This universal approach maintains convenience while enhancing validation accuracy through multiple concurrent verification functions.

Inventive Principle:
Principle #6Universality (Multi-functionality)

Solution Approach 2:

The patent introduces machine learning models as intermediaries between the user and the validation process. These models act as mediators that analyze image data, detect security features, verify document characteristics, and provide validation decisions without requiring direct human intervention. This intermediary layer enables automated, accurate validation while preserving the convenience of remote deposit capture.

Inventive Principle:
Principle #24Intermediary (Mediator)

4Measurement precision

If detailed instructions are provided to users to improve validation accuracy, then validation capability is improved, but ease of operation deteriorates due to reduced convenience

Engineering Contradiction:
Improvevalidation accuracyVSAvoiduser convenience
Core Design Contradiction:
Measurement precisionVSEase of operation

Solution Approach 1:

The system enables self-service by using machine learning models to automatically perform validation tasks without requiring user instructions. The models independently analyze captured images, detect security features, verify document characteristics, and determine validation outcomes. Users simply capture images and the system handles all validation processes automatically, maintaining convenience while achieving high accuracy.

Inventive Principle:
Principle #25Self-service

Solution Approach 2:

The patent replaces manual validation processes that would require user instructions with automated machine learning-based validation. The system substitutes human-guided validation with intelligent algorithms that automatically assess document authenticity, verify security features, and make validation decisions, eliminating the need for detailed user instructions while maintaining or improving accuracy.

Inventive Principle:
Principle #28Mechanics substitution (Replace mechanical system)

Data Source

PatentUS12608743B2Machine-learning models for image processing
Publication Date: 2026.04.21 CITIBANK N A
  • US12608743B2 patent drawing
  • US12608743B2 patent drawing
  • US12608743B2 patent drawing

AI summary

Presented herein are systems and methods for the employment of machine learning models for image processing. A mobile application for client-side image processing and validation, which interacts with and leverages native image processing software of the client device, where the image processing software and the mobile application include any number of machine-learning models for identifying a document and attributes of the document for recognition and validation. This mobile application uses the image processing software from a client operating system to control the camera. The image processing software generates various types of information about a video frame and the document, and the mobile application invokes APIs or software libraries of the image processing software to access the information and validate the frame and document.