Systems, methods and computer program products for determining document validity
First Claim
Patent Images
1. A system, comprising a processor;
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perform optical character recognition (OCR) on an image of a financial document;
correct OCR errors in the financial document using at least one of textual information from a complementary document and predefined business rules; and
eithernormalize data from the complementary document using at least one of textual information from the financial document and the predefined business rules;
ornormalize data from the financial document using at least one of textual information from the complementary document and the predefined business rules; and
determine whether the financial document is an eligible form of payment for a financial transaction based on one or more predetermined ranking criteria selected from;
an account associated with the financial document having a balance greater than or equal to a value of the financial transaction;
the account associated with the financial document having a credit limit greater than or equal to the value of the financial transaction;
the account associated with the financial document having an available credit amount greater than or equal to the value of the financial transaction;
the account associated with the financial document having an expiration date later than a date the financial transaction attempt is initiated;
the account associated with the financial document having associated therewith one or more of a benefit and a reward;
identifying data associated with the financial document matching identifying data provided in connection with the attempt to initiate the financial transaction;
the financial document having been used to process a prior financial transaction with an entity also corresponding to the attempted financial transactiona frequency of use of some or all of the plurality of financial documents being greater than a minimum frequency of use threshold;
the frequency of use of some or all of the plurality of financial documents being less than a maximum frequency of use threshold;
a recency of use of some or all of the plurality of financial documents being more than a minimum recency threshold;
the recency of use of some or all of the plurality of financial documents being less than a maximum recency threshold;
a frequency of use of some or all of the plurality of financial documents in at least one financial transaction between the user and the entity corresponding to the attempted financial transaction; and
a recency of use of some or all of the plurality of financial documents in at least one financial transaction between the user and the entity corresponding to the attempted financial transaction.
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Accused Products
Abstract
In one embodiment, a method includes performing optical character recognition (OCR) on an image of a financial document and at least one of: (a) correct OCR errors in the financial document using at least one of textual information from a complementary document and predefined business rules; (b) normalize data from the complementary document using at least one of textual information from the financial document and the predefined business rules; and (c) normalize data from the financial document using at least one of textual information from the complementary document and the predefined business rules. Exemplary systems and computer program products are also disclosed.
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Citations
18 Claims
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1. A system, comprising a processor;
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logic in and/or executable by the processor and configured to cause the processor to; perform optical character recognition (OCR) on an image of a financial document; correct OCR errors in the financial document using at least one of textual information from a complementary document and predefined business rules; and
eithernormalize data from the complementary document using at least one of textual information from the financial document and the predefined business rules;
ornormalize data from the financial document using at least one of textual information from the complementary document and the predefined business rules; and determine whether the financial document is an eligible form of payment for a financial transaction based on one or more predetermined ranking criteria selected from; an account associated with the financial document having a balance greater than or equal to a value of the financial transaction; the account associated with the financial document having a credit limit greater than or equal to the value of the financial transaction; the account associated with the financial document having an available credit amount greater than or equal to the value of the financial transaction; the account associated with the financial document having an expiration date later than a date the financial transaction attempt is initiated; the account associated with the financial document having associated therewith one or more of a benefit and a reward; identifying data associated with the financial document matching identifying data provided in connection with the attempt to initiate the financial transaction; the financial document having been used to process a prior financial transaction with an entity also corresponding to the attempted financial transaction a frequency of use of some or all of the plurality of financial documents being greater than a minimum frequency of use threshold; the frequency of use of some or all of the plurality of financial documents being less than a maximum frequency of use threshold; a recency of use of some or all of the plurality of financial documents being more than a minimum recency threshold; the recency of use of some or all of the plurality of financial documents being less than a maximum recency threshold; a frequency of use of some or all of the plurality of financial documents in at least one financial transaction between the user and the entity corresponding to the attempted financial transaction; and a recency of use of some or all of the plurality of financial documents in at least one financial transaction between the user and the entity corresponding to the attempted financial transaction. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18)
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Specification