Enhanced Note Processing

• US 20090148025A1
• Filed: 12/05/2007
• Published: 06/11/2009
• Est. Priority Date: 12/05/2007
• Status: Active Grant

• Current Assignee: Bank of America Corp.
• Original Assignee: Bank of America Corp.
• Inventors: Calman, Matthew Alexander
• Granted Patent: US 8,184,893 B2
• Time in Patent Office: Days
• US Class Current: 382/135
• CPC Class Codes: G06Q 20/042 characterized in that the payment protocol involves at least one cheque
• CPC Class Codes: G06V 30/224 of printed characters having additional code marks or containing code marks
• CPC Class Codes: G07D 11/30 Tracking or tracing valuable papers or cassettes
• CPC Class Codes: G07D 7/12 Visible light, infrared or ultraviolet radiation

Abstract

Techniques and systems are disclosed to perform, in some examples, the steps of receiving a note or an image of a note, imaging at least a portion of the note, determining a value of at least one field indicated by a predetermined identifier of the note through character and mark recognition, and storing information regarding the note in a memory. The information regarding the note that may be stored in a memory may be forwarded to a regulatory agency or an external entity for reporting or record-keeping.

Claims

1. A computer-assisted method comprising:

receiving a note;

imaging at least a portion of the note;

determining a value of at least one field indicated by a predetermined identifier of the note through character and mark recognition;

storing information regarding the note in a memory; and

comparing the value of the at least one field to values of corresponding fields of other notes.

2. The method of claim 1, wherein the values of corresponding fields of other notes comprise a range of known values.

3. The method of claim 1, further comprising determining that the note is currency and wherein the at least one field indicated by a predetermined identifier of the note is a serial number.

4. The method of claim 3, wherein imaging at least a portion of the note comprises imaging serial number fields of the note.

5. The method of claim 3, further comprising testing the note for fitness.

6. The method of claim 3, further comprising testing the note for counterfeit detection.

7. The method of claim 3, further comprising testing the note for fitness and counterfeit detection.

8. The method of claim 3, further comprising reporting the information regarding the note to an external entity.

9. The method of claim 1, further comprising determining that the note is not currency, wherein imaging at least a portion of the note comprises imaging the entire note.

10. The method of claim 9, wherein determining a value of at least one field indicated by a predetermined identifier of the note through character and mark recognition comprises analyzing the note image for predetermined identifiers.

11. A tangible computer-readable medium storing computer-executable instructions that, when executed:

receive image data for at least a portion of a note;

process the image data;

determine a value of at least one field indicated by a predetermined identifier of the note through character and mark recognition;

store information regarding the note in a memory; and

compare the value of the at least one field to values of corresponding fields of other notes.

12. The computer-readable medium of claim 11, wherein the values of corresponding fields of other notes comprises a range of known values.

13. The computer-readable medium of claim 11, wherein the computer-readable instructions, when executed, determine that the note is currency and wherein the at least one field indicated by a predetermined identifier of the note is a serial number and the image data comprises serial number fields of the note.

14. The computer-readable medium of claim 13, wherein the computer-readable instructions, when executed, determine whether the note is counterfeit.

15. The computer-readable medium of claim 13, wherein the computer-readable instructions, when executed, report the information regarding the note to an external entity.

16. The computer-readable medium of claim 11, wherein the computer-readable instructions, when executed:

determine that the note is not currency, and wherein the image data comprises an image of the entire note; and

analyze the image data of the entire note for predetermined identifiers.

17. A system for processing a note comprising:

a memory;

a note processing device, comprising;

a note processing device memory storing computer-executable instructions; and

a processor for executing the computer-executable instructions configured to;

image at least a portion of the note;

determine a value of at least one field indicated by a predetermined identifier of the note through character and mark recognition; and

store information regarding the note in the system memory,

wherein the note is passed to the note processing device.

18. The system of claim 17, wherein the computer-readable instructions, when executed, determine that the note is currency and wherein the at least one field indicated by a predetermined identifier of the note is a serial number and the image data comprises serial number fields of the note.

19. The system of claim 17, wherein the computer-readable instructions, when executed, test the note for counterfeit detection.

20. The system of claim 17, wherein the computer-readable instructions, when executed, report the information regarding the note to an external entity.