Remote deposit of checks can be facilitated by a financial institution. A customer's general purpose computer and image capture device may be leveraged to capture an image of a check and deliver the image to financial institution electronics. Additional data for the transaction may be collected as necessary. The transaction can be automatically accomplished utilizing the images and data thus acquired.

Systems and methods relate generally to attendee authentication. In a method, a robot gatekeeper has a multi-function printer with program code configured for character recognition and handwriting analysis. The program code is executed by a processor coupled to the memory to initiate operations including: instructing for placement of a hand for a palm vein scanner and a badge for a badge reader; reading a badge to obtain first identification information; reading a palm to obtain first biometric data; accessing a database to obtain second identification information responsive to the first identification information; comparing the first biometric data and second biometric data obtained from the second identification information; printing an anti-tampering feature on a card; scanning a hand written sample on the card; and analyzing the hand written sample scanned with respect to at least one handwriting exemplar in or associated with the second identification information.

The technology described herein generates a unique identifier for a visual media that comprises pre-printed visual indications on the visual media and a user's handwritten signature. The location of the signature on the visual media can be determined by including preprinted fiducial marks on the visual media. The fiducial markers act as landmarks that allow the size and location of the signature to be determined in absolute terms. The unique identifier is then stored in computer memory on a user-experience server. The user-experience server can associate the unique identifier with a digital asset, such as an image or video, designated by the user. When the unique identifier is provided to the user-experience server a second time, the digital asset can be retrieved and output to the computing device that provided the unique identifier.

The present embodiments provide an environment where a user first creates or imports a document comprising of fields to be completed by one or more users. All users who have view-only access or can act on a document are considered to be “in the workflow.” All users in the workflow (except view-only users) can take actions in the document by editing, adding or entering values or signatures in those fields. When the document is complete, a computing device adds an encrypted token visualization element to the document that uniquely identifies and secures the document. Thereafter, a copy of the original document, all attachments, authentication, security and validation information, and all other relevant information about the document and users will be available to view in the chain of custody and audit trail by the authorized users by scanning the token visualization element within the platform (web application or mobile application).

A system, method and computer-readable medium are provided to enable digital bank endorsement. A digital image of a back side of a check may be placed in a computer memory. Appropriate coordinates for a bank endorsement may be determined. A bank endorsement may be automatically generated. The digital image may then be electronically altered by overlaying, merging, or rendering text of the generated bank endorsement. A modified digital image may be combined with an image of the front side of the check and stored and/or exported to check clearing operations.

Disclosed is a system for authenticating checks using a mixed reality environment. The system includes a financial instrumentation central database for storing financial and identification data related to the checks, and a reality glasses coupled to the financial instrumentation central database. The reality glass includes a memory unit for storing a plurality of modules, a camera to capture the image of the check, a reality display; and a wearable processor coupled to the memory unit for processing the stored plurality of modules. The wearable processor is coupled to the financial instrumentation central database, to the camera to process captured images of the check. The plurality of modules includes a first level authentication module to authenticate a bank routing number, a second level authentication module to authenticate an account number on the check captured by the camera, a third level authentication module to authenticate an appropriate amount on the check, and a fourth level authentication module to authenticate a signature style on the check.

Disclosed are methods and systems for using artificial intelligence (AI) for image recognition by using predefined coordinates to extract a portion of a received image, the extracted portion comprising a word to be identified having at least a first letter and a second letter; executing an image recognition protocol to identify the first letter; when the server is unable to identify the second letter, the server executes an AI model having a nodal data structure to identify the second letter based upon the identified first letter, the nodal data structure comprising a set of nodes where each node represents a letter, each node connected to at least one other node, wherein connection of a first node to a second node corresponds to a probability that a letter corresponding to the second node is used in a word subsequent to a letter corresponding to the first node.

Systems and methods are provided for use in authenticating consumers based on images of the consumers stored in payment cards. One exemplary method includes receiving, at a point-of-sale (POS) device, a transaction request by a consumer to purchase a product and soliciting, by the POS device, a payment device from the consumer for funding the transaction request. The method also includes retrieving, by the POS device, a reference image provisioned to the payment device, capturing, by the POS device, an image of the consumer presenting the payment device, and comparing, by the POS device, the captured image of the consumer to the reference image. The method then further includes submitting an authorization request, in response to the transaction request, when the captured image of the consumer matches the reference image, whereby the consumer is authenticated to the payment device.

A classifier receives a digital scan of a document and converts the content of the document in the digital scan from an image into text. The classifier analyzes the text to determine one or more predicted roles of one or more signatories, each predicted role determined based on one or more signature elements in the content of the document executed by the one or more signatories. The classifier evaluates each of the one or more predicted roles in view of a plurality of expected signatory role characteristics of a plurality of categories of documents of a transaction to select a particular category associated with the document from among the plurality of categories. The classifier classifies the document within the transaction as a particular logical type identified by the particular category from among a plurality of logical types for the transaction.

Disclosed are methods and systems for using artificial intelligence (AI) for image recognition by using predefined coordinates to extract a portion of a received image, the extracted portion comprising a word to be identified having at least a first letter and a second letter; executing an image recognition protocol to identify the first letter; when the server is unable to identify the second letter, the server executes an AI model having a nodal data structure to identify the second letter based upon the identified first letter, the nodal data structure comprising a set of nodes where each node represents a letter, each node connected to at least one other node, wherein connection of a first node to a second node corresponds to a probability that a letter corresponding to the second node is used in a word subsequent to a letter corresponding to the first node.