Payment Instrument Image Area Contrast Adjustment
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Solution Overview
Problem
In check processing, payment instrument images often have regions of low contrast, making them unsuitable for electronic processing, which can lead to costly physical processing, potential fraud, and delays in transaction clearing.
Innovation Solution
A system and method allowing independent adjustment of different areas of a payment instrument image, enabling users to update contrast values of specific areas, creating a clearer bi-tonal image suitable for electronic processing while preventing fraud by limiting user modifications.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Manufacturing precision
If a single global contrast value is applied to the entire payment instrument image, then the processing is simple and fast, but regions of low contrast remain unclear and unsuitable for electronic processing
Solution Approach 1:
The payment instrument image is divided into multiple selectable regions, allowing independent contrast adjustment for each region. This segmentation enables precise control over image quality in different areas without requiring complex global processing.
Solution Approach 2:
Different contrast values are applied to different regions of the image based on their specific quality requirements. This local quality approach ensures that each region receives the appropriate contrast adjustment needed for electronic processing while maintaining overall image integrity.
2Manufacturing precision
If users are allowed to freely modify any part of the payment instrument image, then image quality can be improved, but the risk of fraud increases
Solution Approach 1:
The image is segmented into distinct regions that can be independently selected and adjusted. This segmentation allows the system to track and control modifications to specific regions, maintaining an audit trail that prevents fraudulent alterations while enabling necessary quality improvements.
Solution Approach 2:
The system provides feedback mechanisms to monitor and control user modifications. By tracking which regions are selected and what contrast adjustments are applied, the system can verify that modifications are appropriate and prevent fraudulent changes to critical payment instrument data.
3Manufacturing precision
If the entire image is processed to improve contrast, then overall image quality improves, but processing time and computational resources increase
Solution Approach 1:
By segmenting the image into selectable regions, the system can apply contrast processing only to the specific regions that need improvement rather than processing the entire image. This significantly reduces processing time and computational resource requirements while maintaining image quality where needed.
Solution Approach 2:
The system applies contrast adjustment only to the extent necessary - specifically to the regions that require quality improvement for electronic processing. This partial action approach avoids unnecessary processing of already adequate regions, optimizing the balance between image quality and processing efficiency.
Data Source
AI summary
The present disclosure involves systems, software, and computer-implemented methods for allowing independent adjustment for different areas of a payment instrument image. An example method includes receiving an original payment instrument image associated with a tangible payment instrument; creating a clearing payment instrument image based on the original payment instrument image associated with a first contrast value; presenting the clearing payment instrument image in a user interface in response to creating the clearing payment instrument image; in response to presenting the clearing payment instrument image: receiving an indication of an area of the clearing payment instrument image from the user interface; receiving an indication of a second contrast value to which to update the indicated area from the user interface; and updating a contrast value of the indicated area of the clearing payment instrument image to the second contrast value.