WO1998057291A3 - Financial transaction processing systems and methods - Google Patents

Financial transaction processing systems and methods Download PDF

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Publication number
WO1998057291A3
WO1998057291A3 PCT/US1998/012399 US9812399W WO9857291A3 WO 1998057291 A3 WO1998057291 A3 WO 1998057291A3 US 9812399 W US9812399 W US 9812399W WO 9857291 A3 WO9857291 A3 WO 9857291A3
Authority
WO
WIPO (PCT)
Prior art keywords
visual data
financial transaction
scanned image
methods
processing systems
Prior art date
Application number
PCT/US1998/012399
Other languages
French (fr)
Other versions
WO1998057291A2 (en
Inventor
Louis J Krouse
Eric F Strovink
Original Assignee
Direct Express L L C
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Direct Express L L C filed Critical Direct Express L L C
Priority to EP98930224A priority Critical patent/EP0996923A4/en
Priority to CA002293263A priority patent/CA2293263A1/en
Publication of WO1998057291A2 publication Critical patent/WO1998057291A2/en
Publication of WO1998057291A3 publication Critical patent/WO1998057291A3/en

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Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G06Q20/042—Payment circuits characterized in that the payment protocol involves at least one cheque
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07D—HANDLING OF COINS OR VALUABLE PAPERS, e.g. TESTING, SORTING BY DENOMINATIONS, COUNTING, DISPENSING, CHANGING OR DEPOSITING
    • G07D7/00—Testing specially adapted to determine the identity or genuineness of valuable papers or for segregating those which are unacceptable, e.g. banknotes that are alien to a currency
    • G07D7/06—Testing specially adapted to determine the identity or genuineness of valuable papers or for segregating those which are unacceptable, e.g. banknotes that are alien to a currency using wave or particle radiation
    • G07D7/12—Visible light, infrared or ultraviolet radiation

Abstract

The present invention provides financial transaction processing systems and methods. One preferred embodiment of a method according to one aspect of the present invention includes generating an optically scanned image (34, 208) of at least a portion of document containing visual data, in a particular format, representing information related to the financial transaction. Recognition characteristics (32, 204) are generated from the scanned image and are compared (40, 220) to respective sets of reference recognition characteristics generated from respective other transaction documents having different respective formats to determine therefrom whether the particular format of the visual data matches one of the respective formats of the other documents. When such a match is found to exist, location is determined (40, 218) of a field in the scanned image to which optical character recognition may be applied to generate therefrom the information, based upon the respective format found to match the particular format of the visual data. Optical character recognition is then utilized to generate said visual data (60, 232) from said location.
PCT/US1998/012399 1997-06-13 1998-06-15 Financial transaction processing systems and methods WO1998057291A2 (en)

Priority Applications (2)

Application Number Priority Date Filing Date Title
EP98930224A EP0996923A4 (en) 1997-06-13 1998-06-15 Financial transaction processing systems and methods
CA002293263A CA2293263A1 (en) 1997-06-13 1998-06-15 Financial transaction processing systems and methods

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US08/874,312 1997-06-13
US08/874,312 US6097834A (en) 1997-06-13 1997-06-13 Financial transaction processing systems and methods

Publications (2)

Publication Number Publication Date
WO1998057291A2 WO1998057291A2 (en) 1998-12-17
WO1998057291A3 true WO1998057291A3 (en) 1999-03-18

Family

ID=25363476

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US1998/012399 WO1998057291A2 (en) 1997-06-13 1998-06-15 Financial transaction processing systems and methods

Country Status (4)

Country Link
US (1) US6097834A (en)
EP (1) EP0996923A4 (en)
CA (1) CA2293263A1 (en)
WO (1) WO1998057291A2 (en)

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EP0996923A2 (en) 2000-05-03

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