Comparing extracted card data using continuous scanning

Patent metadata

Field	Value
Publication number	US-9390419-B2
Application number	US-201414447072-A
Country	US
Kind code	B2
Filing date	Jul 30, 2014
Priority date	Jun 28, 2013
Publication date	Jul 12, 2016
Grant date	Jul 12, 2016

Abstract

Comparing extracted card data from a continuous scan comprises receiving, by one or more computing devices, a digital scan of a card; obtaining a plurality of images of the card from the digital scan of the physical card; performing an optical character recognition algorithm on each of the plurality of images; comparing results of the application of the optical character recognition algorithm for each of the plurality of images; determining if a configured threshold of the results for each of the plurality of images match each other; and verifying the results when the results for each of the plurality of images match each other. Threshold confidence level for the extracted card data can be employed to determine the accuracy of the extraction. Data is further extracted from blended images and three-dimensional models of the card. Embossed text and holograms in the images may be used to prevent fraud.

First claim

What is claimed is:

1. A computer-implemented method to verify extracted card data, comprising:
obtaining, by one or more computing devices, a plurality of images of a card from a digital scan of the card;
performing, by the one or more computing devices, an optical character recognition algorithm on each of the plurality of images;
configuring, by the one or more computing devices, a threshold number of results of the performance of the optical character recognition algorithm on each of the plurality of images that must match to verify the results;
determining, by the one or more computing devices, if the configured threshold number of results for each of the plurality of images match each other based on a comparison of the results of the performance of the optical character recognition algorithm on each of the plurality of images; and
verifying, by the one or more computing devices, the results as card data when at least the configured threshold number of results for each of the plurality of images match each other is reached.

2. The method of claim 1 , further comprising:
accessing, by the one or more computing devices, at least one additional digital image of the card when the one or more computing devices determines that at least the configured threshold number of results for each of the plurality of images match each other is not reached;
performing, by the one or more computing devices, the optical character recognition algorithm on each additional image of the card; and
including, by the one or more computing devices, the results of the application of the optical character recognition algorithm to each additional image in the comparing and determining steps.

3. The method of claim 2 , wherein the at least one additional image is accessed from the obtained images.

4. The method of claim 2 , wherein the at least one additional image is obtained via a second scan of the card.

5. The method of claim 1 , wherein the results are determined to match when a percentage of matching digits meets or exceeds the configured threshold.

6. The method of claim 1 , wherein the digital scan is received from a camera.

7. The method of claim 1 , wherein the digital scan comprises a video or a plurality of still images.

8. The method of claim 1 , wherein the card is a credit card, a debit card, an identification card, a loyalty card, an access card, or a stored value card.

9. A computer program product, comprising:
a non-transitory computer-readable storage device having computer-executable program instructions embodied thereon that when executed by a computer cause the computer to verify extracted card data, comprising:
computer-executable program instructions to obtain a plurality of images of a card from a digital scan of the card;
computer-executable program instructions to perform an optical character recognition algorithm on each of the plurality of images;
computer-executable program instructions to configure a threshold number of results of the performance of the optical character recognition algorithm on each of the plurality of images that must match to verify the results;
computer-executable program instructions to determine if the configured threshold of results for each of the plurality of images match each other based on a comparison of the results of the performance of the optical character recognition algorithm on each of the plurality of images; and
computer-executable program instructions to verify the results as card data when at least the configured threshold number of results for each of the plurality of images match each other is reached.

10. The computer program product of claim 9 , the computer program further comprising:
computer-executable program instructions to access at least one additional digital image of the card when the one or more computing devices determines that at least the configured threshold number of results for each of the plurality of images match each other is not reached;
computer-executable program instructions to perform the optical character recognition algorithm on each additional image of the card; and
computer-executable program instructions to include the results of the application of the optical character recognition algorithm to each additional image in the comparing and determining steps.

11. The computer program product of claim 9 , wherein the at least one additional image is accessed from the obtained images.

12. The computer program product of claim 9 , wherein the at least one additional image is obtained via a second scan of the card.

13. The computer program product of claim 9 , wherein the results are determined to match when a percentage of matching digits meets or exceeds the configured threshold.

14. The computer program product of claim 9 , wherein the digital scan is received from a camera.

15. The computer program product of claim 9 , wherein the digital scan comprises a video or a plurality of still images.

16. A system to verify extracted card data, comprising:
a storage resource;
a processor communicatively coupled to the storage resource, wherein the processor is configured to execute computer-readable instructions that are stored in the storage resource and to the system to:
obtain a plurality of images of a card from a digital scan of the card;
perform an optical character recognition algorithm on each of the plurality of images;
configure a threshold number of results of the performance of the optical character recognition algorithm on each of the plurality of images that must match to verify the results;
determine if the configured threshold of results for each of the plurality of images match each other based on a comparison of the results of the performance of the optical character recognition algorithm on each of the plurality of images; and
verify the results as card data when at least the configured threshold number of results for each of the plurality of images match each other is reached.

17. The system of claim 16 , the computer-readable instructions being configured to further cause the system to:
access at least one additional digital image of the card when the one or more computing devices determines that at least the configured threshold number of results for each of the plurality of images match each other is not reached;
perform the optical character recognition algorithm on each additional image of the card; and
include the results of the application of the optical character recognition algorithm to each additional image in the comparing and determining steps.

18. The system of claim 17 , wherein the at least one additional image is accessed from the obtained images.

19. The system of claim 16 , wherein the results are determined to match when a percentage of matching digits meets or exceeds the configured threshold.

20. The system of claim 16 , wherein the card is a credit card, a debit card, an identification card, a loyalty card, an access card, or a stored value card.

Assignees

• Google Inc

Inventors

• Kumar Sanjiv
• Rowley Henry Allan
• Wang Xiaohang
• Okshtein Yakov
• Shamsi Farhan
• Bissacco Alessandro

Classifications

• G06F18/22

  Matching criteria, e.g. proximity measures · CPC title

• G06V20/64 Primary

  Three-dimensional [3D] objects · CPC title

• G06Q20/327

  Short range or proximity payments by means of M-devices · CPC title

• G06Q20/34

  using cards, e.g. integrated circuit [IC] cards or magnetic cards · CPC title

• G06Q20/4016 Primary

  involving fraud or risk level assessment in transaction processing · CPC title