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AssigneeBank of America Corporation
InventorsGeoffrey R. Williams, Timmy L. Gauvin, Eric S. Sandoz, Kerry M. Cantley, Leslie M. LaRock, James F. Barrett, II, James G. Ronca, Deborah N. Bennett, Joshua A. Beaudry
Estimating the term…
Apparatus, methods and media for deriving a transaction record based on handwritten check content. The apparatus may include, and the methods and media may involve, a receiver device that is configured to receive a check image. The apparatus may include, and the methods and media may involve, a processor device. The processor device may be configured to define a check segment within the check image; translate content from the segment from handwriting to estimated block text; and store the block text in a transaction record in machine readable memory. The apparatus may include, and the methods and media may involve, a transmitter that is configured to transmit the block text to a financial institution product engine.
Apparatus for processing a transaction record based on handwritten check content, wherein each check is associated with a separate transaction record and each transaction record comprises a plurality of fields corresponding to content of one of a plurality of segments on the face of the check, the apparatus comprising:
A method for processing a transaction record based on handwritten check content, wherein each check is associated with a separate transaction record and each transaction record comprises a plurality of fields corresponding to the content of one of a plurality of segments on the face of the check, the method comprising:
Dependencies are inferred from the claim text.
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Selective acquisition, locating or processing of specific regions, e.g. highlighted text, fiducial marks or predetermined fields: based on…
Payment circuits: characterized in that the payment protocol involves at least one cheque
Characterised by the type of writing: of cursive writing
Analysis of document content: layout analysis of documents structured with printed lines or input boxes, e.g. business forms or tables
About 6 years 7 months of term left · ends 22 May 2033 (estimated)
This application relates to providing transaction records. More specifically, the application relates to estimating transaction information based on handwritten check content.
Financial institutions require knowledge of transaction information for record keeping, reporting and analysis. Although transactions are increasingly executed online and using transaction cards, checks continue to be used for executing transactions. While online transactions and transactions based on transaction cards are executed based largely on digital transaction data, checks are based on handwritten data. The handwritten transaction data require processing before they can be used advantageously in digital data products and analysis.
It would therefore be desirable to provide apparatus and methods for deriving a transaction record based on handwritten check content.
The objects and advantages of the invention will be apparent upon consideration of the following detailed description, taken in conjunction with the accompanying drawings, in which like reference characters refer to like parts throughout, and in which:
FIG. 1 shows illustrative information in accordance with the principles of the invention;
FIG. 2 shows an illustrative source of information that may be used in accordance with the principles of the invention;
Apparatus, methods and media for deriving a transaction record based on handwritten check content are provided. The apparatus may include, and the methods and media may involve, a receiver device that is configured to receive a check image. The apparatus may include, and the methods and media may involve, a processor device. The processor device may be configured to define a check segment within the check image; translate content from the segment from handwriting to estimated block text; and store the block text in a transaction record in machine readable memory. The segment content also may be stored in the transaction record. The apparatus may include, and the methods and media may involve, a transmitter that is configured to transmit the block text to a financial institution product engine.
The transaction record may be one of a plurality of transaction records. The processor may be configured to sort the transaction records by customer account, customer name or any other field of the transaction record. The customer or customers may be provided with access to view some or all of the transaction record fields.
For example, when a check memo or “comment” field is part of the transaction record, the customer may use the comment field may be used to sort the transaction records.