U.S. Bank National Association

Chenglin Zhang

Xiaoqiao Wei

Wentao Lu

Ding Ma

Hun Jeong Kang

Yuan Cheng

Methods and systems for processing a financial instrument, such as a check, are provided. An example method includes performing a text extraction process on a check image to obtain check textual information, and decoding an intelligent mail barcode (IMB) in the check image to obtain a character code. The method further includes utilizing the character code to extract encoded check information including a payee ZIP code from the IMB. The method also includes performing a fraud detection process on the check image based on at least one of (1) scores generated during the text extraction process, or (2) inconsistency between the check textual information and the encoded check information.

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Eden Prairie, MN, United States of America

Chenglin Zhang