09 - Scientific and electric apparatus and instruments
42 - Scientific, technological and industrial services, research and design
Goods & Services
Computer software for document imaging, intelligent
character and image recognition, and for document image,
character and format analysis; downloadable software for
document imaging, intelligent character and image
recognition, and for document image, character and format
analysis. Providing temporary use of on-line non-downloadable software
for identity verification; software as a service (SaaS)
services, namely, hosting software for use by others for
identity verification; providing temporary use of on-line
non-downloadable software for identity verification to
re-authenticate verified users through use of biometrics, to
log back into a software application, services and buildings
without the need for passwords.
2.
SYSTEMS AND METHODS FOR ENROLLMENT AND IDENTITY MANAGEMENT USING MOBILE IMAGING
Systems and methods for automatic enrollment and identity verification based upon processing a captured image of a document are disclosed herein. Various embodiments enable, for example, a user to enroll in a particular service by taking a photograph of a particular document (e.g., his driver license) with a mobile device. One or more algorithms can then extract relevant data from the captured image. The extracted data (e.g., the person's name, gender, date of birth, height, weight, etc.) can then be used to automatically populate various fields of an enrollment application, thereby reducing the amount of information that the user has to manually input into his mobile device in order to complete the enrollment process. In some embodiments, a set of internal and/or external checks can be run against the data to ensure that the data is valid, has been read correctly, and is consistent with other data.
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
Systems and methods for user identification (ID) document verification are provided. An exemplary method includes receiving an image of an ID document. A determination is made whether the ID document includes a near-field communications (NFC) chip that stores an ID photo associated with the ID document. Based on this determination, the ID document is verified by selectively using at least one of NFC chip authentication and optical authentication, to obtain a first verification result. Also, a photo of the user is captured by a camera associated with the client device. The method further includes receiving the photo of the user by a service provider; comparing the photo stored on the ID document with the photo of the user; based on the comparison, providing a second verification result for the ID document; and transmitting both the first and second verification results to the client device.
G06K 7/10 - Methods or arrangements for sensing record carriers by electromagnetic radiation, e.g. optical sensingMethods or arrangements for sensing record carriers by corpuscular radiation
G06Q 50/00 - Information and communication technology [ICT] specially adapted for implementation of business processes of specific business sectors, e.g. utilities or tourism
G06V 40/00 - Recognition of biometric, human-related or animal-related patterns in image or video data
4.
Antenna Alignment Feedback Using Near Field Communication Devices
Systems and methods for aligning a near field communications (NFC) device and a document having an NFC antenna are disclosed. An exemplary method comprises the steps of accessing a model identifier from the device; associating the model identifier with a device configuration stored in a source; associating the document type of the document with a document configuration stored in the source; generating alignment feedback based on image processing of video of the document produced by the camera of the device; detecting for a data connection between the mobile device and the document; and generating a connection indication when the data connection is detected.
G06K 7/10 - Methods or arrangements for sensing record carriers by electromagnetic radiation, e.g. optical sensingMethods or arrangements for sensing record carriers by corpuscular radiation
G06Q 50/00 - Information and communication technology [ICT] specially adapted for implementation of business processes of specific business sectors, e.g. utilities or tourism
5.
SYSTEMS AND METHODS FOR UPDATING AN IMAGE REGISTRY FOR USE IN FRAUD DETECTION RELATED TO FINANCIAL DOCUMENTS
A system comprising: a check Image Record (CIR) database configured to store, for each of a plurality of accounts, a CIR, wherein each CIR comprises feature information related to features extracted from a plurality of reference checks associated with the associated account of the plurality of accounts; memory configured to store instructions; and a processor coupled with the CIR database and the memory, the processor configured to run the instructions, which cause the processor to: receive an image of a test check associated with an account of the plurality of accounts, extract feature information from the image, compare the features with the feature information stored in the CIR database for the account associated with the test check, generate a fraud score, and update each CIR by determining.
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
09 - Scientific and electric apparatus and instruments
42 - Scientific, technological and industrial services, research and design
Goods & Services
Computer software for document imaging, intelligent
character and image recognition, and for document image,
character and format analysis; downloadable software for
document imaging, intelligent character and image
recognition, and for document image, character and format
analysis. Providing temporary use of on-line non-downloadable software
for identity verification; software as a service (SaaS)
services, namely, hosting software for use by others for
identity verification; providing temporary use of on-line
non-downloadable software for identity verification to
re-authenticate verified users through use of biometrics to
log back into a software application, services and
buildings, without the need for passwords.
09 - Scientific and electric apparatus and instruments
Goods & Services
Computer software for document imaging, intelligent
character and image recognition, and for document image,
character and format analysis for use in detection of fraud;
downloadable software for document imaging, intelligent
character and image recognition, and for document image,
character and format analysis for use in detection of fraud.
09 - Scientific and electric apparatus and instruments
42 - Scientific, technological and industrial services, research and design
Goods & Services
(1) Computer software for document imaging, intelligent character and image recognition, and for document image, character and format analysis; downloadable software for document imaging, intelligent character and image recognition, and for document image, character and format analysis. (1) Providing temporary use of on-line non-downloadable software for identity verification; software as a service (SaaS) services, namely, hosting software for use by others for identity verification; providing temporary use of on-line non-downloadable software for identity verification to re-authenticate verified users through use of biometrics to log back into a software application, services and buildings, without the need for passwords.
09 - Scientific and electric apparatus and instruments
42 - Scientific, technological and industrial services, research and design
Goods & Services
(1) Computer software for document imaging, intelligent character and image recognition, and for document image, character and format analysis; downloadable software for document imaging, intelligent character and image recognition, and for document image, character and format analysis. (1) Providing temporary use of on-line non-downloadable software for identity verification; software as a service (SaaS) services, namely, hosting software for use by others for identity verification; providing temporary use of on-line non-downloadable software for identity verification to re-authenticate verified users through use of biometrics, to log back into a software application, services and buildings without the need for passwords.
09 - Scientific and electric apparatus and instruments
Goods & Services
(1) Computer software for document imaging, intelligent character and image recognition, and for document image, character and format analysis for use in detection of fraud; downloadable software for document imaging, intelligent character and image recognition, and for document image, character and format analysis for use in detection of fraud.
09 - Scientific and electric apparatus and instruments
42 - Scientific, technological and industrial services, research and design
Goods & Services
Downloadable computer software for document imaging, intelligent character and image recognition, and for document image, character and format analysis; downloadable software for document imaging, intelligent character and image recognition, and for document image, character and format analysis Providing temporary use of on-line non-downloadable software for identity verification; software as a service (SaaS) services, namely, hosting software for use by others for identity verification; providing temporary use of on-line non-downloadable, software for identity verification to re-authenticate verified users through use of biometrics to log back into a software application, user authentication services and buildings, without the need for passwords; Providing on-line non-downloadable computer software for document imaging, intelligent character and image recognition, and for document image, character and format analysis
09 - Scientific and electric apparatus and instruments
42 - Scientific, technological and industrial services, research and design
Goods & Services
Downloadable computer software for document imaging, intelligent character and image recognition, and for document image, character and format analysis; downloadable software for document imaging, intelligent character and image recognition, and for document image, character and format analysis Providing temporary use of on-line non-downloadable software for identity verification; software as a service (SaaS) services, namely, hosting software for use by others for identity verification; providing temporary use of on-line non-downloadable, software for identity verification to re-authenticate verified users through use of biometrics to log back into a software application, services and buildings, without the need for passwords; Providing on-line non-downloadable computer software for document imaging, intelligent character and image recognition, and for document image, character and format analysis
42 - Scientific, technological and industrial services, research and design
Goods & Services
Software as a service (SAAS) featuring computer software for document imaging, intelligent character and image recognition, and for document image, character and format analysis for use in detection of fraud
14.
MOBILE IMAGE QUALITY ASSURANCE IN MOBILE DOCUMENT IMAGE PROCESSING APPLICATIONS
Techniques for assuring the quality of mobile document image captured using a mobile device are provided. These techniques include performing one or more tests to assess the quality of images of documents captured using the mobile device. The tests can be selected based on the type of document that was imaged, the type of mobile application for which the image quality of the mobile image is being assessed, and/or other parameters such as the type of mobile device and/or the characteristics of the camera of the mobile device that was used to capture the image. The image quality assurance techniques can also be implemented on can be implemented on a mobile device and/or on a remote server where the mobile device routes the mobile image to the remote server processing and the test results are be passed from the remote server to the mobile device.
G06V 10/98 - Detection or correction of errors, e.g. by rescanning the pattern or by human interventionEvaluation of the quality of the acquired patterns
G06V 10/24 - Aligning, centring, orientation detection or correction of the image
Systems and methods for integrating mobile image capture with an internet browser application on a mobile device are provided, wherein a user viewing a web page via the internet browser application can initiate a mobile image capture process on the mobile device through the web page, capture images with a mobile image capture user interface, and then provide secure access to the captured images for the web page in order to utilize the content of the captured images. The mobile image capture process is accessible through any internet browser application via the mobile device and allows any service running on a web page to benefit from the ability to capture an image on the mobile device and obtain the content of the image through mobile image processing. The browser-based mobile image capture allows mobile devices which do not run certain third party applications to utilize mobile image capture and processing.
Systems and methods for using a mobile device to submit an application for an insurance policy using images of documents captured by the mobile device are provided herein. The information is then used by an insurance company to generate a quote which is then displayed to the user on the mobile device. A user captures images of one or more documents containing information needed to complete an insurance application, after which the information on the documents is extracted and sent to the insurance company where a quote for the insurance policy can be developed. The quote can then be transmitted back to the user. Applications on the mobile device are configured to capture images of the documents needed for an insurance application, such as a driver's license, insurance information card or a vehicle identification number (VIN). The images are then processed to extract the information needed for the insurance application.
A system comprising: a check Image Record (CIR) database configured to store, for each of a plurality of accounts, a CIR, wherein each CIR comprises feature information related to features extracted from a plurality of reference checks associated with the associated account of the plurality of accounts; memory configured to store instructions; and a processor coupled with the CIR database and the memory, the processor configured to run the instructions, which cause the processor to: receive an image of a test check associated with an account of the plurality of accounts, extract feature information from the image, compare the features with the feature information stored in the CIR database for the account associated with the test check, generate a fraud score, and update each CIR by determining.
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
Systems and methods for mobile enrollment in automated clearing house (ACH) transactions using mobile-captured images of financial documents are provided. Applications running on a mobile device provide for the capture and processing of images of documents needed for enrollment in an ACH transaction, such as a blank check, remittance statement and driver's license. Data from the mobile-captured images that is needed for enrolling in ACH transactions is extracted from the processed images, such as a user's name, address, bank account number and bank routing number. The user can edit the extracted data, select the type of document that is being captured, authorize the creation of an ACH transaction and select an originator of the ACH transaction. The extracted data and originator information is transmitted to a remote server along with the user's authorization so the ACH transaction can be setup between the originator's and receiver's bank accounts.
G06V 30/146 - Aligning or centering of the image pick-up or image-field
G06Q 20/02 - Payment architectures, schemes or protocols involving a neutral third party, e.g. certification authority, notary or trusted third party [TTP]
G06Q 20/10 - Payment architectures specially adapted for electronic funds transfer [EFT] systemsPayment architectures specially adapted for home banking systems
G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
G06V 10/24 - Aligning, centring, orientation detection or correction of the image
G06V 10/28 - Quantising the image, e.g. histogram thresholding for discrimination between background and foreground patterns
G06V 10/32 - Normalisation of the pattern dimensions
Systems and methods for user identification (ID) document verification are provided. An exemplary method includes receiving, by a client device, an image of an ID document. Based on the image of the ID document, a determination is made whether the ID document includes a near-field communications (NFC) chip that stores an ID photo associated with the ID document. Based on this determination of whether the ID document includes an NFC chip, the ID document is verified by selectively using at least one of NFC chip authentication and optical authentication, to obtain a verification result.
G06V 40/00 - Recognition of biometric, human-related or animal-related patterns in image or video data
G06K 7/10 - Methods or arrangements for sensing record carriers by electromagnetic radiation, e.g. optical sensingMethods or arrangements for sensing record carriers by corpuscular radiation
G06Q 50/00 - Information and communication technology [ICT] specially adapted for implementation of business processes of specific business sectors, e.g. utilities or tourism
20.
Systems and methods for aligning documents with near field communication devices
Systems and methods for aligning a mobile device and a document are disclosed. An exemplary method comprises the steps of determining a model identifier from the mobile device; associating the model identifier with a device configuration from a source; receiving an image of the document taken by the camera of the mobile device; identifying a document type; associating the document type with a document configuration from the source; selecting an alignment feedback schema based on the device configuration and the document configuration; generating alignment feedback based on the image processing; detecting for a data connection between the mobile device and the document; and generating a connection indication when the data connection is detected.
G06K 7/10 - Methods or arrangements for sensing record carriers by electromagnetic radiation, e.g. optical sensingMethods or arrangements for sensing record carriers by corpuscular radiation
G06Q 50/00 - Information and communication technology [ICT] specially adapted for implementation of business processes of specific business sectors, e.g. utilities or tourism
21.
SYSTEMS AND METHODS FOR MOBILE IMAGE CAPTURE AND CONTENT PROCESSING OF DRIVER'S LICENSES
Systems and methods are provided for processing and extracting content from an image captured using a mobile device. In one embodiment, an image is captured by a mobile device and corrected to improve the quality of the image. The corrected image is then further processed by adjusting the image, identifying the format and layout of the document, binarizing the image and extracting the content using optical character recognition (OCR). Multiple methods of image adjusting may be implemented to accurately assess features of the document, and a secondary layout identification process may be performed to ensure that the content being extracted is properly classified.
Real-time evaluation and enhancement of image quality prior to capturing an image of a document on a mobile device is provided. An image capture process is initiated on a mobile device during which a user of the mobile device prepares to capture the image of the document, utilizing hardware and software on the mobile device to measure and achieve optimal parameters for image capture. Feedback may be provided to a user of the mobile device to instruct the user on how to manually optimize certain parameters relating to image quality, such as the angle, motion and distance of the mobile device from the document. When the optimal parameters for image capture of the document are achieved, at least one image of the document is automatically captured by the mobile device.
Systems and methods for identification (ID) document verification using hybrid near-field communications (NFC) authentication and optical authentication are provided. An exemplary method includes receiving, by a client device, an image of an ID document. Based on the image of the ID document, a determination is made whether the ID document includes a near-field communications (NFC) chip that stores data comprising identifying information for an owner of the identification. Based on this determination of whether the ID document includes an NFC chip, the ID document is verified by selectively using at least one of NFC chip authentication and optical authentication, to obtain a verification result.
G06V 40/00 - Recognition of biometric, human-related or animal-related patterns in image or video data
G06K 7/10 - Methods or arrangements for sensing record carriers by electromagnetic radiation, e.g. optical sensingMethods or arrangements for sensing record carriers by corpuscular radiation
G06Q 50/00 - Information and communication technology [ICT] specially adapted for implementation of business processes of specific business sectors, e.g. utilities or tourism
24.
Systems and methods for mobile automated clearing house enrollment
Systems and methods for mobile enrollment in automated clearing house (ACH) transactions using mobile-captured images of financial documents are provided. Applications running on a mobile device provide for the capture and processing of images of documents needed for enrollment in an ACH transaction, such as a blank check, remittance statement and driver's license. Data from the mobile-captured images that is needed for enrolling in ACH transactions is extracted from the processed images, such as a user's name, address, bank account number and bank routing number. The user can edit the extracted data, select the type of document that is being captured, authorize the creation of an ACH transaction and select an originator of the ACH transaction. The extracted data and originator information is transmitted to a remote server along with the user's authorization so the ACH transaction can be setup between the originator's and receiver's bank accounts.
G06Q 20/10 - Payment architectures specially adapted for electronic funds transfer [EFT] systemsPayment architectures specially adapted for home banking systems
G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
G06Q 20/02 - Payment architectures, schemes or protocols involving a neutral third party, e.g. certification authority, notary or trusted third party [TTP]
G06V 10/28 - Quantising the image, e.g. histogram thresholding for discrimination between background and foreground patterns
G06V 10/32 - Normalisation of the pattern dimensions
G06V 10/24 - Aligning, centring, orientation detection or correction of the image
H04N 1/00 - Scanning, transmission or reproduction of documents or the like, e.g. facsimile transmissionDetails thereof
A system comprising: a check image Record (CIR) database configured to store, for each of a plurality of accounts, a CIR, wherein each CIR comprises feature information related to features extracted from a plurality of reference checks associated with the associated account of the plurality of accounts; memory configured to store instructions; and a processor coupled with the CIR database and the memory, the processor configured to run the instructions, which cause the processor to: receive an image of a test check associated with an account of the plurality of accounts, extract feature information from the image, compare the features with the feature information stored in the CIR database for the account associated with the test check, generate a fraud score, and update each CIR by determining.
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
42 - Scientific, technological and industrial services, research and design
Goods & Services
Providing temporary use of online non-downloadable software
for identity verification; software as a service (SaaS)
services, namely, hosting software for use by others for
identity verification; providing temporary use of online
non-downloadable software for identity verification to
re-authenticate verified users through use of biometrics to
log back into a software application or service or building,
without the need for passwords.
27.
Methods for mobile image capture of vehicle identification numbers in a non-document
Various embodiments disclosed herein are directed to methods of capturing Vehicle Identification Numbers (VIN) from images captured by a mobile device. Capturing VIN data can be useful in several applications, for example, insurance data capture applications. There are at least two types of images supported by this technology: (1) images of documents and (2) images of non-documents.
G06V 30/262 - Techniques for post-processing, e.g. correcting the recognition result using context analysis, e.g. lexical, syntactic or semantic context
G06V 10/22 - Image preprocessing by selection of a specific region containing or referencing a patternLocating or processing of specific regions to guide the detection or recognition
G06V 10/28 - Quantising the image, e.g. histogram thresholding for discrimination between background and foreground patterns
G06V 10/98 - Detection or correction of errors, e.g. by rescanning the pattern or by human interventionEvaluation of the quality of the acquired patterns
42 - Scientific, technological and industrial services, research and design
Goods & Services
Providing temporary use of online non downloadable software
for identity verification; software as a service (SaaS)
services, namely, hosting software for use by others for
identity verification.
42 - Scientific, technological and industrial services, research and design
Goods & Services
Providing temporary use of online non downloadable software
for identity verification; software as a service (SaaS)
services, namely, hosting software for use by others for
identity verification.
42 - Scientific, technological and industrial services, research and design
Goods & Services
(1) Providing temporary use of online non-downloadable software for identity verification; software as a service (SaaS) services, namely, hosting software for use by others for identity verification; providing temporary use of online non-downloadable software for identity verification to re-authenticate verified users through use of biometrics to log back into a software application or service or building, without the need for passwords.
42 - Scientific, technological and industrial services, research and design
Goods & Services
Providing temporary use of online non-downloadable software for identity verification; providing temporary use of online non-downloadable software for identity verification to re-authenticate verified users through use of biometrics to log back into a software applications, services and buildings, without the need for passwords
42 - Scientific, technological and industrial services, research and design
Goods & Services
(1) Providing temporary use of online non downloadable software for authenticating the identity of a payer, a customer or a user; software as a service (SaaS) services, namely, hosting software for use by others for authenticating the identity of a payer, a customer or a user.
42 - Scientific, technological and industrial services, research and design
Goods & Services
(1) Providing temporary use of online non downloadable software for identity verification; software as a service (SaaS) services, namely, hosting software for use by others for identity verification.
42 - Scientific, technological and industrial services, research and design
Goods & Services
providing temporary use of online non downloadable software for identity verification; software as a service (SaaS) services, namely, hosting software for use by others for identity verification
42 - Scientific, technological and industrial services, research and design
Goods & Services
providing temporary use of online non downloadable software for identity verification; software as a service (SaaS) services, namely, hosting software for use by others for identity verification
36.
Systems and methods for enrollment and identity management using mobile imaging
Systems and methods for automatic enrollment and identity verification based upon processing a captured image of a document are disclosed herein. Various embodiments enable, for example, a user to enroll in a particular service by taking a photograph of a particular document (e.g., his driver license) with a mobile device. One or more algorithms can then extract relevant data from the captured image. The extracted data (e.g., the person's name, gender, date of birth, height, weight, etc.) can then be used to automatically populate various fields of an enrollment application, thereby reducing the amount of information that the user has to manually input into his mobile device in order to complete the enrollment process. In some embodiments, a set of internal and/or external checks can be run against the data to ensure that the data is valid, has been read correctly, and is consistent with other data.
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
Systems and methods are provided for processing an image of a financial payment document captured using a mobile device and classifying the type of payment document in order to extract the content therein. These methods may be implemented on a mobile device or a central server, and can be used to identify content on the payment document and determine whether the payment document is ready to be processed by a business or financial institution. The system can identify the type of payment document by identifying features on the payment document and performing a series of steps to determine probabilities that the payment document belongs to a specific document type. The identification steps are arranged starting with the fastest step in order to attempt to quickly determine the payment document type without requiring lengthy, extensive analysis.
Systems and methods for using a mobile device to submit an application for an insurance policy using images of documents captured by the mobile device are provided herein. The information is then used by an insurance company to generate a quote which is then displayed to the user on the mobile device. A user captures images of one or more documents containing information needed to complete an insurance application, after which the information on the documents is extracted and sent to the insurance company where a quote for the insurance policy can be developed. The quote can then be transmitted back to the user. Applications on the mobile device are configured to capture images of the documents needed for an insurance application, such as a driver's license, insurance information card or a vehicle identification number (VIN). The images are then processed to extract the information needed for the insurance application.
Systems and methods for integrating mobile image capture with an internet browser application on a mobile device are provided, wherein a user viewing a web page via the internet browser application can initiate a mobile image capture process on the mobile device through the web page, capture images with a mobile image capture user interface, and then provide secure access to the captured images for the web page in order to utilize the content of the captured images. The mobile image capture process is accessible through any internet browser application via the mobile device and allows any service running on a web page to benefit from the ability to capture an image on the mobile device and obtain the content of the image through mobile image processing. The browser-based mobile image capture allows mobile devices which do not run certain third party applications to utilize mobile image capture and processing.
Systems and methods are provided for assessing whether mobile deposit processing engines meet specified standards for mobile deposit of financial documents. A mobile deposit processing engine (MDE) is evaluated to determine if it can perform technical capabilities for improving the quality of and extracting content from an image of a financial document. A verification process then begins, where the MDE performs the image quality enhancements and text extraction steps on sets of images from a test deck. The results of the processing of the test deck are then evaluated by comparing confidence levels with thresholds to determine if each set of images should be accepted or rejected. Further analysis determines whether any of the sets of images were falsely accepted or rejected in error. An overall error rate is then compared with minimum accuracy criteria, and if the criteria are met, the MDE meets the standard for mobile deposit.
G06V 30/12 - Detection or correction of errors, e.g. by rescanning the pattern
G06V 10/24 - Aligning, centring, orientation detection or correction of the image
G06V 10/98 - Detection or correction of errors, e.g. by rescanning the pattern or by human interventionEvaluation of the quality of the acquired patterns
G06V 30/224 - Character recognition characterised by the type of writing of printed characters having additional code marks or containing code marks
G06V 30/414 - Extracting the geometrical structure, e.g. layout treeBlock segmentation, e.g. bounding boxes for graphics or text
G06V 30/418 - Document matching, e.g. of document images
41.
Systems and methods for updating an image registry for use in fraud detection related to financial documents
A system comprising: a check Image Record (CIR) database configured to store, for each of a plurality of accounts, a CIR, wherein each CIR comprises feature information related to features extracted from a plurality of reference checks associated with the associated account of the plurality of accounts; memory configured to store instructions; and a processor coupled with the CIR database and the memory, the processor configured to run the instructions, which cause the processor to: receive an image of a test check associated with an account of the plurality of accounts, extract feature information from the image, compare the features with the feature information stored in the CIR database for the account associated with the test check, generate a fraud score, and update each CIR by determining.
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
Techniques for processing images of documents captured using a mobile device are provided. The images can include different sides of a document from a mobile device for an authenticated transaction. In an example implementation, a method incudes inspecting the images to detect a feature associated with a first side of the document. In response to determining an image is the first side of the document, a type of content is selected to be analyze on the image of the first side and one or more of regions of interests (ROIs) are identified on the image of the first side that are known to include the selected type of content. A process can include receiving a sub-image of the image of the first side from the preprocessing unit, and performing content detection test on the sub-image.
Self-sovereign identity systems and methods for identification documents are disclosed herein. An example method includes transmitting data obtained from a near-field communications (NFC) chip of an object to the service provider. The data can include identifying information for an owner of the object. The method can include receiving a user identity packet from the service provider that is generated by the service provider based on verification of an identity of the owner and validity of the NFC chip, storing the user identity packet on a computing device, receiving a request from a first requesting device or service for the data stored on the NFC chip of the object and transmitting the user identity packet from the computing device to the first requesting device or service instead of the data.
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
H04L 9/32 - Arrangements for secret or secure communicationsNetwork security protocols including means for verifying the identity or authority of a user of the system
44.
ALIGNMENT OF ANTENNAS ON NEAR FIELD COMMUNICATION DEVICES FOR COMMUNICATION
A method for aligning NFC antennas on a mobile device and document. The method comprises determining the mobile device model identifier, associating the model identifier with a configuration, determining a model type and determining the document configuration in relation to its NFC components, selecting an feedback schema for aligning the NFC antennas based on the device and document configuration, generating alignment feedback according to the alignment feedback schema, detecting a data connection between the mobile device and the document and generating a connection indication. The determining the document type can be performed by reading a Machine Readable Zone. The feedback schema can be coupled with the mobile device's video camera and display, audio, and haptic feedback.
Systems and methods for identification (ID) document verification using hybrid near-field communications (NFC) authentication and optical authentication are provided. An exemplary method includes receiving, by a client device, an image of an ID document. Based on the image of the ID document, a determination is made whether the ID document includes a near-field communications (NFC) chip that stores data comprising identifying information for an owner of the identification. Based on this determination of whether the ID document includes an NFC chip, the ID document is verified by selectively using at least one of NFC chip authentication and optical authentication, to obtain a verification result.
G06K 7/10 - Methods or arrangements for sensing record carriers by electromagnetic radiation, e.g. optical sensingMethods or arrangements for sensing record carriers by corpuscular radiation
G06K 9/00 - Methods or arrangements for reading or recognising printed or written characters or for recognising patterns, e.g. fingerprints
G06Q 50/00 - Information and communication technology [ICT] specially adapted for implementation of business processes of specific business sectors, e.g. utilities or tourism
G06T 11/60 - Editing figures and textCombining figures or text
46.
Systems and methods for enrollment and identity management using mobile imaging
Systems and methods for automatic enrollment and identity verification based upon processing a captured image of a document are disclosed herein. Various embodiments enable, for example, a user to enroll in a particular service by taking a photograph of a particular document (e.g., his driver license) with a mobile device. One or more algorithms can then extract relevant data from the captured image. The extracted data (e.g., the person's name, gender, date of birth, height, weight, etc.) can then be used to automatically populate various fields of an enrollment application, thereby reducing the amount of information that the user has to manually input into his mobile device in order to complete the enrollment process. In some embodiments, a set of internal and/or external checks can be run against the data to ensure that the data is valid, has been read correctly, and is consistent with other data.
G06K 9/18 - Methods or arrangements for reading or recognising printed or written characters or for recognising patterns, e.g. fingerprints using printed characters having additional code marks or containing code marks, e.g. the character being composed of individual strokes of different shape, each representing a different code value
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
G06K 9/03 - Detection or correction of errors, e.g. by rescanning the pattern
G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
47.
Mobile image quality assurance in mobile document image processing applications
Techniques for assuring the quality of mobile document image captured using a mobile device are provided. These techniques include performing one or more tests to assess the quality of images of documents captured using the mobile device. The tests can be selected based on the type of document that was imaged, the type of mobile application for which the image quality of the mobile image is being assessed, and/or other parameters such as the type of mobile device and/or the characteristics of the camera of the mobile device that was used to capture the image. The image quality assurance techniques can also be implemented on can be implemented on a mobile device and/or on a remote server where the mobile device routes the mobile image to the remote server processing and the test results are be passed from the remote server to the mobile device.
G06V 10/98 - Detection or correction of errors, e.g. by rescanning the pattern or by human interventionEvaluation of the quality of the acquired patterns
G06V 10/24 - Aligning, centring, orientation detection or correction of the image
48.
Methods for mobile image capture of vehicle identification numbers in a non-document
Various embodiments disclosed herein are directed to methods of capturing Vehicle Identification Numbers (VIN) from images captured by a mobile device. Capturing VIN data can be useful in several applications, for example, insurance data capture applications. There are at least two types of images supported by this technology: (1) images of documents and (2) images of non-documents.
G06V 30/262 - Techniques for post-processing, e.g. correcting the recognition result using context analysis, e.g. lexical, syntactic or semantic context
G06V 10/22 - Image preprocessing by selection of a specific region containing or referencing a patternLocating or processing of specific regions to guide the detection or recognition
G06V 10/28 - Quantising the image, e.g. histogram thresholding for discrimination between background and foreground patterns
G06V 10/56 - Extraction of image or video features relating to colour
G06V 10/98 - Detection or correction of errors, e.g. by rescanning the pattern or by human interventionEvaluation of the quality of the acquired patterns
A method for aligning NFC antennas on a mobile device and document. The method comprises determining the mobile device model identifier, associating the model identifier with a configuration, determining a model type and determining the document configuration in relation to its NFC components, selecting an feedback schema for aligning the NFC antennas based on the device and document configuration, generating alignment feedback according to the alignment feedback schema, detecting a data connection between the mobile device and the document and generating a connection indication. The determining the document type can be performed by reading a Machine Readable Zone. The feedback schema can be coupled with the mobile device's video camera and display, audio, and haptic feedback.
G06K 7/10 - Methods or arrangements for sensing record carriers by electromagnetic radiation, e.g. optical sensingMethods or arrangements for sensing record carriers by corpuscular radiation
G06Q 50/00 - Information and communication technology [ICT] specially adapted for implementation of business processes of specific business sectors, e.g. utilities or tourism
50.
Self-sovereign identity systems and methods for identification documents
Self-sovereign identity systems and methods for identification documents are disclosed herein. An example method includes transmitting data obtained from a near-field communications (NFC) chip of an object to the service provider. The data can include identifying information for an owner of the object. The method can include receiving a user identity packet from the service provider that is generated by the service provider based on verification of an identity of the owner and validity of the NFC chip, storing the user identity packet on a computing device, receiving a request from a first requesting device or service for the data stored on the NFC chip of the object and transmitting the user identity packet from the computing device to the first requesting device or service instead of the data.
G06K 7/10 - Methods or arrangements for sensing record carriers by electromagnetic radiation, e.g. optical sensingMethods or arrangements for sensing record carriers by corpuscular radiation
G06Q 50/00 - Information and communication technology [ICT] specially adapted for implementation of business processes of specific business sectors, e.g. utilities or tourism
H04W 4/80 - Services using short range communication, e.g. near-field communication [NFC], radio-frequency identification [RFID] or low energy communication
H04W 12/00 - Security arrangementsAuthenticationProtecting privacy or anonymity
51.
Systems and methods of identification verification using hybrid near-field communication and optical authentication
Systems and methods for identification (ID) document verification using hybrid near-field communications (NFC) authentication and optical authentication are provided. An exemplary method includes receiving, by a client device, an image of an ID document. Based on the image of the ID document, a determination is made whether the ID document includes a near-field communications (NFC) chip that stores data comprising identifying information for an owner of the identification. Based on this determination of whether the ID document includes an NFC chip, the ID document is verified by selectively using at least one of NFC chip authentication and optical authentication, to obtain a verification result.
G06V 40/00 - Recognition of biometric, human-related or animal-related patterns in image or video data
G06K 7/10 - Methods or arrangements for sensing record carriers by electromagnetic radiation, e.g. optical sensingMethods or arrangements for sensing record carriers by corpuscular radiation
G06Q 50/00 - Information and communication technology [ICT] specially adapted for implementation of business processes of specific business sectors, e.g. utilities or tourism
52.
Systems and methods for mobile image capture and content processing of driver's licenses
Systems and methods are provided for processing and extracting content from an image captured using a mobile device. In one embodiment, an image is captured by a mobile device and corrected to improve the quality of the image. The corrected image is then further processed by adjusting the image, identifying the format and layout of the document, binarizing the image and extracting the content using optical character recognition (OCR). Multiple methods of image adjusting may be implemented to accurately assess features of the document, and a secondary layout identification process may be performed to ensure that the content being extracted is properly classified.
Real-time evaluation and enhancement of image quality prior to capturing an image of a document on a mobile device is provided. An image capture process is initiated on a mobile device during which a user of the mobile device prepares to capture the image of the document, utilizing hardware and software on the mobile device to measure and achieve optimal parameters for image capture. Feedback may be provided to a user of the mobile device to instruct the user on how to manually optimize certain parameters relating to image quality, such as the angle, motion and distance of the mobile device from the document. When the optimal parameters for image capture of the document are achieved, at least one image of the document is automatically captured by the mobile device.
Systems and methods are provided for processing an image of a financial payment document captured using a mobile device and classifying the type of payment document in order to extract the content therein. These methods may be implemented on a mobile device or a central server, and can be used to identify content on the payment document and determine whether the payment document is ready to be processed by a business or financial institution. The system can identify the type of payment document by identifying features on the payment document and performing a series of steps to determine probabilities that the payment document belongs to a specific document type. The identification steps are arranged starting with the fastest step in order to attempt to quickly determine the payment document type without requiring lengthy, extensive analysis.
G06K 9/18 - Methods or arrangements for reading or recognising printed or written characters or for recognising patterns, e.g. fingerprints using printed characters having additional code marks or containing code marks, e.g. the character being composed of individual strokes of different shape, each representing a different code value
Techniques for processing images of documents captured using a mobile device are provided. The images can include different sides of a document from a mobile device for an authenticated transaction. In an example implementation, a method includes inspecting the images to detect a feature associated with a first side of the document. In response to determining an image is the first side of the document, a type of content is selected to be analyze on the image of the first side and one or more of regions of interests (ROIs) are identified on the image of the first side that are known to include the selected type of content. A process can include receiving a sub-image of the image of the first side from the preprocessing unit, and performing content detection test on the sub-image.
Various embodiments disclosed herein are directed to methods of capturing Vehicle Identification Numbers (VIN) from images captured by a mobile device. Capturing VIN data can be useful in several applications, for example, insurance data capture applications. There are at least two types of images supported by this technology: (1) images of documents and (2) images of non-documents.
G06K 9/72 - Methods or arrangements for recognition using electronic means using context analysis based on the provisionally recognised identity of a number of successive patterns, e.g. a word
G06K 9/46 - Extraction of features or characteristics of the image
57.
Systems and methods for mobile automated clearing house enrollment
Systems and methods for mobile enrollment in automated clearing house (ACH) transactions using mobile-captured images of financial documents are provided. Applications running on a mobile device provide for the capture and processing of images of documents needed for enrollment in an ACH transaction, such as a blank check, remittance statement and driver's license. Data from the mobile-captured images that is needed for enrolling in ACH transactions is extracted from the processed images, such as a user's name, address, bank account number and bank routing number. The user can edit the extracted data, select the type of document that is being captured, authorize the creation of an ACH transaction and select an originator of the ACH transaction. The extracted data and originator information is transmitted to a remote server along with the user's authorization so the ACH transaction can be setup between the originator's and receiver's bank accounts.
G06Q 20/10 - Payment architectures specially adapted for electronic funds transfer [EFT] systemsPayment architectures specially adapted for home banking systems
G06K 9/32 - Aligning or centering of the image pick-up or image-field
G06K 9/42 - Normalisation of the pattern dimensions
G06Q 20/02 - Payment architectures, schemes or protocols involving a neutral third party, e.g. certification authority, notary or trusted third party [TTP]
H04N 1/00 - Scanning, transmission or reproduction of documents or the like, e.g. facsimile transmissionDetails thereof
Systems and methods are provided for processing an image of a financial payment document captured using a mobile device and classifying the type of payment document in order to extract the content therein. These methods may be implemented on a mobile device or a central server, and can be used to identify content on the payment document and determine whether the payment document is ready to be processed by a business or financial institution. The system can identify the type of payment document by identifying features on the payment document and performing a series of steps to determine probabilities that the payment document belongs to a specific document type. The identification steps are arranged starting with the fastest step in order to attempt to quickly determine the payment document type without requiring lengthy, extensive analysis.
G06K 9/18 - Methods or arrangements for reading or recognising printed or written characters or for recognising patterns, e.g. fingerprints using printed characters having additional code marks or containing code marks, e.g. the character being composed of individual strokes of different shape, each representing a different code value
59.
Systems and methods for assessing standards for mobile image quality
Methods and systems are provided for defining and determining a formal and verifiable mobile document image quality and usability (MDIQU) standard, or Standard for short. The Standard ensures that a mobile image can be used in an appropriate mobile document processing application, for example an application for mobile check deposit. In order to quantify the usability, the Standard establishes 5 quality and usability grades. A mobile image capture device can capture images. A mobile device can receive information associated with one or more image quality assurance (IQA) criteria; evaluating the images to select an image satisfying an image quality criteria based on the received information; and in response to the image satisfying the image quality score, sending the selected image to determine a set of image quality assurance (IQA) scores.
Systems and methods are provided for processing and extracting content from an image captured using a mobile device. In one embodiment, an image is captured by a mobile device and corrected to improve the quality of the image. The corrected image is then further processed by adjusting the image, identifying the format and layout of the document, binarizing the image and extracting the content using optical character recognition (OCR). Multiple methods of image adjusting may be implemented to accurately assess features of the document, and a secondary layout identification process may be performed to ensure that the content being extracted is properly classified.
Methods and systems are provided for end-to-end text recognition in digitized documents of handwritten characters over multiple lines without explicit line segmentation. An image is received. Based on the image, one or more feature maps are determined. Each of the one or more feature maps include one or more feature vectors. Based at least in part on the one or more feature maps, one or more scalar scores are determined. Based on the one or more scalar scores, one or more attention weights are determined. By applying the one or more attention weights to each of the one or more feature vectors, one or more image summary vectors are determined. Based at least in part on the one or more image summary vectors, one or more handwritten characters are determined.
Techniques for assuring the quality of mobile document image captured using a mobile device are provided. These techniques include performing one or more tests to assess the quality of images of documents captured using the mobile device. The tests can be selected based on the type of document that was imaged, the type of mobile application for which the image quality of the mobile image is being assessed, and/or other parameters such as the type of mobile device and/or the characteristics of the camera of the mobile device that was used to capture the image. The image quality assurance techniques can also be implemented on can be implemented on a mobile device and/or on a remote server where the mobile device routes the mobile image to the remote server processing and the test results are be passed from the remote server to the mobile device.
Systems and methods are provided for assessing whether mobile deposit processing engines meet specified standards for mobile deposit of financial documents. A mobile deposit processing engine (MDE) is evaluated to determine if it can perform technical capabilities for improving the quality of and extracting content from an image of a financial document. A verification process then begins, where the MDE performs the image quality enhancements and text extraction steps on sets of images from a test deck. The results of the processing of the test deck are then evaluated by comparing confidence levels with thresholds to determine if each set of images should be accepted or rejected. Further analysis determines whether any of the sets of images were falsely accepted or rejected in error. An overall error rate is then compared with minimum accuracy criteria, and if the criteria are met, the MDE meets the standard for mobile deposit.
G06K 9/00 - Methods or arrangements for reading or recognising printed or written characters or for recognising patterns, e.g. fingerprints
G06K 9/18 - Methods or arrangements for reading or recognising printed or written characters or for recognising patterns, e.g. fingerprints using printed characters having additional code marks or containing code marks, e.g. the character being composed of individual strokes of different shape, each representing a different code value
G06K 9/03 - Detection or correction of errors, e.g. by rescanning the pattern
G06K 9/32 - Aligning or centering of the image pick-up or image-field
64.
Methods for mobile image capture of vehicle identification numbers in a non-document
Various embodiments disclosed herein are directed to methods of capturing Vehicle Identification Numbers (VIN) from images captured by a mobile device. Capturing VIN data can be useful in several applications, for example, insurance data capture applications. There are at least two types of images supported by this technology: (1) images of documents and (2) images of non-documents.
G06K 9/72 - Methods or arrangements for recognition using electronic means using context analysis based on the provisionally recognised identity of a number of successive patterns, e.g. a word
G06K 9/46 - Extraction of features or characteristics of the image
65.
Systems and methods for obtaining insurance offers using mobile image capture
Systems and methods for using a mobile device to submit an application for an insurance policy using images of documents captured by the mobile device are provided herein. The information is then used by an insurance company to generate a quote which is then displayed to the user on the mobile device. A user captures images of one or more documents containing information needed to complete an insurance application, after which the information on the documents is extracted and sent to the insurance company where a quote for the insurance policy can be developed. The quote can then be transmitted back to the user. Applications on the mobile device are configured to capture images of the documents needed for an insurance application, such as a driver's license, insurance information card or a vehicle identification number (VIN). The images are then processed to extract the information needed for the insurance application.
Systems and methods are provided for processing and extracting content from an image captured using a mobile device. In one embodiment, an image is captured by a mobile device and corrected to improve the quality of the image. The corrected image is then further processed by adjusting the image, identifying the format and layout of the document, binarizing the image and extracting the content using optical character recognition (OCR). Multiple methods of image adjusting may be implemented to accurately assess features of the document, and a secondary layout identification process may be performed to ensure that the content being extracted is properly classified.
Techniques for processing images of documents captured using a mobile device are provided. The images can include different sides of a document from a mobile device for an authenticated transaction. In an example implementation, a method includes inspecting the images to detect a feature associated with a first side of the document. In response to determining an image is the first side of the document, a type of content is selected to be analyze on the image of the first side and one or more of regions of interests (ROIs) are identified on the image of the first side that are known to include the selected type of content. A process can include receiving a sub-image of the image of the first side from the preprocessing unit, and performing content detection test on the sub-image.
Methods and systems are provided for defining and determining a formal and verifiable mobile document image quality and usability (MDIQU) standard, or Standard for short. The Standard ensures that a mobile image can be used in an appropriate mobile document processing application, for example an application for mobile check deposit. In order to quantify the usability, the Standard establishes 5 quality and usability grades. A mobile image capture device can capture images. A mobile device can receive information associated with one or more image quality assurance (IQA) criteria; evaluating the images to select an image satisfying an image quality criteria based on the received information; and in response to the image satisfying the image quality score, sending the selected image to determine a set of image quality assurance (IQA) scores.
Various embodiments disclosed herein are directed to methods of capturing Vehicle Identification Numbers (VIN) from images captured by a mobile device. Capturing VIN data can be useful in several applications, for example, insurance data capture applications. There are at least two types of images supported by this technology: (1) images of documents and (2) images of non-documents.
G06K 9/46 - Extraction of features or characteristics of the image
G06K 9/72 - Methods or arrangements for recognition using electronic means using context analysis based on the provisionally recognised identity of a number of successive patterns, e.g. a word
Methods and systems are provided for end-to-end text recognition in digitized documents of handwritten characters over multiple lines without explicit line segmentation. An image is received. Based on the image, one or more feature maps are determined. Each of the one or more feature maps include one or more feature vectors. Based at least in part on the one or more feature maps, one or more scalar scores are determined. Based on the one or more scalar scores, one or more attention weights are determined. By applying the one or more attention weights to each of the one or more feature vectors, one or more image summary vectors are determined. Based at least in part on the one or more image summary vectors, one or more handwritten characters are determined.
Systems and methods are provided for processing and extracting content from an image captured using a mobile device. In one embodiment, an image is captured by a mobile device and corrected to improve the quality of the image. The corrected image is then further processed by adjusting the image, identifying the format and layout of the DL, binarizing the image and extracting the content using optical character recognition (OCR). Multiple methods of image adjusting may be implemented to accurately assess features of the DL, and a secondary layout identification process may be performed to ensure that the content being extracted is properly classified.
Methods and systems are provided for end-to-end text recognition in digitized documents of handwritten characters over multiple lines without explicit line segmentation. An image is received. Based on the image, one or more feature maps are determined. Each of the one or more feature maps include one or more feature vectors. Based at least in part on the one or more feature maps, one or more scalar scores are determined. Based on the one or more scalar scores, one or more attention weights are determined. By applying the one or more attention weights to each of the one or more feature vectors, one or more image summary vectors are determined. Based at least in part on the one or more image summary vectors, one or more handwritten characters are determined.
Techniques for assuring the quality of mobile document image captured using a mobile device are provided. These techniques include performing one or more tests to assess the quality of images of documents captured using the mobile device. The tests can be selected based on the type of document that was imaged, the type of mobile application for which the image quality of the mobile image is being assessed, and/or other parameters such as the type of mobile device and/or the characteristics of the camera of the mobile device that was used to capture the image. The image quality assurance techniques can also be implemented on can be implemented on a mobile device and/or on a remote server where the mobile device routes the mobile image to the remote server processing and the test results are be passed from the remote server to the mobile device.
Methods are provided for defining and determining a formal and verifiable mobile document image quality and usability (MDIQU) standard, or Standard for short. The Standard ensures that a mobile image can be used in an appropriate mobile document processing application, for example an application for mobile check deposit. In order to quantify the usability, the Standard establishes 5 quality and usability grades. A mobile image is first tested to determine if the quality is sufficient to obtain content from the image by performing multiple different image quality assessment tests. If the image quality is sufficient, one or more document usability computations are made to determine if the document or content in the image is usable by a particular application. A ranking is then assigned to the image based on the results of the tests which is indicative of the quality and usability of the image.
G06K 9/00 - Methods or arrangements for reading or recognising printed or written characters or for recognising patterns, e.g. fingerprints
G06K 9/03 - Detection or correction of errors, e.g. by rescanning the pattern
G06K 17/00 - Methods or arrangements for effecting co-operative working between equipments covered by two or more of main groups , e.g. automatic card files incorporating conveying and reading operations
75.
Systems and methods for capturing critical fields from a mobile image of a credit card bill
The embodiments herein focus on improving recognition accuracy of these fields on credit card bills by detecting and identifying critical fields on a credit card, extracting the data from the critical fields and comparing the data with known data on a payor, payee and biller.
G06K 7/10 - Methods or arrangements for sensing record carriers by electromagnetic radiation, e.g. optical sensingMethods or arrangements for sensing record carriers by corpuscular radiation
G06K 7/14 - Methods or arrangements for sensing record carriers by electromagnetic radiation, e.g. optical sensingMethods or arrangements for sensing record carriers by corpuscular radiation using light without selection of wavelength, e.g. sensing reflected white light
76.
Systems and methods for mobile image capture and content processing of driver's licenses
Systems and methods are provided for processing and extracting content from an image of a driver's license captured using a mobile device. In one embodiment, an image of a driver's license (DL) is captured by a mobile device and corrected to improve the quality of the image. The corrected image is then further processed by cropping the image, identifying the format and layout of the DL, binarizing the image and extracting the content using optical character recognition (OCR). Multiple methods of image cropping may be implemented to accurately assess the borders of the DL, and a secondary layout identification process may be performed to ensure that the content being extracted is properly classified.
Techniques for assuring the quality of mobile document image captured using a mobile device are provided. These techniques include performing one or more tests to assess the quality of images of documents captured using the mobile device. The tests can be selected based on the type of document that was imaged, the type of mobile application for which the image quality of the mobile image is being assessed, and/or other parameters such as the type of mobile device and/or the characteristics of the camera of the mobile device that was used to capture the image. The image quality assurance techniques can also be implemented on can be implemented on a mobile device and/or on a remote server where the mobile device routes the mobile image to the remote server processing and the test results are be passed from the remote server to the mobile device.
The systems and methods of the present disclosure enable a user to use a mobile device to automatically capture a high resolution image of a rectangular object. The methods include capturing a low resolution image of the rectangular object and detecting edges of the rectangular object in the low resolution image, where the edges form a quadrangle, calculating a coordinate of each corner of the quadrangle, calculating an average coordinate of each corner of the quadrangle in a most recent predetermined number of low resolution images, calculating a dispersion of each corner of the quadrangle in the most recent predetermined number of low resolution images from a corresponding coordinate of each calculated average coordinate, determining whether the dispersion of each corner of the quadrangle is less than a predetermined value, capturing a high resolution image of the rectangular object when it is determined that the dispersion of each corner of the quadrangle is less than the predetermined value, and geometrically transforming the quadrangle of the rectangular object in the high resolution image into a rectangle.
Systems and methods are provided for processing an image of a financial payment document captured using a mobile device and classifying the type of payment document in order to extract the content therein. These methods may be implemented on a mobile device or a central server, and can be used to identify content on the payment document and determine whether the payment document is ready to be processed by a business or financial institution. The system can identify the type of payment document by identifying features on the payment document and performing a series of steps to determine probabilities that the payment document belongs to a specific document type. The identification steps are arranged starting with the fastest step in order to attempt to quickly determine the payment document type without requiring lengthy, extensive analysis.
G06K 9/18 - Methods or arrangements for reading or recognising printed or written characters or for recognising patterns, e.g. fingerprints using printed characters having additional code marks or containing code marks, e.g. the character being composed of individual strokes of different shape, each representing a different code value
The systems and methods of the present disclosure enable a user to use a mobile device to automatically capture a high resolution image of a rectangular object. The methods include capturing a low resolution image of the rectangular object and detecting edges of the rectangular object in the low resolution image, where the edges form a quadrangle, calculating a coordinate of each corner of the quadrangle, calculating an average coordinate of each corner of the quadrangle in a most recent predetermined number of low resolution images, calculating a dispersion of each corner of the quadrangle in the most recent predetermined number of low resolution images from a corresponding coordinate of each calculated average coordinate, determining whether the dispersion of each corner of the quadrangle is less than a predetermined value, capturing a high resolution image of the rectangular object when it is determined that the dispersion of each corner of the quadrangle is less than the predetermined value, and geometrically transforming the quadrangle of the rectangular object in the high resolution image into a rectangle.
Systems and methods for integrating mobile image capture with an internet browser application on a mobile device are provided, wherein a user viewing a web page via the internet browser application can initiate a mobile image capture process on the mobile device through the web page, capture images with a mobile image capture user interface, and then provide secure access to the captured images for the web page in order to utilize the content of the captured images. The mobile image capture process is accessible through any internet browser application via the mobile device and allows any service running on a web page to benefit from the ability to capture an image on the mobile device and obtain the content of the image through mobile image processing. The browser-based mobile image capture allows mobile devices which do not run certain third party applications to utilize mobile image capture and processing.
42 - Scientific, technological and industrial services, research and design
Goods & Services
Providing temporary use of on-line non-downloadable computer software for document imaging, intelligent character and image recognition, and document analysis
42 - Scientific, technological and industrial services, research and design
Goods & Services
Providing temporary use of on-line non-downloadable computer software for document imaging, intelligent character and image recognition, and document analysis
84.
Systems and methods for developing and verifying image processing standards for mobile deposit
Systems and methods are provided for assessing whether mobile deposit processing engines meet specified standards for mobile deposit of financial documents. A mobile deposit processing engine (MDE) is evaluated to determine if it can perform technical capabilities for improving the quality of and extracting content from an image of a financial document. A verification process then begins, where the MDE performs the image quality enhancements and text extraction steps on sets of images from a test deck. The results of the processing of the test deck are then evaluated by comparing confidence levels with thresholds to determine if each set of images should be accepted or rejected. Further analysis determines whether any of the sets of images were falsely accepted or rejected in error. An overall error rate is then compared with minimum accuracy criteria, and if the criteria are met, the MDE meets the standard for mobile deposit.
G06K 9/00 - Methods or arrangements for reading or recognising printed or written characters or for recognising patterns, e.g. fingerprints
G06K 9/18 - Methods or arrangements for reading or recognising printed or written characters or for recognising patterns, e.g. fingerprints using printed characters having additional code marks or containing code marks, e.g. the character being composed of individual strokes of different shape, each representing a different code value
G06K 9/03 - Detection or correction of errors, e.g. by rescanning the pattern
G06K 9/32 - Aligning or centering of the image pick-up or image-field
85.
Systems and methods for capturing images using a mobile device
The systems and methods of the present disclosure enable a user to use a mobile device to automatically capture a high resolution image of a rectangular object. The methods include capturing a low resolution image of the rectangular object and detecting edges of the rectangular object in the low resolution image, where the edges form a quadrangle, calculating a coordinate of each corner of the quadrangle, calculating an average coordinate of each corner of the quadrangle in a most recent predetermined number of low resolution images, calculating a dispersion of each corner of the quadrangle in the most recent predetermined number of low resolution images from a corresponding coordinate of each calculated average coordinate, determining whether the dispersion of each corner of the quadrangle is less than a predetermined value, capturing a high resolution image of the rectangular object when it is determined that the dispersion of each corner of the quadrangle is less than the predetermined value, and geometrically transforming the quadrangle of the rectangular object in the high resolution image into a rectangle.
The systems and methods of the present disclosure use a mobile device equipped with a camera to capture and preprocess images of objects including financial documents, financial cards, and identification cards, and to recognize information in the images of the objects. The methods include detecting quadrangles in images of an object in an image data stream generated by the camera, capturing a first image, transforming the first image, binarizing the transformed image, recognizing information in the binarized image, and determining the validity of the recognized information. The method also includes communicating with a server of a financial institution or other organization to determine the validity of the recognized information. The mobile device may include a camera, a display to display an image data stream and captured images, a memory to store a configuration file including parameters for the preprocessing and recognition functions, captured images, and software, and a communication unit to communicate with a server of the financial institution or other organization.
G06K 9/72 - Methods or arrangements for recognition using electronic means using context analysis based on the provisionally recognised identity of a number of successive patterns, e.g. a word
09 - Scientific and electric apparatus and instruments
Goods & Services
Computer software for document imaging, intelligent character and image recognition, and for document image, character and format analysis; downloadable software for document imaging, intelligent character and image recognition, and for document image, character and format analysis
88.
Systems and methods for assessing standards for mobile image quality
Methods are provided for defining and determining a formal and verifiable mobile document image quality and usability (MDIQU) standard, or Standard for short. The Standard ensures that a mobile image can be used in an appropriate mobile document processing application, for example an application for mobile check deposit. In order to quantify the usability, the Standard establishes 5 quality and usability grades. A mobile image is first tested to determine if the quality is sufficient to obtain content from the image by performing multiple different image quality assessment tests. If the image quality is sufficient, one or more document usability computations are made to determine if the document or content in the image is usable by a particular application. A ranking is then assigned to the image based on the results of the tests which is indicative of the quality and usability of the image.
Various embodiments disclosed herein are directed to methods of capturing Vehicle Identification Numbers (VIN) from images captured by a mobile device. Capturing VIN data can be useful in several applications, for example, insurance data capture applications. There are at least two types of images supported by this technology: (1) images of documents and (2) images of non-documents.
G06K 9/72 - Methods or arrangements for recognition using electronic means using context analysis based on the provisionally recognised identity of a number of successive patterns, e.g. a word
90.
Systems for mobile image capture and remittance processing
The present invention relates to automated document processing and more particularly, to methods and systems for document image capture and processing using mobile devices. In accordance with various embodiments, methods and systems for document image capture on a mobile communication device are provided such that the image is optimized and enhanced for data extraction from the document as depicted. These methods and systems may comprise capturing an image of a document using a mobile communication device; transmitting the image to a server; and processing the image to create a bi-tonal image of the document for data extraction. Additionally, these methods and systems may comprise capturing a first image of a document using the mobile communication device; automatically detecting the document within the image; geometrically correcting the image; binarizing the image; correcting the orientation of the image; correcting the size of the image; and outputting the resulting image of the document.
Techniques for assuring the quality of mobile document image captured using a mobile device are provided. These techniques include performing one or more tests to assess the quality of images of documents captured using the mobile device. The tests can be selected based on the type of document that was imaged, the type of mobile application for which the image quality of the mobile image is being assessed, and/or other parameters such as the type of mobile device and/or the characteristics of the camera of the mobile device that was used to capture the image. The image quality assurance techniques can also be implemented on can be implemented on a mobile device and/or on a remote server where the mobile device routes the mobile image to the remote server processing and the test results are be passed from the remote server to the mobile device.
The systems and methods of the present disclosure use a mobile device equipped with a camera to capture and preprocess images of financial documents, and to recognize information in the images of financial documents. The methods include detecting quadrangles in images of a financial document in an image data stream generated by the camera, capturing a first image, transforming the first image, binarizing the transformed image, recognizing information in the binarized image, and determining the validity of the recognized information. The method also includes communicating with a server of the financial institution to determine the validity of the recognized information. The mobile device may include a camera, a display to display an image data stream and captured images, a memory to store a configuration file including parameters for the preprocessing and recognition functions, captured images, and software, and a communication unit to communicate with a server of the financial institution.
The systems and methods of the present disclosure use a mobile device equipped with a camera to capture and preprocess images of objects including financial documents, financial cards, and identification cards, and to recognize information in the images of the objects. The methods include detecting quadrangles in images of an object in an image data stream generated by the camera, capturing a first image, transforming the first image, binarizing the transformed image, recognizing information in the binarized image, and determining the validity of the recognized information. The method also includes communicating with a server of a financial institution or other organization to determine the validity of the recognized information. The mobile device may include a camera, a display to display an image data stream and captured images, a memory to store a configuration file including parameters for the preprocessing and recognition functions, captured images, and software, and a communication unit to communicate with a server of the financial institution or other organization.
Real-time evaluation of high quality preview images of a document prior to capturing a final image of the document on a mobile device is disclosed. In one aspect, an image capture device is activated on the mobile device. A plurality of preview images of the document is then captured, each of which has a lower image quality than a final image to be captured by the image capture device. Next, for each of the plurality of preview images, the system measures a parameter associated with the image capturing, and related to the ability to accurately extract text and other content from a captured preview image of the document. Next, the system selects a preview image among a subset of the captured preview images that passes the image quality measurement. When a predetermined condition is met, the system chooses the selected preview image as a final captured image of the document.
G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
G06Q 20/10 - Payment architectures specially adapted for electronic funds transfer [EFT] systemsPayment architectures specially adapted for home banking systems
Systems and methods for matching a received image with a template image are disclosed herein. Such systems and methods can advantageously enable an image captured by a mobile device (such as a smartphone or digital camera) to be correctly identified by the processing application. In some embodiments, the received image is first resized in one or both dimensions in order to match or approximately match the dimensions of a given template. The received image and template image can then be superimposed. Next, an optimal translative transformation value can be calculated in order to generate a confidence level for the current possible match. After confidence levels for each template are generated and recorded, the template with the highest confidence level can be selected as the best match for the received image.
Systems and methods for using a mobile device to submit an application for an insurance policy using images of documents captured by the mobile device are provided herein. The information is then used by an insurance company to generate a quote which is then displayed to the user on the mobile device. A user captures images of one or more documents containing information needed to complete an insurance application, after which the information on the documents is extracted and sent to the insurance company where a quote for the insurance policy can be developed. The quote can then be transmitted back to the user. Applications on the mobile device are configured to capture images of the documents needed for an insurance application, such as a driver's license, insurance information card or a vehicle identification number (VIN). The images are then processed to extract the information needed for the insurance application.
Systems and methods are provided for processing and extracting content from an image of a driver's license captured using a mobile device. In one embodiment, an image of a driver's license (DL) is captured by a mobile device and corrected to improve the quality of the image. The corrected image is then further processed by cropping the image, identifying the format and layout of the DL, binarizing the image and extracting the content using optical character recognition (OCR). Multiple methods of image cropping may be implemented to accurately assess the borders of the DL, and a secondary layout identification process may be performed to ensure that the content being extracted is properly classified.
Systems and methods are provided for processing an image of a financial payment document captured using a mobile device and classifying the type of payment document in order to extract the content therein. These methods may be implemented on a mobile device or a central server, and can be used to identify content on the payment document and determine whether the payment document is ready to be processed by a business or financial institution. The system can identify the type of payment document by identifying features on the payment document and performing a series of steps to determine probabilities that the payment document belongs to a specific document type. The identification steps are arranged starting with the fastest step in order to attempt to quickly determine the payment document type without requiring lengthy, extensive analysis.
G06K 9/18 - Methods or arrangements for reading or recognising printed or written characters or for recognising patterns, e.g. fingerprints using printed characters having additional code marks or containing code marks, e.g. the character being composed of individual strokes of different shape, each representing a different code value
Systems and methods are provided for assessing whether mobile deposit processing engines meet specified standards for mobile deposit of financial documents. A mobile deposit processing engine (MDE) is evaluated to determine if it can perform technical capabilities for improving the quality of and extracting content from an image of a financial document. A verification process then begins, where the MDE performs the image quality enhancements and text extraction steps on sets of images from a test deck. The results of the processing of the test deck are then evaluated by comparing confidence levels with thresholds to determine if each set of images should be accepted or rejected. Further analysis determines whether any of the sets of images were falsely accepted or rejected in error. An overall error rate is then compared with minimum accuracy criteria, and if the criteria are met, the MDE meets the standard for mobile deposit.
G06K 9/00 - Methods or arrangements for reading or recognising printed or written characters or for recognising patterns, e.g. fingerprints
G06K 9/18 - Methods or arrangements for reading or recognising printed or written characters or for recognising patterns, e.g. fingerprints using printed characters having additional code marks or containing code marks, e.g. the character being composed of individual strokes of different shape, each representing a different code value
G06K 9/03 - Detection or correction of errors, e.g. by rescanning the pattern
G06K 9/32 - Aligning or centering of the image pick-up or image-field
100.
Systems and methods for mobile automated clearing house enrollment
Systems and methods for mobile enrollment in automated clearing house (ACH) transactions using mobile-captured images of financial documents are provided. Applications running on a mobile device provide for the capture and processing of images of documents needed for enrollment in an ACH transaction, such as a blank check, remittance statement and driver's license. Data from the mobile-captured images that is needed for enrolling in ACH transactions is extracted from the processed images, such as a user's name, address, bank account number and bank routing number. The user can edit the extracted data, select the type of document that is being captured, authorize the creation of an ACH transaction and select an originator of the ACH transaction. The extracted data and originator information is transmitted to a remote server along with the user's authorization so the ACH transaction can be setup between the originator's and receiver's bank accounts.
G06Q 40/00 - FinanceInsuranceTax strategiesProcessing of corporate or income taxes
G06Q 20/10 - Payment architectures specially adapted for electronic funds transfer [EFT] systemsPayment architectures specially adapted for home banking systems
G06K 9/42 - Normalisation of the pattern dimensions
G06Q 20/02 - Payment architectures, schemes or protocols involving a neutral third party, e.g. certification authority, notary or trusted third party [TTP]
H04N 1/00 - Scanning, transmission or reproduction of documents or the like, e.g. facsimile transmissionDetails thereof
