SYSTEMS AND METHODS FOR IDENTIFICATION DOCUMENT PROCESSING AND BUSINESS WORKFLOW INTEGRATION

• US 20170109819A1
• Filed: 12/29/2016
• Published: 04/20/2017
• Est. Priority Date: 01/12/2012
• Status: Active Grant

• Current Assignee: Kofax Incorporated
• Original Assignee: Kofax Incorporated
• Inventors: Amtrup, Jan W., Thompson, Stephen Michael, Kilby, Steven, Macciola, Anthony
• Granted Patent: US 10,515,407 B2
• Time in Patent Office: Days
• CPC Class Codes: G06Q 20/3223 Realising banking transactions through M-devices
• CPC Class Codes: G06Q 20/3276 using a pictured code, e.g. barcode or QR-code, being read by the M-device
• CPC Class Codes: G06Q 20/4014 Identity check for transactions
• CPC Class Codes: G06Q 40/03 Credit; Loans; Processing thereof
• CPC Class Codes: G06Q 50/18 Legal services
• CPC Class Codes: G06V 30/412 Layout analysis of documents structured with printed lines or input boxes, e.g. business forms or tables
• CPC Class Codes: G06V 30/413 Classification of content, e.g. text, photographs or tables
• CPC Class Codes: G06V 30/414 Extracting the geometrical structure, e.g. layout tree; Block segmentation, e.g. bounding boxes for graphics or text
• CPC Class Codes: G06V 30/416 Extracting the logical structure, e.g. chapters, sections or page numbers; Identifying elements of the document, e.g. authors
• CPC Class Codes: G06V 30/418 Document matching, e.g. of document images
• CPC Class Codes: H04N 1/00106 using land mobile radio networks, e.g. mobile telephone
• CPC Class Codes: H04N 1/00251 with an apparatus for taking photographic images, e.g. a camera
• CPC Class Codes: H04N 1/00334 with an apparatus processing barcodes or the like arrangements for sensing record carriers G06K7/00

Abstract

A method includes: receiving or capturing an image comprising an identity document (ID) using a mobile device; classifying the ID; analyzing the ID based at least in part on the ID classification; determining at least some identifying information from the ID; at least one of building an ID profile and updating the ID profile, based at least in part on the analysis; providing at least one of the ID and the ID classification to a loan application workflow and/or a new financial account workflow; and driving at least a portion of the workflow based at least in part on the ID and the ID classification. Corresponding systems and computer program products are also disclosed.

Claims

1. A method, comprising:

receiving or capturing an image comprising an identity document (ID) using a mobile device;

classifying the ID;

analyzing the ID based at least in part on the ID classification;

determining at least some identifying information from the ID;

at least one of building an ID profile and updating the ID profile, based at least in part on the analysis;

providing at least one of the ID and the ID classification to a loan application workflow; and

driving at least a portion of the workflow based at least in part on the ID and the ID classification.

2. The method as recited in claim 1, further comprising submitting at least some data from the ID profile to the loan application workflow.

3. The method as recited in claim 1, wherein updating the ID profile comprises modifying identifying information in the ID profile based at least in part on the analysis.

4. The method as recited in claim 3, wherein the identifying information modified by updating the ID profile comprises one or more of:

an address corresponding to a person to which the ID corresponds;

a name of the person to which the ID corresponds;

an ID number; and

a portrait of the person to which the ID corresponds.

5. The method as recited in claim 1, wherein the ID classification comprises “

driver'"'"'s license.”

6. The method as recited in claim 1, wherein the ID classification further comprises a jurisdiction corresponding to the ID.

7. A method, comprising:

receiving or capturing an image comprising an identity document (ID) using a mobile device;

classifying the ID;

analyzing the ID based at least in part on the ID classification;

determining at least some identifying information from the ID;

at least one of building an ID profile and updating the ID profile, based at least in part on the analysis;

providing at least one of the ID and the ID classification to new financial account workflow; and

driving at least a portion of the workflow based at least in part on the ID and the ID classification.

8. The method as recited in claim 7, wherein the ID classification comprises “

driver'"'"'s license.”

9. The method as recited in claim 7, wherein the ID classification further comprises a jurisdiction corresponding to the ID.

10. The method as recited in claim 7, wherein the new financial account workflow is configured to facilitate opening a new bank account, a new investment account, or a new credit line.

11. The method as recited in claim 7, further comprising submitting at least some data from the ID profile to the new financial account workflow.

12. The method as recited in claim 7, wherein updating the ID profile comprises modifying identifying information in the ID profile based at least in part on the analysis.

13. The method as recited in claim 12, wherein the identifying information modified by updating the ID profile comprises one or more of:

an address corresponding to a person to which the ID corresponds;

a name of the person to which the ID corresponds;

an ID number; and

a portrait of the person to which the ID corresponds.

14. A computer program product comprising:

a computer readable storage medium having computer readable program code stored therein, the computer readable program code comprising instructions configured to cause a processor to;

receive or capturing an image comprising an identity document (ID) using a mobile device;

classify the ID;

analyze the ID based at least in part on the ID classification;

determine at least some identifying information from the ID;

at least one of building an ID profile and updating the ID profile, based at least in part on the analysis;

provide at least one of the ID and the ID classification to a new financial account workflow; and

drive at least a portion of the workflow based at least in part on the ID and the ID classification.

15. The computer program product as recited in claim 14, wherein the ID classification comprises “

driver'"'"'s license.”

16. The computer program product as recited in claim 14, wherein the ID classification further comprises a jurisdiction corresponding to the ID.

17. The computer program product as recited in claim 14, wherein the new financial account workflow is configured to facilitate opening a new bank account, a new investment account, or a new credit line.

18. The computer program product as recited in claim 14, further comprising instructions configured to cause the processor to:

submit at least some data from the ID profile to the new financial account workflow.

19. The computer program product as recited in claim 14, wherein updating the ID profile comprises modifying identifying information in the ID profile based at least in part on the analysis.

20. The computer program product as recited in claim 19, wherein the identifying information modified by updating the ID profile comprises one or more of:

an address corresponding to a person to which the ID corresponds;

a name of the person to which the ID corresponds;

an ID number; and

a portrait of the person to which the ID corresponds.