The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.
The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.
Patent No.:
Date of Patent:
Oct. 07, 2025
Filed:
Apr. 24, 2025
U.s. Bank National Association, Minneapolis, MN (US);
Christopher Kallas, Grafton, WI (US);
Wentao Lu, Minnetonka, MN (US);
Hun Jeong Kang, Eagan, MN (US);
Chenglin Zhang, Eden Prairie, MN (US);
Yuan Cheng, Cary, NC (US);
Ding Ma, Thousand Oaks, CA (US);
Xiaoqiao Wei, Woodbury, MN (US);
U.S. Bank National Association, Minneapolis, MN (US);
Abstract
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.