Check data lift for online accounts

• US 10,108,941 B2
• Filed: 05/27/2016
• Issued: 10/23/2018
• Est. Priority Date: 10/29/2013
• Status: Active Grant

• Current Assignee: Bank of America Corp.
• Original Assignee: Bank of America Corp.
• Inventors: Smith, Michael Gerald, Johnson, Scott Andrew, Hanson, Brian David, Koo, Hyunmo, Govindarajan, Saravana Kumar, Hjellming, Michael Scott
• Primary Examiner(s): Obaid, Fateh M
• Application Number:
  US15/167,592
• Publication Number:
  US 20160275464A1
• Time in Patent Office: 879 Days
• Field of Search: None
• CPC Class Codes: G06Q 20/023 the neutral party being a clearing house
• CPC Class Codes: G06Q 20/042 characterized in that the payment protocol involves at least one cheque
• CPC Class Codes: G06Q 20/108 Remote banking, e.g. home banking
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03
• CPC Class Codes: G06Q 40/12 Accounting
• CPC Class Codes: G07D 11/22 Means for sensing or detection

Abstract

Embodiments for extracting data for online account includes systems that receive at least one check images, apply one or more optical character recognition processes to at least a portion of the at least one check image, and convert image based data to text based data. The embodiments further identify check data in the text based data, identify online data from the check data, incorporate at least a portion of the online data into a portion of an online account, and provide the online account portion to a customer.

Claims

1. A system for extracting check data from images of paper checks for online accounts, the system comprising:

a computer apparatus including a processor and a memory;

an image capture device; and

a software module stored in the memory, comprising executable instructions that when executed by the processor cause the processor to;

receive a paper check associated with a customer, and capture a check image of the paper check using the image capture device;

apply an optical character recognition (OCR) process to at least a portion of the check image;

convert at least a portion of image based data from the check image to text based data, wherein converting the image based data to the text based data comprises encoding the image based data into text based files;

identify check data in the text based data;

identify online data associated with the customer, from the check data and from inputted information based on customer requests, customer online activity, transaction criteria and account criteria, wherein identifying the online data further comprises;

identifying the image based data not converted to text based data, the not-converted image based data comprising at least one of a time stamp, a logo or a symbol related to an entity associated with authorizing a transaction with the paper check;

tracking customer online activity associated with an online banking account associated with the entity identified from the not-converted image based data, including tracking a number of times each of a plurality of online account pages is visited during an online banking session and an amount of time spent on each of the plurality of online account pages during the online banking session;

determining that one of the online account pages is potentially more interesting to the customer based on the customer visiting the online account page more than others and spending more time on the online account page than others during the online banking session; and

determining customer preferences based on the customer online activity and the online account page that is potentially more interesting to the customer;

format the online data based on online account criteria, wherein the formatted online data comprises stable metadata;

initiate automated processing of the transaction associated with the paper check, based on at least the stable metadata;

incorporate at least a portion of the online data into a portion of an online account of the customer, wherein at least the portion of the online data is determined based on at least the check data and the online data; and

provide the online account portion to the customer on a customer computing device, wherein providing the online account portion to the customer further comprises;

initiating presentation of a graphical user interface associated with an online banking account of the customer; and

inserting the online account portion in the graphical user interface, proximate to a display of one or more transactions associated with the online banking account.

2. The system of claim 1, wherein initiating the automated processing of the transaction associated with the paper check further comprises utilizing the metadata to remediate exception processing, enforce requirements regarding third party check deposits and facilitate automated clearing house transactions.

3. The system of claim 2, wherein the online account criteria includes at least one of security parameters, internal and external privacy parameters, and formatting parameters.

4. The system of claim 3, wherein the executable instructions further cause the processor to:

redact at least a portion of the online account data, add calculations and reports to the online account data consistent with a status of the online account, or modify the style of text in the online account data.

5. The system of claim 1, wherein the executable instructions further cause the processor to:

receive input associated with the online data from the customer;

update the online account portion based on the customer input.

6. The system of claim 5, wherein the customer input includes data corrections, data updates, and requests for additional information.

7. The system of claim 6, wherein the executable instructions further cause the processor to:

reposition the online data in an online account statement in response to the received input.

8. The system of claim 1, wherein the OCR process includes location fields for determining the position of data on the check image.

9. The system of claim 1, wherein the check image further comprises unrecognizable data that is not configured to be identified by the optical character recognition process, wherein the executable instructions further cause the processor to:

detect unrecognized data from the check image, wherein the optical character recognition process is not applied on the unrecognizable data;

construct a corrected check image, wherein constructing the corrected check image further comprises (i) performing pre-processing of the unrecognized data, (ii) receiving input information identifying the unrecognized data from an operator, or (iii) removing the unrecognized data from the check image; and

apply the optical character recognition process to the corrected check image.

10. The system of claim 9, wherein performing pre-processing of the unrecognized data comprises enhancing the unrecognized data comprising misaligned or blurry data and wherein the check data comprises at least a portion of the inputted information.

11. The system of claim 10, wherein the executable instructions further cause the processor to:

receive additional input information from a customer;

correct the operator inputted information based on the additional input.

12. The system of claim 10, wherein the check data further comprises financial record data comprising terms of a financial record, time period that the financial record is in effect, account numbers, merchant codes, file identifiers, or source identifiers.

13. The system of claim 1, wherein the online account portion comprises an online statement, a financial record, an online financial account web page, or an online tool.