Database retrieval system

• US 10,007,898 B2
• Filed: 08/25/2015
• Issued: 06/26/2018
• Est. Priority Date: 08/25/2015
• Status: Active Grant

• Current Assignee: Bank of America Corp.
• Original Assignee: Bank of America Corp.
• Inventors: Felse, Mark D., Banks, Richard A., Benton, James, Brennan, Theresa, Christine, Sarah, Furr, Dewayne A., Gentile, Melody, Hanshew, Michele N., Simpkins, Kerry Kurt, Hall, John Barrett
• Primary Examiner(s): Rankins, William E
• Application Number:
  US14/834,620
• Publication Number:
  US 20170061400A1
• Time in Patent Office: 1,036 Days
• CPC Class Codes: G06Q 20/042 characterized in that the payment protocol involves at least one cheque
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems

Abstract

A method for database retrieval is provided. The method may include receiving a history datastore. The method may include receiving a payment, i.e., a paper check. The method may include simultaneously scanning the check into a grayscale image and black and white image. The method may include reviewing each pixel on the black and white image alone and in combination with surrounding pixels to determine an arrangement of shaded pixels. When the arrangement of shaded pixels is determined to be above a predetermined threshold of similarity to a predefined set of characters, the method may determine a subset of characters and store the subset of characters in a memory. The method may include crawling the history datastore to determine information which corresponds to the subset of characters stored in memory and retrieving the corresponding information. The method may include showing the corresponding information and the payment on a GUI.

Claims

1. A database retrieval system comprising:

a direct deposit account (“

DDA”

) history datastore;

a receiver configured to receive a payment, said payment consisting of a paper check;

a scanner configured to simultaneously;

scan the check into a grayscale image; and

scan the check into a black and white image;

a processor configured to;

determine the text of the paper check using optical character recognition technology;

store the text of the paper check in a machine-readable memory;

crawl the DDA history datastore for information that corresponds to the determined text; and

retrieve the information that corresponds to the determined text; and

a graphical user interface (“

GUI”

) comprising;

a display of the black and white image, said black and white image being togglable between the grayscale image and the black and white image;

a display of the information that corresponds to the determined text;

an account number text entry field, which accepts user input corresponding to an account number; and

an amount text entry field, which accepts user input corresponding to a dollar amount of the check;

wherein;

the GUI is presented to two distinct operators, and upon receipt of the same account number user input and the same dollar amount user input by both operators, the payment is transmitted, via a transmitter, for further processing independent of user interaction; and

upon transmission of the payment for further processing, the grayscale image is discarded and the black and white image is retained in a batch file.