Programmable overlay for negotiable instrument electronic image processing

• US 9,824,288 B1
• Filed: 05/04/2016
• Issued: 11/21/2017
• Est. Priority Date: 05/04/2016
• Status: Active Grant

• Current Assignee: Bank of America Corp.
• Original Assignee: Bank of America Corp.
• Inventors: Hall, John B., Copes, Deborah A., Axtell, Bethany M., Danielson, Milton A., Gentile, Melody L., Simpkins, Kerry Kurt
• Primary Examiner(s): Harandi, Siamak
• Application Number:
  US15/146,626
• Publication Number:
  US 20170323173A1
• Time in Patent Office: 566 Days
• CPC Class Codes: G06V 10/23 based on positionally close patterns or neighbourhood relationships
• CPC Class Codes: G06V 10/987 with the intervention of an operator
• CPC Class Codes: G06V 30/416 Extracting the logical structure, e.g. chapters, sections or page numbers; Identifying elements of the document, e.g. authors

Abstract

Embodiments of the invention include systems, methods, and computer-program products for generating an overlay of a highlight or mask of a negotiable instrument on a representative'"'"'s display for keying the instrument. The system overlays and changes the display of a representative'"'"'s computer screen in real-time for improved keying instruments by generating highlighting or masking of specified portions of the instrument. The invention generates a grid including an X and Y axis on the instrument and identifies the parameter coordinates for the various indicia on the instrument. The invention may contain code for highlighting or masking various indicia on the instrument using the parameter coordinates for mapping. A programmed overlay may be performed on an image of the instrument in real-time as it is queued onto a representative'"'"'s display. Upon completion of the representative'"'"'s keying of the instrument, the overlay is removed for storage of the image of the instrument.

Claims

1. A system for a programmable overlay for negotiable instrument image processing, said system comprising:

at least one electronic computing device;

at least one electronic storage device; and

computer program instruction code stored in said electronic storage device, wherein said computer program instruction code is structured to cause said at least one electronic computing device to;

receive an image of a negotiable instrument and position the image of the negotiable instrument in queue for representative keying;

generate a grid of the negotiable instrument;

identify axis coordinates for one or more parameter points of indicia on the image of the negotiable instrument;

identify focus indicia for a representative of the image of the negotiable instrument;

present on a display, in real-time upon being queued, an overlay of the image of the negotiable instrument, wherein the overlay comprises a highlight to or mask of the focus indicia and is positioned as an overlay over the image of the negotiable instrument based on the axis coordinates for the one or more parameter points of the focus indicia;

allow representative keying of the image of the negotiable instrument with the overlay highlight or mask over the focus indicia; and

remove the overlay upon completion of keying and store the image of the negotiable instrument and axis coordinates for the one or more parameter points of the indicia without the overlay.

2. The system of claim 1, further comprising coding, based on identification of a type of negotiable instrument the image of a negotiable instrument is, the overlay as being the highlight or the mask of the focus indicia.

3. The system of claim 1, wherein the mask of the focus indicia comprises a burr or block completely covering the focus indicia, such that the focus indicia is not visible by the representative on the display.

4. The system of claim 1, wherein the highlight of the focus indicia comprises a highlight box visually attracting the focus indicia to the representative on the display.

5. The system of claim 1, wherein the axis coordinates are an X and Y axis point based on the generated grid of the negotiable instrument that identify one or more outside parameter points for each of the indicia located on a front and a back of the negotiable instrument.

6. The system of claim 1 further comprising identifying the indicia on the image of the negotiable instrument as areas on the negotiable instrument comprising non-public information, signatures, account numbers, routing numbers, and legal tender lines.

7. The system of claim 1, wherein receiving an image of the negotiable instrument further comprises generating an image of a paper version of the negotiable instrument in a format for optical character recognition.

8. The system of claim 1, wherein the mask is applied over focus indicia that includes non-public information, wherein the mask is applied over the axis coordinates for one or more parameter points of focus indicia that includes non-public information completely covering the non-public information.

9. The system of claim 1, wherein the highlight is applied over focus indicia that includes a legal tender line, wherein the highlight is applied over the axis coordinates for one or more parameter points of focus indicia that includes the legal tender line highlighting the legal tender line for representative keying.

10. A computer program product for a programmable overlay for negotiable instrument image processing, 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 an image of a negotiable instrument and position the image of the negotiable instrument in queue for representative keying;

an executable portion configured for generating a grid of the negotiable instrument;

an executable portion configured for identifying axis coordinates for one or more parameter points of indicia on the image of the negotiable instrument;

an executable portion configured for identifying focus indicia for a representative of the image of the negotiable instrument;

an executable portion configured for presenting on a display, in real-time upon being queued, an overlay of the image of the negotiable instrument, wherein the overlay comprises a highlight to or mask of the focus indicia and is positioned as an overlay over the image of the negotiable instrument based on the axis coordinates for the one or more parameter points of the focus indicia;

an executable portion configured for allowing representative keying of the image of the negotiable instrument with the overlay highlight or mask over the focus indicia; and

an executable portion configured for removing the overlay upon completion of keying and store the image of the negotiable instrument and axis coordinates for the one or more parameter points of the indicia without the overlay.

11. The computer program product of claim 10, further comprising an executable portion configured for coding, based on identification of a type of negotiable instrument the image of a negotiable instrument is, the overlay as being the highlight or the mask of the focus indicia.

12. The computer program product of claim 10, wherein the axis coordinates are an X and Y axis point based on the generated grid of the negotiable instrument that identify one or more outside parameter points for each of the indicia located on a front and a back of the negotiable instrument.

13. The computer program product of claim 10, wherein receiving an image of the negotiable instrument further comprises generating an image of a paper version of the negotiable instrument in a format for optical character recognition.

14. The computer program product of claim 10, wherein the mask is applied over focus indicia that includes non-public information, wherein the mask is applied over the axis coordinates for one or more parameter points of focus indicia that includes non-public information completely covering the non-public information.

15. The computer program product of claim 10, wherein the highlight is applied over focus indicia that includes a legal tender line, wherein the highlight is applied over the axis coordinates for one or more parameter points of focus indicia that includes the legal tender line highlighting the legal tender line for representative keying.

16. A computer-implemented method for a programmable overlay for negotiable instrument image processing, 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 an image of a negotiable instrument and position the image of the negotiable instrument in queue for representative keying;

generating a grid of the negotiable instrument;

identifying axis coordinates for one or more parameter points of indicia on the image of the negotiable instrument;

identifying focus indicia for a representative of the image of the negotiable instrument;

presenting on a display, in real-time upon being queued, an overlay of the image of the negotiable instrument, wherein the overlay comprises a highlight to or mask of the focus indicia and is positioned as an overlay over the image of the negotiable instrument based on the axis coordinates for the one or more parameter points of the focus indicia;

allowing representative keying of the image of the negotiable instrument with the overlay highlight or mask over the focus indicia; and

removing the overlay upon completion of keying and store the image of the negotiable instrument and axis coordinates for the one or more parameter points of the indicia without the overlay.

17. The computer-implemented method of claim 16, further comprising coding, based on identification of a type of negotiable instrument the image of a negotiable instrument is, the overlay as being the highlight or the mask of the focus indicia.

18. The computer-implemented method of claim 16, wherein the axis coordinates are an X and Y axis point based on the generated grid of the negotiable instrument that identify one or more outside parameter points for each of the indicia located on a front and a back of the negotiable instrument.

19. The computer-implemented method of claim 16, wherein the mask is applied over focus indicia that includes non-public information, wherein the mask is applied over the axis coordinates for one or more parameter points of focus indicia that includes non-public information completely covering the non-public information.

20. The computer-implemented method of claim 16, wherein the highlight is applied over focus indicia that includes a legal tender line, wherein the highlight is applied over the axis coordinates for one or more parameter points of focus indicia that includes the legal tender line highlighting the legal tender line for representative keying.