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

Patent metadata

Field	Value
Publication number	US-2016379190-A1
Application number	US-201514750408-A
Country	US
Kind code	A1
Filing date	Jun 25, 2015
Priority date	Jun 25, 2015
Publication date	Dec 29, 2016
Grant date	—

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 the coordinates of the exception element within the image of the financial document;
provide a zoomed-in view of the financial document to a user at the determined coordinates;
prompt the user to select a correct element, 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 executable software code is further configured to cause the one or more processing devices to provide a user interface to the user, wherein the user interface includes a display, a navigation mechanism, and a user input mechanism.

3 . The system of claim 2 , wherein the user input mechanism comprises a touchscreen, and wherein the touchscreen includes selectable icons associated with one or more possible correct elements.

4 . The system of claim 3 , wherein the selectable icons are positioned at least as far apart as a human fingertip.

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

6 . The system of claim 2 , wherein the display comprises:
a first section comprising the zoomed-in view of the exception element; and a second section comprising a full view of the image of the financial document.

7 . The system of claim 6 , wherein the display comprises:
a brightness control, wherein the brightness control manipulates the brightness of the first section of the display but does not affect the brightness of the second section of the display; and a contrast control, wherein the contrast control manipulates the contrast of the first section of the display, but does not affect the contrast of the second section of the display.

8 . 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, the coordinates of the exception element within the image of the financial document; providing, via a user interface, a zoomed-in view of the financial document to a user at the determined coordinates; prompting, via a processing device, the user to select a correct element, 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.

9 . The computer implemented method of claim 8 , further comprising providing, via the user interface, a display, a navigation mechanism, and a user input mechanism.

10 . The computer implemented method of claim 9 , wherein the user input mechanism comprises a touchscreen, and wherein the touchscreen includes selectable icons associated with one or more possible elements.

11 . The computer implemented method of claim 10 , wherein the selectable icons are positioned at least as far apart as a human fingertip.

12 . The computer implemented method of claim 9 , wherein the navigation mechanism is configured for further manipulating the amount of zoom, relative to the exception element.

13 . The computer implemented method of claim 9 , wherein the display comprises:
a first section comprising the zoomed-in view of the exception element; and a second section comprising a full view of the image of the financial document.

14 . The computer implemented method of claim 13 , wherein the display further comprises:
a brightness control, wherein the brightness control manipulates the brightness of the first section of the display but does not affect the brightness of the second section of the display; and a contrast control, wherein the contrast control manipulates the contrast of the first section of the display, but does not affect the contrast of the second section of the display.

15 . 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 the coordinates of the exception element within the image of the financial document; providing a zoomed-in view of the financial document to a user at the determined coordinates; prompting the user to select a correct element, wherein the correct element is an element intended by the creator of the exception element; receiving the user selection of the correct element; replacing 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 the financial document based on the information related to the financial document and the selected correct element.

16 . The computer program product of claim 15 , further comprising providing a user interface to the user, wherein the user interface includes a display, a navig

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

• G06Q20/405

  Establishing or using transaction specific rules · CPC title

• G06F16/51

  Indexing; Data structures therefor; Storage structures · CPC title

• G06Q20/042

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