Systems and methods for payee identification via camera

Patent metadata

Field	Value
Publication number	US-12505481-B2
Application number	US-202418751927-A
Country	US
Kind code	B2
Filing date	Jun 24, 2024
Priority date	Jun 10, 2014
Publication date	Dec 23, 2025
Grant date	Dec 23, 2025

Abstract

A provider computing system associated with a provider institution includes a network interface configured to communicate data over a network, and a processing circuit. The processing circuit is configured to receive, by the network interface, image data from a user computing device associated with a user, the image data pertaining to a bill of a user issued by a payee, scan the user computing device for tokens, transform the image data from a non-standardized format into computer-readable data, extract a data structure from the computer-readable data based on identified data from the bill of the user, identify the payee from the payee database based on determining a match level meets a threshold, and add the payee to an account of the user to enable authorization of a payment to the payee via the user computing device.

First claim

What is claimed is:

1 . A provider computing system associated with a provider institution, the provider computing system comprising:
a network interface configured to communicate data over a network; and a processing circuit including a processor and a memory, wherein the memory is structured to store instructions that when executed cause the processing circuit to: receive, by the network interface, image data from a user computing device associated with a user, the image data pertaining to a bill of the user issued by a payee in a non-standardized format; scan the user computing device for tokens, wherein the tokens include information relating to service providers of the user; transform the image data in the non-standardized format into computer-readable data; extract a data structure from the computer-readable data based on identified data from the bill of the user, wherein the identified data includes at least one of text or a logo; identify the payee from a payee database based on determining a match level meets a threshold, wherein the match level is based on comparing the data structure and the scanned tokens to information regarding the payee from the payee database, a percentage of matching characters between the data structure and text or an image associated with the payee, and the scanned tokens including a token associated with the payee; and add, in response to identifying the payee, the payee to an account of the user to enable authorization of a payment to the payee via the user computing device.

2 . The provider computing system of claim 1 , wherein the instructions when executed further cause the processing circuit to determine that the payee database includes multiple entries including text that fuzzy matches the data structure.

3 . The provider computing system of claim 2 , wherein the instructions when executed further cause the processing circuit to:
identify the payee from the multiple entries based on the scanned tokens.

4 . The provider computing system of claim 3 , wherein determining that there are multiple entries in the payee database including the text that fuzzy matches the data structure is based on the image data including a misrecognition of at least one of a character or a data image cut off matching at least one of a block of text, a keyword, or a logo.

5 . The provider computing system of claim 1 , wherein the instructions when executed further cause the processing circuit to:
determine that there is an inexact match between the data structure and text of an entry in the payee database; and compare, in response to determining that there is the inexact match between the data structure and the text of the entry, a percentage of characters in the data structure matching characters in the text of the entry to a threshold value.

6 . The provider computing system of claim 1 , wherein the data structure is a first data structure, and wherein the instructions when executed further cause the processing circuit to:
determine that there are multiple entries in the payee database including text that matches the data structure; and in response to determining that there are multiple entries in the payee database including text that matches the data structure:
extract a second data structure of computer-readable data from the image data;
associate a second payee identification parameter with the second data structure; and
identify, based on the second payee identification parameter, the second data structure as being associated with the payee.

7 . The provider computing system of claim 1 , wherein the payee database is maintained in association with the provider computing system.

8 . A computer-implemented method comprising:
receiving, by a provider computing system associated with a provider institution, image data from a user computing device associated with a user, the image data pertaining to a bill of the user issued by a payee in a non-standardized format; scanning, by the provider computing system, the user computing device for tokens, wherein the tokens include information relating to service providers of the user; transforming, by the provider computing system, the image data in the non-standardized format into computer-readable data; extracting, by the provider computing system, a data structure from the computer-readable data based on identified data from the bill of the user, wherein the identified data includes at least one of text or a logo; identifying, by the provider computing system, the payee from a payee database based on determining a match level meets a threshold, wherein the match level is based on comparing the data structure and the scanned tokens to information regarding the payee from the payee database, a percentage of matching characters between the data structure and text or an image associated with the payee, and the scanned tokens including a token associated with the payee; and adding, by the provider computing system and in response to identifying the payee, the payee to an account of the user to enable authorization of a payment to the payee via the user computing device.

9 . The computer-implemented method of claim 8 , further comprising:
determining that the payee database includes multiple entries including text that fuzzy matches the data structure.

10 . The computer-implemented method of claim 9 , further comprising:
identifying the payee from the multiple entries based on the scanned tokens.

11 . The computer-implemented method of claim 10 , wherein determining that there are multiple entries in the payee database including the text that fuzzy matches the data structure is based on the image data including a misrecognition of at least one of a character or a data image cut off matching at least one of a block of text, a keyword, or a logo.

12 . The computer-implemented method of claim 8 , further comprising:
determining that there is an inexact match between the data structure and text of an entry in the payee database; and comparing, in response to determining that there is the inexact match between the data structure and the text of the entry, a percentage of characters in the data structure matching characters in the text of the entry to a threshold value.

13 . The computer-implemented method of claim 8 , wherein the data structure is a first data structure, and the computer-implemented method further comprising:
determining that there are multiple entries in the payee database including text that matches the data structure; and in response to determining that there are multiple entries in the payee database including text that matches the data structure:
extracting a second data structure of computer-readable data from the image data;
associating a second payee identification parameter with the second data structure; and
identifying, based on the second payee identification parameter, the second data structure as being associated with the payee.

14 . The computer-implemented method of claim 8 , wherein the payee database is maintained in association with the provider computing system.

15 . A non-transitory computer-readable medium having computer-executable instructions embodied therein that, when executed by at least one processor of a computing system cause the computing system to perform operations, the operations comprising:
receiving image data from a user computing device associated with a user, the image data pertaining to a bill of the user issued by a payee in a non-standardized format; scanning the user computing device for tokens, wherein the tokens include informatio

Assignees

• Wells Fargo Bank Na

Inventors

• Hecht Al

Classifications

• G06V30/413

  Classification of content, e.g. text, photographs or tables · CPC title

• G06V30/10

  Character recognition · CPC title

• G06V30/224

  of printed characters having additional code marks or containing code marks · CPC title

• G06Q20/14

  specially adapted for billing systems · CPC title

• G06Q20/4014

  Identity check for transactions · CPC title