Payment Coupon Processing Region Configuration
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Solution Overview
Problem
Current payment processing systems for scanned checks and payment coupons lack efficiency in interpreting and processing image data, leading to inefficiencies in settlement and account management.
Innovation Solution
A computer-implemented system and method that configures payment processing by allowing users to designate regions on a sample payment coupon and define how scanned information is interpreted, generating configuration information for subsequent processing, enabling accurate and efficient electronic deposit and account management.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Productivity
If automated interpretation of scanned payment coupons is implemented, then processing speed is improved, but accuracy of information extraction deteriorates due to lack of customization
Solution Approach 1:
The system allows dynamic configuration of interpretation rules for different payment coupon formats. Users can customize how scanned information is interpreted based on specific coupon layouts, making the automated system adaptable to various formats while maintaining both speed and accuracy.
Solution Approach 2:
The system enables changing interpretation parameters and rules based on the specific payment coupon being processed. By allowing users to define custom interpretation rules for different regions and formats, the system maintains high processing speed while adapting to different coupon types to ensure accurate information extraction.
2Device complexity
If generic scanning interpretation is used, then system complexity is reduced, but processing accuracy deteriorates due to inability to handle various coupon formats
Solution Approach 1:
The system divides the payment coupon into distinct regions (such as customer information region, payment amount region, etc.) and applies specific interpretation rules to each region. This segmentation allows the system to handle various coupon formats accurately without requiring complete redesign of the interpretation system.
Solution Approach 2:
The system provides dynamic configuration capabilities that allow users to define custom interpretation rules for different regions and formats. This maintains relatively simple system architecture while enabling accurate processing of diverse coupon types through user-defined parameters.
3Measurement precision
If manual configuration of interpretation rules is implemented, then processing accuracy is improved, but time consumption increases during setup
Solution Approach 1:
The system provides pre-configured interpretation templates and default rules for common payment coupon formats. Users can start with these pre-set configurations and only need to make minor adjustments for their specific needs, significantly reducing setup time while maintaining processing accuracy.
Solution Approach 2:
The system includes self-configuring capabilities that allow users to easily define and modify interpretation rules through intuitive interfaces. This reduces the time investment required for configuration while ensuring accurate processing through user-specific customization.
Data Source
AI summary
A computer-implemented system and method configure a payment processing system to interpret image data from scanned payment coupons. A screen display is generated for presentation to a recipient of payments, such as a business. The screen display shows a sample payment coupon. Configuration information is received that is generated based on user inputs. The user inputs designate a region of the sample payment coupon and define how scanned information in the designated region is to be interpreted.