Systems and methods for mobile enrollment in automated clearing house (ACH) transactions using mobile-captured images of financial documents are provided. Applications running on a mobile device provide for the capture and processing of images of documents needed for enrollment in an ACH transaction, such as a blank check, remittance statement and driver's license. Data from the mobile-captured images that is needed for enrolling in ACH transactions is extracted from the processed images, such as a user's name, address, bank account number and bank routing number. The user can edit the extracted data, select the type of document that is being captured, authorize the creation of an ACH transaction and select an originator of the ACH transaction. The extracted data and originator information is transmitted to a remote server along with the user's authorization so the ACH transaction can be setup between the originator's and receiver's bank accounts.

Systems and methods for using a mobile device to submit an application for an insurance policy using images of documents captured by the mobile device are provided herein. The information is then used by an insurance company to generate a quote which is then displayed to the user on the mobile device. A user captures images of one or more documents containing information needed to complete an insurance application, after which the information on the documents is extracted and sent to the insurance company where a quote for the insurance policy can be developed. The quote can then be transmitted back to the user. Applications on the mobile device are configured to capture images of the documents needed for an insurance application, such as a driver's license, insurance information card or a vehicle identification number (VIN). The images are then processed to extract the information needed for the insurance application.

Systems and methods for using a mobile device to submit an application for an insurance policy using images of documents captured by the mobile device are provided herein. The information is then used by an insurance company to generate a quote which is then displayed to the user on the mobile device. A user captures images of one or more documents containing information needed to complete an insurance application, after which the information on the documents is extracted and sent to the insurance company where a quote for the insurance policy can be developed. The quote can then be transmitted back to the user. Applications on the mobile device are configured to capture images of the documents needed for an insurance application, such as a driver's license, insurance information card or a vehicle identification number (VIN). The images are then processed to extract the information needed for the insurance application.

An image processing apparatus capable of removing an unnecessary area from a scanned image and thereby making it easy to recognize a necessary area of the scanned image. The image processing apparatus includes a calculation unit that calculates a density value histogram based on an acquired scanned image, a setting unit that sets a necessary area density that has a predetermined value range around the most frequently appearing density value having the highest appearance frequency in the density value histogram, and sets a binarization threshold value based on the necessary area density, and a control unit that controls execution of binarization processing for correcting an area of the scanned image, in which density values are equal to or higher than the threshold value, to black, and correcting an area of the scanned image, in which density values are lower than the threshold value, to white.

A processor may receive an image and determine a number of foreground pixels in the image. The processor may obtain a result of optical character recognition (OCR) processing performed on the image. The processor may identify at least one bounding box surrounding at least one portion of text in the result and overlay the at least one bounding box on the image to form a masked image. The processor may determine a number of foreground pixels in the masked image and a decrease in the number of foreground pixels in the masked image relative to the number of foreground pixels in the image. Based on the decrease, the processor may modify an aspect of the OCR processing for subsequent image processing.

A processor may receive an image and determine a number of foreground pixels in the image. The processor may obtain a result of optical character recognition (OCR) processing performed on the image. The processor may identify at least one bounding box surrounding at least one portion of text in the result and overlay the at least one bounding box on the image to form a masked image. The processor may determine a number of foreground pixels in the masked image and a decrease in the number of foreground pixels in the masked image relative to the number of foreground pixels in the image. Based on the decrease, the processor may modify an aspect of the OCR processing for subsequent image processing.

A method includes receiving a binary annotation of source text; performing a close operation on the binary annotation to generate a closed annotation using an initial kernel size; defining one or more contours in the closed annotation using one or more bounding boxes, respectively; determining a subset of the one or more contours for which a percentage of area occupied by text within a corresponding bounding box exceeds a threshold; and generating a final annotation of the source text based on the subset of the one or more contours.

A method includes receiving a binary annotation of source text; performing a close operation on the binary annotation to generate a closed annotation using an initial kernel size; defining one or more contours in the closed annotation using one or more bounding boxes, respectively; determining a subset of the one or more contours for which a percentage of area occupied by text within a corresponding bounding box exceeds a threshold; and generating a final annotation of the source text based on the subset of the one or more contours.

A processor may receive an image and determine a number of foreground pixels in the image. The processor may obtain a result of optical character recognition (OCR) processing performed on the image. The processor may identify at least one bounding box surrounding at least one portion of text in the result and overlay the at least one bounding box on the image to form a masked image. The processor may determine a number of foreground pixels in the masked image and a decrease in the number of foreground pixels in the masked image relative to the number of foreground pixels in the image. Based on the decrease, the processor may modify an aspect of the OCR processing for subsequent image processing.

A processor may receive an image and determine a number of foreground pixels in the image. The processor may obtain a result of optical character recognition (OCR) processing performed on the image. The processor may identify at least one bounding box surrounding at least one portion of text in the result and overlay the at least one bounding box on the image to form a masked image. The processor may determine a number of foreground pixels in the masked image and a decrease in the number of foreground pixels in the masked image relative to the number of foreground pixels in the image. Based on the decrease, the processor may modify an aspect of the OCR processing for subsequent image processing.