Image processing system

• US 7,630,518 B2
• Filed: 08/04/2005
• Issued: 12/08/2009
• Est. Priority Date: 08/04/2005
• Status: Active Grant

• Current Assignee: Bank of America Corp.
• Original Assignee: Bank of America Corp.
• Inventors: Calman, Matthew A., Felse, Mark David, Cantley, Kerry, Frew, David Todd
• Primary Examiner(s): Bella, Matthew C
• Assistant Examiner(s): LIEW, ALEX KOK SOON
• Application Number:
  US11/161,475
• Publication Number:
  US 20070031022A1
• Time in Patent Office: 1,587 Days
• Field of Search: None
• US Class Current: 382/112
• CPC Class Codes: G06Q 10/10 Office automation; Time management
• CPC Class Codes: G06Q 20/0425 the cheque being electronic only
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: G06V 10/993 Evaluation of the quality of the acquired pattern

Abstract

An image processing system requires that both a data file and an image file are received before the item is sent to a posting system. When a data file including an image is received, the system determines if the image was properly and timely received. If the file was properly received, the file is interpreted to ascertain whether the image has been previously tested and passed image quality analysis or if it requires testing by the receiving institution. If testing is required the image is sent through image quality analysis (IQA) to determine if the image meets an acceptable quality standard. If the image passes IQA, it is passed to the institution'"'"'s posting process. If the image does not pass IQA and the failure is not overridden, the item is returned to the presenting institution. The system prevents the posting of the transaction and corresponding image until a quality image is received and approved.

Claims

1. An image document processing method performed by a processor, the method comprising:

receiving an electronic image of a document sent from a sending institution to a receiving institution;

determining whether an image quality analysis was already conducted on the electronic image by the sending institution or by an institution that had the image prior to the receiving institution;

if it is determined that the sending institution or the institution that had the image prior to the receiving institution already conducted an image quality analysis, reviewing the results of the image quality analysis and determining whether the results are acceptable; and

if it is determined that an image quality analysis was not already conducted by the sending institution or an institution that had the image prior to the receiving institution, performing an image quality analysis on the electronic image.

2. The method of claim 1 further comprising:

receiving an electronic file, said file containing data; and

determining whether the electronic file contains the electronic image.

3. The method of claim 2 further comprising:

determining that the electronic file contains non-image data but does not contain the electronic image;

storing the non-image data in an image-pending datastore until the electronic image is received at some later time; and

associating the non-image data with the electronic image after both the non-image data and electronic image are received.

4. The method of claim 2 further comprising logging the electronic file into a received file log.

5. The method of claim 1 wherein the step of receiving the electronic image comprises:

receiving a non-image data file, said non-image data file logged into a received file log; and

receiving the electronic image after said non-image data file, and associating said image with said non-image data file.

6. The method of claim 1 further comprising determining if the received electronic image has been received in accordance with an agreement with the sending institution.

7. The method of claim 1 further comprising identifying the electronic image for either next day processing or same day processing.

8. The method of claim 1 further comprising:

posting the electronic image to an account.

9. The method of claim 8 further comprising:

determining if there is sufficient time to post the electronic image to the account; and

posting the electronic image only if it is determined that there is sufficient time.

10. The method of claim 8 further comprising:

determining if there is sufficient time to complete the posting of the electronic image to the account; and

holding the posting until the next day if it is determined that there is not sufficient time to complete the posting.

11. The method of claim 10 further comprising booking a work-in-process general ledger entries of the transaction.

12. The method of claim 1, further comprising:

performing a manual image quality analysis if the electronic image fails the automated image quality analysis;

passing the electronic image for further processing only if the electronic image passes the automated image quality analysis or the manual image quality analysis; and

returning the electronic image to the sending institution if the electronic image fails the manual image quality analysis.

13. The method of claim 1, wherein the document comprises a negotiable instrument.

14. The method of claim 13, wherein the document comprises a check.

15. The method of claim 1, wherein the sending institution and the receiving institution comprise financial institutions.

16. The method of claim 1, wherein the receiving institution comprises a payor bank.

17. The method of claim 1, wherein the method is performed by a payor bank.

18. An image document processing apparatus comprising:

means for receiving a file;

means for determining if the file is eligible for further processing by determining if an image or non-image data is contained in the file;

means for storing the non-image data in an image-pending datastore if there is no image in the file;

means for matching an image with non-image data;

means for determining whether an image quality analysis was already conducted on the image by the sending institution;

means for reviewing the results of the image quality analysis and for generating a pass or fail result, if it is determined that the sending institution already conducted an image quality analysis on the image;

means for performing an image quality analysis on the image and for generating a pass or fail result, if it is determined that an image quality analysis was not already conducted on the image by the sending institution; and

means for processing the file and image if the pass result is generated.

19. An image document processing method performed by a processor, the method comprising:

receiving a file,

determining if said file includes an image of a check, non-image data, or both;

if the file contains the non-image data and does not contain the image, storing the non-image data in an image-pending datastore until the image is received at some later time;

if the file contains an image, determining whether an image quality analysis was already performed on the image by another institution;

if it is determined that another institution already performed an image quality analysis on the image, reviewing the results of the image quality analysis;

if it is determined that an image quality analysis was not already performed by another institution, performing an image quality analysis on the image; and

passing the file and image of the check for posting to an account if the image passes the image quality analysis.

20. An image document processing method performed by a processor, the method comprising:

receiving a file containing an electronic image of a document, non-image data, or both;

if the file contains only non-image data and no image, storing the non-image data in an image-pending datastore until the image is received at some later time;

determining if an image quality analysis was conducted by another institution;

if it is determined that another institution already performed an image quality analysis on the image, reviewing the results of the image quality analysis;

if it is determined that an image quality analysis was not already conducted by another institution, performing an image quality analysis on the image;

passing the file and image for further processing if the image passes the image quality analysis; and

using agreement criteria based on agreements between a payor bank and a receiving bank or other presenting bank to automatically determine if there is sufficient time to complete the posting of the image to the account and holding the posting until the next day if there is not sufficient time to complete the posting.

21. An image document processing method performed by a processor, the method comprising:

receiving a file;

determining if the file is an image file containing an image, a data file containing no image, or a combination file containing an image and non-image data;

if it is determined that the file is a data file that does not contain an image, acknowledging the data file without performing an image quality analysis;

if it is determined that the file is an image file that contains an image, determining if an image quality analysis was conducted on the image by another institution;

if an image quality analysis was not conducted by another institution, performing an image quality analysis on the image associated with the image file;

if an image quality analysis was already conducted on the image associated with the image file by another institution, reviewing the results of the image quality analysis;

associating the image file to a previously received data file;

if it is determined that the file is a combination file containing an image and non-image data, determining if an image quality analysis was conducted on the image by another institution;

if it is determined that an image quality analysis was not conducted by another institution, performing an image quality analysis on the image associated with the combination file

if it is determined that an image quality analysis was already conducted on the image associated with the combination file by another institution, reviewing the results of the image quality analysis; and

passing the image for further processing if the image passes the image quality analysis.