Methods of processing a check in a check stock verification system
View Patent ↗A method is provided of a bank processing a check in a check stock verification system. The method comprises receiving a check image having at least one pre-printed element, extracting the at least one pre-printed element from the check image, comparing the extracted pre-printed element with a reference pre-printed element, providing a confidence value based upon the comparison of the extracted pre-printed element with the reference pre-printed element, selecting one of a plurality of confidence threshold values based upon amount of the check, and comparing the confidence value with the selected confidence threshold value to determine if payment of the check amount is approved.
1. A method of a bank processing a presented check in a check stock verification system, the method comprising:
retrieving an image of the presented check;
extracting a pre-printed element from the presented check image;
retrieving a reference check image;
extracting a pre-printed element from the reference check image;
obtaining a check amount associated with the presented check;
comparing the extracted pre-printed element from the presented check with the extracted pre-printed element from the reference check image;
providing a confidence value based upon the comparison of the pre-printed element extracted from the presented check image with the pre-printed element extracted from the reference check image;
selecting a first confidence threshold value if the presented check amount is below a first predetermined amount;
selecting a second confidence threshold value which is different from the first confidence threshold value if the presented check amount is above a second predetermined amount;
comparing the confidence value with the selected confidence threshold value;
determining if payment of the presented check amount is approved based upon the comparison of the confidence value with the selected confidence threshold value.
2. A method according to claim 1 , further comprising:
alerting a bank operator for manual review of the presented check if a determination is made that the payment of the check amount is not approved.
3. A method according to claim 1 , wherein the first predetermined amount is less than the second predetermined amount.
4. A method according to claim 1 , wherein the first predetermined amount and the second predetermined amount are the same.
5. A method according to claim 1 , further comprising:
selecting a third confidence threshold value if the presented check amount is between the first predetermined amount and the second predetermined amount.
6. A method according to claim 1 , wherein the presented check comprises a check which is an on-us check received from a customer of the bank.
7. A method according to claim 1 , wherein the presented check comprises a check which is an in-clearing check received from another bank.
8. A method of a bank processing an on-us check, the method comprising:
receiving the on-us check from a bank customer;
scanning the on-us check to provide an image of the on-us check;
extracting a pre-printed element from the on-us check image;
retrieving a reference check image;
extracting a pre-printed element from the reference check image;
obtaining a check amount associated with the on-us check;
comparing the pre-printed element extracted from the on-us check image with the pre-printed element extracted from the reference check image;
providing a confidence value based upon the comparison of the extracted pre-printed elements;
selecting one of a plurality of confidence threshold values based upon the check amount;
comparing the confidence value with the selected confidence threshold value; and
determining if payment of the check amount is approved based upon the comparison of the confidence value with the selected confidence threshold value.
9. A method according to claim 8 , wherein the on-us check is presented to a bank operator for manual review of the check when payment of the check amount is not approved.