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US Patent 9679431 Detecting duplicate deposit items at point of capture

Patent 9679431 was granted and assigned to BANK OF AMERICA CORPORATION on June, 2017 by the United States Patent and Trademark Office.

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Patent
Patent
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Patent Applicant
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Current Assignee
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Patent Jurisdiction
United States Patent and Trademark Office
United States Patent and Trademark Office
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Patent Number
96794311
Patent Inventor Names
Geoffrey R. Williams1
Date of Patent
June 13, 2017
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Patent Application Number
146868911
Date Filed
April 15, 2015
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Patent Citations Received
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US Patent 12019594 Systems and method of managing documents
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Patent Primary Examiner
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Patent abstract

Methods, systems, and computer-readable media for detecting duplicate deposit items at a point of capture are presented. In some embodiments, a computing platform may receive image data of a deposit item presented for deposit. Subsequently, the computing platform may obtain magnetic ink character recognition (MICR) information for the deposit item. Then, the computing platform may extract information from one or more visible fields of the deposit item. Next, the computing platform may compare the MICR information and the information extracted from the one or more visible fields with item history information to determine a confidence score indicative of whether the deposit item is a duplicate of a previously-deposited item. If the confidence score is less than a threshold, the computing platform may reject the deposit item at the point of capture. Alternatively, if the confidence score is not less than the threshold, the computing platform may accept the deposit item.

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