Element level presentation of elements of a payment instrument for exceptions processing

Patent metadata

Field	Value
Publication number	US-10049350-B2
Application number	US-201514750408-A
Country	US
Kind code	B2
Filing date	Jun 25, 2015
Priority date	Jun 25, 2015
Publication date	Aug 14, 2018
Grant date	Aug 14, 2018

Abstract

Disclosed are systems, methods, and computer program products that provide for element level presentation of elements of a payment instrument for exceptions processing. More specifically, the invention involves identifying an exception element from an image of a financial document, determining the location of the exception element based on its coordinates within the image of the financial document, and providing a zoomed-in view of the exception element to the user along with information and resources to allow a user to conveniently conduct accurate analysis of the exception element. The system then receives a correct element from the user to replace the exception element, and then processes the financial document using the replaced correct element instead of the exception element.

First claim

What is claimed is:

1. A system for element level presentation of elements of a payment instrument for exceptions processing is provided, said system comprising:
a computing platform comprising one or more processing devices and executable software code stored in one or more electronic storage devices, wherein the executable software code is configured to cause the one or more processing devices to:
receive an image of a financial document;
lift financial data off of the financial document using optical character recognition;
store the financial data as information related to the financial document;
identify an exception element in financial document processing, wherein the exception element is not discernible by the system, and wherein the system cannot process the information related to the financial document with the exception element;
determine coordinates of the exception element within the image of the financial document;
cause a user interface of the computing platform to display a first section comprising a zoomed-in view of the exception element at the coordinates of the exception element within the image of the financial document and a second section comprising a full view of the image of the financial document, wherein the user interface of the computing platform comprises:
a display comprising (1) a brightness control that, when adjusted by a user, manipulates a brightness of the first section of the user interface but does not affect a brightness of the second section of the user interface, and (2) a contrast control that, when adjusted by the user, manipulates a contrast of the first section of the user interface, but does not affect a contrast of the second section of the user interface,
a navigation mechanism, and
a user input mechanism comprising selectable icons associated with one or more possible correct elements, wherein a confidence level for each of the one or more possible correct elements is displayed along with the selectable icons associated with the one or more possible correct elements;

cause the user interface of the computing platform to display a prompt to the user to select a correct element from the selectable icons associated with the one or more possible correct elements, wherein the correct element is an element intended by a creator of the exception element;
receive the user selection of the correct element;
replace the exception element with the selected correct element, wherein replacing the exception element converts the information related to the financial document into a format that can be processed by the system; and
process the financial document based on the information related to the financial document and the selected correct element.

2. The system of claim 1 , wherein the navigation mechanism is configured for further manipulating an amount of zoom, relative to the exception element.

3. A computer implemented method for element level presentation of elements of a payment instrument for exceptions processing is provided, said computer implemented method comprising:
receiving, via a processing device, an image of a financial document;
lifting, via a processing device, financial data off of the financial document using optical character recognition;
storing, via a processing device, the financial data as information related to the financial document;
identifying, via a processing device, an exception element in financial document processing, wherein the exception element is not discernible by the system, and wherein the system cannot process the information related to the financial document with the exception element;
determining, via a processing device, coordinates of the exception element within the image of the financial document;
displaying, via a user interface of a computing platform, a first section comprising a zoomed-in view of the exception element at the coordinates of the exception element within the image of the financial document and a second section comprising a full view of the image of the financial document, wherein the user interface of the computing platform comprises:
a display comprising (1) a brightness control that, when adjusted by a user manipulates a brightness of the first section of the user interface but does not affect a brightness of the second section of the user interface, and (2) a contrast control that, when adjusted by the user, manipulates a contrast of the first section of the user interface, but does not affect a contrast of the second section of the user interface,
a navigation mechanism, and
a user input mechanism comprising selectable icons associated with one or more possible correct elements, wherein a confidence level for each of the one or more possible correct elements is displayed along with the selectable icons associated with the one or more possible correct elements;

causing, via a processing device, the user interface of the computing platform to display a prompt to the user to select a correct element from the selectable icons associated with the one or more possible correct elements, wherein the correct element is an element intended by a creator of the exception element;
receiving, via the user interface, the exception element with the selected correct element, wherein replacing the exception element converts the information related to the financial document into a format that can be processed by the system; and
processing, via a processing device, the financial document based on the information related to the financial document and the selected correct element.

4. The computer implemented method of claim 3 , wherein the navigation mechanism is configured for further manipulating an amount of zoom, relative to the exception element.

5. A computer program product for element level presentation of elements of a payment instrument for exceptions processing is provided, the computer program product comprising a non-transitory computer readable medium comprising computer readable instructions, the instructions comprising instructions for:
receiving an image of a financial document;
lifting financial data off of the financial document using optical character recognition;
storing the financial data as information related to the financial document;
identifying an exception element in financial document processing, wherein the exception element is not discernible by the system, and wherein the system cannot process the information related to the financial document with the exception element;
determining coordinates of the exception element within the image of the financial document;
causing a user interface of a computing platform to display a first section comprising a zoomed-in view of the exception element at the coordinates of the exception element within the image of the financial document and a second section comprising a full view of the image of the financial document, wherein the user interface of the computing platform comprises:
a display comprising (1) a brightness control that, when adjusted by a user, manipulates a brightness of the first section of the user interface but does not affect a brightness of the second section of the user interface, and (2) a contrast control that, when adjusted by the user, manipulates a contrast of the first section of the user interface, but does not affect a contrast of the second section of the user interface,
a navigation mechanism, and
a user input mechanism comprising selectable icons associated with one or more possible correct elements, wherein a confidence level for each of the one or more possible correct elements is displayed along with the selectable icons associated with the one or more possible correct elements;

causing the user interface of the computing platform to display a prompt to the user to select a correct element from

Assignees

• Bank Of America

Inventors

• Smith Michael Gerald
• Dryer Eric
• Beaudry Joshua Allen
• Barrett Ii James F
• Gunsolley Shawn Cart
• Wisser Michael Matthew
• Bastnagel Andrew Patrick
• Thompson Marshall Bright

Classifications

• G06T3/40 Primary

  Scaling of whole images or parts thereof, e.g. expanding or contracting · CPC title

• G06Q20/102 Primary

  Bill distribution or payments · CPC title

• G06Q20/042

  characterized in that the payment protocol involves at least one cheque · CPC title

• G06F16/51

  Indexing; Data structures therefor; Storage structures · CPC title

• G06Q20/405

  Establishing or using transaction specific rules · CPC title