09 - Appareils et instruments scientifiques et électriques
42 - Services scientifiques, technologiques et industriels, recherche et conception
Produits et services
Computer, software for document, imaging, intelligent, character, and image, recognition, and for document image, character and format, analysis; downloadable software for document imaging, intelligent, character and image, recognition, and for document image, character and format, analysis Providing temporary use of on-line non-downloadable software for identity verification; software as a service (SaaS) services, namely, hosting software for use by others for identity verification; providing temporary use of on-line non-downloadable, software for identity verification to re-authenticate verified users through use of biometrics to log back into a software application, services and buildings, without the need for passwords
09 - Appareils et instruments scientifiques et électriques
42 - Services scientifiques, technologiques et industriels, recherche et conception
Produits et services
Computer software for document imaging, intelligent character and image recognition, and for document image, character and format analysis; downloadable software for document imaging, intelligent character and image recognition, and for document image, character and format analysis Providing temporary use of on-line non-downloadable software for identity verification; software as a service (SaaS) services, namely, hosting software for use by others for identity verification; providing temporary use of on-line non-downloadable, software for identity verification to re-authenticate verified users through use of biometrics to log back into a software application, services and buildings, without the need for passwords
09 - Appareils et instruments scientifiques et électriques
Produits et services
Computer software for document imaging, intelligent character and image recognition, and for document image, character and format analysis for use in detection of fraud; downloadable software for document imaging, intelligent character and image recognition, and for document image, character and format analysis for use in detection of fraud
4.
MOBILE IMAGE QUALITY ASSURANCE IN MOBILE DOCUMENT IMAGE PROCESSING APPLICATIONS
Techniques for assuring the quality of mobile document image captured using a mobile device are provided. These techniques include performing one or more tests to assess the quality of images of documents captured using the mobile device. The tests can be selected based on the type of document that was imaged, the type of mobile application for which the image quality of the mobile image is being assessed, and/or other parameters such as the type of mobile device and/or the characteristics of the camera of the mobile device that was used to capture the image. The image quality assurance techniques can also be implemented on can be implemented on a mobile device and/or on a remote server where the mobile device routes the mobile image to the remote server processing and the test results are be passed from the remote server to the mobile device.
Systems and methods for integrating mobile image capture with an internet browser application on a mobile device are provided, wherein a user viewing a web page via the internet browser application can initiate a mobile image capture process on the mobile device through the web page, capture images with a mobile image capture user interface, and then provide secure access to the captured images for the web page in order to utilize the content of the captured images. The mobile image capture process is accessible through any internet browser application via the mobile device and allows any service running on a web page to benefit from the ability to capture an image on the mobile device and obtain the content of the image through mobile image processing. The browser-based mobile image capture allows mobile devices which do not run certain third party applications to utilize mobile image capture and processing.
Systems and methods for using a mobile device to submit an application for an insurance policy using images of documents captured by the mobile device are provided herein. The information is then used by an insurance company to generate a quote which is then displayed to the user on the mobile device. A user captures images of one or more documents containing information needed to complete an insurance application, after which the information on the documents is extracted and sent to the insurance company where a quote for the insurance policy can be developed. The quote can then be transmitted back to the user. Applications on the mobile device are configured to capture images of the documents needed for an insurance application, such as a driver's license, insurance information card or a vehicle identification number (VIN). The images are then processed to extract the information needed for the insurance application.
A system comprising: a check Image Record (CIR) database configured to store, for each of a plurality of accounts, a CIR, wherein each CIR comprises feature information related to features extracted from a plurality of reference checks associated with the associated account of the plurality of accounts; memory configured to store instructions; and a processor coupled with the CIR database and the memory, the processor configured to run the instructions, which cause the processor to: receive an image of a test check associated with an account of the plurality of accounts, extract feature information from the image, compare the features with the feature information stored in the CIR database for the account associated with the test check, generate a fraud score, and update each CIR by determining.
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
G07D 7/206 - Mise en correspondance de motifs types
Systems and methods for mobile enrollment in automated clearing house (ACH) transactions using mobile-captured images of financial documents are provided. Applications running on a mobile device provide for the capture and processing of images of documents needed for enrollment in an ACH transaction, such as a blank check, remittance statement and driver's license. Data from the mobile-captured images that is needed for enrolling in ACH transactions is extracted from the processed images, such as a user's name, address, bank account number and bank routing number. The user can edit the extracted data, select the type of document that is being captured, authorize the creation of an ACH transaction and select an originator of the ACH transaction. The extracted data and originator information is transmitted to a remote server along with the user's authorization so the ACH transaction can be setup between the originator's and receiver's bank accounts.
G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil
G06Q 20/02 - Architectures, schémas ou protocoles de paiement impliquant un tiers neutre, p.ex. une autorité de certification, un notaire ou un tiers de confiance
Systems and methods for user identification (ID) document verification are provided. An exemplary method includes receiving, by a client device, an image of an ID document. Based on the image of the ID document, a determination is made whether the ID document includes a near-field communications (NFC) chip that stores an ID photo associated with the ID document. Based on this determination of whether the ID document includes an NFC chip, the ID document is verified by selectively using at least one of NFC chip authentication and optical authentication, to obtain a verification result.
G06Q 50/00 - Systèmes ou procédés spécialement adaptés à un secteur particulier d’activité économique, p.ex. aux services d’utilité publique ou au tourisme
G06V 40/00 - Reconnaissance de formes biométriques, liées aux êtres humains ou aux animaux, dans les données d’image ou vidéo
10.
Systems and Methods for Aligning Documents With Near Field Communication Devices
Systems and methods for aligning a mobile device and a document are disclosed. An exemplary method comprises the steps of determining a model identifier from the mobile device; associating the model identifier with a device configuration from a source; receiving an image of the document taken by the camera of the mobile device; identifying a document type; associating the document type with a document configuration from the source; selecting an alignment feedback schema based on the device configuration and the document configuration; generating alignment feedback based on the image processing; detecting for a data connection between the mobile device and the document; and generating a connection indication when the data connection is detected.
G06K 7/10 - Méthodes ou dispositions pour la lecture de supports d'enregistrement par radiation corpusculaire
G06Q 50/00 - Systèmes ou procédés spécialement adaptés à un secteur particulier d’activité économique, p.ex. aux services d’utilité publique ou au tourisme
11.
SYSTEMS AND METHODS FOR MOBILE IMAGE CAPTURE AND CONTENT PROCESSING OF DRIVER'S LICENSES
Systems and methods are provided for processing and extracting content from an image captured using a mobile device. In one embodiment, an image is captured by a mobile device and corrected to improve the quality of the image. The corrected image is then further processed by adjusting the image, identifying the format and layout of the document, binarizing the image and extracting the content using optical character recognition (OCR). Multiple methods of image adjusting may be implemented to accurately assess features of the document, and a secondary layout identification process may be performed to ensure that the content being extracted is properly classified.
G06V 30/40 - Reconnaissance des formes à partir d’images axée sur les documents
G07C 9/00 - Enregistrement de l’entrée ou de la sortie d'une entité isolée
H04N 1/00 - Balayage, transmission ou reproduction de documents ou similaires, p.ex. transmission de fac-similés; Leurs détails
G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil
G06V 10/28 - Quantification de l’image, p.ex. seuillage par histogramme visant à discriminer entre les formes d’arrière-plan et d’avant-plan
G06V 10/32 - Normalisation des dimensions de la forme
G06V 10/24 - Alignement, centrage, détection de l’orientation ou correction de l’image
G06V 30/412 - Analyse de mise en page de documents structurés avec des lignes imprimées ou des zones de saisie, p.ex. de formulaires ou de tableaux d’entreprise
12.
SYSTEMS AND METHODS FOR AUTOMATIC IMAGE CAPTURE ON A MOBILE DEVICE
Real-time evaluation and enhancement of image quality prior to capturing an image of a document on a mobile device is provided. An image capture process is initiated on a mobile device during which a user of the mobile device prepares to capture the image of the document, utilizing hardware and software on the mobile device to measure and achieve optimal parameters for image capture. Feedback may be provided to a user of the mobile device to instruct the user on how to manually optimize certain parameters relating to image quality, such as the angle, motion and distance of the mobile device from the document. When the optimal parameters for image capture of the document are achieved, at least one image of the document is automatically captured by the mobile device.
Systems and methods for identification (ID) document verification using hybrid near-field communications (NFC) authentication and optical authentication are provided. An exemplary method includes receiving, by a client device, an image of an ID document. Based on the image of the ID document, a determination is made whether the ID document includes a near-field communications (NFC) chip that stores data comprising identifying information for an owner of the identification. Based on this determination of whether the ID document includes an NFC chip, the ID document is verified by selectively using at least one of NFC chip authentication and optical authentication, to obtain a verification result.
G06Q 50/00 - Systèmes ou procédés spécialement adaptés à un secteur particulier d’activité économique, p.ex. aux services d’utilité publique ou au tourisme
14.
Systems and methods for mobile automated clearing house enrollment
Systems and methods for mobile enrollment in automated clearing house (ACH) transactions using mobile-captured images of financial documents are provided. Applications running on a mobile device provide for the capture and processing of images of documents needed for enrollment in an ACH transaction, such as a blank check, remittance statement and driver's license. Data from the mobile-captured images that is needed for enrolling in ACH transactions is extracted from the processed images, such as a user's name, address, bank account number and bank routing number. The user can edit the extracted data, select the type of document that is being captured, authorize the creation of an ACH transaction and select an originator of the ACH transaction. The extracted data and originator information is transmitted to a remote server along with the user's authorization so the ACH transaction can be setup between the originator's and receiver's bank accounts.
G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil
G06Q 20/02 - Architectures, schémas ou protocoles de paiement impliquant un tiers neutre, p.ex. une autorité de certification, un notaire ou un tiers de confiance
G06V 10/28 - Quantification de l’image, p.ex. seuillage par histogramme visant à discriminer entre les formes d’arrière-plan et d’avant-plan
G06V 10/32 - Normalisation des dimensions de la forme
G06V 10/24 - Alignement, centrage, détection de l’orientation ou correction de l’image
H04N 1/00 - Balayage, transmission ou reproduction de documents ou similaires, p.ex. transmission de fac-similés; Leurs détails
A system comprising: a check image Record (CIR) database configured to store, for each of a plurality of accounts, a CIR, wherein each CIR comprises feature information related to features extracted from a plurality of reference checks associated with the associated account of the plurality of accounts; memory configured to store instructions; and a processor coupled with the CIR database and the memory, the processor configured to run the instructions, which cause the processor to: receive an image of a test check associated with an account of the plurality of accounts, extract feature information from the image, compare the features with the feature information stored in the CIR database for the account associated with the test check, generate a fraud score, and update each CIR by determining.
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
G07D 7/206 - Mise en correspondance de motifs types
42 - Services scientifiques, technologiques et industriels, recherche et conception
Produits et services
Providing temporary use of online non-downloadable software
for identity verification; software as a service (SaaS)
services, namely, hosting software for use by others for
identity verification; providing temporary use of online
non-downloadable software for identity verification to
re-authenticate verified users through use of biometrics to
log back into a software application or service or building,
without the need for passwords.
17.
Methods for mobile image capture of vehicle identification numbers in a non-document
Various embodiments disclosed herein are directed to methods of capturing Vehicle Identification Numbers (VIN) from images captured by a mobile device. Capturing VIN data can be useful in several applications, for example, insurance data capture applications. There are at least two types of images supported by this technology: (1) images of documents and (2) images of non-documents.
G06V 30/262 - Techniques de post-traitement, p.ex. correction des résultats de la reconnaissance utilisant l’analyse contextuelle, p.ex. le contexte lexical, syntaxique ou sémantique
G06V 30/40 - Reconnaissance des formes à partir d’images axée sur les documents
G06V 10/22 - Prétraitement de l’image par la sélection d’une région spécifique contenant ou référençant une forme; Localisation ou traitement de régions spécifiques visant à guider la détection ou la reconnaissance
G06V 10/28 - Quantification de l’image, p.ex. seuillage par histogramme visant à discriminer entre les formes d’arrière-plan et d’avant-plan
G06V 10/98 - Dispositions pour la reconnaissance ou la compréhension d’images ou de vidéos Évaluation de la qualité des motifs acquis
42 - Services scientifiques, technologiques et industriels, recherche et conception
Produits et services
Providing temporary use of online non downloadable software
for identity verification; software as a service (SaaS)
services, namely, hosting software for use by others for
identity verification.
42 - Services scientifiques, technologiques et industriels, recherche et conception
Produits et services
Providing temporary use of online non downloadable software
for identity verification; software as a service (SaaS)
services, namely, hosting software for use by others for
identity verification.
42 - Services scientifiques, technologiques et industriels, recherche et conception
Produits et services
(1) Providing temporary use of online non-downloadable software for identity verification; software as a service (SaaS) services, namely, hosting software for use by others for identity verification; providing temporary use of online non-downloadable software for identity verification to re-authenticate verified users through use of biometrics to log back into a software application or service or building, without the need for passwords.
42 - Services scientifiques, technologiques et industriels, recherche et conception
Produits et services
Providing temporary use of online non-downloadable software for identity verification; providing temporary use of online non-downloadable software for identity verification to re-authenticate verified users through use of biometrics to log back into a software applications, services and buildings, without the need for passwords
42 - Services scientifiques, technologiques et industriels, recherche et conception
Produits et services
(1) Providing temporary use of online non downloadable software for identity verification; software as a service (SaaS) services, namely, hosting software for use by others for identity verification.
42 - Services scientifiques, technologiques et industriels, recherche et conception
Produits et services
(1) Providing temporary use of online non downloadable software for identity verification; software as a service (SaaS) services, namely, hosting software for use by others for identity verification.
42 - Services scientifiques, technologiques et industriels, recherche et conception
Produits et services
providing temporary use of online non downloadable software for identity verification; software as a service (SaaS) services, namely, hosting software for use by others for identity verification
42 - Services scientifiques, technologiques et industriels, recherche et conception
Produits et services
providing temporary use of online non downloadable software for identity verification; software as a service (SaaS) services, namely, hosting software for use by others for identity verification
26.
SYSTEMS AND METHODS FOR ENROLLMENT AND IDENTITY MANAGEMENT USING MOBILE IMAGING
Systems and methods for automatic enrollment and identity verification based upon processing a captured image of a document are disclosed herein. Various embodiments enable, for example, a user to enroll in a particular service by taking a photograph of a particular document (e.g., his driver license) with a mobile device. One or more algorithms can then extract relevant data from the captured image. The extracted data (e.g., the person's name, gender, date of birth, height, weight, etc.) can then be used to automatically populate various fields of an enrollment application, thereby reducing the amount of information that the user has to manually input into his mobile device in order to complete the enrollment process. In some embodiments, a set of internal and/or external checks can be run against the data to ensure that the data is valid, has been read correctly, and is consistent with other data.
G06K 9/00 - Méthodes ou dispositions pour la lecture ou la reconnaissance de caractères imprimés ou écrits ou pour la reconnaissance de formes, p.ex. d'empreintes digitales
G06K 9/18 - Méthodes ou dispositions pour la lecture ou la reconnaissance de caractères imprimés ou écrits ou pour la reconnaissance de formes, p.ex. d'empreintes digitales utilisant des caractères imprimés pourvus de marques de codage additionnelles ou comportant des marques de codage, p.ex. le caractère étant composé de barres distinctes de formes différentes, chacune représentant une valeur de code différente
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
G06K 9/03 - Détection ou correction d'erreurs, p.ex. par une seconde exploration
G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil
27.
SYSTEMS AND METHODS FOR CLASSIFYING PAYMENT DOCUMENTS DURING MOBILE IMAGE PROCESSING
Systems and methods are provided for processing an image of a financial payment document captured using a mobile device and classifying the type of payment document in order to extract the content therein. These methods may be implemented on a mobile device or a central server, and can be used to identify content on the payment document and determine whether the payment document is ready to be processed by a business or financial institution. The system can identify the type of payment document by identifying features on the payment document and performing a series of steps to determine probabilities that the payment document belongs to a specific document type. The identification steps are arranged starting with the fastest step in order to attempt to quickly determine the payment document type without requiring lengthy, extensive analysis.
G06K 9/00 - Méthodes ou dispositions pour la lecture ou la reconnaissance de caractères imprimés ou écrits ou pour la reconnaissance de formes, p.ex. d'empreintes digitales
G06K 9/18 - Méthodes ou dispositions pour la lecture ou la reconnaissance de caractères imprimés ou écrits ou pour la reconnaissance de formes, p.ex. d'empreintes digitales utilisant des caractères imprimés pourvus de marques de codage additionnelles ou comportant des marques de codage, p.ex. le caractère étant composé de barres distinctes de formes différentes, chacune représentant une valeur de code différente
Systems and methods for using a mobile device to submit an application for an insurance policy using images of documents captured by the mobile device are provided herein. The information is then used by an insurance company to generate a quote which is then displayed to the user on the mobile device. A user captures images of one or more documents containing information needed to complete an insurance application, after which the information on the documents is extracted and sent to the insurance company where a quote for the insurance policy can be developed. The quote can then be transmitted back to the user. Applications on the mobile device are configured to capture images of the documents needed for an insurance application, such as a driver's license, insurance information card or a vehicle identification number (VIN). The images are then processed to extract the information needed for the insurance application.
Systems and methods for integrating mobile image capture with an internet browser application on a mobile device are provided, wherein a user viewing a web page via the internet browser application can initiate a mobile image capture process on the mobile device through the web page, capture images with a mobile image capture user interface, and then provide secure access to the captured images for the web page in order to utilize the content of the captured images. The mobile image capture process is accessible through any internet browser application via the mobile device and allows any service running on a web page to benefit from the ability to capture an image on the mobile device and obtain the content of the image through mobile image processing. The browser-based mobile image capture allows mobile devices which do not run certain third party applications to utilize mobile image capture and processing.
Systems and methods are provided for assessing whether mobile deposit processing engines meet specified standards for mobile deposit of financial documents. A mobile deposit processing engine (MDE) is evaluated to determine if it can perform technical capabilities for improving the quality of and extracting content from an image of a financial document. A verification process then begins, where the MDE performs the image quality enhancements and text extraction steps on sets of images from a test deck. The results of the processing of the test deck are then evaluated by comparing confidence levels with thresholds to determine if each set of images should be accepted or rejected. Further analysis determines whether any of the sets of images were falsely accepted or rejected in error. An overall error rate is then compared with minimum accuracy criteria, and if the criteria are met, the MDE meets the standard for mobile deposit.
G06K 9/00 - Méthodes ou dispositions pour la lecture ou la reconnaissance de caractères imprimés ou écrits ou pour la reconnaissance de formes, p.ex. d'empreintes digitales
G06K 9/18 - Méthodes ou dispositions pour la lecture ou la reconnaissance de caractères imprimés ou écrits ou pour la reconnaissance de formes, p.ex. d'empreintes digitales utilisant des caractères imprimés pourvus de marques de codage additionnelles ou comportant des marques de codage, p.ex. le caractère étant composé de barres distinctes de formes différentes, chacune représentant une valeur de code différente
G06K 9/03 - Détection ou correction d'erreurs, p.ex. par une seconde exploration
G06K 9/32 - Alignement ou centrage du capteur d'image ou de la zone image
31.
Systems and methods for updating an image registry for use in fraud detection related to financial documents
A system comprising: a check Image Record (CIR) database configured to store, for each of a plurality of accounts, a CIR, wherein each CIR comprises feature information related to features extracted from a plurality of reference checks associated with the associated account of the plurality of accounts; memory configured to store instructions; and a processor coupled with the CIR database and the memory, the processor configured to run the instructions, which cause the processor to: receive an image of a test check associated with an account of the plurality of accounts, extract feature information from the image, compare the features with the feature information stored in the CIR database for the account associated with the test check, generate a fraud score, and update each CIR by determining.
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
G07D 7/206 - Mise en correspondance de motifs types
Techniques for processing images of documents captured using a mobile device are provided. The images can include different sides of a document from a mobile device for an authenticated transaction. In an example implementation, a method incudes inspecting the images to detect a feature associated with a first side of the document. In response to determining an image is the first side of the document, a type of content is selected to be analyze on the image of the first side and one or more of regions of interests (ROIs) are identified on the image of the first side that are known to include the selected type of content. A process can include receiving a sub-image of the image of the first side from the preprocessing unit, and performing content detection test on the sub-image.
Self-sovereign identity systems and methods for identification documents are disclosed herein. An example method includes transmitting data obtained from a near-field communications (NFC) chip of an object to the service provider. The data can include identifying information for an owner of the object. The method can include receiving a user identity packet from the service provider that is generated by the service provider based on verification of an identity of the owner and validity of the NFC chip, storing the user identity packet on a computing device, receiving a request from a first requesting device or service for the data stored on the NFC chip of the object and transmitting the user identity packet from the computing device to the first requesting device or service instead of the data.
G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
H04L 9/32 - Dispositions pour les communications secrètes ou protégées; Protocoles réseaux de sécurité comprenant des moyens pour vérifier l'identité ou l'autorisation d'un utilisateur du système
34.
ALIGNMENT OF ANTENNAS ON NEAR FIELD COMMUNICATION DEVICES FOR COMMUNICATION
A method for aligning NFC antennas on a mobile device and document. The method comprises determining the mobile device model identifier, associating the model identifier with a configuration, determining a model type and determining the document configuration in relation to its NFC components, selecting an feedback schema for aligning the NFC antennas based on the device and document configuration, generating alignment feedback according to the alignment feedback schema, detecting a data connection between the mobile device and the document and generating a connection indication. The determining the document type can be performed by reading a Machine Readable Zone. The feedback schema can be coupled with the mobile device's video camera and display, audio, and haptic feedback.
Systems and methods for identification (ID) document verification using hybrid near-field communications (NFC) authentication and optical authentication are provided. An exemplary method includes receiving, by a client device, an image of an ID document. Based on the image of the ID document, a determination is made whether the ID document includes a near-field communications (NFC) chip that stores data comprising identifying information for an owner of the identification. Based on this determination of whether the ID document includes an NFC chip, the ID document is verified by selectively using at least one of NFC chip authentication and optical authentication, to obtain a verification result.
G06K 7/10 - Méthodes ou dispositions pour la lecture de supports d'enregistrement par radiation corpusculaire
G06K 9/00 - Méthodes ou dispositions pour la lecture ou la reconnaissance de caractères imprimés ou écrits ou pour la reconnaissance de formes, p.ex. d'empreintes digitales
G06Q 50/00 - Systèmes ou procédés spécialement adaptés à un secteur particulier d’activité économique, p.ex. aux services d’utilité publique ou au tourisme
G06T 11/60 - Edition de figures et de texte; Combinaison de figures ou de texte
36.
Systems and methods for enrollment and identity management using mobile imaging
Systems and methods for automatic enrollment and identity verification based upon processing a captured image of a document are disclosed herein. Various embodiments enable, for example, a user to enroll in a particular service by taking a photograph of a particular document (e.g., his driver license) with a mobile device. One or more algorithms can then extract relevant data from the captured image. The extracted data (e.g., the person's name, gender, date of birth, height, weight, etc.) can then be used to automatically populate various fields of an enrollment application, thereby reducing the amount of information that the user has to manually input into his mobile device in order to complete the enrollment process. In some embodiments, a set of internal and/or external checks can be run against the data to ensure that the data is valid, has been read correctly, and is consistent with other data.
G06K 9/00 - Méthodes ou dispositions pour la lecture ou la reconnaissance de caractères imprimés ou écrits ou pour la reconnaissance de formes, p.ex. d'empreintes digitales
G06K 9/18 - Méthodes ou dispositions pour la lecture ou la reconnaissance de caractères imprimés ou écrits ou pour la reconnaissance de formes, p.ex. d'empreintes digitales utilisant des caractères imprimés pourvus de marques de codage additionnelles ou comportant des marques de codage, p.ex. le caractère étant composé de barres distinctes de formes différentes, chacune représentant une valeur de code différente
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
G06K 9/03 - Détection ou correction d'erreurs, p.ex. par une seconde exploration
G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil
37.
Mobile image quality assurance in mobile document image processing applications
Techniques for assuring the quality of mobile document image captured using a mobile device are provided. These techniques include performing one or more tests to assess the quality of images of documents captured using the mobile device. The tests can be selected based on the type of document that was imaged, the type of mobile application for which the image quality of the mobile image is being assessed, and/or other parameters such as the type of mobile device and/or the characteristics of the camera of the mobile device that was used to capture the image. The image quality assurance techniques can also be implemented on can be implemented on a mobile device and/or on a remote server where the mobile device routes the mobile image to the remote server processing and the test results are be passed from the remote server to the mobile device.
Various embodiments disclosed herein are directed to methods of capturing Vehicle Identification Numbers (VIN) from images captured by a mobile device. Capturing VIN data can be useful in several applications, for example, insurance data capture applications. There are at least two types of images supported by this technology: (1) images of documents and (2) images of non-documents.
G06V 30/262 - Techniques de post-traitement, p.ex. correction des résultats de la reconnaissance utilisant l’analyse contextuelle, p.ex. le contexte lexical, syntaxique ou sémantique
G06V 10/22 - Prétraitement de l’image par la sélection d’une région spécifique contenant ou référençant une forme; Localisation ou traitement de régions spécifiques visant à guider la détection ou la reconnaissance
G06V 10/28 - Quantification de l’image, p.ex. seuillage par histogramme visant à discriminer entre les formes d’arrière-plan et d’avant-plan
G06V 10/56 - Extraction de caractéristiques d’images ou de vidéos relative à la couleur
G06V 10/98 - Dispositions pour la reconnaissance ou la compréhension d’images ou de vidéos Évaluation de la qualité des motifs acquis
G06V 30/40 - Reconnaissance des formes à partir d’images axée sur les documents
39.
Alignment of antennas on near field communication devices for communication
A method for aligning NFC antennas on a mobile device and document. The method comprises determining the mobile device model identifier, associating the model identifier with a configuration, determining a model type and determining the document configuration in relation to its NFC components, selecting an feedback schema for aligning the NFC antennas based on the device and document configuration, generating alignment feedback according to the alignment feedback schema, detecting a data connection between the mobile device and the document and generating a connection indication. The determining the document type can be performed by reading a Machine Readable Zone. The feedback schema can be coupled with the mobile device's video camera and display, audio, and haptic feedback.
G06Q 50/00 - Systèmes ou procédés spécialement adaptés à un secteur particulier d’activité économique, p.ex. aux services d’utilité publique ou au tourisme
40.
SELF-SOVEREIGN IDENTITY SYSTEMS AND METHODS FOR IDENTIFICATION DOCUMENTS
Self-sovereign identity systems and methods for identification documents are disclosed herein. An example method includes transmitting data obtained from a near-field communications (NFC) chip of an object to the service provider. The data can include identifying information for an owner of the object. The method can include receiving a user identity packet from the service provider that is generated by the service provider based on verification of an identity of the owner and validity of the NFC chip, storing the user identity packet on a computing device, receiving a request from a first requesting device or service for the data stored on the NFC chip of the object and transmitting the user identity packet from the computing device to the first requesting device or service instead of the data.
G06K 7/10 - Méthodes ou dispositions pour la lecture de supports d'enregistrement par radiation corpusculaire
G06Q 50/00 - Systèmes ou procédés spécialement adaptés à un secteur particulier d’activité économique, p.ex. aux services d’utilité publique ou au tourisme
Systems and methods for identification (ID) document verification using hybrid near-field communications (NFC) authentication and optical authentication are provided. An exemplary method includes receiving, by a client device, an image of an ID document. Based on the image of the ID document, a determination is made whether the ID document includes a near-field communications (NFC) chip that stores data comprising identifying information for an owner of the identification. Based on this determination of whether the ID document includes an NFC chip, the ID document is verified by selectively using at least one of NFC chip authentication and optical authentication, to obtain a verification result.
G06Q 50/00 - Systèmes ou procédés spécialement adaptés à un secteur particulier d’activité économique, p.ex. aux services d’utilité publique ou au tourisme
42.
Systems and methods for mobile image capture and content processing of driver's licenses
Systems and methods are provided for processing and extracting content from an image captured using a mobile device. In one embodiment, an image is captured by a mobile device and corrected to improve the quality of the image. The corrected image is then further processed by adjusting the image, identifying the format and layout of the document, binarizing the image and extracting the content using optical character recognition (OCR). Multiple methods of image adjusting may be implemented to accurately assess features of the document, and a secondary layout identification process may be performed to ensure that the content being extracted is properly classified.
G06V 30/40 - Reconnaissance des formes à partir d’images axée sur les documents
G07C 9/00 - Enregistrement de l’entrée ou de la sortie d'une entité isolée
H04N 1/00 - Balayage, transmission ou reproduction de documents ou similaires, p.ex. transmission de fac-similés; Leurs détails
G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil
G06V 10/28 - Quantification de l’image, p.ex. seuillage par histogramme visant à discriminer entre les formes d’arrière-plan et d’avant-plan
G06V 10/32 - Normalisation des dimensions de la forme
G06V 10/24 - Alignement, centrage, détection de l’orientation ou correction de l’image
G06V 30/412 - Analyse de mise en page de documents structurés avec des lignes imprimées ou des zones de saisie, p.ex. de formulaires ou de tableaux d’entreprise
Real-time evaluation and enhancement of image quality prior to capturing an image of a document on a mobile device is provided. An image capture process is initiated on a mobile device during which a user of the mobile device prepares to capture the image of the document, utilizing hardware and software on the mobile device to measure and achieve optimal parameters for image capture. Feedback may be provided to a user of the mobile device to instruct the user on how to manually optimize certain parameters relating to image quality, such as the angle, motion and distance of the mobile device from the document. When the optimal parameters for image capture of the document are achieved, at least one image of the document is automatically captured by the mobile device.
Systems and methods are provided for processing an image of a financial payment document captured using a mobile device and classifying the type of payment document in order to extract the content therein. These methods may be implemented on a mobile device or a central server, and can be used to identify content on the payment document and determine whether the payment document is ready to be processed by a business or financial institution. The system can identify the type of payment document by identifying features on the payment document and performing a series of steps to determine probabilities that the payment document belongs to a specific document type. The identification steps are arranged starting with the fastest step in order to attempt to quickly determine the payment document type without requiring lengthy, extensive analysis.
G06K 9/00 - Méthodes ou dispositions pour la lecture ou la reconnaissance de caractères imprimés ou écrits ou pour la reconnaissance de formes, p.ex. d'empreintes digitales
G06K 9/18 - Méthodes ou dispositions pour la lecture ou la reconnaissance de caractères imprimés ou écrits ou pour la reconnaissance de formes, p.ex. d'empreintes digitales utilisant des caractères imprimés pourvus de marques de codage additionnelles ou comportant des marques de codage, p.ex. le caractère étant composé de barres distinctes de formes différentes, chacune représentant une valeur de code différente
Techniques for processing images of documents captured using a mobile device are provided. The images can include different sides of a document from a mobile device for an authenticated transaction. In an example implementation, a method includes inspecting the images to detect a feature associated with a first side of the document. In response to determining an image is the first side of the document, a type of content is selected to be analyze on the image of the first side and one or more of regions of interests (ROIs) are identified on the image of the first side that are known to include the selected type of content. A process can include receiving a sub-image of the image of the first side from the preprocessing unit, and performing content detection test on the sub-image.
G06K 9/00 - Méthodes ou dispositions pour la lecture ou la reconnaissance de caractères imprimés ou écrits ou pour la reconnaissance de formes, p.ex. d'empreintes digitales
G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil
Various embodiments disclosed herein are directed to methods of capturing Vehicle Identification Numbers (VIN) from images captured by a mobile device. Capturing VIN data can be useful in several applications, for example, insurance data capture applications. There are at least two types of images supported by this technology: (1) images of documents and (2) images of non-documents.
G06K 9/00 - Méthodes ou dispositions pour la lecture ou la reconnaissance de caractères imprimés ou écrits ou pour la reconnaissance de formes, p.ex. d'empreintes digitales
G06K 9/34 - Découpage des formes se touchant ou se chevauchant dans la zone image
G06K 9/03 - Détection ou correction d'erreurs, p.ex. par une seconde exploration
G06K 9/38 - Quantification du signal image analogique
G06K 9/72 - Méthodes ou dispositions pour la reconnaissance utilisant des moyens électroniques utilisant une analyse de contexte basée sur l'identité provisoire attribuée à une série de formes successives, p.ex. d'un mot
G06K 9/46 - Extraction d'éléments ou de caractéristiques de l'image
47.
Systems and methods for mobile automated clearing house enrollment
Systems and methods for mobile enrollment in automated clearing house (ACH) transactions using mobile-captured images of financial documents are provided. Applications running on a mobile device provide for the capture and processing of images of documents needed for enrollment in an ACH transaction, such as a blank check, remittance statement and driver's license. Data from the mobile-captured images that is needed for enrolling in ACH transactions is extracted from the processed images, such as a user's name, address, bank account number and bank routing number. The user can edit the extracted data, select the type of document that is being captured, authorize the creation of an ACH transaction and select an originator of the ACH transaction. The extracted data and originator information is transmitted to a remote server along with the user's authorization so the ACH transaction can be setup between the originator's and receiver's bank accounts.
G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil
G06K 9/38 - Quantification du signal image analogique
G06K 9/32 - Alignement ou centrage du capteur d'image ou de la zone image
G06K 9/42 - Normalisation des dimensions de la forme
G06Q 20/02 - Architectures, schémas ou protocoles de paiement impliquant un tiers neutre, p.ex. une autorité de certification, un notaire ou un tiers de confiance
H04N 1/00 - Balayage, transmission ou reproduction de documents ou similaires, p.ex. transmission de fac-similés; Leurs détails
Systems and methods are provided for processing an image of a financial payment document captured using a mobile device and classifying the type of payment document in order to extract the content therein. These methods may be implemented on a mobile device or a central server, and can be used to identify content on the payment document and determine whether the payment document is ready to be processed by a business or financial institution. The system can identify the type of payment document by identifying features on the payment document and performing a series of steps to determine probabilities that the payment document belongs to a specific document type. The identification steps are arranged starting with the fastest step in order to attempt to quickly determine the payment document type without requiring lengthy, extensive analysis.
G06K 9/00 - Méthodes ou dispositions pour la lecture ou la reconnaissance de caractères imprimés ou écrits ou pour la reconnaissance de formes, p.ex. d'empreintes digitales
G06K 9/18 - Méthodes ou dispositions pour la lecture ou la reconnaissance de caractères imprimés ou écrits ou pour la reconnaissance de formes, p.ex. d'empreintes digitales utilisant des caractères imprimés pourvus de marques de codage additionnelles ou comportant des marques de codage, p.ex. le caractère étant composé de barres distinctes de formes différentes, chacune représentant une valeur de code différente
49.
Systems and methods for assessing standards for mobile image quality
Methods and systems are provided for defining and determining a formal and verifiable mobile document image quality and usability (MDIQU) standard, or Standard for short. The Standard ensures that a mobile image can be used in an appropriate mobile document processing application, for example an application for mobile check deposit. In order to quantify the usability, the Standard establishes 5 quality and usability grades. A mobile image capture device can capture images. A mobile device can receive information associated with one or more image quality assurance (IQA) criteria; evaluating the images to select an image satisfying an image quality criteria based on the received information; and in response to the image satisfying the image quality score, sending the selected image to determine a set of image quality assurance (IQA) scores.
G06K 9/00 - Méthodes ou dispositions pour la lecture ou la reconnaissance de caractères imprimés ou écrits ou pour la reconnaissance de formes, p.ex. d'empreintes digitales
G06K 9/03 - Détection ou correction d'erreurs, p.ex. par une seconde exploration
50.
Systems and methods for mobile image capture and content processing of driver's licenses
Systems and methods are provided for processing and extracting content from an image captured using a mobile device. In one embodiment, an image is captured by a mobile device and corrected to improve the quality of the image. The corrected image is then further processed by adjusting the image, identifying the format and layout of the document, binarizing the image and extracting the content using optical character recognition (OCR). Multiple methods of image adjusting may be implemented to accurately assess features of the document, and a secondary layout identification process may be performed to ensure that the content being extracted is properly classified.
G06K 9/62 - Méthodes ou dispositions pour la reconnaissance utilisant des moyens électroniques
G06K 9/00 - Méthodes ou dispositions pour la lecture ou la reconnaissance de caractères imprimés ou écrits ou pour la reconnaissance de formes, p.ex. d'empreintes digitales
G07C 9/00 - Enregistrement de l’entrée ou de la sortie d'une entité isolée
H04N 1/00 - Balayage, transmission ou reproduction de documents ou similaires, p.ex. transmission de fac-similés; Leurs détails
G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil
G06K 9/32 - Alignement ou centrage du capteur d'image ou de la zone image
G06K 9/38 - Quantification du signal image analogique
G06K 9/42 - Normalisation des dimensions de la forme
Methods and systems are provided for end-to-end text recognition in digitized documents of handwritten characters over multiple lines without explicit line segmentation. An image is received. Based on the image, one or more feature maps are determined. Each of the one or more feature maps include one or more feature vectors. Based at least in part on the one or more feature maps, one or more scalar scores are determined. Based on the one or more scalar scores, one or more attention weights are determined. By applying the one or more attention weights to each of the one or more feature vectors, one or more image summary vectors are determined. Based at least in part on the one or more image summary vectors, one or more handwritten characters are determined.
G06K 9/00 - Méthodes ou dispositions pour la lecture ou la reconnaissance de caractères imprimés ou écrits ou pour la reconnaissance de formes, p.ex. d'empreintes digitales
G06K 9/46 - Extraction d'éléments ou de caractéristiques de l'image
Techniques for assuring the quality of mobile document image captured using a mobile device are provided. These techniques include performing one or more tests to assess the quality of images of documents captured using the mobile device. The tests can be selected based on the type of document that was imaged, the type of mobile application for which the image quality of the mobile image is being assessed, and/or other parameters such as the type of mobile device and/or the characteristics of the camera of the mobile device that was used to capture the image. The image quality assurance techniques can also be implemented on can be implemented on a mobile device and/or on a remote server where the mobile device routes the mobile image to the remote server processing and the test results are be passed from the remote server to the mobile device.
G06K 9/00 - Méthodes ou dispositions pour la lecture ou la reconnaissance de caractères imprimés ou écrits ou pour la reconnaissance de formes, p.ex. d'empreintes digitales
G06K 9/03 - Détection ou correction d'erreurs, p.ex. par une seconde exploration
G06K 9/32 - Alignement ou centrage du capteur d'image ou de la zone image
53.
Systems and methods for developing and verifying image processing standards for mobile deposit
Systems and methods are provided for assessing whether mobile deposit processing engines meet specified standards for mobile deposit of financial documents. A mobile deposit processing engine (MDE) is evaluated to determine if it can perform technical capabilities for improving the quality of and extracting content from an image of a financial document. A verification process then begins, where the MDE performs the image quality enhancements and text extraction steps on sets of images from a test deck. The results of the processing of the test deck are then evaluated by comparing confidence levels with thresholds to determine if each set of images should be accepted or rejected. Further analysis determines whether any of the sets of images were falsely accepted or rejected in error. An overall error rate is then compared with minimum accuracy criteria, and if the criteria are met, the MDE meets the standard for mobile deposit.
G06K 9/00 - Méthodes ou dispositions pour la lecture ou la reconnaissance de caractères imprimés ou écrits ou pour la reconnaissance de formes, p.ex. d'empreintes digitales
G06K 9/18 - Méthodes ou dispositions pour la lecture ou la reconnaissance de caractères imprimés ou écrits ou pour la reconnaissance de formes, p.ex. d'empreintes digitales utilisant des caractères imprimés pourvus de marques de codage additionnelles ou comportant des marques de codage, p.ex. le caractère étant composé de barres distinctes de formes différentes, chacune représentant une valeur de code différente
G06K 9/03 - Détection ou correction d'erreurs, p.ex. par une seconde exploration
G06K 9/32 - Alignement ou centrage du capteur d'image ou de la zone image
54.
Methods for mobile image capture of vehicle identification numbers in a non-document
Various embodiments disclosed herein are directed to methods of capturing Vehicle Identification Numbers (VIN) from images captured by a mobile device. Capturing VIN data can be useful in several applications, for example, insurance data capture applications. There are at least two types of images supported by this technology: (1) images of documents and (2) images of non-documents.
G06K 9/00 - Méthodes ou dispositions pour la lecture ou la reconnaissance de caractères imprimés ou écrits ou pour la reconnaissance de formes, p.ex. d'empreintes digitales
G06K 9/34 - Découpage des formes se touchant ou se chevauchant dans la zone image
G06K 9/03 - Détection ou correction d'erreurs, p.ex. par une seconde exploration
G06K 9/38 - Quantification du signal image analogique
G06K 9/72 - Méthodes ou dispositions pour la reconnaissance utilisant des moyens électroniques utilisant une analyse de contexte basée sur l'identité provisoire attribuée à une série de formes successives, p.ex. d'un mot
G06K 9/46 - Extraction d'éléments ou de caractéristiques de l'image
55.
Systems and methods for obtaining insurance offers using mobile image capture
Systems and methods for using a mobile device to submit an application for an insurance policy using images of documents captured by the mobile device are provided herein. The information is then used by an insurance company to generate a quote which is then displayed to the user on the mobile device. A user captures images of one or more documents containing information needed to complete an insurance application, after which the information on the documents is extracted and sent to the insurance company where a quote for the insurance policy can be developed. The quote can then be transmitted back to the user. Applications on the mobile device are configured to capture images of the documents needed for an insurance application, such as a driver's license, insurance information card or a vehicle identification number (VIN). The images are then processed to extract the information needed for the insurance application.
Systems and methods are provided for processing and extracting content from an image captured using a mobile device. In one embodiment, an image is captured by a mobile device and corrected to improve the quality of the image. The corrected image is then further processed by adjusting the image, identifying the format and layout of the document, binarizing the image and extracting the content using optical character recognition (OCR). Multiple methods of image adjusting may be implemented to accurately assess features of the document, and a secondary layout identification process may be performed to ensure that the content being extracted is properly classified.
G06K 9/00 - Méthodes ou dispositions pour la lecture ou la reconnaissance de caractères imprimés ou écrits ou pour la reconnaissance de formes, p.ex. d'empreintes digitales
G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil
G06K 9/32 - Alignement ou centrage du capteur d'image ou de la zone image
G06K 9/38 - Quantification du signal image analogique
G06K 9/42 - Normalisation des dimensions de la forme
G07C 9/00 - Enregistrement de l’entrée ou de la sortie d'une entité isolée
H04N 1/00 - Balayage, transmission ou reproduction de documents ou similaires, p.ex. transmission de fac-similés; Leurs détails
Techniques for processing images of documents captured using a mobile device are provided. The images can include different sides of a document from a mobile device for an authenticated transaction. In an example implementation, a method includes inspecting the images to detect a feature associated with a first side of the document. In response to determining an image is the first side of the document, a type of content is selected to be analyze on the image of the first side and one or more of regions of interests (ROIs) are identified on the image of the first side that are known to include the selected type of content. A process can include receiving a sub-image of the image of the first side from the preprocessing unit, and performing content detection test on the sub-image.
Methods and systems are provided for defining and determining a formal and verifiable mobile document image quality and usability (MDIQU) standard, or Standard for short. The Standard ensures that a mobile image can be used in an appropriate mobile document processing application, for example an application for mobile check deposit. In order to quantify the usability, the Standard establishes 5 quality and usability grades. A mobile image capture device can capture images. A mobile device can receive information associated with one or more image quality assurance (IQA) criteria; evaluating the images to select an image satisfying an image quality criteria based on the received information; and in response to the image satisfying the image quality score, sending the selected image to determine a set of image quality assurance (IQA) scores.
G06K 9/00 - Méthodes ou dispositions pour la lecture ou la reconnaissance de caractères imprimés ou écrits ou pour la reconnaissance de formes, p.ex. d'empreintes digitales
G06K 9/03 - Détection ou correction d'erreurs, p.ex. par une seconde exploration
59.
Methods for mobile image capture of vehicle identification numbers in a non-document
Various embodiments disclosed herein are directed to methods of capturing Vehicle Identification Numbers (VIN) from images captured by a mobile device. Capturing VIN data can be useful in several applications, for example, insurance data capture applications. There are at least two types of images supported by this technology: (1) images of documents and (2) images of non-documents.
G06K 9/00 - Méthodes ou dispositions pour la lecture ou la reconnaissance de caractères imprimés ou écrits ou pour la reconnaissance de formes, p.ex. d'empreintes digitales
G06K 9/34 - Découpage des formes se touchant ou se chevauchant dans la zone image
G06K 9/03 - Détection ou correction d'erreurs, p.ex. par une seconde exploration
G06K 9/46 - Extraction d'éléments ou de caractéristiques de l'image
G06K 9/72 - Méthodes ou dispositions pour la reconnaissance utilisant des moyens électroniques utilisant une analyse de contexte basée sur l'identité provisoire attribuée à une série de formes successives, p.ex. d'un mot
G06K 9/38 - Quantification du signal image analogique
60.
Systems and methods for recognizing characters in digitized documents
Methods and systems are provided for end-to-end text recognition in digitized documents of handwritten characters over multiple lines without explicit line segmentation. An image is received. Based on the image, one or more feature maps are determined. Each of the one or more feature maps include one or more feature vectors. Based at least in part on the one or more feature maps, one or more scalar scores are determined. Based on the one or more scalar scores, one or more attention weights are determined. By applying the one or more attention weights to each of the one or more feature vectors, one or more image summary vectors are determined. Based at least in part on the one or more image summary vectors, one or more handwritten characters are determined.
G06K 9/34 - Découpage des formes se touchant ou se chevauchant dans la zone image
G06K 9/62 - Méthodes ou dispositions pour la reconnaissance utilisant des moyens électroniques
G06K 9/00 - Méthodes ou dispositions pour la lecture ou la reconnaissance de caractères imprimés ou écrits ou pour la reconnaissance de formes, p.ex. d'empreintes digitales
G06K 9/46 - Extraction d'éléments ou de caractéristiques de l'image
Systems and methods are provided for processing and extracting content from an image captured using a mobile device. In one embodiment, an image is captured by a mobile device and corrected to improve the quality of the image. The corrected image is then further processed by adjusting the image, identifying the format and layout of the DL, binarizing the image and extracting the content using optical character recognition (OCR). Multiple methods of image adjusting may be implemented to accurately assess features of the DL, and a secondary layout identification process may be performed to ensure that the content being extracted is properly classified.
G06K 9/00 - Méthodes ou dispositions pour la lecture ou la reconnaissance de caractères imprimés ou écrits ou pour la reconnaissance de formes, p.ex. d'empreintes digitales
G06K 9/32 - Alignement ou centrage du capteur d'image ou de la zone image
G06K 9/38 - Quantification du signal image analogique
G06K 9/42 - Normalisation des dimensions de la forme
G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil
G07C 9/00 - Enregistrement de l’entrée ou de la sortie d'une entité isolée
H04N 1/00 - Balayage, transmission ou reproduction de documents ou similaires, p.ex. transmission de fac-similés; Leurs détails
Methods and systems are provided for end-to-end text recognition in digitized documents of handwritten characters over multiple lines without explicit line segmentation. An image is received. Based on the image, one or more feature maps are determined. Each of the one or more feature maps include one or more feature vectors. Based at least in part on the one or more feature maps, one or more scalar scores are determined. Based on the one or more scalar scores, one or more attention weights are determined. By applying the one or more attention weights to each of the one or more feature vectors, one or more image summary vectors are determined. Based at least in part on the one or more image summary vectors, one or more handwritten characters are determined.
Techniques for assuring the quality of mobile document image captured using a mobile device are provided. These techniques include performing one or more tests to assess the quality of images of documents captured using the mobile device. The tests can be selected based on the type of document that was imaged, the type of mobile application for which the image quality of the mobile image is being assessed, and/or other parameters such as the type of mobile device and/or the characteristics of the camera of the mobile device that was used to capture the image. The image quality assurance techniques can also be implemented on can be implemented on a mobile device and/or on a remote server where the mobile device routes the mobile image to the remote server processing and the test results are be passed from the remote server to the mobile device.
G06K 9/00 - Méthodes ou dispositions pour la lecture ou la reconnaissance de caractères imprimés ou écrits ou pour la reconnaissance de formes, p.ex. d'empreintes digitales
G06K 9/03 - Détection ou correction d'erreurs, p.ex. par une seconde exploration
G06K 9/32 - Alignement ou centrage du capteur d'image ou de la zone image
64.
Systems and methods for assessing standards for mobile image quality
Methods are provided for defining and determining a formal and verifiable mobile document image quality and usability (MDIQU) standard, or Standard for short. The Standard ensures that a mobile image can be used in an appropriate mobile document processing application, for example an application for mobile check deposit. In order to quantify the usability, the Standard establishes 5 quality and usability grades. A mobile image is first tested to determine if the quality is sufficient to obtain content from the image by performing multiple different image quality assessment tests. If the image quality is sufficient, one or more document usability computations are made to determine if the document or content in the image is usable by a particular application. A ranking is then assigned to the image based on the results of the tests which is indicative of the quality and usability of the image.
G06K 9/00 - Méthodes ou dispositions pour la lecture ou la reconnaissance de caractères imprimés ou écrits ou pour la reconnaissance de formes, p.ex. d'empreintes digitales
G06K 9/03 - Détection ou correction d'erreurs, p.ex. par une seconde exploration
G06K 17/00 - Méthodes ou dispositions pour faire travailler en coopération des équipements couverts par plusieurs des groupes principaux , p.ex. fichiers automatiques de cartes incluant les opérations de transport et de lecture
65.
Systems and methods for capturing critical fields from a mobile image of a credit card bill
The embodiments herein focus on improving recognition accuracy of these fields on credit card bills by detecting and identifying critical fields on a credit card, extracting the data from the critical fields and comparing the data with known data on a payor, payee and biller.
G06Q 40/00 - Finance; Assurance; Stratégies fiscales; Traitement des impôts sur les sociétés ou sur le revenu
G06K 9/00 - Méthodes ou dispositions pour la lecture ou la reconnaissance de caractères imprimés ou écrits ou pour la reconnaissance de formes, p.ex. d'empreintes digitales
G06K 7/10 - Méthodes ou dispositions pour la lecture de supports d'enregistrement par radiation corpusculaire
G06K 7/14 - Méthodes ou dispositions pour la lecture de supports d'enregistrement par radiation corpusculaire utilisant la lumière sans sélection des longueurs d'onde, p.ex. lecture de la lumière blanche réfléchie
66.
Systems and methods for mobile image capture and content processing of driver's licenses
Systems and methods are provided for processing and extracting content from an image of a driver's license captured using a mobile device. In one embodiment, an image of a driver's license (DL) is captured by a mobile device and corrected to improve the quality of the image. The corrected image is then further processed by cropping the image, identifying the format and layout of the DL, binarizing the image and extracting the content using optical character recognition (OCR). Multiple methods of image cropping may be implemented to accurately assess the borders of the DL, and a secondary layout identification process may be performed to ensure that the content being extracted is properly classified.
G06K 9/00 - Méthodes ou dispositions pour la lecture ou la reconnaissance de caractères imprimés ou écrits ou pour la reconnaissance de formes, p.ex. d'empreintes digitales
G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil
G06K 9/32 - Alignement ou centrage du capteur d'image ou de la zone image
G06K 9/38 - Quantification du signal image analogique
G06K 9/42 - Normalisation des dimensions de la forme
G07C 9/00 - Enregistrement de l’entrée ou de la sortie d'une entité isolée
H04N 1/00 - Balayage, transmission ou reproduction de documents ou similaires, p.ex. transmission de fac-similés; Leurs détails
Techniques for assuring the quality of mobile document image captured using a mobile device are provided. These techniques include performing one or more tests to assess the quality of images of documents captured using the mobile device. The tests can be selected based on the type of document that was imaged, the type of mobile application for which the image quality of the mobile image is being assessed, and/or other parameters such as the type of mobile device and/or the characteristics of the camera of the mobile device that was used to capture the image. The image quality assurance techniques can also be implemented on can be implemented on a mobile device and/or on a remote server where the mobile device routes the mobile image to the remote server processing and the test results are be passed from the remote server to the mobile device.
G06K 9/00 - Méthodes ou dispositions pour la lecture ou la reconnaissance de caractères imprimés ou écrits ou pour la reconnaissance de formes, p.ex. d'empreintes digitales
G06K 9/03 - Détection ou correction d'erreurs, p.ex. par une seconde exploration
G06K 9/32 - Alignement ou centrage du capteur d'image ou de la zone image
68.
Systems and methods for capturing images using a mobile device
The systems and methods of the present disclosure enable a user to use a mobile device to automatically capture a high resolution image of a rectangular object. The methods include capturing a low resolution image of the rectangular object and detecting edges of the rectangular object in the low resolution image, where the edges form a quadrangle, calculating a coordinate of each corner of the quadrangle, calculating an average coordinate of each corner of the quadrangle in a most recent predetermined number of low resolution images, calculating a dispersion of each corner of the quadrangle in the most recent predetermined number of low resolution images from a corresponding coordinate of each calculated average coordinate, determining whether the dispersion of each corner of the quadrangle is less than a predetermined value, capturing a high resolution image of the rectangular object when it is determined that the dispersion of each corner of the quadrangle is less than the predetermined value, and geometrically transforming the quadrangle of the rectangular object in the high resolution image into a rectangle.
G06K 9/00 - Méthodes ou dispositions pour la lecture ou la reconnaissance de caractères imprimés ou écrits ou pour la reconnaissance de formes, p.ex. d'empreintes digitales
G06K 9/32 - Alignement ou centrage du capteur d'image ou de la zone image
H04N 5/232 - Dispositifs pour la commande des caméras de télévision, p.ex. commande à distance
H04N 5/357 - Traitement du bruit, p.ex. détection, correction, réduction ou élimination du bruit
G06K 9/46 - Extraction d'éléments ou de caractéristiques de l'image
G06K 9/52 - Extraction d'éléments ou de caractéristiques de l'image en déduisant des propriétés mathématiques ou géométriques de l'image complète
G06K 9/60 - Combinaison de l'obtention de l'image et des fonctions de prétraitement
G06T 3/40 - Changement d'échelle d'une image entière ou d'une partie d'image
G06T 3/20 - Translation linéaire d'une image entière ou d'une partie d'image, p.ex. décalage
Systems and methods are provided for processing an image of a financial payment document captured using a mobile device and classifying the type of payment document in order to extract the content therein. These methods may be implemented on a mobile device or a central server, and can be used to identify content on the payment document and determine whether the payment document is ready to be processed by a business or financial institution. The system can identify the type of payment document by identifying features on the payment document and performing a series of steps to determine probabilities that the payment document belongs to a specific document type. The identification steps are arranged starting with the fastest step in order to attempt to quickly determine the payment document type without requiring lengthy, extensive analysis.
G06K 9/00 - Méthodes ou dispositions pour la lecture ou la reconnaissance de caractères imprimés ou écrits ou pour la reconnaissance de formes, p.ex. d'empreintes digitales
G06K 9/18 - Méthodes ou dispositions pour la lecture ou la reconnaissance de caractères imprimés ou écrits ou pour la reconnaissance de formes, p.ex. d'empreintes digitales utilisant des caractères imprimés pourvus de marques de codage additionnelles ou comportant des marques de codage, p.ex. le caractère étant composé de barres distinctes de formes différentes, chacune représentant une valeur de code différente
The systems and methods of the present disclosure enable a user to use a mobile device to automatically capture a high resolution image of a rectangular object. The methods include capturing a low resolution image of the rectangular object and detecting edges of the rectangular object in the low resolution image, where the edges form a quadrangle, calculating a coordinate of each corner of the quadrangle, calculating an average coordinate of each corner of the quadrangle in a most recent predetermined number of low resolution images, calculating a dispersion of each corner of the quadrangle in the most recent predetermined number of low resolution images from a corresponding coordinate of each calculated average coordinate, determining whether the dispersion of each corner of the quadrangle is less than a predetermined value, capturing a high resolution image of the rectangular object when it is determined that the dispersion of each corner of the quadrangle is less than the predetermined value, and geometrically transforming the quadrangle of the rectangular object in the high resolution image into a rectangle.
Systems and methods for integrating mobile image capture with an internet browser application on a mobile device are provided, wherein a user viewing a web page via the internet browser application can initiate a mobile image capture process on the mobile device through the web page, capture images with a mobile image capture user interface, and then provide secure access to the captured images for the web page in order to utilize the content of the captured images. The mobile image capture process is accessible through any internet browser application via the mobile device and allows any service running on a web page to benefit from the ability to capture an image on the mobile device and obtain the content of the image through mobile image processing. The browser-based mobile image capture allows mobile devices which do not run certain third party applications to utilize mobile image capture and processing.
42 - Services scientifiques, technologiques et industriels, recherche et conception
Produits et services
Providing temporary use of on-line non-downloadable computer software for document imaging, intelligent character and image recognition, and document analysis
42 - Services scientifiques, technologiques et industriels, recherche et conception
Produits et services
Providing temporary use of on-line non-downloadable computer software for document imaging, intelligent character and image recognition, and document analysis
74.
Systems and methods for developing and verifying image processing standards for mobile deposit
Systems and methods are provided for assessing whether mobile deposit processing engines meet specified standards for mobile deposit of financial documents. A mobile deposit processing engine (MDE) is evaluated to determine if it can perform technical capabilities for improving the quality of and extracting content from an image of a financial document. A verification process then begins, where the MDE performs the image quality enhancements and text extraction steps on sets of images from a test deck. The results of the processing of the test deck are then evaluated by comparing confidence levels with thresholds to determine if each set of images should be accepted or rejected. Further analysis determines whether any of the sets of images were falsely accepted or rejected in error. An overall error rate is then compared with minimum accuracy criteria, and if the criteria are met, the MDE meets the standard for mobile deposit.
G06K 9/00 - Méthodes ou dispositions pour la lecture ou la reconnaissance de caractères imprimés ou écrits ou pour la reconnaissance de formes, p.ex. d'empreintes digitales
G06K 9/18 - Méthodes ou dispositions pour la lecture ou la reconnaissance de caractères imprimés ou écrits ou pour la reconnaissance de formes, p.ex. d'empreintes digitales utilisant des caractères imprimés pourvus de marques de codage additionnelles ou comportant des marques de codage, p.ex. le caractère étant composé de barres distinctes de formes différentes, chacune représentant une valeur de code différente
G06K 9/03 - Détection ou correction d'erreurs, p.ex. par une seconde exploration
G06K 9/32 - Alignement ou centrage du capteur d'image ou de la zone image
75.
Systems and methods for capturing images using a mobile device
The systems and methods of the present disclosure enable a user to use a mobile device to automatically capture a high resolution image of a rectangular object. The methods include capturing a low resolution image of the rectangular object and detecting edges of the rectangular object in the low resolution image, where the edges form a quadrangle, calculating a coordinate of each corner of the quadrangle, calculating an average coordinate of each corner of the quadrangle in a most recent predetermined number of low resolution images, calculating a dispersion of each corner of the quadrangle in the most recent predetermined number of low resolution images from a corresponding coordinate of each calculated average coordinate, determining whether the dispersion of each corner of the quadrangle is less than a predetermined value, capturing a high resolution image of the rectangular object when it is determined that the dispersion of each corner of the quadrangle is less than the predetermined value, and geometrically transforming the quadrangle of the rectangular object in the high resolution image into a rectangle.
G06K 9/00 - Méthodes ou dispositions pour la lecture ou la reconnaissance de caractères imprimés ou écrits ou pour la reconnaissance de formes, p.ex. d'empreintes digitales
G06K 9/32 - Alignement ou centrage du capteur d'image ou de la zone image
H04N 5/357 - Traitement du bruit, p.ex. détection, correction, réduction ou élimination du bruit
G06K 9/46 - Extraction d'éléments ou de caractéristiques de l'image
G06K 9/52 - Extraction d'éléments ou de caractéristiques de l'image en déduisant des propriétés mathématiques ou géométriques de l'image complète
H04N 5/232 - Dispositifs pour la commande des caméras de télévision, p.ex. commande à distance
G06K 9/60 - Combinaison de l'obtention de l'image et des fonctions de prétraitement
G06T 5/50 - Amélioration ou restauration d'image en utilisant plusieurs images, p.ex. moyenne, soustraction
76.
Systems and methods for recognizing information in objects using a mobile device
The systems and methods of the present disclosure use a mobile device equipped with a camera to capture and preprocess images of objects including financial documents, financial cards, and identification cards, and to recognize information in the images of the objects. The methods include detecting quadrangles in images of an object in an image data stream generated by the camera, capturing a first image, transforming the first image, binarizing the transformed image, recognizing information in the binarized image, and determining the validity of the recognized information. The method also includes communicating with a server of a financial institution or other organization to determine the validity of the recognized information. The mobile device may include a camera, a display to display an image data stream and captured images, a memory to store a configuration file including parameters for the preprocessing and recognition functions, captured images, and software, and a communication unit to communicate with a server of the financial institution or other organization.
G06K 9/00 - Méthodes ou dispositions pour la lecture ou la reconnaissance de caractères imprimés ou écrits ou pour la reconnaissance de formes, p.ex. d'empreintes digitales
G06K 9/78 - Combinaison de l'obtention de l'image et de fonctions de reconnaissance
G06K 9/72 - Méthodes ou dispositions pour la reconnaissance utilisant des moyens électroniques utilisant une analyse de contexte basée sur l'identité provisoire attribuée à une série de formes successives, p.ex. d'un mot
G07D 11/00 - Dispositifs acceptant des pièces de monnaie; Dispositifs acceptant, distribuant, triant ou comptant des papiers de valeur
G06K 9/36 - Prétraitement de l'image, c. à d. traitement de l'information image sans se préoccuper de l'identité de l'image
09 - Appareils et instruments scientifiques et électriques
Produits et services
Computer software for document imaging, intelligent character and image recognition, and for document image, character and format analysis; downloadable software for document imaging, intelligent character and image recognition, and for document image, character and format analysis
78.
Systems and methods for assessing standards for mobile image quality
Methods are provided for defining and determining a formal and verifiable mobile document image quality and usability (MDIQU) standard, or Standard for short. The Standard ensures that a mobile image can be used in an appropriate mobile document processing application, for example an application for mobile check deposit. In order to quantify the usability, the Standard establishes 5 quality and usability grades. A mobile image is first tested to determine if the quality is sufficient to obtain content from the image by performing multiple different image quality assessment tests. If the image quality is sufficient, one or more document usability computations are made to determine if the document or content in the image is usable by a particular application. A ranking is then assigned to the image based on the results of the tests which is indicative of the quality and usability of the image.
G06K 9/00 - Méthodes ou dispositions pour la lecture ou la reconnaissance de caractères imprimés ou écrits ou pour la reconnaissance de formes, p.ex. d'empreintes digitales
G06K 9/03 - Détection ou correction d'erreurs, p.ex. par une seconde exploration
79.
Methods for mobile image capture of vehicle identification numbers in a non-document
Various embodiments disclosed herein are directed to methods of capturing Vehicle Identification Numbers (VIN) from images captured by a mobile device. Capturing VIN data can be useful in several applications, for example, insurance data capture applications. There are at least two types of images supported by this technology: (1) images of documents and (2) images of non-documents.
G06K 9/00 - Méthodes ou dispositions pour la lecture ou la reconnaissance de caractères imprimés ou écrits ou pour la reconnaissance de formes, p.ex. d'empreintes digitales
G06K 9/34 - Découpage des formes se touchant ou se chevauchant dans la zone image
G06K 9/46 - Extraction d'éléments ou de caractéristiques de l'image
G06K 9/03 - Détection ou correction d'erreurs, p.ex. par une seconde exploration
G06K 9/38 - Quantification du signal image analogique
G06K 9/72 - Méthodes ou dispositions pour la reconnaissance utilisant des moyens électroniques utilisant une analyse de contexte basée sur l'identité provisoire attribuée à une série de formes successives, p.ex. d'un mot
80.
Systems for mobile image capture and remittance processing
The present invention relates to automated document processing and more particularly, to methods and systems for document image capture and processing using mobile devices. In accordance with various embodiments, methods and systems for document image capture on a mobile communication device are provided such that the image is optimized and enhanced for data extraction from the document as depicted. These methods and systems may comprise capturing an image of a document using a mobile communication device; transmitting the image to a server; and processing the image to create a bi-tonal image of the document for data extraction. Additionally, these methods and systems may comprise capturing a first image of a document using the mobile communication device; automatically detecting the document within the image; geometrically correcting the image; binarizing the image; correcting the orientation of the image; correcting the size of the image; and outputting the resulting image of the document.
G06K 9/00 - Méthodes ou dispositions pour la lecture ou la reconnaissance de caractères imprimés ou écrits ou pour la reconnaissance de formes, p.ex. d'empreintes digitales
G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails
G06K 9/32 - Alignement ou centrage du capteur d'image ou de la zone image
G06K 9/38 - Quantification du signal image analogique
G06K 9/42 - Normalisation des dimensions de la forme
Techniques for assuring the quality of mobile document image captured using a mobile device are provided. These techniques include performing one or more tests to assess the quality of images of documents captured using the mobile device. The tests can be selected based on the type of document that was imaged, the type of mobile application for which the image quality of the mobile image is being assessed, and/or other parameters such as the type of mobile device and/or the characteristics of the camera of the mobile device that was used to capture the image. The image quality assurance techniques can also be implemented on can be implemented on a mobile device and/or on a remote server where the mobile device routes the mobile image to the remote server processing and the test results are be passed from the remote server to the mobile device.
G06K 9/00 - Méthodes ou dispositions pour la lecture ou la reconnaissance de caractères imprimés ou écrits ou pour la reconnaissance de formes, p.ex. d'empreintes digitales
G06K 9/03 - Détection ou correction d'erreurs, p.ex. par une seconde exploration
G06K 9/32 - Alignement ou centrage du capteur d'image ou de la zone image
82.
SYSTEMS AND METHODS FOR RECOGNIZING INFORMATION IN FINANCIAL DOCUMENTS USING A MOBILE DEVICE
The systems and methods of the present disclosure use a mobile device equipped with a camera to capture and preprocess images of financial documents, and to recognize information in the images of financial documents. The methods include detecting quadrangles in images of a financial document in an image data stream generated by the camera, capturing a first image, transforming the first image, binarizing the transformed image, recognizing information in the binarized image, and determining the validity of the recognized information. The method also includes communicating with a server of the financial institution to determine the validity of the recognized information. The mobile device may include a camera, a display to display an image data stream and captured images, a memory to store a configuration file including parameters for the preprocessing and recognition functions, captured images, and software, and a communication unit to communicate with a server of the financial institution.
G06V 30/40 - Reconnaissance des formes à partir d’images axée sur les documents
H04W 4/38 - Services spécialement adaptés à des environnements, à des situations ou à des fins spécifiques pour la collecte d’informations de capteurs
G06V 30/412 - Analyse de mise en page de documents structurés avec des lignes imprimées ou des zones de saisie, p.ex. de formulaires ou de tableaux d’entreprise
83.
Systems and methods for recognizing information in objects using a mobile device
The systems and methods of the present disclosure use a mobile device equipped with a camera to capture and preprocess images of objects including financial documents, financial cards, and identification cards, and to recognize information in the images of the objects. The methods include detecting quadrangles in images of an object in an image data stream generated by the camera, capturing a first image, transforming the first image, binarizing the transformed image, recognizing information in the binarized image, and determining the validity of the recognized information. The method also includes communicating with a server of a financial institution or other organization to determine the validity of the recognized information. The mobile device may include a camera, a display to display an image data stream and captured images, a memory to store a configuration file including parameters for the preprocessing and recognition functions, captured images, and software, and a communication unit to communicate with a server of the financial institution or other organization.
G06K 9/00 - Méthodes ou dispositions pour la lecture ou la reconnaissance de caractères imprimés ou écrits ou pour la reconnaissance de formes, p.ex. d'empreintes digitales
Real-time evaluation of high quality preview images of a document prior to capturing a final image of the document on a mobile device is disclosed. In one aspect, an image capture device is activated on the mobile device. A plurality of preview images of the document is then captured, each of which has a lower image quality than a final image to be captured by the image capture device. Next, for each of the plurality of preview images, the system measures a parameter associated with the image capturing, and related to the ability to accurately extract text and other content from a captured preview image of the document. Next, the system selects a preview image among a subset of the captured preview images that passes the image quality measurement. When a predetermined condition is met, the system chooses the selected preview image as a final captured image of the document.
G06K 9/32 - Alignement ou centrage du capteur d'image ou de la zone image
G06K 9/42 - Normalisation des dimensions de la forme
G06K 9/38 - Quantification du signal image analogique
G06K 9/00 - Méthodes ou dispositions pour la lecture ou la reconnaissance de caractères imprimés ou écrits ou pour la reconnaissance de formes, p.ex. d'empreintes digitales
H04N 1/00 - Balayage, transmission ou reproduction de documents ou similaires, p.ex. transmission de fac-similés; Leurs détails
Systems and methods for matching a received image with a template image are disclosed herein. Such systems and methods can advantageously enable an image captured by a mobile device (such as a smartphone or digital camera) to be correctly identified by the processing application. In some embodiments, the received image is first resized in one or both dimensions in order to match or approximately match the dimensions of a given template. The received image and template image can then be superimposed. Next, an optimal translative transformation value can be calculated in order to generate a confidence level for the current possible match. After confidence levels for each template are generated and recorded, the template with the highest confidence level can be selected as the best match for the received image.
G06K 9/00 - Méthodes ou dispositions pour la lecture ou la reconnaissance de caractères imprimés ou écrits ou pour la reconnaissance de formes, p.ex. d'empreintes digitales
86.
System and methods for obtaining insurance offers using mobile image capture
Systems and methods for using a mobile device to submit an application for an insurance policy using images of documents captured by the mobile device are provided herein. The information is then used by an insurance company to generate a quote which is then displayed to the user on the mobile device. A user captures images of one or more documents containing information needed to complete an insurance application, after which the information on the documents is extracted and sent to the insurance company where a quote for the insurance policy can be developed. The quote can then be transmitted back to the user. Applications on the mobile device are configured to capture images of the documents needed for an insurance application, such as a driver's license, insurance information card or a vehicle identification number (VIN). The images are then processed to extract the information needed for the insurance application.
Systems and methods are provided for processing and extracting content from an image of a driver's license captured using a mobile device. In one embodiment, an image of a driver's license (DL) is captured by a mobile device and corrected to improve the quality of the image. The corrected image is then further processed by cropping the image, identifying the format and layout of the DL, binarizing the image and extracting the content using optical character recognition (OCR). Multiple methods of image cropping may be implemented to accurately assess the borders of the DL, and a secondary layout identification process may be performed to ensure that the content being extracted is properly classified.
G06K 9/00 - Méthodes ou dispositions pour la lecture ou la reconnaissance de caractères imprimés ou écrits ou pour la reconnaissance de formes, p.ex. d'empreintes digitales
G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil
G06K 9/32 - Alignement ou centrage du capteur d'image ou de la zone image
G06K 9/38 - Quantification du signal image analogique
G06K 9/42 - Normalisation des dimensions de la forme
G07C 9/00 - Enregistrement de l’entrée ou de la sortie d'une entité isolée
H04N 1/00 - Balayage, transmission ou reproduction de documents ou similaires, p.ex. transmission de fac-similés; Leurs détails
Systems and methods are provided for processing an image of a financial payment document captured using a mobile device and classifying the type of payment document in order to extract the content therein. These methods may be implemented on a mobile device or a central server, and can be used to identify content on the payment document and determine whether the payment document is ready to be processed by a business or financial institution. The system can identify the type of payment document by identifying features on the payment document and performing a series of steps to determine probabilities that the payment document belongs to a specific document type. The identification steps are arranged starting with the fastest step in order to attempt to quickly determine the payment document type without requiring lengthy, extensive analysis.
G06K 9/00 - Méthodes ou dispositions pour la lecture ou la reconnaissance de caractères imprimés ou écrits ou pour la reconnaissance de formes, p.ex. d'empreintes digitales
G06K 9/18 - Méthodes ou dispositions pour la lecture ou la reconnaissance de caractères imprimés ou écrits ou pour la reconnaissance de formes, p.ex. d'empreintes digitales utilisant des caractères imprimés pourvus de marques de codage additionnelles ou comportant des marques de codage, p.ex. le caractère étant composé de barres distinctes de formes différentes, chacune représentant une valeur de code différente
Systems and methods are provided for assessing whether mobile deposit processing engines meet specified standards for mobile deposit of financial documents. A mobile deposit processing engine (MDE) is evaluated to determine if it can perform technical capabilities for improving the quality of and extracting content from an image of a financial document. A verification process then begins, where the MDE performs the image quality enhancements and text extraction steps on sets of images from a test deck. The results of the processing of the test deck are then evaluated by comparing confidence levels with thresholds to determine if each set of images should be accepted or rejected. Further analysis determines whether any of the sets of images were falsely accepted or rejected in error. An overall error rate is then compared with minimum accuracy criteria, and if the criteria are met, the MDE meets the standard for mobile deposit.
G06K 9/00 - Méthodes ou dispositions pour la lecture ou la reconnaissance de caractères imprimés ou écrits ou pour la reconnaissance de formes, p.ex. d'empreintes digitales
G06K 9/18 - Méthodes ou dispositions pour la lecture ou la reconnaissance de caractères imprimés ou écrits ou pour la reconnaissance de formes, p.ex. d'empreintes digitales utilisant des caractères imprimés pourvus de marques de codage additionnelles ou comportant des marques de codage, p.ex. le caractère étant composé de barres distinctes de formes différentes, chacune représentant une valeur de code différente
G06K 9/03 - Détection ou correction d'erreurs, p.ex. par une seconde exploration
G06K 9/32 - Alignement ou centrage du capteur d'image ou de la zone image
90.
Systems and methods for mobile automated clearing house enrollment
Systems and methods for mobile enrollment in automated clearing house (ACH) transactions using mobile-captured images of financial documents are provided. Applications running on a mobile device provide for the capture and processing of images of documents needed for enrollment in an ACH transaction, such as a blank check, remittance statement and driver's license. Data from the mobile-captured images that is needed for enrolling in ACH transactions is extracted from the processed images, such as a user's name, address, bank account number and bank routing number. The user can edit the extracted data, select the type of document that is being captured, authorize the creation of an ACH transaction and select an originator of the ACH transaction. The extracted data and originator information is transmitted to a remote server along with the user's authorization so the ACH transaction can be setup between the originator's and receiver's bank accounts.
G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil
G06K 9/32 - Alignement ou centrage du capteur d'image ou de la zone image
G06K 9/38 - Quantification du signal image analogique
G06K 9/42 - Normalisation des dimensions de la forme
G06Q 20/02 - Architectures, schémas ou protocoles de paiement impliquant un tiers neutre, p.ex. une autorité de certification, un notaire ou un tiers de confiance
H04N 1/00 - Balayage, transmission ou reproduction de documents ou similaires, p.ex. transmission de fac-similés; Leurs détails
The present invention relates to automated document processing and more particularly, to methods and systems for document image capture and processing using mobile devices. In accordance with various embodiments, methods and systems for document image capture on a mobile communication device are provided such that the image is optimized and enhanced for data extraction from the document as depicted. These methods and systems may comprise capturing an image of a document using a mobile communication device; transmitting the image to a server; and processing the image to create a bi-tonal image of the document for data extraction. Additionally, these methods and systems may comprise capturing a first image of a document using the mobile communication device; automatically detecting the document within the image; geometrically correcting the image; binarizing the image; correcting the orientation of the image; correcting the size of the image; and outputting the resulting image of the document.
G06K 9/00 - Méthodes ou dispositions pour la lecture ou la reconnaissance de caractères imprimés ou écrits ou pour la reconnaissance de formes, p.ex. d'empreintes digitales
92.
Systems and methods for obtaining financial offers using mobile image capture
Systems and methods for applying for and creating balance transfers with a mobile device are provided. An image of a customer's financial statement can be taken using a mobile device, after which the image is analyzed to extract information relevant to creating a balance transfer. The extracted information is then communicated to a bank over a network connected with the mobile device, where the bank can process the information and create an offer to the customer for a balance transfer in real-time. An example financial statement is a credit card statement. These systems and methods may comprise capturing an image of a document using a mobile communication device; transmitting the image to a server; detecting relevant information within the image; transmitting the information to a bank; and transmitting a resulting balance transfer offer from the bank to the mobile device.
G06K 9/00 - Méthodes ou dispositions pour la lecture ou la reconnaissance de caractères imprimés ou écrits ou pour la reconnaissance de formes, p.ex. d'empreintes digitales
G06Q 40/00 - Finance; Assurance; Stratégies fiscales; Traitement des impôts sur les sociétés ou sur le revenu
93.
Systems and methods for mobile image capture and processing of checks
Techniques for processing an image of a check captured using a mobile device are provided. The check image is processed to determine whether the check can be deposited at a bank via a mobile deposit process. The system can identify regions of the check—such as the endorsement area—to determine if the check has been properly endorsed. The system can be implemented on a mobile device and/or a server, where the mobile device routes the check image to the server for processing. If the check cannot be deposited, a rejection is forwarded in real time to the mobile device for possible correction.
Systems and methods are provided for capturing and processing images of remittance coupons using a mobile device and obtaining data from the captured image which is used to set up or carry out payment of a bill that corresponds to the remittance coupon. Optimization and enhancement of image capture and image processing are provided on the mobile device to improve the initial quality of the captured image and provide a user with real time feedback. The image is then sent from the mobile device to a remote server, where additional image processing is performed to improve the quality of the image and then extract data from the image that is relevant to paying the bill. The extracted data may be verified through comparisons with databases which store information on billers, bill formats and other relevant content that will appear on the bill.
G06K 9/00 - Méthodes ou dispositions pour la lecture ou la reconnaissance de caractères imprimés ou écrits ou pour la reconnaissance de formes, p.ex. d'empreintes digitales
G06Q 40/00 - Finance; Assurance; Stratégies fiscales; Traitement des impôts sur les sociétés ou sur le revenu
Techniques for assuring the quality of mobile document image captured using a mobile device are provided. These techniques include performing one or more tests to assess the quality of images of documents captured using the mobile device. The tests can be selected based on the type of document that was imaged, the type of mobile application for which the image quality of the mobile image is being assessed, and/or other parameters such as the type of mobile device and/or the characteristics of the camera of the mobile device that was used to capture the image. The image quality assurance techniques can also be implemented on can be implemented on a mobile device and/or on a remote server where the mobile device routes the mobile image to the remote server processing and the test results are be passed from the remote server to the mobile device.
G06K 9/00 - Méthodes ou dispositions pour la lecture ou la reconnaissance de caractères imprimés ou écrits ou pour la reconnaissance de formes, p.ex. d'empreintes digitales
96.
Methods for mobile image capture and processing of documents
The present invention relates to automated document processing and more particularly, to methods and systems for document image capture and processing using mobile devices. In accordance with various embodiments, methods and systems for document image capture on a mobile communication device are provided such that the image is optimized and enhanced for data extraction from the document as depicted. These methods and systems may comprise capturing an image of a document using a mobile communication device; transmitting the image to a server; and processing the image to create a bi-tonal image of the document for data extraction. Additionally, these methods and systems may comprise capturing a first image of a document using the mobile communication device; automatically detecting the document within the image; geometrically correcting the image; binarizing the image; correcting the orientation of the image; correcting the size of the image; and outputting the resulting image of the document.
G06K 9/00 - Méthodes ou dispositions pour la lecture ou la reconnaissance de caractères imprimés ou écrits ou pour la reconnaissance de formes, p.ex. d'empreintes digitales
97.
Systems for mobile image capture and remittance processing
The present invention relates to automated document processing and more particularly, to methods and systems for document image capture and processing using mobile devices. In accordance with various embodiments, methods and systems for document image capture on a mobile communication device are provided such that the image is optimized and enhanced for data extraction from the document as depicted. These methods and systems may comprise capturing an image of a document using a mobile communication device; transmitting the image to a server; and processing the image to create a bi-tonal image of the document for data extraction. Additionally, these methods and systems may comprise capturing a first image of a document using the mobile communication device; automatically detecting the document within the image; geometrically correcting the image; binarizing the image; correcting the orientation of the image; correcting the size of the image; and outputting the resulting image of the document.
G06K 9/00 - Méthodes ou dispositions pour la lecture ou la reconnaissance de caractères imprimés ou écrits ou pour la reconnaissance de formes, p.ex. d'empreintes digitales
98.
Method for applying a signature simplicity analysis for improving the accuracy of signature validation
The present invention provides a method for applying a signature simplicity analysis for improving the accuracy of signature validation, the method including the steps of generating a plurality of synthetic fraudulent signatures for a person, encoding authentic signatures of the person using signature simplicity and validating the signatures using signature simplicity.
G06K 9/18 - Méthodes ou dispositions pour la lecture ou la reconnaissance de caractères imprimés ou écrits ou pour la reconnaissance de formes, p.ex. d'empreintes digitales utilisant des caractères imprimés pourvus de marques de codage additionnelles ou comportant des marques de codage, p.ex. le caractère étant composé de barres distinctes de formes différentes, chacune représentant une valeur de code différente
G06K 9/22 - Obtention de l'image en utilisant des instruments déplacés manuellement
99.
Systems for mobile image capture and processing of checks
The present invention relates to automated document processing and more particularly, to methods and systems for document image capture and processing using mobile devices. In accordance with various embodiments, methods and systems for document image capture on a mobile communication device are provided such that the image is optimized and enhanced for data extraction from the document as depicted. These methods and systems may comprise capturing an image of a document using a mobile communication device; transmitting the image to a server; and processing the image to create a bi-tonal image of the document for data extraction. Additionally, these methods and systems may comprise capturing a first image of a document using the mobile communication device; automatically detecting the document within the image; geometrically correcting the image; binarizing the image; correcting the orientation of the image; correcting the size of the image; and outputting the resulting image of the document.
G06K 9/00 - Méthodes ou dispositions pour la lecture ou la reconnaissance de caractères imprimés ou écrits ou pour la reconnaissance de formes, p.ex. d'empreintes digitales
100.
Systems for mobile image capture and processing of checks
The present invention relates to automated document processing and more particularly, to methods and systems for document image capture and processing using mobile devices. In accordance with various embodiments, methods and systems for document image capture on a mobile communication device are provided such that the image is optimized and enhanced for data extraction from the document as depicted. These methods and systems may comprise capturing an image of a document using a mobile communication device; submitting the image to a server; and processing the image to create a bi-tonal image of the document for data extraction. Additionally, these methods and systems may comprise capturing a first image of a document using the mobile communication device; automatically detecting the document within the image; geometrically correcting the image; binarizing the image; correcting the orientation of the image; correcting the size of the image; and outputting the resulting image of the document.
G06K 9/00 - Méthodes ou dispositions pour la lecture ou la reconnaissance de caractères imprimés ou écrits ou pour la reconnaissance de formes, p.ex. d'empreintes digitales
