SYSTEMS AND METHODS FOR DEVELOPING AND VERIFYING IMAGE PROCESSING STANDARDS FOR MOBILE DEPOSIT

摘要

Systems and methods are provided for assessing whether mobile deposit processing engines meet specified standards for mobile deposit of financial documents. A mobile deposit processing engine (MDE) is evaluated to determine if it can perform technical capabilities for improving the quality of and extracting content from an image of a financial document. A verification process then begins, where the MDE performs the image quality enhancements and text extraction steps on sets of images from a test deck. The results of the processing of the test deck are then evaluated by comparing confidence levels with thresholds to determine if each set of images should be accepted or rejected. Further analysis determines whether any of the sets of images were falsely accepted or rejected in error. An overall error rate is then compared with minimum accuracy criteria, and if the criteria are met, the MDE meets the standard for mobile deposit.

主权项

1. A method for verifying image processing standards for mobile deposit of a financial document, comprising:
receiving sets of test images of financial documents captured by a mobile device; performing an image processing transaction on each set of test images to improve the image quality of at least one aspect of each set of test images and extract at least one category of text from each set of test images; determining a confidence level for each category of extracted text; comparing the confidence level of each category of extracted text with a corresponding threshold value to accept or reject the image processing transaction for each set of test images; comparing the at least one category of extracted text with known values of the at least one category of extracted text for each set of test images to determine whether the acceptance or rejection of the image processing transaction for each set of test images was in error; calculating an error rate of acceptances or rejections of the image processing transaction based on a number of determined errors from the image processing transactions for the sets of test images; and comparing the error rate with one or more accuracy criteria and verifying an accuracy of the mobile deposit processing unit if the error rate is within the one or more accuracy criteria, or rejecting the accuracy of the mobile deposit processing unit if the error rate falls outside of the one or more accuracy criteria.