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    Payment card OCR with relaxed alignment
    53.
    发明授权
    Payment card OCR with relaxed alignment 有权
    支付卡OCR轻松对齐

    公开(公告)号：US09594972B2

    公开(公告)日：2017-03-14

    申请号：US15158520

    申请日：2016-05-18

    Applicant: GOOGLE INC.

    Inventor： Xiaohang Wang ,  Farhan Shamsi ,  Yakov Okshtein ,  Sanjiv Kumar ,  Henry Allan Rowley ,  Marcus Quintana Mitchell ,  Debra Lin Repenning ,  Alessandro Bissacco ,  Justin Scheiner ,  Leon Palm

    IPC: G06K9/00 ,  G06K9/32 ,  G06K9/18 ,  G06K9/22 ,  G06K9/40 ,  G06K9/36

    CPC classification number: G06K9/3283 ,  G06K9/00469 ,  G06K9/18 ,  G06K9/228 ,  G06K9/325 ,  G06K9/40 ,  G06K2009/363 ,  G06K2209/01

    Abstract: Extracting financial card information with relaxed alignment comprises a method to receive an image of a card, determine one or more edge finder zones in locations of the image, and identify lines in the one or more edge finder zones. The method further identifies one or more quadrilaterals formed by intersections of extrapolations of the identified lines, determines an aspect ratio of the one or more quadrilateral, and compares the determined aspect ratios of the quadrilateral to an expected aspect ratio. The method then identifies a quadrilateral that matches the expected aspect ratio and performs an optical character recognition algorithm on the rectified model. A similar method is performed on multiple cards in an image. The results of the analysis of each of the cards are compared to improve accuracy of the data.

    Abstract translation: 以轻松对准的方式提取金融卡信息包括接收卡的图像的方法，在图像的位置确定一个或多个边缘查找器区域，并识别一个或多个边缘查找器区域中的线。 该方法还识别由所识别的线的外插的交点形成的一个或多个四边形，确定一个或多个四边形的纵横比，并将确定的四边形的纵横比与预期的纵横比进行比较。 然后，该方法识别与预期宽高比匹配的四边形，并在整流模型上执行光学字符识别算法。 在图像中的多个卡上执行类似的方法。 比较每个卡的分析结果，提高数据的准确性。

    CARD ART DISPLAY
    54.
    发明申请
    CARD ART DISPLAY 审中-公开
    卡片艺术展示

    公开(公告)号：US20170053162A1

    公开(公告)日：2017-02-23

    申请号：US15346709

    申请日：2016-11-08

    Applicant: GOOGLE INC.

    Inventor： Marcus Quintana Mitchell ,  Peter Hazlehurst ,  Xiaohang Wang ,  Debra Lin Repenning, IV ,  Yakov Okshtein ,  Sanjiv Kumar ,  Farhan Shamsi ,  Henry Allan Rowley

    IPC: G06K9/00

    CPC classification number: G06K9/00449 ,  G06K9/00483 ,  G06K9/00536 ,  G06K2209/01

    Abstract: Providing improved card art for display comprises receiving, by one or more computing devices, an image of a card and performing an image recognition algorithm on the image. The computing device identifies images represented on the card image and comparing the identified images to an image database. The computing device determines a standard card art image associated with the identified image based at least in part on the comparison and associates the standard card art image with an account of a user, the account being associated with the card in the image. The computing device displays the standard card art as a representation of the account.

    Abstract translation: 提供用于显示的改进的卡片艺术品包括由一个或多个计算设备接收卡片的图像并在图像上执行图像识别算法。 计算设备识别卡片图像上表示的图像，并将识别的图像与图像数据库进行比较。 计算设备至少部分地基于比较来确定与所识别的图像相关联的标准卡片艺术图像，并且将标准卡片艺术图像与用户的帐户相关联，该帐户与图像中的卡片相关联。 计算设备将标准卡片艺术作为帐户的表示显示。

    Extracting card identification data
    56.
    发明授权
    Extracting card identification data 有权
    提取卡片识别数据

    公开(公告)号：US09460358B2

    公开(公告)日：2016-10-04

    申请号：US14550871

    申请日：2014-11-21

    Applicant: GOOGLE INC.

    Inventor： Xiaohang Wang ,  Justin Scheiner ,  Glenn Berntson

    IPC: G06K7/10 ,  G06K9/18 ,  G06K9/00 ,  G06K9/03 ,  G06K9/34 ,  G06K9/62

    CPC classification number: G06K9/18 ,  G06K7/1447 ,  G06K9/00442 ,  G06K9/036 ,  G06K9/2054 ,  G06K9/344 ,  G06K9/62 ,  G06K9/6255 ,  G06K9/726 ,  G06K2209/01

    Abstract: Extracting card information comprises a server at an optical character recognition (“OCR”) system that interprets data from a card. The OCR system performs an optical character recognition algorithm an image of a card and performs a data recognition algorithm on a machine-readable code on the image of the card. The OCR system compares a series of extracted alphanumeric characters obtained via the optical character recognition process to data extracted from the machine-readable code via the data recognition process and matches the alphanumeric series of characters to a particular series of characters extracted from the machine-readable code. The OCR system determines if the alphanumeric series and the matching series of characters extracted from the machine-readable code comprise any discrepancies and corrects the alphanumeric series of characters based on the particular series of characters extracted from the machine-readable code upon a determination that a discrepancy exists.

    Abstract translation: 提取卡信息包括解释来自卡的数据的光学字符识别（“OCR”）系统的服务器。 OCR系统对卡的图像执行光学字符识别算法，并对卡的图像上的机器可读代码执行数据识别算法。 OCR系统将经由光学字符识别处理获得的一系列提取的字母数字字符与通过数据识别处理从机器可读代码提取的数据进行比较，并将字母数字系列与从机器可读取的特定系列字符匹配 码。 OCR系统确定从机器可读代码提取的字母数字序列和匹配的字符串是否包含任何差异，并且基于从机器可读代码中提取的特定字符序列来校正字母数字系列字符， 存在差异。

    Comparing extracted card data with user data
    57.
    发明授权
    Comparing extracted card data with user data 有权
    将提取的卡片数据与用户数据进行比较

    公开(公告)号：US09436884B2

    公开(公告)日：2016-09-06

    申请号：US14504214

    申请日：2014-10-01

    Applicant: GOOGLE INC.

    Inventor： Xiaohang Wang ,  Farhan Shamsi ,  Sanjiv Kumar ,  Henry Allan Rowley ,  Marcus Quintana Mitchell

    IPC: G06K9/00 ,  G06K9/18 ,  G06K9/62

    CPC classification number: G06K9/186 ,  G06K7/10 ,  G06K9/00469 ,  G06K9/18 ,  G06K9/2054 ,  G06K9/228 ,  G06K9/6202 ,  G06K2209/01 ,  G06Q20/32 ,  G06Q20/3223 ,  G06Q20/3276 ,  G06Q20/34 ,  G06Q20/36 ,  H04N1/00307

    Abstract: Extracting card data comprises receiving, by one or more computing devices, a digital image of a card; perform an image recognition process on the digital representation of the card; identifying an image in the digital representation of the card; comparing the identified image to an image database comprising a plurality of images and determining that the identified image matches a stored image in the image database; determining a card type associated with the stored image and associating the card type with the card based on the determination that the identified image matches the stored image; and performing a particular optical character recognition algorithm on the digital representation of the card, the particular optical character recognition algorithm being based on the determined card type. Another example uses an issuer identification number to improve data extraction. Another example compares extracted data with user data to improve accuracy.

    Abstract translation: 提取卡数据包括由一个或多个计算设备接收卡的数字图像; 对卡的数字表示进行图像识别处理; 识别卡的数字表示中的图像; 将所识别的图像与包括多个图像的图像数据库进行比较，并确定所识别的图像与图像数据库中存储的图像匹配; 基于所识别的图像与所存储的图像匹配的确定来确定与所存储的图像相关联的卡类型并将卡类型与卡相关联; 以及对所述卡的数字表示执行特定光学字符识别算法，所述特定光学字符识别算法基于所确定的卡类型。 另一个例子是使用发行人识别号来改进数据提取。 另一个例子比较了提取的数据与用户数据，以提高准确性。

    Classifying Open-Loop And Closed-Loop Payment Cards Based On Optical Character Recognition
    58.
    发明申请
    Classifying Open-Loop And Closed-Loop Payment Cards Based On Optical Character Recognition 有权
    基于光学字符识别的开环和闭环支付卡分类

    公开(公告)号：US20160239911A1

    公开(公告)日：2016-08-18

    申请号：US15139295

    申请日：2016-04-26

    Applicant: GOOGLE INC.

    Inventor： Xiaohang Wang ,  Glenn Berntson

    IPC: G06Q40/00 ,  H04N5/225 ,  G06K9/18 ,  G06Q20/34

    CPC classification number: G06Q40/00 ,  G06K9/00442 ,  G06K9/18 ,  G06K9/3258 ,  G06K2209/01 ,  G06Q20/34 ,  G06Q20/351 ,  G06Q20/36 ,  H04N5/2257

    Abstract: A user captures an image of a payment card via a user computing device camera. An optical character recognition system receives the payment card image from the user computing device. The system performs optical character recognition and visual object recognition algorithms on the payment card image to extract text and visual objects from the payment card image, which are used by the system to identify a payment card type. The system may categorize the payment card as an open-loop card or a closed-loop card, or as a credit card or a non-credit card. In an example embodiment, the system allows or prohibits extracted financial account information from the payment card to be saved in the digital wallet account based on the determined payment card category. In another example embodiment, the system transmits an advisement to the user based on the determined payment card category.

    Abstract translation: 用户通过用户计算设备相机捕获支付卡的图像。 光学字符识别系统从用户计算设备接收支付卡图像。 该系统在支付卡图像上执行光学字符识别和视觉对象识别算法，从支付卡图像中提取文本和视觉对象，系统用于识别支付卡类型。 系统可将支付卡分为开环卡或闭环卡，或信用卡或非信用卡。 在示例实施例中，系统允许或禁止从支付卡提取的金融账户信息基于所确定的支付卡类别被保存在数字钱包账户中。 在另一示例性实施例中，系统基于确定的支付卡类别向用户发送建议。

    INFERRING PURCHASE INTENT USING NON-PAYMENT TRANSACTION EVENTS
    59.
    发明申请
    INFERRING PURCHASE INTENT USING NON-PAYMENT TRANSACTION EVENTS 审中-公开
    使用非付款交易活动来收购购买信息

    公开(公告)号：US20160203506A1

    公开(公告)日：2016-07-14

    申请号：US14595193

    申请日：2015-01-12

    Applicant: GOOGLE INC.

    Inventor： Harry Lee Butler, IV ,  Glenn Berntson ,  Glenn Thrope ,  Xiaohang Wang

    IPC: G06Q30/02 ,  G06Q20/34 ,  G06Q20/40

    CPC classification number: G06Q30/0222 ,  G06Q20/12 ,  G06Q20/20 ,  G06Q30/0226 ,  G06Q30/0238

    Abstract: Inferring purchase intent using non-payment transaction signals predicts whether a payment transaction has been completed based on non-payment information. An account system that operates outside of the payment path does not take part in and the approval of a financial transaction between the user and the merchant system, distributes an offer to the user. The user completes a financial payment transaction with the merchant and the account system determines whether a trigger event has occurred. The user performs an action or enters information using the user computing device, and the user computing device transmits an indication of the action to the account system. In another example, the account system receives notification from another system or device. The account system determines whether the action is a trigger event and the predictive model determines whether the user completed a financial transaction and/or redeemed the distributed offer.

    Abstract translation: 使用非付款交易信号推定购买意向预测是否基于未付款信息完成支付交易。 在支付路径之外运行的帐户系统不参与用户和商家系统之间的金融交易的批准，向用户分发报价。 用户完成与商家的金融支付交易，并且帐户系统确定是否发生触发事件。 用户使用用户计算设备执行动作或输入信息，并且用户计算设备向帐户系统发送动作的指示。 在另一个示例中，帐户系统从另一个系统或设备接收通知。 帐户系统确定该动作是否是触发事件，并且预测模型确定用户是否完成了金融交易和/或赎回分配的报价。

    Comparing extracted card data using continuous scanning
    60.
    发明授权
    Comparing extracted card data using continuous scanning 有权
    使用连续扫描比较提取的卡数据

    公开(公告)号：US09390419B2

    公开(公告)日：2016-07-12

    申请号：US14447072

    申请日：2014-07-30

    Applicant: GOOGLE INC.

    Inventor： Sanjiv Kumar ,  Henry Allan Rowley ,  Xiaohang Wang ,  Yakov Okshtein ,  Farhan Shamsi ,  Alessandro Bissacco

    IPC: G06K9/00 ,  G06Q20/40 ,  G06K9/18 ,  G06K9/62

    CPC classification number: G06K9/6201 ,  G06K9/00201 ,  G06K9/00469 ,  G06K9/00483 ,  G06K9/03 ,  G06K9/036 ,  G06K9/18 ,  G06K9/20 ,  G06K9/2054 ,  G06K9/228 ,  G06K9/344 ,  G06K9/6202 ,  G06K9/78 ,  G06K2009/2045 ,  G06K2209/01 ,  G06K2209/40 ,  G06Q20/322 ,  G06Q20/327 ,  G06Q20/34 ,  G06Q20/4016 ,  G06T17/00

    Abstract: Comparing extracted card data from a continuous scan comprises receiving, by one or more computing devices, a digital scan of a card; obtaining a plurality of images of the card from the digital scan of the physical card; performing an optical character recognition algorithm on each of the plurality of images; comparing results of the application of the optical character recognition algorithm for each of the plurality of images; determining if a configured threshold of the results for each of the plurality of images match each other; and verifying the results when the results for each of the plurality of images match each other. Threshold confidence level for the extracted card data can be employed to determine the accuracy of the extraction. Data is further extracted from blended images and three-dimensional models of the card. Embossed text and holograms in the images may be used to prevent fraud.

    Abstract translation: 比较来自连续扫描的提取的卡数据包括由一个或多个计算设备接收卡的数字扫描; 从所述物理卡的数字扫描中获取所述卡的多个图像; 对所述多个图像中的每一个执行光学字符识别算法; 比较针对所述多个图像中的每一个的所述光学字符识别算法的应用结果; 确定所述多个图像中的每一个的结果的配置阈值是否彼此匹配; 以及当多个图像中的每一个的结果彼此匹配时验证结果。 可以采用提取的卡数据的阈值置信水平来确定提取的准确性。 从混合图像和卡片的三维模型进一步提取数据。 图像中的压纹文字和全息图可能被用来防止欺诈。

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