Electronic Transfer Instrument Imaging for Real-Time Validation
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Solution Overview
Problem
Conventional techniques for resource transfers require manual processing of transfer instruments, leading to delayed detection of inconsistencies or errors, which can cause electronic transfers to fail, and expose sensitive data as human-readable characters vulnerable to unauthorized use.
Innovation Solution
An automated system that captures image data using a camera or scanner to create electronic transfer instruments, processes it in real-time for error detection and security, and encodes data to be non-human readable, utilizing neural networks for image analysis and segmentation.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Productivity
If manual processing of transfer instruments is used, then ease of operation is maintained, but productivity is reduced and errors are not detected in real-time
Solution Approach 1:
The system automatically captures images of transfer instruments, performs OCR recognition, validates data, and generates electronic transfer instruments without requiring manual data entry or processing by users. The system serves itself by handling the entire workflow from image capture to electronic instrument generation, improving productivity while maintaining ease of operation.
Solution Approach 2:
The patent replaces manual mechanical processing with automated image capture and optical character recognition systems. Cameras or scanners capture images, and OCR software automatically extracts and validates data, substituting human manual operations with automated technological systems to enhance processing speed and accuracy.
2Reliability
If data is encoded in non-human readable form, then security is improved, but ease of operation deteriorates due to reduced readability
Solution Approach 1:
The system uses machine-encoded content elements as an intermediary between the captured image data and the final electronic transfer instrument. The OCR system extracts human-readable text from images, converts it to machine-encoded elements for processing and validation, and then generates the final electronic instrument. This intermediary encoding process enhances security while maintaining operational ease through automated processing.
3Manufacturing precision
If multiple images are captured manually, then manufacturing precision of image data is improved, but loss of time increases
Solution Approach 1:
The system continuously captures images in sequence rather than requiring manual capture of individual images. The continuous image stream allows the system to process multiple frames automatically, selecting the highest quality images for transfer instrument generation. This continuous action reduces total capture time while maintaining or improving image quality through automated selection of optimal frames.
Solution Approach 2:
The system performs preliminary evaluation of captured images to determine suitability for generating transfer instruments before final processing. By pre-assessing image quality, focus, and completeness during the capture sequence, the system can immediately identify suitable images and proceed with processing, eliminating the need for multiple manual capture attempts and reducing overall time loss.
Data Source
AI summary
Disclosed are systems and methods for generating electronic instruments that implement electronic transfers. The system converts instruments to an electronic format using an imaging source. The image data is processed to determine content elements and segments of the electronic transfer instrument and to extract transfer data. The transfer data is validated to facilitate secure, accurate execution of the electronic transfer.