Element level presentation of elements of a payment instrument for exceptions processing

• US 10,049,350 B2
• Filed: 06/25/2015
• Issued: 08/14/2018
• Est. Priority Date: 06/25/2015
• Status: Active Grant

• Current Assignee: Bank of America Corp.
• Original Assignee: Bank of America Corp.
• Inventors: Smith, Michael Gerald, Dryer, Eric, Beaudry, Joshua Allen, Barrett, II, James F., Gunsolley, Shawn Cart, Wisser, Michael Matthew, Bastnagel, Andrew Patrick, Thompson, Marshall Bright
• Primary Examiner(s): Strege, John
• Application Number:
  US14/750,408
• Publication Number:
  US 20160379190A1
• Time in Patent Office: 1,146 Days
• CPC Class Codes: G06F 16/51 Indexing; Data structures therefor; Storage structures
• CPC Class Codes: G06Q 20/042 characterized in that the payment protocol involves at least one cheque
• CPC Class Codes: G06Q 20/102 Bill distribution or payments
• CPC Class Codes: G06Q 20/405 Establishing or using transaction specific rules
• CPC Class Codes: G06T 3/40 Scaling of whole images or parts thereof, e.g. expanding or contracting
• CPC Class Codes: G06V 30/412 Layout analysis of documents structured with printed lines or input boxes, e.g. business forms or tables

Abstract

Disclosed are systems, methods, and computer program products that provide for element level presentation of elements of a payment instrument for exceptions processing. More specifically, the invention involves identifying an exception element from an image of a financial document, determining the location of the exception element based on its coordinates within the image of the financial document, and providing a zoomed-in view of the exception element to the user along with information and resources to allow a user to conveniently conduct accurate analysis of the exception element. The system then receives a correct element from the user to replace the exception element, and then processes the financial document using the replaced correct element instead of the exception element.

Claims

1. A system for element level presentation of elements of a payment instrument for exceptions processing is provided, said system comprising:

a computing platform comprising one or more processing devices and executable software code stored in one or more electronic storage devices, wherein the executable software code is configured to cause the one or more processing devices to;

receive an image of a financial document;

lift financial data off of the financial document using optical character recognition;

store the financial data as information related to the financial document;

identify an exception element in financial document processing, wherein the exception element is not discernible by the system, and wherein the system cannot process the information related to the financial document with the exception element;

determine coordinates of the exception element within the image of the financial document;

cause a user interface of the computing platform to display a first section comprising a zoomed-in view of the exception element at the coordinates of the exception element within the image of the financial document and a second section comprising a full view of the image of the financial document, wherein the user interface of the computing platform comprises;

a display comprising (1) a brightness control that, when adjusted by a user, manipulates a brightness of the first section of the user interface but does not affect a brightness of the second section of the user interface, and (2) a contrast control that, when adjusted by the user, manipulates a contrast of the first section of the user interface, but does not affect a contrast of the second section of the user interface,

a navigation mechanism, and

a user input mechanism comprising selectable icons associated with one or more possible correct elements, wherein a confidence level for each of the one or more possible correct elements is displayed along with the selectable icons associated with the one or more possible correct elements;

cause the user interface of the computing platform to display a prompt to the user to select a correct element from the selectable icons associated with the one or more possible correct elements, wherein the correct element is an element intended by a creator of the exception element;

receive the user selection of the correct element;

replace the exception element with the selected correct element, wherein replacing the exception element converts the information related to the financial document into a format that can be processed by the system; and

process the financial document based on the information related to the financial document and the selected correct element.

2. The system of claim 1, wherein the navigation mechanism is configured for further manipulating an amount of zoom, relative to the exception element.

7. The system of claim 1, wherein the financial document comprises a check.

8. The system of claim 7, wherein the exception element comprises a character from a handwritten numerical amount of the check.

9. The system of claim 7, wherein the exception element comprises a character from a handwritten alphabetic amount of the check.

10. The system of claim 7, wherein the exception element comprises a character from a handwritten alphabetic or numeric date of the check.

3. A computer implemented method for element level presentation of elements of a payment instrument for exceptions processing is provided, said computer implemented method comprising:

receiving, via a processing device, an image of a financial document;

lifting, via a processing device, financial data off of the financial document using optical character recognition;

storing, via a processing device, the financial data as information related to the financial document;

identifying, via a processing device, an exception element in financial document processing, wherein the exception element is not discernible by the system, and wherein the system cannot process the information related to the financial document with the exception element;

determining, via a processing device, coordinates of the exception element within the image of the financial document;

displaying, via a user interface of a computing platform, a first section comprising a zoomed-in view of the exception element at the coordinates of the exception element within the image of the financial document and a second section comprising a full view of the image of the financial document, wherein the user interface of the computing platform comprises;

a display comprising (1) a brightness control that, when adjusted by a user manipulates a brightness of the first section of the user interface but does not affect a brightness of the second section of the user interface, and (2) a contrast control that, when adjusted by the user, manipulates a contrast of the first section of the user interface, but does not affect a contrast of the second section of the user interface,

a navigation mechanism, and

a user input mechanism comprising selectable icons associated with one or more possible correct elements, wherein a confidence level for each of the one or more possible correct elements is displayed along with the selectable icons associated with the one or more possible correct elements;

causing, via a processing device, the user interface of the computing platform to display a prompt to the user to select a correct element from the selectable icons associated with the one or more possible correct elements, wherein the correct element is an element intended by a creator of the exception element;

receiving, via the user interface, the exception element with the selected correct element, wherein replacing the exception element converts the information related to the financial document into a format that can be processed by the system; and

processing, via a processing device, the financial document based on the information related to the financial document and the selected correct element.

4. The computer implemented method of claim 3, wherein the navigation mechanism is configured for further manipulating an amount of zoom, relative to the exception element.

11. The computer implemented method of claim 3, wherein the financial document comprises a check.

12. The computer implemented method of claim 11, wherein the exception element comprises a character from a handwritten numerical amount of the check.

13. The computer implemented method of claim 11, wherein the exception element comprises a character from a handwritten alphabetic amount of the check.

14. The computer implemented method of claim 11, wherein the exception element comprises a character from a handwritten alphabetic or numeric date of the check.

5. A computer program product for element level presentation of elements of a payment instrument for exceptions processing is provided, the computer program product comprising a non-transitory computer readable medium comprising computer readable instructions, the instructions comprising instructions for:

receiving an image of a financial document;

lifting financial data off of the financial document using optical character recognition;

storing the financial data as information related to the financial document;

identifying an exception element in financial document processing, wherein the exception element is not discernible by the system, and wherein the system cannot process the information related to the financial document with the exception element;

determining coordinates of the exception element within the image of the financial document;

causing a user interface of a computing platform to display a first section comprising a zoomed-in view of the exception element at the coordinates of the exception element within the image of the financial document and a second section comprising a full view of the image of the financial document, wherein the user interface of the computing platform comprises;

a display comprising (1) a brightness control that, when adjusted by a user, manipulates a brightness of the first section of the user interface but does not affect a brightness of the second section of the user interface, and (2) a contrast control that, when adjusted by the user, manipulates a contrast of the first section of the user interface, but does not affect a contrast of the second section of the user interface,

a navigation mechanism, and

a user input mechanism comprising selectable icons associated with one or more possible correct elements, wherein a confidence level for each of the one or more possible correct elements is displayed along with the selectable icons associated with the one or more possible correct elements;

causing the user interface of the computing platform to display a prompt to the user to select a correct element from the selectable icons associated with the one or more possible correct elements, wherein the correct element is an element intended by a creator of the exception element;

receiving the user selection of the correct element;

replacing the exception element with the selected correct element, wherein replacing the exception element converts the information related to the financial document into a format that can be processed by the system; and

processing the financial document based on the information related to the financial document and the selected correct element.

6. The computer program product of claim 5, wherein the navigation mechanism is further configured for further manipulating an amount of zoom, relative to the exception element.

15. The computer program product of claim 5, wherein the financial document comprises a check.

16. The computer program product of claim 15, wherein the exception element comprises a character from a handwritten numerical amount of the check.

17. The computer program product of claim 15, wherein the exception element comprises a character from a handwritten alphabetic amount of the check.

18. The computer program product of claim 15, wherein the exception element comprises a character from a handwritten alphabetic or numeric date of the check.