Rdm Corporation

Research Development & Manufacturing Corporation

Graham Heit

Dima Shamroni

Dhammika Botejue

John Kavanagh

Douglas Newman

Glen Johannesson

Jeff Dayman

Kevin Michener

Jeff Davis

Brian Johannesson

Bill Stefanuk

Frank McGovern

Fred Brouwer

Provided is a system for coordinating collection and processing of digital data by a plurality of deposit modules with respect to a plurality of users over a communications network, the digital data based on a plurality of original paper deposits and including at least digital images of the original paper deposits and respective deposit information, the system comprising: a communications module that provides a list of one or more deposit functions assigned to each respective user, each of the deposit functions coordinated by a corresponding module of the plurality of deposit modules, and that provides a list of the respective digital data that is associated with each of the assigned deposit modules; the plurality of deposit modules that facilitates a distribution of the deposit functions for the collection and processing of the digital data with one or more users of the plurality of users, the deposit modules including a first module that monitors receipt of the digital images and respective deposit information of the digital data, the first module associated with a scanner function of the list of deposit functions, and including a second module for implementing on the digital data a second deposit function of the plurality of the deposit functions; and a workflow module that monitors a flow of the digital data between the first deposit module and the second deposit module based on a completion status of the digital data with respect to the first module.

Method and system for thin client based image and transaction management

A central system for receiving captured transaction data from a plurality of remote capture devices over a network, the remote capture devices including a mobile device type and a fixed location device type, the system comprising: a receipt module to receive the captured transaction data; a processing module to process the received captured transaction data; and a storage module to store the processed transaction data such that characteristic data of the mobile device type is associated with the stored transaction data for said processed transaction data originating from a remote capture device of the mobile device type.

Mobile deposit system for digital image and transaction management

A system and method for providing one or more client systems for communicating with a host system over a network. The client systems use a scanner to convert a paper form of a check, coupon, or other paper document to a digital representation and then the client systems send the digital representation over a network to the host system for storage. The host system archives the digital representation and determines the appropriate processing stream for a transaction related to the paper document (e.g. coupon, check), via a decisioning engine, based on a set of predefined stream selection rules. The host system then communicates the transaction to a back end transaction destination, according to the selected processing stream. Examples of the transaction destination can include ACH, Reproduce Paper, and Remittance.

System and method for providing a distributed decisioning environment for processing of financial transactions

Provided is a system for coordinating collection and processing of digital data by a plurality of deposit modules with respect to a plurality of users over a communications network, the digital data based on a plurality of original paper deposits and including at least digital images of the original paper deposits and respective deposit information, the system comprising: a communications module that provides a list of one or more deposit functions assigned to each respective user, each of the deposit functions coordinated by a corresponding module of the plurality of deposit modules, and that provides a list of the respective digital data that is associated with each of the assigned deposit modules; the plurality of deposit modules that facilitates a distribution of the deposit functions for the collection and processing of the digital data with one or more users of the plurality of users.

Providing a wireless environment for processing of financial transactions

An automated document processing system, particularly for mobile image capture and processing of financial documents to enhance images captured on a mobile device with camera capabilities for data extraction. The systems comprise a mobile device that includes a capture device configured to capture color images of documents, and that has a processor for performing certain operations, such as color reduction, and a transmitter for sending an image from the mobile device to a server. The server is configured to optimize and enhance the image, and to apply an improved binarization algorithm using a window within a relevant document field and/or a threshold for the document field. Orientation correction may also be performed at the server by reading the MICR line on a check and comparing a MICR confidence to a threshold. A check image may also be size corrected using features of the MICR line and expected document dimensions.

System for mobile image capture and processing of financial documents

System and method for providing configuration and settlement processing of financial transactions using a hierarchy node model

A system and method for providing one or more client systems for communicating with a host system over a network. The client systems use a scanner to convert a paper form of a check, coupon, or other paper document to a digital representation and then the client systems send the digital representation over a network to the host system for storage. The host system archives the digital representation and determines the appropriate processing stream for a transaction related to the paper document (e.g. coupon, check), via a decisioning engine, based on a set of predefined stream selection rules. The host system then communicates the transaction to a back end transaction destination, according to the selected processing stream. Examples of the transaction destination can include ACH, Reproduce Paper, and Remittance. The host system can make use of a data buffer system for coordinating the storage of the digital representations in the host system as well as coordinating the respective settlement process, a distributed decisioning environment for assisting the host system in decisioning of the digital representations, and a hierarchy for coordinating the configuration of the host and client systems as well as coordinating the settlement process for the digital representations.

Client systems use a scanner to convert a paper form of a document to a digital representation and then send the digital representation over a network to a host system for storage. The host system archives the digital representation and determines the appropriate processing stream for a transaction related to the paper document, via a decisioning engine, based on a set of predefined stream selection rules. The host system then communicates the transaction to a back end transaction destination, according to the selected processing stream, using a hierarchy for coordinating the configuration of the host and client systems as well as coordinating the settlement process for the digital representations.

An apparatus for obtaining data from a document at point of presentment. The document has a predetermined width, and the apparatus has a frame, a drive mechanism mounted on the frame, and sensors. The drive mechanism is adapted to move the document along a document path in the apparatus between a home position, at which the document is inserted into the apparatus, and an exit position, at which the document is removable from the apparatus. The drive mechanism includes a roller rotatable about a roller axis for engaging a contact portion of the document extending along the width thereof. The roller has a substantially smooth surface for supporting the contact portion. The sensors are for obtaining document data from the contact portion of the document.

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Waterloo, Canada

Graham Heit