SYSTEMS AND METHODS FOR RECOGNIZING INFORMATION IN FINANCIAL DOCUMENTS USING A MOBILE DEVICE

• US 20140037183A1
• Filed: 08/06/2012
• Published: 02/06/2014
• Est. Priority Date: 08/06/2012
• Status: Abandoned Application

• Current Assignee: A2iA SAS (Mitek Systems Incorporated)
• Original Assignee: A2iA SAS (Mitek Systems Incorporated)
• Inventors: Gorski, Nikolai D., Semenov, Andrey V., Sashov, Sergey N.
• Application Number:
  US13/567,770
• Publication Number:
  US 20140037183A1
• Time in Patent Office: Days
• US Class Current: 382/138
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03
• CPC Class Codes: G06V 30/10 Character recognition
• CPC Class Codes: G06V 30/1448 based on markings or identifiers characterising the document or the area
• CPC Class Codes: G06V 30/412 Layout analysis of documents structured with printed lines or input boxes, e.g. business forms or tables

Abstract

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.

Claims

1. A method for recognizing information in a financial document using a mobile device, the method comprising:

analyzing images of the financial document in an image data stream generated by an image capturing device of the mobile device;

capturing a first image from the image data stream;

transforming the first image to obtain a second image;

binarizing the second image to obtain a binarized image;

recognizing information in the binarized image; and

determining the validity of the recognized information.

2. The method according to claim 1, wherein analyzing the image data stream includes locating and tracking a quadrangle of the financial document in the images of the image data stream.

3. The method according to claim 2, further comprising:

tracing the quadrangle of the financial document; and

displaying the traced quadrangle.

4. The method according to claim 1, wherein transforming the first image includes:

locating a quadrangle of the financial document in the first image;

transforming the first image so that the quadrangle of the financial document forms a rectangle, resulting in a second image; and

removing portions of the second image that are outside of the quadrangle of the financial document.

5. The method according to claim 4, wherein transforming the first image includes performing an affine transformation on the first image.

6. The method according to claim 1, wherein transforming the first image includes:

locating a quadrangle of the financial document in the first image;

removing portions of the first image that are outside of the quadrangle of the financial document, resulting in a second image; and

transforming the second image so that the quadrangle of the financial document form a rectangle.

7. The method accordingly to claim 1, further comprising:

transforming the second image to obtain uniform brightness over the second image, resulting in a third image; and

converting the third image into a binarized image.

8. The method according to claim 1, further comprising performing image quality analysis on the second image to detect image defects in the second image.

9. The method according to claim 8, wherein the image defects include a piggyback document, side or corner defects, out-of-focus, noisiness, overexposed, underexposed, under-compressed, over-compressed, non-uniform lighting.

10. The method according to claim 1, further comprising transmitting the recognized information and the binarized image to a remote server.

11. The method according to claim 1, wherein recognizing information in the binarized image includes:

reading a configuration file that specifies predetermined field information associated with a type of the financial document;

locating predetermined fields in the binarized image based on the predetermined field information; and

recognizing information in the predetermined fields.

12. The method according to claim 11, wherein locating the predetermined fields in the binarized image includes locating predetermined fields whose positions are described in a configuration file or locating fields by associated keywords or by associated key objects.

13. The method according to claim 1, wherein recognizing information in the binarized image includes:

obtaining predetermined field information associated with a type of the financial document through a user interface;

locating predetermined fields in the binarized image based on the predetermined field information; and

recognizing information in the predetermined fields.

14. The method according to claim 13, wherein the predetermined fields include at least one of literal amount, numeric amount, date of issue, payer'"'"'s signature, payer'"'"'s name and address, payer account, payee name, bank logo, financial document number, code line, check number, and memo line.

15. The method according to claim 1, further comprising:

determining whether the captured first image is a color image or a grayscale image; and

converting the captured first image into a grayscale image if it is determined that the captured first image is a color image.

16. The method according to claim 1, wherein determining the validity of recognized information is selected from the group consisting of detecting the presence of mandatory fields in the binarized image, detecting code-line and payer'"'"'s signature in the binarized image, detecting payer'"'"'s address and bank logo in the binarized image, and detecting a difference between a numeric amount and a literal amount based on the recognized information.

17. The method according to claim 16, wherein the mandatory fields include the numeric amount, the literal amount, the date of issue, and the payee'"'"'s name.

18. The method according to claim 16, wherein detecting a difference includes:

determining a score for recognition of the numeric amount,

determining a score for recognition of the literal amount, and

determining an overall recognition score by comparing the score for recognition of the numeric amount and the score for recognition of the literal amount.

19. A mobile device for processing an image of a financial document and recognizing information in the processed image of the financial document, the mobile device comprising:

an image capturing device configured to generate an image data stream of images of the financial document and to capture a first image of the financial document;

a memory coupled to the image capturing device and configured to store the captured first image;

a display unit coupled to the image capturing device and configured to display the image data stream and the captured first image; and

a processor coupled to the memory and the display unit, the processor configured to analyze images of the financial document in the image data stream prior to capturing the first image, to convert the first image to obtain a second image, to binarize the second image to obtain a binarized image, and to recognize information in the binarized image.

20. The mobile device according to claim 19, wherein the processor analyzes images of the financial document in the image data stream by locating and tracking a quadrangle of the financial document in the images of the image data stream.

21. The mobile device according to claim 20,

wherein the processor is further configured to trace the quadrangle of the financial document, and

wherein the display unit is further configured to display the traced quadrangle.

22. The mobile device according to claim 19, wherein the processor is configured to:

analyze the first image by locating a quadrangle of the financial document in the first image,

convert the first image by transforming the first image so that the quadrangle of the financial document forms a rectangle, resulting in a second image, and

remove portions of the second image that are outside of the quadrangle of the financial document.

23. The mobile device according to claim 19, wherein the display unit displays a user interface requesting that the user input information that the processor cannot properly recognize.

24. The mobile device according to claim 19, wherein the image capturing device is a mobile camera built into the mobile device or an external image capturing device in communication with the mobile device.

25. A mobile device for remotely recognizing information in a financial document, the mobile device comprising:

an image capturing device configured to generate an image data stream of images of the financial document and to capture a first image from the image data stream;

a memory coupled to the image capturing device and configured to store the first image;

a display unit coupled to the image capturing device and configured to display the image data stream and the first image;

a processor coupled to the memory and the display unit, the processor configured to analyze images of the financial document in the image data stream prior to capturing the first image, to normalize the first image to obtain a normalized image, and to recognize information in the normalized image; and

a communication unit coupled to the processor and the memory, the communication unit configured to transmit the normalized image and the recognized information to a server of a financial institution to further process the normalized image and the recognized information.