Substitute Check Creation Using Grayscale Image Data
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Solution Overview
Problem
Existing image-based check depositing ATMs often capture check images of suspect quality, leading to high costs due to the need for service operators to dispatch and retrieve checks for exception processing.
Innovation Solution
A method is introduced to create a substitute check using grayscale image data from remote check image capture devices, allowing for the generation of a substitute check if the binary image is deemed unusable, thereby reducing the need for physical check retrieval.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Productivity
If check image data is captured remotely at the ATM, then processing efficiency is improved and physical transport is reduced, but image quality may become suspect requiring service operator dispatch
Solution Approach 1:
The patent creates a substitute check as a copy of the original check using grayscale image data captured at the ATM. This substitute check serves as a reliable replacement that eliminates the need for service operators to physically retrieve checks with suspect image quality, thereby maintaining processing efficiency while ensuring reliability through the creation of an acceptable substitute document.
Solution Approach 2:
The system performs preliminary assessment of binary image quality at the ATM before physical transport occurs. When suspect quality is detected, the grayscale image is immediately used to create a substitute check, preventing the need for later service operator intervention and ensuring image quality requirements are met before leaving the remote location.
2Reliability
If service operators are dispatched to retrieve checks with suspect image quality, then image quality reliability is improved, but operational cost and time increase
Solution Approach 1:
Instead of dispatching service operators to retrieve original checks, the system creates substitute checks from grayscale image data captured at the ATM. This copying approach ensures image quality reliability is maintained while eliminating the time loss associated with service operator dispatch and physical check retrieval.
Solution Approach 2:
The system performs self-service by automatically creating substitute checks when binary image quality is suspect. The ATM uses its own grayscale image capture capability to produce acceptable quality images without external intervention, eliminating the need for service operator time and reducing operational delays.
3Reliability
If service operators are dispatched to retrieve checks with suspect image quality, then image quality reliability is improved, but operational cost increases
Solution Approach 1:
The system creates substitute checks from grayscale images captured at the ATM, eliminating the need for costly service operator dispatches. This copying mechanism ensures image quality reliability is maintained while significantly reducing operational costs associated with personnel travel and exception processing.
Solution Approach 2:
The ATM system performs self-service by automatically generating acceptable quality substitute checks using its onboard grayscale imaging capability. This eliminates the need for expensive service operator intervention, reducing operational energy loss and costs while maintaining image quality standards.
Data Source
AI summary
A method is provided of an institution creating a substitute check using check image data from a remote check image capture device. The method comprises receiving from the remote check image capture device binary image data which is representative of a binary image of a check, receiving from the remote check image capture device grayscale image data which is representative of a grayscale image of the check, determining if the binary image of the check is usable, and creating a substitute check based upon the grayscale image data if the binary image of the check is determined to be unusable.