Check data lift for check date listing

US9378416B2 · kind B2 · utility

Assignee

• Bank of America Corporation · US

Inventors

• Michael Gerald Smith · Fort Mill, US
• Brian David Hanson · Charlotte, US
• Scott Andrew Johnson · Atlanta, US
• Saravana Kumar Govindarajan · Atlanta, US
• Michael Scott Hjellming · Cherryville, US
• Hyunmo Koo · Atlanta, US

Key dates

• Filing date: Oct 29, 2013
• Grant date: Jun 28, 2016
• Expiry date: Feb 4, 2034

Classification

• Technology area (CPC G): Physics
• CPC primary: G06V30/10
• WIPO field: Computer technology
• WIPO sector: Electrical engineering

Abstract

Embodiments of the invention relate to systems, methods, and computer program products for extracting check data and using the check data for determining a disposition of a check. The system, method, and computer program product are configured to: a) receive an image of a check; b) apply an optical character recognition process to at least a portion of the image of the check; c) convert one or more image portions of the at least a portion of the image to text based data based at least partially on the application; d) identify a date of the check based on the text based data obtained from the one or more image portions; e) compare the date of the check to one or more authorization parameters; and f) provide a disposition of the check based on the comparison of the date of the check to the one or more authorization parameters.