Remote Deposit Image Processing for Multiple Items
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Solution Overview
Problem
Financial institution customers face burdensome, time-consuming, and costly processes when depositing cash and checks, requiring visits to traditional deposit locations such as banking centers or ATMs.
Innovation Solution
A method and apparatus that allows customers to deposit multiple items using a remote capture device, such as a camera phone or flatbed scanner, by capturing an image of the items, which is then processed to extract relevant information and credit the account, eliminating the need for physical visits to traditional deposit locations.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If customers use traditional deposit locations (banking centers, ATMs) to deposit items, then deposit transactions can be completed with reliable verification, but customers must travel to these locations which consumes time and increases costs
Solution Approach 1:
The patent uses optical copying to capture images of deposit items with a remote capture device, creating digital representations that can be processed and verified without physical handling. The system captures images, extracts information from these copies, and uses them to complete the deposit transaction, eliminating the need for customers to physically transport items to traditional deposit locations.
2Measurement precision
If customers capture individual images of each deposit item separately, then each item can be verified accurately, but the process becomes time-consuming and complex
Solution Approach 1:
The patent segments the image processing task by first capturing an image containing multiple deposit items, then dividing and processing different portions of the image separately. The system identifies individual items within the composite image, extracts information from each item's relevant portions, and processes them through different functions as needed, maintaining accuracy while simplifying the overall capture process.
Solution Approach 2:
The patent merges multiple deposit items into a single captured image, allowing the system to process multiple items simultaneously. By combining the capture of multiple items in one action and then separating them during processing, the system reduces the number of capture operations required while maintaining the ability to verify each item accurately.
3Loss of information
If the system processes all portions of the captured image, then complete information can be extracted from all deposit items, but processing time increases when some portions are unsatisfactory
Solution Approach 1:
The patent applies partial action by processing only the satisfactory portions of the image that contain usable deposit item information. When portions of the image are determined to be unsatisfactory, the system applies a function to those portions rather than attempting full processing, thereby maintaining processing speed while still extracting complete necessary information from the valid portions.
Data Source
AI summary
Embodiments of the present invention relate to methods and apparatuses for processing an image that shows multiple deposit items, where the image was captured by a remote capture device. For example, some embodiments provide a method that includes: (a) receiving an image that shows multiple deposit items, where the image was captured by a remote capture device; (b) determining that a first portion of the image is satisfactory for identifying deposit item information therein; (c) determining that a second portion of the image is unsatisfactory for identifying deposit item information therein; and (d) performing a function based at least partially on the determining that the second portion of the image is unsatisfactory for identifying deposit item information therein. In some embodiments, the function includes enhancing the second portion of the image. In other embodiments, the function includes prompting a user of the remote capture device to capture a second image to replace the second portion of the image.