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US 11,328,267 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.
Claims20
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 a digital image of a negotiable instrument in an image memory;
- detect a type of the negotiable instrument in the digital image of a negotiable instrument;
- automatically select, based on the detected type, an initial signature window location process from a plurality of signature window location processes for locating a signature window in the digital image in which to search for pixels associated with a signature;
- apply the initial signature location process to the digital image;
- in response to a failure to locate the signature window with the initial signature location window process, automatically select a different signature window location process from the plurality of signature window location processes and apply the different signature window location process to the digital image;
- after successfully locating the signature window location:
- count a number of dark pixels in the determined signature window location of the digital image to generate a signature window pixel count;
- compare the signature window pixel count to a predetermined pixel count range;
- and
- determine a potential signature error when the signature window pixel count is outside the predetermined pixel count range.
10 more elements
A system for detecting a signature on a negotiable instrument, the system comprising:
- a processor in communication with a memory having processor executable instructions stored therein, wherein the processor is configured, when executing the processor-executable instructions, to:
- receive a digital image of a negotiable instrument and convert the digital image from a first digital image format to a second digital image format;
- detect a type of the negotiable instrument in the converted digital image of a negotiable instrument;
- automatically select, based on the detected type, an initial signature window location process from a plurality of signature window location processes for locating a signature window in the converted digital image in which to search for pixels associated with a signature;
- apply the initial signature location process to the converted digital image;
- in response to a failure to locate the signature window with the initial signature location window process, automatically select a different signature window location process from the plurality of signature window location processes and apply the different signature window location process to the converted digital image;
- after successfully locating the signature window location:
- count a number of dark pixels in the determined signature window location of the converted digital image to generate a signature window pixel count;
- compare the signature window pixel count to a pixel count range;
- and
- determine a potential signature error when the signature window pixel count is outside the pixel count range.
8 more elements
A processor-implemented method for detecting a signature, comprising:
- using a processor for:
- receiving a digital image of a negotiable instrument in an image memory;
- detecting a type of the negotiable instrument in the digital image of a negotiable instrument;
- automatically selecting, based on the detected type, an initial signature window location process from a plurality of signature window location processes for locating a signature window in the digital image in which to search for pixels associated with a signature;
- applying the initial signature location process to the digital image;
- in response to a failure to locate the signature window with the initial signature location window process, automatically selecting a different signature window location process from the plurality of signature window location processes and applying the different signature window location process to the digital image;
- after successfully locating the signature window location:
- counting a number of dark pixels in the determined signature window location of the digital image to generate a signature window pixel count;
- comparing the signature window pixel count to a predetermined pixel count range;
- and
- determining a potential signature error when the signature window pixel count is outside the predetermined pixel count range.
8 more elements
Dependencies are inferred from the claim text.