System and method for converting information on paper forms to electronic data

• US 7,203,663 B1
• Filed: 06/20/2000
• Issued: 04/10/2007
• Est. Priority Date: 02/15/2000
• Status: Expired due to Term

• Current Assignee: JP Morgan Chase Bank, N.A. (JP Morgan Chase & Co)
• Original Assignee: JP Morgan Chase Bank, N.A. (JP Morgan Chase & Co)
• Inventors: Buisman, William J., Cohen, Gary, Fox, Steven R., Kruse, Charles, Sulpizio, Christine
• Primary Examiner(s): Trammell, James P.
• Application Number:
  US09/597,297
• Time in Patent Office: 2,485 Days
• Field of Search: 705 35- 40
• US Class Current: 705/38
• CPC Class Codes: G06Q 40/03 Credit; Loans; Processing thereof
• CPC Class Codes: G06V 30/10 Character recognition
• CPC Class Codes: G06V 30/1444 Selective acquisition, locating or processing of specific regions, e.g. highlighted text, fiducial marks or predetermined fields
• CPC Class Codes: H04N 1/00209 Transmitting or receiving image data, e.g. facsimile data, via a computer, e.g. using e-mail, a computer network, the internet, I-fax
• CPC Class Codes: H04N 2201/0089 Image display device

Abstract

The invention is a system and method for converting paper forms to electronic data. More specifically, a special purpose system and technique are described for performing the conversion in a manner that is advantageous in terms of overall cost and cycle time. The approach is applicable to many different form types; the forms may be credit card applications, license applications, or tax returns, for example. Because present day scanners and character recognition algorithms still result in read errors, manual data correction is required. One technique described in the invention is how to efficiently use both internal and external data entry operators as part of an overall conversion process. The invention also illustrates how to apply contingent workflow management concepts to the data conversion process. The result is a more efficient and effective business process.

Claims

1. A computer implemented method for converting forms to electronic format in a system adapted to process multiple different types of forms, comprising:

(a) receiving forms, the forms including form code identifiers on the forms, the form code identifiers being provided by the form provider and not by an applicant completing the form;

(b) reading the forms into electronic format based on computer-implemented character recognition;

(c) determining the form code identifiers for the forms, the form code identifiers identifying a plurality of different types of forms corresponding to different financial products available to applicants;

(d) assigning priorities to the forms based on the determination of the form code identifiers, wherein at least some of the assigned priorities for some forms are different from the assigned priorities for other forms;

(e) routing the forms to different validation and repair systems based on the determined form code identifiers;

(f) processing the forms for validation and repair according to a contingent workflow, the contingent workflow being based at least in part on priorities assigned to forms; and

(g) making the form data available to a subsequent process.

2. The method of claim 1, wherein wherein the forms are subdivided into snippets forwarded to validation and repair systems such that at least some validation and repair systems perform validation and repair on snippets and not on the entirety of the form.

3. The method of claim 1, wherein step (a) of receiving comprises receipt of a form from a facsimile machine.

4. The method of claim 1, wherein step (b) of reading comprises image capture.

5. The method of claim 1, wherein step (b) of reading comprises at least one of optical character recognition and intelligent character recognition.

6. The method of claim 1, wherein step (f) of processing comprises a workflow contingent on the ability to identify the form code identifiers.

7. The method of claim 1, wherein step (f) of processing comprises a workflow contingent on the presence of a change of address.

8. The method of claim 1, wherein step (f) of processing according to a contingent workflow comprises processing forms as parsed snippets when the form code identifier can be determined, and processing forms as full images when the form code identifier can not be determined.

9. The method of claim 1, wherein step (f) of processing comprises a workflow contingent on the type of error in the form that has been read into electronic format based on computer-implemented character recognition.

10. The method of claim 1, wherein step (g) of making comprises a process that writes data to another location.

11. The method of claim 1, wherein step (g) of making comprises a process that allows data to be read from another location.

12. The method of claim 1, wherein step (g) of making comprises data sharing with a transaction.

13. The method of claim 12, wherein the transaction is review of credit card applications.

14. The method of claim 1, wherein step (g) of making comprises data sharing with a database.

15. The method of claim 1, wherein step (f) of processing comprises a workflow contingent on at least four (4) parameters including:

(1) the ability to determine the form code identifier;

(2) the assigned priority of a form;

(3) an indication of a change of address; and

(4) an indicia of the type of error resulting from the reading step.

16. The method of claim 15, further wherein the step (f) of processing the forms according to a contingent workflow comprises a first review cycle by an external data entry validation and repair system and a second review cycle by an internal data entry validation and repair system.

17. The method of claim 16, wherein the second review cycle is performed contingent upon whether the first review cycle can resolve errors in reading the forms.