US6097834A — Financial transaction processing systems and meth…

Claim 1

Independent Claim 177 words

A system for use in processing a financial transaction based at least in part upon visual data representing information related to said transaction and formed on a document having a particular format, said system comprising: a. an optical scanner for generating a scanned image of at least a portion of said document containing said visual representation; b. an image characterization generator for generating recognition characteristics from said scanned image; c. a recognition characteristic comparator for comparing said recognition characteristics to respective sets of reference recognition characteristics generated from respective other transaction documents having different respective formats and for determining therefrom whether said particular format matches one of the respective formats of said other documents; d. a field location generator for determining, based upon the one respective format when the particular format is determined to match said one respective format, location of a field in said scanned image to which optical character recognition is applied to generate therefrom said information; and e. an image processor for utilizing optical character recognition to generate said visual data from said location.

Claim 2

Independent Claim 177 words

A system for use in processing a financial transaction based at least in part upon visual data representing information related to said transaction and formed on a document having a particular format, said system comprising: a. an optical scanner for generating a scanned image of at least a portion of said document containing said visual representation; b. an image characterization generator for generating recognition characteristics from said scanned image; c. a recognition characteristic comparator for comparing said recognition characteristics to respective sets of reference recognition characteristics generated from respective other transaction documents having different respective formats and for determining therefrom whether said particular format matches one of the respective formats of said other documents; d. a field location generator for determining, based upon the one respective format when the particular format is determined to match said one respective format, location of a field in said scanned image to which optical character recognition is applied to generate therefrom said information; and e. an image processor for utilizing optical character recognition to generate said visual data from said location.

Claim 3

Dependent Claim 25 words

A system according to claim 1, wherein said characterization generator includes an image de-skewer for registering the scanned image with respect to a coordinate system.

Claim 4

Dependent Claim 33 words

A system according to claim 2, wherein said image de-skewer registers said scanned image by registering dark pixels closest to respective adjacent edges of said scanned image with respect to said coordinate system.

Claim 5

Dependent Claim 36 words

A system according to claim 1, wherein said characterization generator comprises a noise eliminator for eliminating noise in said scanned image by replacing dark portions of fewer than 3 pixels in said scanned image with whitespace.

Claim 6

Dependent Claim 51 words

A system according to claim 4, wherein said characterization generator also comprises an image enhancer for enhancing said scanned image by replacing whitespace, extending in two mutually orthogonal directions around each dark pixel remaining after elimination of said noise, with respective predetermined numbers of dark pixels in each of said directions.

Claim 7

Dependent Claim 28 words

A system according to claim 1, wherein said characterization generator comprises a dark pixel group locator for locating groups of dark pixels whose sizes exceeds a predetermined threshold.

Claim 8

Dependent Claim 53 words

A system according to claim 6, wherein said recognition characteristics comprise locations of said groups of dark pixels located by said dark pixel group locator, and said respective sets of reference recognition characteristics comprise respective sets of locations of groups of dark pixels from respective scanned images of said respective other transaction documents.

Claim 9

Dependent Claim 33 words

A system according to claim 1, wherein said information comprises an amount payable from a customer, and said visual representation comprises an amount due represented numerically and an account number of said customer.

Claim 10

Independent Claim 154 words

A method for use in processing a financial transaction based at least in part upon visual data representing information related to said transaction and formed on a document having a particular format, said method comprising: a. generating an optically scanned image of at least a portion of said document containing said visual representation; b. generating recognition characteristics from said scanned image; c. comparing said recognition characteristics to respective sets of reference recognition characteristics generated from respective other transaction documents having different respective formats and determining therefrom whether said particular format matches one of the respective formats of said other documents; d. determining, based upon the one respective format when the particular format is determined to match said one respective format, location of a field in said scanned image to which optical character recognition is applied to generate therefrom said information; and e. utilizing optical character recognition to generate said visual data from said location.

Claim 11

Independent Claim 154 words

A method for use in processing a financial transaction based at least in part upon visual data representing information related to said transaction and formed on a document having a particular format, said method comprising: a. generating an optically scanned image of at least a portion of said document containing said visual representation; b. generating recognition characteristics from said scanned image; c. comparing said recognition characteristics to respective sets of reference recognition characteristics generated from respective other transaction documents having different respective formats and determining therefrom whether said particular format matches one of the respective formats of said other documents; d. determining, based upon the one respective format when the particular format is determined to match said one respective format, location of a field in said scanned image to which optical character recognition is applied to generate therefrom said information; and e. utilizing optical character recognition to generate said visual data from said location.

Claim 12

Dependent Claim 34 words

A method according to claim 9, further comprising eliminating noise in said scanned image, prior to comparison step (c), by replacing dark portions of fewer than 3 pixels in said scanned image with whitespace.

Claim 13

Dependent Claim 43 words

A method according to claim 10, further comprising enhancing said scanned image by replacing whitespace, extending in two mutually orthogonal directions around each dark pixel remaining after elimination of said noise, with respective predetermined numbers of dark pixels in each of said directions.

Claim 14

Dependent Claim 19 words

A method according to claim 9, further comprising locating groups of dark pixels whose sizes exceed a predetermined threshold.

Claim 15

Dependent Claim 51 words

A system according to claim 9, wherein said recognition characteristics comprise locations of groups of dark pixels whose sizes exceed a predetermined threshold, and said respective sets of reference recognition characteristics comprise respective sets of locations of groups of dark pixels from respective scanned images of said respective other transaction documents.

Claim 16

Dependent Claim 33 words

A system according to claim 9, wherein said information comprises an amount payable from a customer, and said visual representation comprises an amount due represented numerically and an account number of said customer.

Annuity Stage	Window Opens	Payment Deadline	Surcharge Period Until	Estimated Fee	Status
3.5 Years (Year 4)	2003-08-01	2004-01-31	2004-08-01	$2000.00	Window Closed / Lapsed
7.5 Years (Year 8)	2007-08-01	2008-01-31	2008-08-01	$3760.00	Window Closed / Lapsed
11.5 Years (Year 12)	2011-08-01	2012-01-31	2012-08-01	$7700.00	Window Closed / Lapsed

Financial transaction processing systems and methods

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