Programmable Overlay for Negotiable Instrument Keying
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Solution Overview
Problem
The processing of negotiable instruments, such as checks, often faces challenges in reconciling documents with corresponding accounts, particularly when irregularities like bad micro line reads or outdated check stock occur, leading to difficulties in matching documents to accounts for processing.
Innovation Solution
A system that uses optical character recognition to identify indicia on negotiable instruments, generates X and Y axis coordinates, and overlays highlights or masks on the display to aid in keying, allowing for real-time visualization and processing of exceptions, including highlighting legal tender lines or masking non-public information.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Adaptability or versatility
If individuals manually reconcile documents with accounts, then flexibility in handling exceptions is improved, but processing speed and productivity deteriorate
Solution Approach 1:
The system segments the document processing workflow into automated recognition components (OCR, coordinate identification, overlay generation) and human review components (exception handling, keying). This segmentation allows routine processing to be automated while preserving human flexibility for complex exceptions, thereby improving both productivity and adaptability.
2Loss of information
If the entire negotiable instrument is displayed for keying, then complete information availability is improved, but focus on critical areas deteriorates
Solution Approach 1:
The system applies local quality by generating visual overlays (highlights, masks, blurs) that modify specific regions of the negotiable instrument display. Critical areas such as legal tender lines are highlighted to draw operator attention, while non-public information is masked or blurred. This selective modification maintains complete information availability while improving ease of operation by directing focus to critical areas.
3Measurement precision
If sensitive information is displayed during processing, then processing accuracy is improved, but security and confidentiality deteriorate
Solution Approach 1:
The system implements dynamic display control where the visibility of sensitive information changes based on processing context. Non-public information is selectively masked or blurred during display to operators, while the underlying data remains available for processing. This dynamic approach maintains processing accuracy by preserving data integrity while mitigating security risks through context-aware information concealment.
Data Source
AI summary
Embodiments of the invention include systems, methods, and computer-program products for generating an overlay of a highlight or mask of a negotiable instrument on a representative's display for keying the instrument. The system overlays and changes the display of a representative's computer screen in real-time for improved keying instruments by generating highlighting or masking of specified portions of the instrument. The invention generates a grid including an X and Y axis on the instrument and identifies the parameter coordinates for the various indicia on the instrument. The invention may contain code for highlighting or masking various indicia on the instrument using the parameter coordinates for mapping. A programmed overlay may be performed on an image of the instrument in real-time as it is queued onto a representative's display. Upon completion of the representative's keying of the instrument, the overlay is removed for storage of the image of the instrument.