Detecting Duplicate Deposit Items at Point of Capture

摘要

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.

主权项

1. A system, comprising:
at least one processor; a communication interface communicatively coupled to the at least one processor; and memory storing computer-readable instructions that, when executed by the at least one processor, cause the system to:
receive, via the communication interface, and from a computing device, image data of a deposit item captured by the computing device;read a magnetic ink character recognition (MICR) line of the deposit item to obtain MICR information for the deposit item from the MICR line of the deposit item;perform an image data lift on the image data of the deposit item to extract information from one or more visible fields of the deposit item;compare the MICR information for the deposit item and the information extracted from the one or more visible fields of the deposit item with item history information obtained from an item history database 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 first threshold, reject the deposit item; andif the confidence score is not less than the first threshold, accept the deposit item for deposit.