Remote Check Deposit Multi-Capture With Geometric Image Matching

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Solution Overview

Problem

Existing technologies face challenges in effectively capturing clear, unobstructed images of both sides of multiple documents, particularly checks, during remote deposit capture, due to issues like piggybacking, blurry images, and manual matching of front and back sides, which are time-consuming and prone to errors.

Innovation Solution

The system employs image correction, rejection alerts, and automated front-to-back side matching using geometrical features to pair images of checks, utilizing scanners and cameras for video capture, and automatic image processing to ensure clarity and alignment.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Productivity

If multiple checks are scanned using existing technologies, then the capture process can handle multiple documents, but the images suffer from piggybacking, blurriness, and require manual matching which is time-consuming and error-prone

Engineering Contradiction:

Improvecapture process efficiencyVSAvoidimage quality and matching accuracy

Core Design Contradiction:

ProductivityVSManufacturing precision

Solution Approach 1:

The patent replaces manual mechanical operations (physically handling checks, manually matching front and back images) with automated optical and computational systems. The scanner captures images automatically, and image processing algorithms perform the matching function that previously required human visual inspection and manual pairing, thereby eliminating manual labor while maintaining or improving accuracy.

Inventive Principle:

Principle #28Mechanics substitution (Replace mechanical system)

Solution Approach 2:

The patent creates digital copies of physical checks through scanning, producing multiple image representations (front side, back side, individual check images, composite images). These digital copies enable automated processing, analysis, and matching without requiring handling of the original physical documents, improving both efficiency and precision.

Inventive Principle:

Principle #26Copying

2Reliability

If manual matching of front and back sides is performed, then image pairing can be done, but the process is time-consuming and prone to errors

Engineering Contradiction:

Improvematching accuracyVSAvoidtime for depositing checks

Core Design Contradiction:

ReliabilityVSLoss of time

Solution Approach 1:

The patent substitutes manual visual matching with automated image processing algorithms that compare front and back images using computational methods. These algorithms can rapidly analyze image features, detect corresponding elements, and pair images accurately without human intervention, eliminating both time consumption and human error.

Inventive Principle:

Principle #28Mechanics substitution (Replace mechanical system)

Solution Approach 2:

The system performs self-matching of image pairs through automated processing. The image processing module independently analyzes and pairs front and back images without requiring external manual intervention, enabling the system to service itself in the matching task and dramatically reducing processing time while maintaining high accuracy.

Inventive Principle:

Principle #25Self-service

3Manufacturing precision

If clear, unobstructed images of both sides of multiple documents are captured, then image quality improves, but the complexity of handling piggybacking and alignment increases

Engineering Contradiction:

Improveimage clarity and alignmentVSAvoidimage processing complexity

Core Design Contradiction:

Manufacturing precisionVSDevice complexity

Solution Approach 1:

The patent performs preliminary image processing operations such as detecting piggybacking conditions, identifying check boundaries, and pre-aligning images before final matching. By addressing potential problems in advance through automated detection and correction steps, the system simplifies subsequent processing while ensuring high image quality without requiring complex manual intervention.

Inventive Principle:

Principle #10Preliminary action

Data Source

PatentUS12437274B2Multi-capture for remote deposit via scanner

Publication Date: 2025.10.07 WELLS FARGO BANK NA

AI summary

Systems and techniques may be used to perform multi-capture for remote deposit via scanner. For example, a technique may include scanning a first side and a second side of a plurality of checks, and comparing geometrical features of the first side of each check of the plurality of checks to geometrical features of the second side of each check of the plurality of checks. Based on the comparison, the technique may include selecting an image from a first set of respective individual images that corresponds to an image from a second set of respective individual images to form a pair of images, the pair of images representing a single check of the plurality of checks, and outputting the pair of images.