Granted Patent B1

US 12,400,257 · App. 17/683,664 · Granted Aug 26, 2025

Inventors: Seth E. Ethington (San Antonio, TX); Aaron Kay (North Logan, UT); Adam S. Newman (San Antonio, TX); Lawrence Z. Lu (San Antonio, TX); Dylan Patterson (San Antonio, TX)

Assignee: United Services Automobile Association (USAA)

G06Q40/02G06Q20/042G06Q20/0425G06Q20/1085G06T5/40G06T7/11G06T7/12G06V10/10G06V10/20G06V10/443G06V10/50G06V20/63G06V30/416H04N1/40012H04N23/00G06T2207/20132

Abstract

Claims (44)

1. A financial instrument deposit method, implemented in a server having a processor and a memory in communication with the processor, the method comprising:

in the processor:

receiving image data generated by an imaging source of a user device, wherein the image data comprises an image of a financial instrument;

analyzing the image of the financial instrument to determine an image source type, wherein the image source type is one of a scanner, a digital camera, a cellular phone camera, a video camera, a webcam, or a mobile device camera;

selecting one of a plurality of hierarchical image quality assessment procedures stored in the memory based on the determined image source type;

performing the selected hierarchical image quality assessment procedure on the image; and

when the selected hierarchical image quality assessment procedure is successfully completed, processing the financial instrument image for deposit;

wherein performing the selected hierarchical image quality assessment procedure comprises:

analyzing the image of the financial instrument to calculate a plurality of image quality scores corresponding to a plurality of image quality factors; and

comparing the plurality of image quality scores to a plurality of corresponding threshold values;

wherein image quality scores of the plurality of image quality scores are calculated in a sequential fashion and the selected hierarchical image quality assessment procedure is terminated when a particular image quality score fails to meet a particular corresponding threshold value.

2. The financial instrument deposit method of claim 1 , wherein a first threshold value corresponding to a first image quality score is conditional on a second image quality score corresponding to a second image quality factor.

3. The financial instrument deposit method of claim 1 , wherein one or more corresponding threshold values of the plurality of corresponding threshold values is determined based on threshold values obtained from previously processed financial instrument images.

4. The financial instrument deposit method of claim 1 , wherein the plurality of image quality factors comprises two or more of an aspect ratio, a contrast ratio, a MICR readability, an endorsement detection, a skew, or a blur.

5. The financial instrument deposit method of claim 1 , wherein analyzing the image of the financial instrument to determine the image source type comprises obtaining metadata associated with the image of the financial instrument.

6. The financial instrument deposit method of claim 1 , wherein a default hierarchical image quality assessment is selected when the image source type cannot be determined.

7. A financial instrument deposit device, comprising:

a memory;

a processor, in communication with the memory, configured to execute a plurality of processing instructions stored in the memory to:

receive image data generated by an imaging source of a user device, wherein the image data comprises an image of a financial instrument;

analyze the image of the financial instrument to determine an image source type, wherein the image source type is one of a scanner, a digital camera, a cellular phone camera, a video camera, a webcam, or a mobile device camera;

select one of a plurality of hierarchical image quality assessment procedures stored in the memory based on the determined image source type;

perform the selected hierarchical image quality assessment procedure on the image; and

when the selected hierarchical image quality assessment procedure is successfully completed, process the financial instrument image for deposit;

wherein the processor is further configured to:

analyze the image of the financial instrument to calculate a plurality of image quality scores corresponding to a plurality of image quality factors; and

compare the plurality of image quality scores to a plurality of corresponding threshold values;

wherein the image quality scores of the plurality of image quality scores are calculated in a sequential fashion and the selected hierarchical image quality assessment procedure is terminated when a particular image quality score fails to meet a particular corresponding threshold value.

8. The financial instrument deposit device of claim 7 , wherein the processor is configured to execute instructions to determine one or more of the plurality of corresponding threshold values based on threshold values obtained from previously processed financial instrument images.

9. The financial instrument deposit method of claim 7 , wherein the plurality of image quality factors comprise two or more of an aspect ratio, a contrast ratio, a MICR readability, an endorsement detection, a skew, or a blur.

10. The financial instrument deposit device of claim 7 , wherein the processor is configured to analyze the image of the financial instrument to obtain metadata associated with the image of the financial instrument.

11. The financial instrument deposit device of claim 7 , wherein the processor is configured to select a default hierarchical image quality assessment when the image source type cannot be determined.

12. The financial instrument deposit device of claim 7 , wherein a first threshold value corresponding to a first image quality score is conditional on a second image quality score corresponding to a second image quality factor.

13. A non-transitory computer-readable medium storing a plurality of processing instructions, the processing instructions configured to cause a processor to:

receive image data generated by an imaging source of a user device, wherein the image data comprises an image of a financial instrument;

analyze the image of the financial instrument to determine an image source type, wherein the image source type is one of a scanner, a digital camera, a cellular phone camera, a video camera, a webcam, or a mobile device camera;

select one of a plurality of hierarchical image quality assessment procedures stored in the memory based on the determined image source type;

perform the selected hierarchical image quality assessment procedure on the image; and

when the selected hierarchical image quality assessment procedure is successfully completed, process the financial instrument image for deposit,

wherein to perform the selected hierarchical image quality assessment procedure, the processing instructions case the processor to:

analyze the image of the financial instrument to calculate a plurality of image quality scores corresponding to a plurality of image quality factors; and

compare the plurality of image quality scores to a plurality of corresponding threshold values;

wherein image quality scores of the plurality of image quality scores are calculated in a sequential fashion and the selected hierarchical image quality assessment procedure is terminated when a particular image quality score fails to meet a particular corresponding threshold value.

14. The non-transitory computer-readable medium of claim 13 , wherein the processing instructions further cause the processor to analyze the image of the financial instrument to obtain metadata associated with the image of the financial instrument.

Continuity (6)

References Cited (400)