Extracting text written on a check
First Claim
1. A system for identifying a check with text located on the check, the check being issued from a checking account by a payor to a payee, the system comprising:
- a restricted lexicon containing a plurality of reference information entries being strings of characters predefined as identification information that may be written on the check;
a text recognition module analyzing text on the check against the plurality of reference information entries in the restricted lexicon to identify an information entry as the interpretation for the text, wherein the text is memo category information identifying a particular memo category to which the check is associated; and
an account statement generation module generating an account statement for the checking account and linking the check to the interpretation for the text on the account statement.
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Abstract
A check processing system for recognizing text on a check and processing the check using an interpretation for the recognized text is disclosed. The check processing system recognizes text on a check using a text recognition method wherein the text is compared to information entries in a customized recognition list stored in a restrictive lexicon. Thus, a process of creating restricted lexicons containing only customized recognition lists is disclosed. Like the text on the check, the information entries may be strings of characters, such as, without limitation, strings of numerical characters, alphabetic characters or a combination of alphabetic and numerical characters. Furthermore, the strings of characters for the text, as well as the information entries, may be a word or a phrase of words, such as payee names or memo categories. After the text is recognized, the check processing system processes the check using the interpretation by linking the check to the interpretation on an account statement.
98 Citations
27 Claims
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1. A system for identifying a check with text located on the check, the check being issued from a checking account by a payor to a payee, the system comprising:
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a restricted lexicon containing a plurality of reference information entries being strings of characters predefined as identification information that may be written on the check; a text recognition module analyzing text on the check against the plurality of reference information entries in the restricted lexicon to identify an information entry as the interpretation for the text, wherein the text is memo category information identifying a particular memo category to which the check is associated; and an account statement generation module generating an account statement for the checking account and linking the check to the interpretation for the text on the account statement. - View Dependent Claims (2, 3, 4)
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5. A method for processing a check issued from a checking account by a payor to a payee, the method comprising:
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receiving a recognition list having a plurality of information entries being strings of characters defined by the payor as memo categories that may be handwritten on the check; locating a memo category handwritten on the check; analyzing the handwritten memo category against each of the information entries in the recognition list to recognize one of the plurality of information entries as an interpretation for the handwritten memo category; and generating an account statement for the checking account detailing transactions of the checking account over a predetermined period of time and linking the check to the interpretation. - View Dependent Claims (6, 7, 8, 9, 10)
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11. A method for processing a check issued from a checking account by a payor of the checking account to a payee, the method comprising:
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receiving a field recognition list associated with the checking account, wherein the field recognition list includes a plurality of information entries predefined for the checking account to be expenses that may be input in a memo field on the check; detecting the checking account number on the check; selecting the field recognition list for the memo field of the check based on the checking account number; and analyzing text in the memo field of the check using the field recognition list to determine if the text in the memo field is recognized as one of the plurality of information entries in the field recognition list. - View Dependent Claims (12, 13, 14, 15, 16)
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17. A method for processing a check issued from a checking account by a payor of the checking account to a payee, the method comprising:
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receiving a first field recognition list associated with the checking account, wherein the first field recognition list includes a plurality of payee names predefined for the checking account; receiving a second field recognition list associated with the checking account, wherein the second field recognition list includes a plurality of expenses predefined for the checking account; detecting the checking account number on the check; selecting the first field recognition list and the second field recognition list based on the checking account number; and analyzing payee text in a payee field of the check using the first field recognition list to determine if the payee text is recognized as one of the plurality of payee names in the first field recognition list; and analyzing memo text in a memo field of the check using the second field recognition list to determine if the memo text is recognized as one of the plurality of expenses in the second field recognition list. - View Dependent Claims (18)
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19. A computer program product embodied in a computer readable medium and encoding a computer program of instructions for executing a computer process for processing a financial document issued on a financial account by an issuer of the financial document, the computer process comprising:
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receiving a field recognition list associated with the financial account, wherein the field recognition list includes a plurality of memo category names predefined for the financial account to be possible categories into which financial documents associated with the financial account may be categorized; detecting an account identifier for the financial account on the financial document; selecting the field recognition list based on the detected account identifier; and analyzing text in a memo field against the plurality of memo category names in the field recognition list to recognize the text as one of the plurality of memo category names in the field recognition list. - View Dependent Claims (20, 21, 22, 23, 24, 25, 26, 27)
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Specification