US 12,450,708 B2
Dynamic transfer instrument image capture
Barath Jayaraman, Fort Mill, SC (US)
Assigned to TRUIST BANK, Charlotte, NC (US)
Filed by Truist Bank, Charlotte, NC (US)
Filed on Feb. 21, 2023, as Appl. No. 18/171,842.
Prior Publication US 2024/0281944 A1, Aug. 22, 2024
Int. Cl. G06T 7/00 (2017.01); G06T 7/13 (2017.01); G06V 10/82 (2022.01); G06V 30/19 (2022.01); G06V 30/22 (2022.01); G06N 3/0464 (2023.01); G06Q 20/04 (2012.01)
CPC G06T 7/0002 (2013.01) [G06T 7/13 (2017.01); G06V 10/82 (2022.01); G06V 30/19107 (2022.01); G06V 30/22 (2022.01); G06N 3/0464 (2023.01); G06Q 20/042 (2013.01); G06T 2207/20084 (2013.01); G06T 2207/30176 (2013.01)] 18 Claims
OG exemplary drawing
 
1. A system for electronic transfer instrument capture comprising a computer including at least one processor and a memory device storing data and executable code that, when executed, causes the at least one processor to:
(a) activate a camera, wherein:
(i) the camera captures a continuous stream of video data that comprises a series of sequential static images, and
(ii) the series of sequential static images comprise (A) a plurality of first side transfer instrument images that depicts a transfer instrument first side, and (B) a plurality of second side transfer instrument images that depicts a transfer instrument second side;
(b) evaluate the first side transfer instrument images by performing operations that
(i) detect edge boundaries for a transfer instrument first side,
(ii) convert the first side transfer instrument image to first side machine encoded content elements to identify typed text and handwritten text on the first side transfer instrument image,
(iii) convert groups of first side machine encoded content elements to first side extracted transfer data elements,
(iv) compare each first side extracted transfer data element to a database of first side expected transfer data elements,
(v) detect a sharpness value for the first side transfer instrument image,
(vi) compare the detected sharpness value against an image sharpness threshold, wherein when the detected sharpness value falls below the image sharpness threshold, the processor ceases evaluation of the first side transfer instrument image and commence evaluation of the next first side transfer instrument image in the sequence of sequential static images,
(vii) detect a signal-to-noise value for the first side transfer instrument image,
(viii) compare the detected signal-to-noise value against an image signal-to-noise threshold wherein when the detected signal-to-noise value falls below the image signal-to-noise threshold, the processor ceases evaluation of the first side transfer instrument image and commence evaluation of the next first side transfer instrument image in the sequence of sequential static images, and
(ix) wherein when, for a given first side transfer instrument image, the edge boundaries are detected and each first side expected transfer data element is matched to at least one first side extracted transfer data element, then (A) the given first side transfer instrument image is stored as an accepted first side transfer instrument image, and (B) the processor does not evaluate any further first side transfer instrument images;
(c) evaluate the second side transfer instrument images by performing operations that
(i) detect edge boundaries for a transfer instrument second side,
(ii) convert second side transfer instrument image to second side machine encoded content elements to identify typed text and handwritten text on the second side transfer instrument image,
(iii) convert groups of second side machine encoded content elements to second side extracted transfer data elements,
(iv) compare each second side extracted transfer data element to a database of second side expected transfer data elements,
(v) detect a sharpness value for the second side transfer instrument image,
(vi) compare the detected sharpness value against an image sharpness threshold, wherein when the detected sharpness value falls below the image sharpness threshold, the processor ceases evaluation of the second side transfer instrument image and commence evaluation of the next second side transfer instrument image in the sequence of sequential static images,
(vii) detect a signal-to-noise value for the second side transfer instrument image,
(viii) compare the detected signal-to-noise value against an image signal-to-noise threshold wherein when the detected signal-to-noise value falls below the image signal-to-noise threshold, the processor ceases evaluation of the second side transfer instrument image and commence evaluation of the next second side transfer instrument image in the sequence of sequential static images, and
(ix) wherein when, for a given second side transfer instrument image, the edge boundaries are detected and each second side expected transfer data element is matched to at least one second side extracted transfer data element, then (A) the given second side transfer instrument image is stored as an accepted second side transfer instrument image, and (B) the processor does not evaluate any further second side transfer instrument images; and
(d) create an electronic transfer instrument comprising the accepted first side transfer instrument image, the accepted second side transfer instrument image, and the first and second side extracted transfer data elements.