Image enabled reject repair for check processing capture

• US 20010051921A1
• Filed: 02/01/2001
• Published: 12/13/2001
• Est. Priority Date: 02/01/2000
• Status: Active Grant

• Current Assignee: Wells Fargo Bank NA (Wells Fargo & Company)
• Original Assignee: Wachovia Corporation (Wells Fargo & Company)
• Inventors: Garner, Andrew J. IV, Beck, Terry H.
• Granted Patent: US 6,863,214 B2
• Time in Patent Office: Days
• US Class Current: 705/42
• CPC Class Codes: G06F 16/93 Document management systems
• 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
• CPC Class Codes: G06Q 20/108 Remote banking, e.g. home banking
• CPC Class Codes: G06V 10/987 with the intervention of an operator

Abstract

A method and apparatus for processing a plurality of financial documents, comprising, a document processor, wherein, for each financial document, the document processor captures data encoded on the financial document and an image of the financial document during a prime pass, and assigns a prime pass sequence number to each financial document. The apparatus includes a computer database in which the prime pass data and image is stored in association with the prime pass sequence number for the financial document. The document processor is adapted to determine whether the financial document should be rejected because the data and document image needs to be repaired or the data only needs to be repaired. If the data and image needs to be repaired, the document processor, or a desktop scanner/reader, recaptures the data and image, assigns a recapture sequence number to the financial document, and the recaptured data and image is stored in the computer database in association with the recapture sequence number. An image repair application is adapted to permit an operator to locate a prime pass image that matches the recaptured image, and to repair the document image by visually comparing the recaptured image with the prime pass image. The repaired document image is then stored in the computer database in association with the corresponding prime pass sequence number.

Claims

1. An apparatus for processing a plurality of financial documents, comprising:

(a) a document processor, wherein, for each financial document, the document processor

(i) captures data encoded on the financial document and an image of the financial document during a prime pass, and

(ii) assigns a first sequence number to each financial document;

(b) a computer database, wherein, for each financial document, the captured data and image is stored in the computer database in association with the first sequence number for the financial document;

(c) wherein, for each financial document, the document processor is adapted to determine, responsive to the captured data and images, whether the financial document is of a first type or a second type, wherein the first type is a document for which the data and document image needs to be repaired and the second type is a document for which the data needs to be repaired;

(d) wherein, for each document of the first type, the document processor recaptures the data encoded on the financial document, recaptures an image of the financial document, and assigns a second sequence number to the financial document, the recaptured data and the recaptured image being stored in the computer database in association with the second sequence number; and

(e) a image repair application, wherein the image repair application is adapted to permit an operator to locate a captured image that matches the recaptured image, and to repair the document image by visually comparing the recaptured image with the captured image; and

(f) wherein the repaired document image is stored in the computer database in association with the first sequence number for the captured data.

2. The apparatus of

claim 1

, wherein the image repair application is configured to allow the operator to repair the captured image by visually comparing the captured image with the recaptured image and selecting either the captured image or the recaptured image.

3. The apparatus of

claim 2

, wherein the image repair application is configured to permit the operator to repair the selected image by visually comparing the captured image with the recaptured image and reorienting the selected image.

4. The apparatus of

claim 3

, wherein the selected image is reoriented by rotating the captured image.

5. The apparatus of

claim 3

, wherein the selected image is reoriented by flipping the selected image.

6. The apparatus of

claim 1

, wherein, for each financial document of the first type for which there is a recaptured image, but no matching captured image, the recaptured image is stored in the computer database in correct relation to the financial document sequence established during the prime pass.

7. The apparatus of

claim 1

, wherein, for each financial document, the document processor is adapted to determine whether the financial document is of the first type by determining whether the financial document exceeds a predetermined document thickness.

8. The apparatus of

claim 1

, wherein, for each financial document, the document processor is adapted to determine whether the financial document is of the first type by determining whether the financial document exceeds a predetermined document size.

9. The apparatus of

claim 8

, wherein, the predetermined document size is comprised of a predetermined document length.

10. The apparatus of

claim 8

, wherein, the predetermined document size is comprised of a predetermined document height.

11. The apparatus of

claim 1

, wherein, for each financial document, the document processor is adapted to determine whether the financial document is of the first type if the data encoded on the financial document is not read within a predetermined amount of time.

12. The apparatus of

claim 1

, wherein, for each financial document, the document processor is adapted to determine whether the financial document is of the first type if no data is read from the document.

13. An apparatus for processing a plurality of financial documents, comprising:

(a) a first document processor, wherein, for each financial document, the first document processor

(i) captures data encoded on the financial document and an image of the financial document during a prime pass, and

(ii) assigns a first sequence number to each financial document;

(b) a computer database, wherein, for each financial document, the captured data and image is stored in the computer database in association with the first sequence number for the financial document;

(c) wherein, for each financial document, the first document processor is adapted to determine, responsive to the captured data and images, whether the financial document is of a first type or a second type, wherein the first type is a document for which the data and document image needs to be repaired and the second type is a document for which the data needs to be repaired;

(d) wherein, for each document of the first type, a second document processor recaptures the data encoded on the financial document, recaptures an image of the financial document, and assigns a second sequence number to the financial document, the recaptured data and the recaptured image being stored in the computer database in association with the second sequence number; and

(e) a image repair application, wherein the image repair application is adapted to permit an operator to locate a captured image that matches the recaptured image, and to repair the document image by visually comparing the recaptured image with the captured image; and

(f) wherein the repaired document image is stored in the computer database in association with the first sequence number for the captured data.

14. An apparatus for processing a plurality of financial documents, comprising:

(a) a document processor, wherein, for each financial document, the document processor

(i) captures data encoded on the financial document and an image of the financial document during a prime pass, and

(ii) assigns a sequence number to each financial document;

(b) a computer database, wherein, for each financial document, the captured data and image is stored in the computer database in association with the sequence number for the financial document;

(c) wherein, for each financial document, the document processor is adapted to determine, responsive to the captured data and images, whether the financial document is of a first type or a second type, wherein the first type is a document for which the data and document image needs to be repaired and the second type is a document for which the data needs to be repaired;

(d) a keying application, wherein the keying application is adapted to permit an operator to repair the captured data by visually comparing the captured image with the captured data; and

(e) the repaired data is stored in the computer database in association with the sequence number for the document.