Systems and methods for real-time validation of check image quality
First Claim
Patent Images
1. A processor-implemented method for validating that a digital image of a check can be used in a deposit transaction, comprising:
- producing, via a processor, from a digital image of a check in a first format, a digital image of said check in a second format;
performing a first digital image analysis on said digital image of said check in said second format, in order to read a string of numbers, said string of numbers corresponding to a Magnetic Ink Character Recognition (MICR) line on said check, wherein said first digital image analysis is optimized for said second format and for an image comprising a white border;
performing a second digital image analysis on said digital image of said check in said second format, in order to read said string of numbers, wherein said second digital image analysis is optimized for said second format and for an image comprising a black border.
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Abstract
Systems and methods for real-time validation of check image quality and readability of MICR line data are provided. A check image received by a financial institution can be assessed during a customer on-line session, so that the customer is informed in real-time whether the image is acceptable. Received check images are used to produce images in another format, which are then analyzed for specified requirements.
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Citations
30 Claims
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1. A processor-implemented method for validating that a digital image of a check can be used in a deposit transaction, comprising:
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producing, via a processor, from a digital image of a check in a first format, a digital image of said check in a second format; performing a first digital image analysis on said digital image of said check in said second format, in order to read a string of numbers, said string of numbers corresponding to a Magnetic Ink Character Recognition (MICR) line on said check, wherein said first digital image analysis is optimized for said second format and for an image comprising a white border; performing a second digital image analysis on said digital image of said check in said second format, in order to read said string of numbers, wherein said second digital image analysis is optimized for said second format and for an image comprising a black border. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10)
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11. A system for validating that a digital image of a check can be used in a deposit transaction, comprising:
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a memory containing a plurality of processing instructions; a processor in communication with said memory, and configured to execute the plurality of processing instructions to; produce, from a digital image of a check in a first format, a digital image of said check in a second format; perform a first digital image analysis on said digital image of said check in said second format, in order to read a string of numbers, said string of numbers corresponding to a Magnetic Ink Character Recognition (MICR) line on said check, wherein said first digital image analysis is optimized for said second format and for an image comprising a white border; and perform a second digital image analysis on said digital image of said check in said second format, in order to read said string of numbers, wherein said second digital image analysis is optimized for said second format and for an image comprising a black border. - View Dependent Claims (12, 13, 14, 15, 16, 17, 18, 19, 20)
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21. A computer readable non-transitory medium having stored instructions for validating that a digital image of a check can be used in a deposit transaction, comprising:
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instructions for producing, from a digital image of a check in a first format, a digital image of said check in a second format; instructions for performing a first digital image analysis on said digital image of said check in said second format, in order to read a string of numbers, said string of numbers corresponding to a Magnetic Ink Character Recognition (MICR) line on said check, wherein said first digital image analysis is optimized for said second format and for an image comprising a white border; instructions for performing a second digital image analysis on said digital image of said check in said second format, in order to read said string of numbers, wherein said second digital image analysis is optimized for said second format and for an image comprising a black border. - View Dependent Claims (22, 23, 24, 25, 26, 27, 28, 29, 30)
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Specification