Check data lift for online accounts
First Claim
Patent Images
1. A system for extracting check data from images of paper checks for online accounts, the system comprising:
- a computer apparatus including a processor and a memory;
an image capture device; and
a software module stored in the memory, comprising executable instructions that when executed by the processor cause the processor to;
receive a paper check associated with a customer, and capture a check image of the paper check using the image capture device;
apply an optical character recognition process to at least a portion of the check image;
convert at least a portion of image based data from the check image to text based data, wherein converting the image based data to the text based data comprises encoding the image based data into text based files that are configured to be edited and searched;
identify check data in the text based data comprising at least one of a payee name, a payor name, a date, a payment amount, a check number, and an endorsement;
identify online data associated with the customer, from the check data and from inputted information based on customer requests, customer online activity, transaction criteria and account criteria, wherein identifying the online data further comprises;
identifying the image based data not converted to text based data, the image based data comprising at least one of a time stamp, a logo or a symbol related to an entity associated with authorizing a transaction with the paper check;
tracking customer online activity associated with an online banking account associated with the entity identified from the image based data, including tracking a number of times each of a plurality of online account pages is visited during an online banking session and an amount of time spent on each of the plurality of online account pages during the online banking session;
determining that one of the online account pages is potentially more interesting to the customer based on the customer visiting the online account page more than others and spending more time on the online account page than others during the online banking session; and
determining customer preferences based on the customer online activity and the online account page that is potentially more interesting to the customer;
format the online data based on online account criteria, wherein the formatted online data comprises stable metadata;
initiate automated processing of the transaction associated with the paper check, based on at least the stable metadata;
incorporate at least a portion of the online data into a portion of an online account of the customer, wherein at least the portion of the online data is determined based on at least the check data and the online data; and
provide the online account portion to the customer on a customer computing device, wherein providing the online account portion to the customer further comprises;
initiating presentation of a graphical user interface associated with an online banking account of the customer; and
inserting the online account portion in the graphical user interface, proximate to a display of one or more transactions associated with the online banking account.
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Abstract
Embodiments for extracting data for online account includes systems that receive at least one check images, apply one or more optical character recognition processes to at least a portion of the at least one check image, and convert image based data to text based data. The embodiments further identify check data in the text based data, identify online data from the check data, incorporate at least a portion of the online data into a portion of an online account, and provide the online account portion to a customer.
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Citations
20 Claims
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1. A system for extracting check data from images of paper checks for online accounts, the system comprising:
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a computer apparatus including a processor and a memory; an image capture device; and a software module stored in the memory, comprising executable instructions that when executed by the processor cause the processor to; receive a paper check associated with a customer, and capture a check image of the paper check using the image capture device; apply an optical character recognition process to at least a portion of the check image; convert at least a portion of image based data from the check image to text based data, wherein converting the image based data to the text based data comprises encoding the image based data into text based files that are configured to be edited and searched; identify check data in the text based data comprising at least one of a payee name, a payor name, a date, a payment amount, a check number, and an endorsement; identify online data associated with the customer, from the check data and from inputted information based on customer requests, customer online activity, transaction criteria and account criteria, wherein identifying the online data further comprises; identifying the image based data not converted to text based data, the image based data comprising at least one of a time stamp, a logo or a symbol related to an entity associated with authorizing a transaction with the paper check; tracking customer online activity associated with an online banking account associated with the entity identified from the image based data, including tracking a number of times each of a plurality of online account pages is visited during an online banking session and an amount of time spent on each of the plurality of online account pages during the online banking session; determining that one of the online account pages is potentially more interesting to the customer based on the customer visiting the online account page more than others and spending more time on the online account page than others during the online banking session; and determining customer preferences based on the customer online activity and the online account page that is potentially more interesting to the customer; format the online data based on online account criteria, wherein the formatted online data comprises stable metadata; initiate automated processing of the transaction associated with the paper check, based on at least the stable metadata; incorporate at least a portion of the online data into a portion of an online account of the customer, wherein at least the portion of the online data is determined based on at least the check data and the online data; and provide the online account portion to the customer on a customer computing device, wherein providing the online account portion to the customer further comprises; initiating presentation of a graphical user interface associated with an online banking account of the customer; and inserting the online account portion in the graphical user interface, proximate to a display of one or more transactions associated with the online banking account. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10)
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11. A computer program product for extracting check data from images of paper checks for online accounts, the computer program product comprising:
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a non-transitory computer readable storage medium having computer readable program code embodied therewith, the computer readable program code comprising; computer readable program code configured to capture a check image of a paper check associated with a customer, using an image capture device; computer readable program code configured to apply an optical character recognition process to at least a portion of the check image; computer readable program code configured to convert at least a portion of image based data from the check image to text based data, wherein converting the image based data to the text based data comprises encoding the image based data into text based files that are configured to be edited and searched; computer readable program code configured to identify check data in the text based data comprising at least one of a payee name, a payor name, a date, a payment amount, a check number, and an endorsement; computer readable program code configured to identify online data associated with the customer, from the check data and from inputted information based on customer requests, customer online activity, transaction criteria and account criteria wherein identifying the online data further comprises; identifying the image based data not converted to text based data, the image based data comprising at least one of a time stamp, a logo or a symbol related to an entity associated with authorizing a transaction with the paper check; tracking customer online activity associated with an online banking account associated with the entity identified from the image based data, including tracking a number of times each of a plurality of online account pages is visited during an online banking session and an amount of time spent on each of the plurality of online account pages during the online banking session; determining that one of the online account pages is potentially more interesting to the customer based on the customer visiting the online account page more than others and spending more time on the online account page than others during the online banking session; and determining customer preferences based on the customer online activity and the online account page that is potentially more interesting to the customer; computer readable program code configured to format the online data based on online account criteria, wherein the formatted online data comprises stable metadata; computer readable program code configured to initiate automated processing of the transaction associated with the paper check, based on at least the stable metadata; computer readable program code configured to incorporate at least a portion of the online data into a portion of an online account of the customer, wherein at least the portion of the online data is determined based on at least the check data and the online data; and computer readable program code configured to provide the online account portion to the customer on a customer computing device, wherein providing the online account portion to the customer further comprises; initiating presentation of a graphical user interface associated with an online banking account of the customer; and inserting the online account portion in the graphical user interface, proximate to a display of one or more transactions associated with the online banking account. - View Dependent Claims (12, 13, 14, 15, 16)
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17. A computer-implemented method for extracting check data from images of paper checks for online accounts, the method comprising:
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receiving a paper check associated with a customer, and capturing a check image of the paper check using an image capture device; applying, by a processor, an optical character recognition process to at least a portion of the check image; converting, by a processor, at least a portion of image based data from the check image to text based data, wherein converting the image based data to the text based data comprises encoding the image based data into text based files that are configured to be edited and searched; identifying, by a processor, check data in the text based data comprising at least one of a payee name, a payor name, a date, a payment amount, a check number, and an endorsement; identifying, by a processor, online data associated with the customer, from the check data and from inputted information based on customer requests, customer online activity, transaction criteria and account criteria, wherein identifying the online data further comprises; identifying the image based data not converted to text based data, the image based data comprising at least one of a time stamp, a logo or a symbol related to an entity associated with authorizing a transaction with the paper check; tracking customer online activity associated with an online banking account associated with the entity identified from the image based data, including tracking a number of times each of a plurality of online account pages is visited during an online banking session and an amount of time spent on each of the plurality of online account pages during the online banking session; determining that one of the online account pages is potentially more interesting to the customer based on the customer visiting the online account page more than others and spending more time on the online account page than others during the online banking session; and determining customer preferences based on the customer online activity and the online account page that is potentially more interesting to the customer; formatting, by a processor, the online data based on online account criteria, wherein the formatted online data comprises stable metadata; initiating, by a processor, automated processing of the transaction associated with the paper check, based on at least the stable metadata; incorporating, by a processor, at least a portion of the online data into a portion of an online account of the customer, wherein at least the portion of the online data is determined based on at least the check data and the online data; and providing, by a processor, the online account portion to the customer on a customer computing device, wherein providing the online account portion to the customer further comprises; initiating presentation of a graphical user interface associated with an online banking account of the customer; and inserting the online account portion in the graphical user interface, proximate to a display of one or more transactions associated with the online banking account. - View Dependent Claims (18, 19, 20)
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Specification