Apparatuses, methods, and systems for remote deposit capture with enhanced image detection

• US 10,621,660 B1
• Filed: 09/05/2017
• Issued: 04/14/2020
• Est. Priority Date: 06/08/2010
• Status: Active Grant

• Current Assignee: United Services Automobile Association
• Original Assignee: United Services Automobile Association
• Inventors: Medina, Reynaldo, Prasad, Bharat
• Primary Examiner(s): Wong, Eric T
• Application Number:
  US15/695,770
• Time in Patent Office: 952 Days
• CPC Class Codes: G06Q 20/042 characterized in that the payment protocol involves at least one cheque
• CPC Class Codes: G06Q 20/0425 the cheque being electronic only
• CPC Class Codes: G06Q 20/1085 involving automatic teller machines [ATMs]
• 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 20/386 using messaging services or messaging apps using mobile network messaging services for payment, e.g. SMS G06Q20/3255
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03
• CPC Class Codes: G06T 2207/20132 Image cropping
• CPC Class Codes: G06T 5/40 using histogram techniques
• CPC Class Codes: G06T 7/11 Region-based segmentation
• CPC Class Codes: G06T 7/12 Edge-based segmentation
• CPC Class Codes: G06V 10/10 Image acquisition document image scanning and transmission H04N1/00; control of digital cameras H04N23/60
• CPC Class Codes: G06V 10/20 Image preprocessing
• CPC Class Codes: G06V 10/44 Local feature extraction by analysis of parts of the pattern, e.g. by detecting edges, contours, loops, corners, strokes or intersections; Connectivity analysis, e.g. of connected components
• CPC Class Codes: G06V 10/443 by matching or filtering
• CPC Class Codes: G06V 10/50 by performing operations within image blocks; by using histograms, e.g. histogram of oriented gradients [HoG]; by summing image-intensity values; Projection analysis
• CPC Class Codes: G06V 20/63 Scene text, e.g. street names
• CPC Class Codes: G06V 30/16 Image preprocessing
• CPC Class Codes: G06V 30/18019 by matching or filtering
• CPC Class Codes: G06V 30/414 Extracting the geometrical structure, e.g. layout tree; Block segmentation, e.g. bounding boxes for graphics or text
• 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
• CPC Class Codes: H04N 1/40012 : Conversion of colour to monochrome
• CPC Class Codes: H04N 23/00 : Cameras or camera modules comprising electronic image sensors; Control thereof

Abstract

The APPARATUSES, METHODS AND SYSTEMS FOR REMOTE DEPOSIT CAPTURE WITH ENHANCED IMAGE DETECTION (hereinafter “RDC-Detection”) provides a platform for remote deposit by submitting captured images of a check via a user device, wherein the RDC-Detection transforms captured check images and/or entered check deposit information inputs via RDC-Detection components into deposit confirmation outputs. For example, in one embodiment, a financial institution may receive a check image captured by a scanner, a camera, and/or the like, and process the check image to extract deposit information to process the deposit request.

Claims

1. A system comprising:

a memory;

an image capture device; and

a processor in communication with the memory and the image capture device, the processor configured to;

capture an image of a financial instrument associated with a depositor using the image capture device;

extract a financial instrument image from the captured image by determining at least one corner of a plurality of corners of the financial instrument in the captured image, wherein in determining the at least one corner of the plurality of corners of the financial instrument in the captured image, the processor is further configured to;

perform an outer edge sampling that moves from an outside of the captured image to an inside of the captured image;

perform an inner edge sampling that moves from the inside of the captured image to the outside of the captured image; and

determine the at least one corner of the plurality of corners based upon a plurality of edge sample points obtained from the outer edge sampling and the inner edge sampling; and

transmit the financial instrument image to a remote financial institution server to deposit funds into an account associated with the depositor.

2. The system of claim 1, wherein in determining the at least one corner of the plurality of corners based upon the plurality of edge sample points, the processor is further configured to:

obtain filtered edge sample points by selecting, from the plurality of edge sample points, matching edge sample points for which the outer edge sampling matches the inner edge sampling.

3. The system of claim 2, wherein in obtaining the filtered edge sample points by selecting, from the plurality of edge sample points, matching edge sample points for which the outer edge sampling matches the inner edge sampling, the processor is further configured to:

determine that the outer edge sampling and the inner edge sampling match when the plurality of edge sample points satisfy a minimal distance constraint.

4. The system of claim 1, wherein in determining the at least one corner of the plurality of corners based upon the plurality of edge sample points, the processor is further configured to:

perform line projections on the plurality of edge sample points to obtain a plurality of lines.

5. The system of claim 4, wherein in performing the line projections on the plurality of edge sample points, the processor is further configured to:

apply least squares on the plurality of edge sample points to project a line of the plurality of lines.

6. The system of claim 4, wherein in determining the at least one corner of the plurality of corners based upon the plurality of edge sample points, the processor is further configured to:

determine an angle between a current line of the plurality of lines and a previously determined line of the plurality of lines and select a first detected line based upon the angle.

7. The system of claim 1, wherein in determining the at least one corner of the plurality of corners based upon the plurality of edge sample points, the processor is further configured to:

locate a first corner by calculating an intersection of a first detected line with a second detected line.

8. The system of claim 7, wherein in determining the at least one corner of the plurality of corners based upon the plurality of edge sample points, the processor is further configured to:

determine whether the located first corner is a good corner or a bad corner based upon an inner angle of the located first corner and an inner angle of a located second corner.

9. The system of claim 8, wherein in determining the at least one corner of the plurality of corners based upon the plurality of edge sample points, the processor is further configured to:

when the located first corner is determined to be a bad corner, re-calculate the located first corner.

10. The system of claim 8, wherein in determining the at least one corner of the plurality of corners based upon the plurality of edge sample points, the processor is further configured to:

when the located first corner is determined to be a good corner, determine the located first corner to be the at least one corner of the plurality of corners.

11. A method comprising:

capturing, by a processor, an image of a financial instrument associated with a depositor using an image capture device;

extracting, by the processor, a financial instrument image from the captured image by determining at least one corner of a plurality of corners of the financial instrument in the captured image, wherein determining the at least one corner of the plurality of corners of the financial instrument in the captured image comprises;

performing an outer edge sampling that moves from an outside of the captured image to an inside of the captured image;

perform an inner edge sampling that moves from the inside of the captured image to the outside of the captured image; and

determining the at least one corner of the plurality of corners based upon a plurality of edge sample points obtained from the outer edge sampling and the inner edge sampling; and

transmitting, by the processor, the financial instrument image to a remote financial institution server to deposit funds into an account associated with the depositor.

12. The method of claim 11, wherein the determining of the at least one corner of the plurality of corners based upon the plurality of edge sample points further comprises:

obtaining filtered edge sample points by selecting, from the plurality of edge sample points, matching edge sample points for which the outer edge sampling matches the inner edge sampling.

13. The method of claim 12, wherein the obtaining of the filtered edge sample points by selecting, from the plurality of edge sample points, matching edge sample points for which the outer edge sampling matches the inner edge sampling, further comprises:

determining that the outer edge sampling and the inner edge sampling match when the plurality of edge sample points satisfy a minimal distance constraint.

14. The method of claim 11, wherein the determining of the at least one corner of the plurality of corners based upon the plurality of edge sample points further comprises:

performing line projections on the plurality of edge sample points to obtain a plurality of lines.

15. The method of claim 14, wherein the performing of the line projections on the plurality of edge sample points further comprises:

applying least squares on the plurality of edge sample points to project a line of the plurality of lines.

16. The method of claim 14, wherein the determining of the at least one corner of the plurality of corners based upon the plurality of edge sample points further comprises:

determining an angle between a current line of the plurality of lines and a previously determined line of the plurality of lines and selecting a first detected line based upon the angle.

17. The method of claim 11, wherein the determining of the at least one corner of the plurality of corners based upon the plurality of edge sample points further comprises:

locating a first corner by calculating an intersection of a first detected line with a second detected line.

18. The method of claim 17, wherein the determining of the at least one corner of the plurality of corners based upon the plurality of edge sample points further comprises:

determining whether the located first corner is a good corner or a bad corner based upon an inner angle of the located first corner and an inner angle of a located second corner.

19. The method of claim 18, wherein the determining of the at least one corner of the plurality of corners based upon the plurality of edge sample points further comprises:

when the located first corner is determined to be a bad corner, re-calculating the located first corner.

20. The method of claim 18, wherein the determining of the at least one corner of the plurality of corners based upon the plurality of edge sample points further comprises:

when the located first corner is determined to be a good corner, determining the located first corner to be the at least one corner of the plurality of corners.