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US 10,713,629 B1Granted
Systems and methods for digital signature detection
AssigneeUnited Services Automobile Association (USAA)
InventorReynaldo Medina, III
Life of this patent
Estimating the term…
Abstract
A system, method and computer-readable medium are provided to enable digital bank endorsement. A digital image of a back side of a check may be placed in a computer memory. Appropriate coordinates for a bank endorsement may be determined. A bank endorsement may be automatically generated. The digital image may then be electronically altered by overlaying, merging, or rendering text of the generated bank endorsement. A modified digital image may be combined with an image of the front side of the check and stored and/or exported to check clearing operations.
Claims19
A processor-implemented method for detecting a signature, comprising:
- using a processor for:
- receiving an image of a negotiable instrument in an image memory;
- converting the negotiable instrument image from a first digital image format to a second digital image format;
- detecting a type of the negotiable instrument in the second digital image format, wherein detecting the type of the negotiable instrument comprises:
- determining whether the negotiable instrument image is a business check image or a personal check image;
- in response to determining that the negotiable instrument image is a business check image, accessing a business check image minimum pixel count threshold;
- and
- in response to determining that the negotiable instrument image is a personal check image, accessing a personal check image minimum pixel count threshold, wherein the business check image minimum pixel count threshold is different from the personal check image minimum pixel count threshold;
- selecting a signature window location technique to apply to the negotiable instrument image based on the detected type of the negotiable instrument;
- determining a signature window location using the selected signature window location technique;
- counting a number of dark pixels in the determined signature window location in the negotiable instrument image to generate a signature window pixel count;
- comparing the signature window pixel count to a minimum pixel count threshold for the detected type of negotiable instrument;
- and
- determining a potential signature error when the signature window pixel count is less than the minimum pixel count threshold for the detected type of negotiable instrument.
11 more elements
A processor-implemented method for detecting a signature, comprising:
- using a processor for:
- receiving an image of a negotiable instrument in an image memory;
- converting the negotiable instrument image from a first digital image format to a second digital image format;
- detecting a type of the negotiable instrument in the second digital image format;
- selecting a signature window location technique to apply to the negotiable instrument image based on the detected type of the negotiable instrument;
- determining a signature window location using the selected signature window location technique;
- counting a number of dark pixels in the determined signature window location to generate a signature window pixel count;
- comparing the signature window pixel count to a pixel count threshold range;
- determining a potential signature error when the signature window pixel count is outside the pixel count threshold range;
- and
- wherein comparing the signature window pixel count to the pixel count threshold range comprises dynamically determining a maximum pixel count threshold by:
- sampling pixel counts from multiple areas in the negotiable instrument image;
- determining, from amongst the multiple areas sampled, a highest pixel count and a lowest pixel count;
- averaging the highest pixel count and the lowest pixel count to generate an average pixel count;
- and
- selecting the maximum pixel count threshold to be between the highest pixel count and the average pixel count.
13 more elements
A system for detecting a signature on a negotiable instrument, the system comprising:
- a memory including processor-executable instructions;
- and
- a processor in communication with the memory and configured, when executing the processor-executable instructions, to:
- receive an image of a negotiable instrument in an image memory;
- convert the negotiable instrument image from a first digital image format to a second digital image format;
- detect a type of the negotiable instrument in the second digital image format, wherein to detect the type of the negotiable instrument the processor is configured to:
- determine whether the negotiable instrument image is a business check image or a personal check image;
- in response to determining that the negotiable instrument image is a business check image, access a business check image minimum pixel count threshold;
- and
- in response to determining that the negotiable instrument image is a personal check image, access a personal check image minimum pixel count threshold, wherein the business check image minimum pixel count threshold is different from the personal check image minimum pixel count threshold;
- select a signature window location technique to apply to the negotiable instrument image based on the detected type of the negotiable instrument;
- determine a signature window location using the selected signature window location technique;
- count a number of dark pixels in the determined signature window location to generate a signature window pixel count;
- compare the signature window pixel count to a minimum pixel count threshold for the detected type of the negotiable instrument;
- and
- determine a potential signature error when the signature window pixel count is less than the minimum pixel count threshold for the detected type of negotiable instrument.
13 more elements
Dependencies are inferred from the claim text.