IMAGE PROCESSING SYSTEM

• US 20070031022A1
• Filed: 08/04/2005
• Published: 02/08/2007
• Est. Priority Date: 08/04/2005
• Status: Active Grant

• Current Assignee: Bank of America Corp.
• Original Assignee: Bank of America Corp.
• Inventors: Cantley, Kerry, Frew, David, Calman, Matthew, Felse, Mark
• Granted Patent: US 7,630,518 B2
• Time in Patent Office: Days
• US Class Current: 382/137
• CPC Class Codes: G06Q 10/10 Office automation; Time management
• CPC Class Codes: G06Q 20/0425 the cheque being electronic only
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: G06V 10/993 Evaluation of the quality of the acquired pattern

Abstract

An image processing system requires that both a data file and an image file are received before the item is sent to a posting system. When a data file including an image is received, the system determines if the image was properly and timely received. If the file was properly received, the file is interpreted to ascertain whether the image has been previously tested and passed image quality analysis or if it requires testing by the receiving institution. If testing is required the image is sent through image quality analysis (IQA) to determine if the image meets an acceptable quality standard. If the image passes IQA, it is passed to the institution'"'"'s posting process. If the image does not pass IQA and the failure is not overridden, the item is returned to the presenting institution. The system prevents the posting of the transaction and corresponding image until a quality image is received and approved.

Claims

1. receiving a file;

performing an image quality analysis on an image associated with said file; and

passing the file and image for further processing only if the image passes the image quality analysis.

2. The method of claim 1 wherein said file contains data.

3. The method of claim 2 wherein said data is received separate from the image and is associated with the image after both the data and image are received.

4. The method of claim 1 logging the file into a received file log.

5. The method of claim 1 wherein the step of receiving includes the step of receiving a data file said data file logged into a received file log and receiving an image after said data file, and associating said image with said data file.

6. The method of claim 1 receiving the file from a sending institution and determining if the received file has been received in accordance with an agreement with the sending institution.

7. The method of claim 1 identifying the file for either next day processing or same day processing.

8. The method of claim 1 wherein said image quality analysis includes performing an automated image quality analysis.

9. The method of claim 1 wherein said image quality analysis includes performing a manual image quality analysis.

10. The method of claim 9 wherein the manual image quality analysis is performed after the image fails an automatic image quality analysis.

11. The method of claim 1 wherein the step of processing includes the step of posting the image to an account.

12. The method of claim 11 further including determining if there is sufficient time to post the image to the account and posting the image only if there is sufficient time.

13. The method of claim 11 further including determining if there is sufficient time to complete the posting of the image to the account and holding the posting until the next day if there is not sufficient time to complete the posting.

14. The method of claim 13 booking the work-in-process general ledger entries of the transaction.

15. An image document processing apparatus comprising:

means for receiving a file;

means for interpreting a test result from a previous image quality analysis contained within the file;

means for performing an image quality analysis on an image associated with said file and for generating a pass or fail result; and

means for processing the file and image only if the pass result is generated.

16. An image document processing method comprising:

receiving a file, said file including an image of a check;

performing an image quality analysis on the image of the check associated with said file; and

passing the file and image of the check for posting to an account only if the image passes the image quality analysis.