Image recreation using image lift data

• US 9,025,851 B2
• Filed: 02/15/2013
• Issued: 05/05/2015
• Est. Priority Date: 02/15/2013
• Status: Active Grant

• Current Assignee: Bank of America Corp.
• Original Assignee: Bank of America Corp.
• Inventors: Smith, Michael Gerald, Williams, Geoffrey Reed, Gibson, Lisa, Palmer, Craig David, Sandoz, Eric Scott, Nixon, Melvin Gregory
• Primary Examiner(s): AZARIAN, SEYED H
• Application Number:
  US13/768,750
• Publication Number:
  US 20140233834A1
• Time in Patent Office: 809 Days
• Field of Search: 382/100, 382/103, 382112-116, 382135-140, 382/151, 382/155, 382/162, 382/168, 382/173, 382/181, 382187-188, 382/199, 382/209, 382216-219, 382/232, 382/254, 382/274, 382/276, 382284-301, 382/305, 382/312, 235/379, 194/207, 705/44, 705/45, 715/838
• US Class Current: 382/137
• CPC Class Codes: G06Q 20/042 characterized in that the payment protocol involves at least one cheque
• CPC Class Codes: G06Q 20/1085 involving automatic teller machines [ATMs]
• CPC Class Codes: G06Q 20/3223 Realising banking transactions through M-devices
• 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: H04N 1/4177 encoding document change data, e.g. form drop out data

Abstract

Embodiments of the invention include systems, methods, and computer-program products for providing recreated image documents using image lift data. In this way, an entity may store limited amounts of image data from an original document and subsequently recreate the document image using image lift data. As such, the invention may receive an image document for storage. Upon receiving a document from a transaction for storage, the system may store metadata associated with that document, instead of storing the entire document as a high resolution image file. Furthermore, the system may determine specific unique elements of the document (such as signatures or the like) to capture as an image file. This allows the unique element to be lifted as image data. Using the lifted image data, in combination with the metadata, the system may recreate the image as a system generated image for user recall and reconciliation.

Claims

1. A system for image recreation, the system comprising:

a memory device with computer-readable program code stored thereon;

a communication device;

a processing device operatively coupled to the memory device and the communication device, wherein the processing device is configured to execute the computer-readable program code to;

receive, from an automated teller machine (ATM), an indication of a user transaction between a user and a merchant for a product or service, wherein receiving the indication of the user transaction comprises receiving an image of the transaction documents associated with the user transaction;

determine data from the transaction documents associated with the user transaction, wherein the determined data is stored as text data, wherein the stored text data comprises a description the product or service of the user transaction;

determine elements from the transaction documents associated with the user transaction, wherein elements are captured images of the transaction documents, wherein the captured elements are stored as image data;

determine that the transaction documents contains a handwritten signature;

capture an image of the handwritten signature;

store a copy of the image of the handwritten signature;

receive a request for a copy of an image of one or more of the transaction documents associated with the user transaction, wherein the copy of an image is a generated image representing the image of the transaction documents associated with the user transaction;

retrieve the stored text data and the stored image data from the one or more transaction documents based requested;

merge the retrieved stored text data and the copy of the image of the handwritten signature onto a template from the one or more transaction documents to create a copy of the image of the one or more transaction documents requested, wherein merging the copy of the handwritten signature is based on determining that the transaction documents contains a handwritten signature;

analyze user transaction habits based on a compiling of the stored text data from the transaction documents associated with one or more user transactions;

determine, from the user transaction habits, one or more potential product recommendations for the user based on analyzing the user transaction habits; and

communicate, to the ATM, at least the one or more potential product recommendations for the user, and the copy of the image of the one or more transaction documents requested.

2. The system of claim 1 further comprising capturing only the determined elements from the transaction documents using image capture, wherein the elements comprise one or more unique marking associated with the transaction documents.

3. The system of claim 2, wherein one or more unique marking comprises hand written markings on the transaction document.

4. The system of claim 1, wherein determining elements from the transaction documents associated with the user transaction wherein elements are captured images of the transaction documents, further comprises determining elements that are unique to the transaction documents.

5. The system of claim 1 further comprising providing a requestor with the created copy of the image of the one or more transaction documents requested.

6. The system of claim 1, wherein transaction documents comprise one or more of a check, deposit ticket, automated teller machine (ATM) receipt, or general ledger ticket.

7. The system of claim 1, wherein merging the retrieved stored text data and the stored image data from the one or more transaction documents together further comprises adding the text data from the transaction documents and the image data of the elements of the transaction document to a blank transaction document to reproduce the requested one or more transaction documents.

8. A computer program product for image recreation, the computer program product comprising at least one non-transitory computer-readable medium having computer-readable program code portions embodied therein, the computer-readable program code portions comprising:

an executable portion configured for receiving, from an automated teller machine (ATM), an indication of a user transaction between a user and a merchant for a product or service, wherein receiving the indication of the user transaction comprises receiving an image of the transaction documents associated with the user transaction;

an executable portion configured for determining data from the transaction documents associated with the user transaction, wherein the determined data is stored as text data, wherein the stored text data comprises a description the product or service of the user transaction;

an executable portion configured for determining elements from the transaction documents associated with the user transaction, wherein elements are captured images of the transaction documents, wherein the captured elements are stored as image data;

an executable portion configured for determining that the transaction documents contains a handwritten signature;

an executable portion configured for capturing an image of the handwritten signature;

an executable portion configured for storing a copy of the image of the handwritten signature;

an executable portion configured for receiving a request for a copy of an image of one or more of the transaction documents associated with the user transaction, wherein the copy of an image is a generated image representing the image of the transaction documents associated with the user transaction;

an executable portion configured for retrieving the stored text data and the stored image data from the one or more transaction documents based requested;

an executable portion configured for merging the retrieved stored text data and the copy of the image of the handwritten signature onto a template from the one or more transaction documents to create a copy of the image of the one or more transaction documents requested, wherein merging the copy of the handwritten signature is based on determining that the transaction documents contains a handwritten signature;

an executable portion configured for analyzing user transaction habits based on a compiling of the stored text data from the transaction documents associated with one or more user transactions;

an executable portion configured for determining, from the user transaction habits, one or more potential product recommendations for the user based on analyzing the user transaction habits; and

an executable portion configured for communicating, to the ATM, at least the one or more potential product recommendations for the user, and the copy of the image of the one or more transaction documents requested.

9. The computer program product of claim 8 further comprising an executable portion configured for capturing only the determined elements from the transaction documents using image capture, wherein the elements comprise one or more unique marking associated with the transaction documents.

10. The computer program product of claim 9, wherein one or more unique marking comprises hand written markings on the transaction document.

11. The computer program product of claim 8, wherein determining elements from the transaction documents associated with the user transaction wherein elements are captured images of the transaction documents, further comprises determining elements that are unique to the transaction documents.

12. The computer program product of claim 8 further comprising an executable portion configured for providing a requestor with the created copy of the image of the one or more transaction documents requested.

13. The computer program product of claim 8, wherein transaction documents comprise one or more of a check, deposit ticket, automated teller machine (ATM) receipt, or general ledger ticket.

14. The computer program product of claim 8, wherein merging the retrieved stored text data and the stored image data from the one or more transaction documents together further comprises adding the text data from the transaction documents and the image data of the elements of the transaction document to a blank transaction document to reproduce the requested one or more transaction documents.

15. A computer-implemented method for image recreation, the method comprising:

providing a computing system comprising a computer processing device and a non-transitory computer readable medium, where the computer readable medium comprises configured computer program instruction code, such that when said instruction code is operated by said computer processing device, said computer processing device performs the following operations;

receiving, from an automated teller machine (ATM) an indication of a user transaction between a user and a merchant for a product or service, wherein receiving the indication of the user transaction comprises receiving an image of the transaction documents associated with the user transaction;

determining data from the transaction documents associated with the user transaction, wherein the determined data is stored as text data, wherein the stored text data comprises a description the product or service of the user transaction;

determining elements from the transaction documents associated with the user transaction, wherein elements are captured images of the transaction documents, wherein the captured elements are stored as image data;

determining that the transaction documents contains a handwritten signature;

capturing an image of the handwritten signature;

storing a copy of the image of the handwritten signature;

receiving a request for a copy of an image of one or more of the transaction documents associated with the user transaction, wherein the copy of an image is a generated image representing the image of the transaction documents associated with the user transaction;

retrieving the stored text data and the stored image data from the one or more transaction documents based requested;

merging, via a computer processing device, the retrieved stored text data and the copy of the image of the handwritten signature onto a template from the one or more transaction documents to create a copy of the image of the one or more transaction documents requested, wherein merging the copy of the handwritten signature is based on determining that the transaction documents contains a handwritten signature;

analyzing user transaction habits based on a compiling of the stored text data from the transaction documents associated with one or more user transactions;

determining, from the user transaction habits, one or more potential product recommendations for the user based on analyzing the user transaction habits; and

communicating, to the ATM, at least the one or more potential product recommendations for the user, and the copy of the image of the one or more transaction documents requested.

16. The computer-implemented method of claim 15 further comprising capturing only the determined elements from the transaction documents using image capture, wherein the elements comprise one or more unique marking associated with the transaction documents.

17. The computer-implemented method of claim 16, wherein one or more unique marking comprises hand written markings on the transaction document.

18. The computer-implemented method of claim 15 further comprising providing a requestor with the created copy of the image of the one or more transaction documents requested.

19. The computer-implemented method of claim 15, wherein merging the retrieved stored text data and the stored image data from the one or more transaction documents together further comprises adding the text data from the transaction documents and the image data of the elements of the transaction document to a blank transaction document to reproduce the requested one or more transaction documents.