Systems and methods for processing a payment coupon image

• US 8,635,155 B2
• Filed: 06/18/2010
• Issued: 01/21/2014
• Est. Priority Date: 06/18/2010
• Status: Active Grant

• Current Assignee: Fiserv Incorporated
• Original Assignee: Fiserv Incorporated
• Inventors: Lawson, Mary Elizabeth, Dickerson, Joseph Carl, Whiteside, Barbara Wilson, Hobday, Donald Kenneth, Dreyer, Hans Daniel
• Primary Examiner(s): Robinson, Kito R
• Application Number:
  US12/818,964
• Publication Number:
  US 20110313918A1
• Time in Patent Office: 1,313 Days
• Field of Search: 705/40, 705/35
• US Class Current: 705/40
• CPC Class Codes: G06F 16/93 Document management systems
• CPC Class Codes: G06Q 20/102 Bill distribution or payments
• CPC Class Codes: G06Q 20/14 specially adapted for billing systems
• CPC Class Codes: G06Q 20/22 Payment schemes or models
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/325 using wireless networks
• 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 20/387 Payment using discounts or coupons relating to marketing G06Q30/02
• CPC Class Codes: G06Q 30/0207 Discounts or incentives, e.g. coupons or rebates
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: G06V 20/62 Text, e.g. of license plates, overlay texts or captions on TV images
• CPC Class Codes: G06V 30/224 of printed characters having additional code marks or containing code marks

Abstract

Embodiments of the invention may provide systems and methods for processing a payment coupon image. In one embodiment, a method includes receiving an image representing a payment coupon from a payer, determining an identity of a biller associated with the payment coupon based at least in part on information displayed by the image, and extracting data from the image based at least in part on payment coupon metadata associated with the biller indicating a layout of the payment coupon. The method may further include performing at least one of: (a) processing a payment associated with the payment coupon to the biller based at least in part on the data extracted from the image; (b) adding the biller to a list of billers for a payer associated with the payment coupon; or (c) activating the biller as an electronic biller for the payer associated with the payment coupon.

Claims

1. A method, comprising:

receiving, from a payer by a payment service provider system comprising one or more computers, an image representing a payment coupon;

determining, by the payment service provider system, an identity of a biller associated with the payment coupon utilizing optical character recognition processing on at least one predetermined first location in the image;

determining, by the payment service provider system based at least in part upon the identity of the biller, whether stored payment coupon metadata indicating a layout of the payment coupon is available;

extracting, by the payment service provider system when the payment coupon metadata is available, data from the image based at least in part on the payment coupon metadata, wherein extracting data from the image comprises performing optical character recognition processing on one or more predetermined second locations in the image based at least in part on the payment coupon metadata;

or

executing, by the payment service provider system when payment coupon metadata is not available, a process to (i) receive payer input for facilitating data extraction from the image and (ii) extract the data from the image based at least in part upon received payer input, wherein extracting data from the image comprises performing optical character recognition processing on one or more predetermined second locations in the image based at least in part on the received payer input; and

performing, by the payment service provider system based at least in part upon the extracted data, at least one of;

(a) processing a payment associated with the payment coupon to the biller;

(b) adding the biller to a list of payees for the payer;

or (c) activating the biller as an electronic biller for the payer.

2. The method of claim 1, wherein the image comprises one of:

(a) a scanned image of the payment coupon;

or (b) a photograph of the payment coupon.

3. The method of claim 1, wherein performing at least one of:

(a) processing the payment associated with the payment coupon to the biller;

(b) adding the biller to the list of payees for the payer;

or (c) activating the biller as an electronic biller for the payer comprises;

determining that the biller is not associated with the list of payees for the payer; and

adding the biller to the list of payees.

4. The method of claim 3, wherein extracting data from the image further comprises:

extracting an account identifier for the payer from the image; and

storing the account identifier in association with the payer.

5. The method of claim 3, wherein extracting data from the image further comprises:

extracting an address for the biller from the image; and

storing the address in association with the biller.

6. The method of claim 1, wherein performing at least one of:

(a) processing the payment associated with the payment coupon to the biller;

(b) adding the biller to the list of payees for the payer;

or (c) activating the biller as an electronic biller for the payer comprises;

determining that the biller is not activated as an electronic biller for the payer; and

activating the biller as an electronic biller for the payer.

7. The method of claim 6, wherein extracting data from the image further comprises:

extracting an address for the biller from the image; and

storing the address in association with the biller.

8. The method of claim 1, wherein performing at least one of:

(a) processing the payment associated with the payment coupon to the biller;

(b) adding the biller to the list of payees for the payer;

or (c) activating the biller as an electronic biller for the payer comprises;

extracting payment information from the image; and

directing a payment to the biller on behalf of the payer based at least in part on the payment information and the identity of the biller.

9. The method of claim 8, wherein the payment information comprises at least one of:

(a) a payment amount;

(b) an account identifier for the payer;

or (c) a payment date associated with the payment coupon.

10. The method of claim 8, further comprising, prior to directing the payment, communicating the payment information to the payer for confirmation or modification.

11. The method of claim 1, wherein the payment coupon metadata is previously stored in association with the biller.

12. The method of claim 1, wherein the payment coupon metadata is captured based at least in part upon the received payer input.

13. The method of claim 12, wherein it is determined that that payment coupon metadata is not available, and further comprising:

requesting a respective set of one or more field indicators for each of one or more fields with the image, wherein each respective set of one or more field indicators represent at least one of i) an approximate size of the corresponding field, or ii) an approximate location of the corresponding field;

receiving, as the payer input, the respective set of one or more field indicators for the one or more fields within the image; and

storing information associated with the respective set of one or more field indicators for the one or more fields within the image as the payment coupon metadata in association with the biller.

14. The method of claim 1, wherein at least a portion of the stored payment coupon metadata was previously determined based at least in part upon input received from one or more payers.

15. The method of claim 1, wherein the at least one first predetermined location is based at least in part on one or more known billers of the payer.

16. A system, comprising:

at least one memory comprising computer-executable instructions;

at least one communications interface; and

at least one processor in communication with the at least one communications interface, and the at least one memory and configured to execute the computer-executable instructions to;

receive an image representing a payment coupon;

determine an identity of a biller associated with the payment coupon utilizing optical character recognition processing on at least one first predetermined location in the image;

determine, based at least in part upon the identity of the biller, whether stored payment coupon metadata indicating a layout of the payment coupon is available;

extract, when payment coupon metadata is available, data from the image based at least in part on the payment coupon metadata, wherein the extraction includes optical character recognition processing at one or more second predetermined locations in the image based at least in part on the payment coupon metadata;

or

execute, when payment coupon metadata is not available, a process to (i) receive payer input for facilitating data extraction from the image and (ii) extract the data from the image based at least in part upon received payer input, wherein the extraction includes optical character recognition processing at one or more second predetermined locations in the image based at least in part on the received payer input; and

perform, based at least in part upon the extracted data, at least one of;

(a) processing a payment associated with the payment coupon to the biller;

(b) adding the biller to a list of payees for the payer;

or (c) activating the biller as an electronic biller for the payer.

17. The system of claim 16, wherein the payment coupon metadata is previously stored in association with the biller by the payment service provider system.

18. The system of claim 16, wherein the payment coupon metadata is captured based at least in part upon the received payer input.

19. The system of claim 16, wherein the at least one first predetermined location is based at least in part on one or more known billers of the payer.

20. The system of claim 16, wherein the image comprises one of:

(a) a scanned image of the payment coupon;

or (b) a photograph of the payment coupon.

21. The system of claim 16, wherein the computer executable instructions to perform at least one of:

(a) processing the payment associated with the payment coupon to the biller;

(b) adding the biller to the list of payees for the payer;

or (c) activating the biller as an electronic biller for the payer comprise computer executable instructions to;

determine that the biller is not associated with the list of payees for the payer; and

add the biller to the list of payees.

22. The system of claim 21, wherein the computer executable instructions to extract data from the image further comprise computer executable instructions to:

extract an account identifier for the payer from the image; and

store the account identifier in association with the payer.

23. The system of claim 21, wherein the computer executable instructions to extract data from the image further comprise computer executable instructions to:

extract an address for the biller from the image; and

store the address in association with the biller.

24. The system of claim 16, wherein the computer executable instructions to perform at least one of:

(a) processing the payment associated with the payment coupon to the biller;

(b) adding the biller to the list of payees for the payer;

or (c) activating the biller as an electronic biller for the payer comprise computer executable instructions to;

determine that the biller is not activated as an electronic biller for the payer; and

activate the biller as an electronic biller for the payer.

25. The system of claim 24, wherein the computer executable instructions to extract data from the image further comprise computer executable instructions to:

extract an address for the biller from the image; and

store the address in association with the biller.

26. The system of claim 16, wherein the computer executable instructions to perform at least one of:

(a) processing the payment associated with the payment coupon to the biller;

(b) adding the biller to the list of payees for the payer;

or (c) activating the biller as an electronic biller for the payer comprise computer executable instructions to;

extracting payment information from the image; and

directing a payment to the biller on behalf of the payer based at least in part on the payment information and the identity of the biller.

27. The system of claim 26, wherein the payment information comprises at least one of:

(a) a payment amount;

(b) an account identifier for the payer;

or (c) a payment date associated with the payment coupon.

28. The system of claim 26, further comprising computer executable instructions to communicate the payment information to the payer for confirmation or modification.

29. The system of claim 16, wherein it is determined that that payment coupon metadata is not available, and further comprising computer executable instructions to:

request a respective set of one or more field indicators for each of one or more fields with the image, wherein each respective set of one or more field indicators represent at least one of i) an approximate size of the corresponding field, or ii) an approximate location of the corresponding field;

receive the respective set of one or more field indicators for the one or more fields within the image; and

store information associated with the respective set of one or more field indicators for the one or more fields within the image as the payment coupon metadata in association with the biller.

30. A method, comprising:

receiving, from a payer by a payment service provider system comprising one or more computers, an image representing a payment coupon;

performing, by the payment service provider system, optical character recognition processing on at least one predetermined biller location in the image to determine an identity of a biller associated with the payment coupon;

if the optical character recognition processing determines the identity of the biller, then;

determining, by the payment service provider system based at least in part upon the biller identity, whether stored payment coupon metadata indicating a layout of the payment coupon is available,

extracting, by the payment service provider system when payment coupon metadata is available, data from the image based at least in part on the payment coupon metadata, wherein extracting data from the image comprises performing optical character recognition processing on one or more predetermined data locations in the image based at least in part on the payment coupon metadata, or

executing, by the payment service provider system when payment coupon metadata is not available, a process to (i) receive payer input for facilitating data extraction from the image and (ii) extract the data from the image based at least in part upon received payer input, wherein extracting data from the image comprises performing optical character recognition processing on one or more predetermined data locations in the image based at least in part on the received payer input; and

performing, by the payment service provider system based at least in part upon the extracted data, at least one of;

(a) processing a payment associated with the payment coupon to the biller;

(b) adding the biller to a list of payees for the payer;

or (c) activating the biller as an electronic biller for the payer;

or

if the optical character recognition processing fails to determine the identity of the biller, then;

receiving, by the payment service provider from the payer, the identity of biller,

determining, by the payment service provider system based at least in part upon the biller identity, whether stored payment coupon metadata indicating a layout of the payment coupon is available,

extracting, by the payment service provider system when payment coupon metadata is available, data from the image based at least in part on the payment coupon metadata, wherein extracting data from the image comprises performing optical character recognition processing on one or more predetermined data locations in the image based at least in part on the payment coupon metadata, or

executing, by the payment service provider system when payment coupon metadata is not available, a process to (i) receive payer input for facilitating data extraction from the image and (ii) extract the data from the image based at least in part upon received payer input, wherein extracting data from the image comprises performing optical character recognition processing on one or more predetermined data locations in the image based at least in part on the received payer input; and

performing, by the payment service provider system based at least in part upon the extracted data, at least one of;

(a) processing a payment associated with the payment coupon to the biller;

(b) adding the biller to a list of payees for the payer;

or (c) activating the biller as an electronic biller for the payer.

31. The method of claim 30, wherein performing at least one of:

(a) processing the payment associated with the payment coupon to the biller;

(b) adding the biller to the list of payees for the payer;

or (c) activating the biller as an electronic biller for the payer comprises;

extracting payment information from the image; and

directing a payment to the biller on behalf of the payer based at least in part on the payment information and the identity of the biller.

32. The method of claim 30, wherein at least a portion of the stored payment coupon metadata was previously determined based at least in part upon input received from one or more payers.

33. The method of claim 30, wherein performing at least one of:

(a) processing the payment associated with the payment coupon to the biller;

(b) adding the biller to the list of payees for the payer;

or (c) activating the biller as an electronic biller for the payer comprises;

determining that the biller is not associated with the list of payees for the payer; and

adding the biller to the list of payees.

34. The method of claim 30, wherein the at least one predetermined biller location is based at least in part on one or more known billers of the payer.

35. A system, comprising:

at least one memory comprising computer-executable instructions;

at least one communications interface; and

at least one processor in communication with the at least one communications interface, and the at least one memory and configured to execute the computer-executable instructions to;

receive an image representing a payment coupon;

perform optical character recognition processing on at least one predetermined biller location in the image to determine an identity of a biller associated with the payment coupon;

if the optical character recognition processing determines the identity of the biller, then;

determine, by the payment service provider system based at least in part upon the biller identity, whether stored payment coupon metadata indicating a layout of the payment coupon is available,

extract, by the payment service provider system when payment coupon metadata is available, data from the image based at least in part on the payment coupon metadata, wherein the extraction includes optical character recognition processing at one or more second predetermined locations in the image based at least in part on the payment coupon metadata, or

execute, by the payment service provider system when payment coupon metadata is not available, a process to (i) receive payer input for facilitating data extraction from the image and (ii) extract the data from the image based at least in part upon received payer input, wherein the extraction includes optical character recognition processing at one or more second predetermined locations in the image based at least in part on the received payer input, and

perform, by the payment service provider system based at least in part upon the extracted data, at least one of;

(a) processing a payment associated with the payment coupon to the biller;

(b) adding the biller to a list of payees for the payer;

or (c) activating the biller as an electronic biller for the payer;

or

if the optical character recognition processing fails to determine the identity of the biller, then;

receive, by the payment service provider from the payer, the identity of biller,

determine, by the payment service provider system based at least in part upon the biller identity, whether stored payment coupon metadata indicating a layout of the payment coupon is available,

extract, by the payment service provider system when payment coupon metadata is available, data from the image based at least in part on the payment coupon metadata, wherein the extraction includes optical character recognition processing at one or more second predetermined locations in the image based at least in part on the payment coupon metadata, or

execute, by the payment service provider system when payment coupon metadata is not available, a process to (i) receive payer input for facilitating data extraction from the image and (ii) extract the data from the image based at least in part upon received payer input, wherein the extraction includes optical character recognition processing at one or more second predetermined locations in the image based at least in part on the received payer input; and

perform, by the payment service provider system based at least in part upon the extracted data, at least one of;

(a) processing a payment associated with the payment coupon to the biller;

(b) adding the biller to a list of payees for the payer;

or (c) activating the biller as an electronic biller for the payer.

36. The system of claim 35, wherein the computer executable instructions to perform at least one of:

(a) processing the payment associated with the payment coupon to the biller;

(b) adding the biller to the list of payees for the payer;

or (c) activating the biller as an electronic biller for the payer comprise computer executable instructions to;

extract payment information from the image; and

direct a payment to the biller on behalf of the payer based at least in part on the payment information and the identity of the biller.

37. The system of claim 35, wherein at least a portion of the stored payment coupon metadata was previously determined based at least in part upon input received from one or more payers.

38. The system of claim 35, wherein the computer executable instructions to perform at least one of:

(a) processing the payment associated with the payment coupon to the biller;

(b) adding the biller to the list of payees for the payer;

or (c) activating the biller as an electronic biller for the payer comprise computer executable instructions to;

determine that the biller is not associated with the list of payees for the payer; and

add the biller to the list of payees.

39. The system of claim 35, wherein the at least one predetermined biller location is based at least in part on one or more known billers of the payer.

40. The system of claim 35, wherein the image comprises one of:

(a) a scanned image of the payment coupon;

or (b) a photograph of the payment coupon.

41. The system of claim 40, wherein the computer executable instructions to extract data from the image further comprise computer executable instructions to:

extract an account identifier for the payer from the image; and

store the account identifier in association with the payer.

42. The system of claim 40, wherein the computer executable instructions to extract data from the image further comprise computer executable instructions to:

extract an address for the biller from the image; and

store the address in association with the biller.

43. The system of claim 35, wherein the computer executable instructions to perform at least one of:

(a) processing the payment associated with the payment coupon to the biller;

(b) adding the biller to the list of payees for the payer;

or (c) activating the biller as an electronic biller for the payer comprise computer executable instructions to;

determine that the biller is not activated as an electronic biller for the payer; and

activate the biller as an electronic biller for the payer.

44. The system of claim 43, wherein the computer executable instructions to extract data from the image further comprise computer executable instructions to:

extract an address for the biller from the image; and

store the address in association with the biller.

45. The system of claim 36, wherein the payment information comprises at least one of:

(a) a payment amount;

(b) an account identifier for the payer;

or (c) a payment date associated with the payment coupon.

46. The system of claim 36, further comprising computer executable instructions to communicate the payment information to the payer for confirmation or modification.

47. The system of claim 35, wherein it is determined that that payment coupon metadata is not available, and further comprising computer executable instructions to:

request a respective set of one or more field indicators for each of one or more fields with the image, wherein each respective set of one or more field indicators represent at least one of i) an approximate size of the corresponding field, or ii) an approximate location of the corresponding field;

receive the respective set of one or more field indicators for the one or more fields within the image; and

store information associated with the respective set of one or more field indicators for the one or more fields within the image as the payment coupon metadata in association with the biller.