U.S. patent application number 14/026781 was filed with the patent office on 2015-01-01 for extracting card data using three-dimensional models.
This patent application is currently assigned to GOOGLE INC.. The applicant listed for this patent is GOOGLE INC.. Invention is credited to Alessandro Bissacco, Sanjiv Kumar, Yakov Okshtein, Henry Allan Rowley, Farhan Shamsi, Xiaohang Wang.
Application Number | 20150006361 14/026781 |
Document ID | / |
Family ID | 51267386 |
Filed Date | 2015-01-01 |
United States Patent
Application |
20150006361 |
Kind Code |
A1 |
Kumar; Sanjiv ; et
al. |
January 1, 2015 |
Extracting Card Data Using Three-Dimensional Models
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.
Inventors: |
Kumar; Sanjiv; (White
Plains, NY) ; Rowley; Henry Allan; (Sunnyvale,
CA) ; Wang; Xiaohang; (Jersey City, NJ) ;
Okshtein; Yakov; (Far Rockaway, NY) ; Shamsi;
Farhan; (Rego Park, NY) ; Bissacco; Alessandro;
(Los Angeles, CA) |
|
Applicant: |
Name |
City |
State |
Country |
Type |
GOOGLE INC. |
Mountain View |
CA |
US |
|
|
Assignee: |
GOOGLE INC.
Mountain View
CA
|
Family ID: |
51267386 |
Appl. No.: |
14/026781 |
Filed: |
September 13, 2013 |
Related U.S. Patent Documents
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Application
Number |
Filing Date |
Patent Number |
|
|
61841273 |
Jun 28, 2013 |
|
|
|
Current U.S.
Class: |
705/39 |
Current CPC
Class: |
G06K 9/6201 20130101;
G06K 9/036 20130101; G06K 9/18 20130101; G06K 9/228 20130101; G06K
9/00201 20130101; G06K 9/03 20130101; G06K 9/2054 20130101; G06Q
20/322 20130101; G06Q 20/327 20130101; G06K 9/20 20130101; G06K
2209/40 20130101; G06T 17/00 20130101; G06Q 20/4016 20130101; G06K
9/78 20130101; G06K 2209/01 20130101; G06K 9/00469 20130101; G06Q
20/34 20130101; G06K 9/00483 20130101; G06K 9/344 20130101; G06K
9/6202 20130101; G06K 2009/2045 20130101 |
Class at
Publication: |
705/39 |
International
Class: |
G06Q 20/40 20060101
G06Q020/40; G06Q 20/34 20060101 G06Q020/34 |
Claims
1. A computer-implemented method to verify three-dimensional card
models, comprising: receiving, by one or more computing devices, a
digital scan of a card; obtaining, by one or more computing
devices, a plurality of images of the physical card from the
digital scan of the physical card; creating, by one or more
computing devices, a first three-dimensional model of the card
based upon the plurality of images; performing, by the one or more
computing devices, an optical character recognition algorithm on a
plurality of perspectives of the first three-dimensional model;
determining, by the one or more computing devices, a confidence
level of a first result of the application of the optical character
recognition algorithm to the plurality of perspectives of the first
three-dimensional model; comparing, by the one or more computing
devices, the confidence level of the first result to a threshold;
verifying, by the one or more computing devices, the first result
when the confidence level of the first result is greater than or
equal to the threshold; receiving, by the one or more computing
devices, additional images based at least in part on a
determination that the confidence level is lower than the
threshold; creating, by one or more computing devices, a second
three-dimensional model; performing, by the one or more computing
devices, the optical character recognition algorithm on a plurality
of perspectives of the second three-dimensional model; determining,
by the one or more computing devices, a confidence level of a
result of the application of the optical character recognition
algorithm to the second three-dimensional model; comparing, by the
one or more computing devices, the confidence level of the second
result to a threshold; and verifying, by the one or more computing
devices, the second result when the confidence level of the first
result is greater than or equal to the threshold;
2. The method of claim 1, further comprising: comparing, by the one
or more computing devices, results of the application of the
optical character recognition algorithm for first and second
three-dimensional models; determining, by the one or more computing
devices, if a configured threshold of the results for each of the
plurality of three-dimensional models match each other; verifying,
by the one or more computing devices, the results when the results
for each of the plurality of three-dimensional models match each
other; and verifying, by the one or more computing devices, the
results with the highest confidence level when the results do not
match each other.
3. The method of claim 1, wherein the at least one additional
images are accessed from the obtained images.
4. The method of claim 1, wherein the additional images are
obtained via a second scan of the card.
5. The method of claim 1, wherein only the additional images are
used to create the second three-dimensional model.
6. The method of claim 1, wherein the digital scan is received from
a camera.
7. The method of claim 1, wherein the digital scan comprises a
video or a plurality of still images.
8. The method of claim 1, wherein the card is a credit card, a
debit card, an identification card, a loyalty card, an access card,
or a stored value card.
9. A computer program product, comprising: a non-transitory
computer-readable storage device having computer-executable program
instructions embodied thereon that when executed by a computer
cause the computer to verify three-dimensional card models,
comprising: computer-readable program instructions to receive a
digital scan of a card; computer-readable program instructions to
obtain a plurality of images of the physical card from the digital
scan of the physical card; computer-readable program instructions
to create a first three-dimensional model of the card based upon
the plurality of images; computer-readable program instructions to
perform an optical character recognition algorithm on a plurality
of perspectives of the first three-dimensional model;
computer-readable program instructions to determine a confidence
level of a first result of the application of the optical character
recognition algorithm to the plurality of perspectives of the first
three-dimensional model; computer-readable program instructions to
compare the confidence level of the first result to a threshold;
computer-readable program instructions to verify the first result
when the confidence level of the first result is greater than or
equal to the threshold; computer-readable program instructions to
receive additional images based at least in part on a determination
that the confidence level is lower than the threshold;
computer-readable program instructions to create a second
three-dimensional model; computer-readable program instructions to
perform the optical character recognition algorithm on a plurality
of perspectives of the second three-dimensional model;
computer-readable program instructions to determine a confidence
level of a result of the application of the optical character
recognition algorithm to the second three-dimensional model;
computer-readable program instructions to compare the confidence
level of the second result to a threshold; and computer-readable
program instructions to verify the second result when the
confidence level of the first result is greater than or equal to
the threshold.
10. The computer program product of claim 9, further comprising:
computer-readable program instructions to compare results of the
application of the optical character recognition algorithm for
first and second three-dimensional models; computer-readable
program instructions to determine if a configured threshold of the
results for each of the plurality of three-dimensional models match
each other; computer-readable program instructions to verify the
results when the results for each of the plurality of
three-dimensional models match each other; and computer-readable
program instructions to verify the results with the highest
confidence level when the results do not match each other.
11. The computer program product of claim 9, wherein the at least
one additional images are accessed from the obtained images.
12. The computer program product of claim 9, wherein the additional
images are obtained via a second scan of the card.
13. The computer program product of claim 9, wherein only the
additional images are used to create the second three-dimensional
model.
14. The computer program product of claim 9 wherein the card is a
credit card, a debit card, an identification card, a loyalty card,
an access card, or a stored value card.
15. A system to verify three-dimensional card models, the system
comprising: a storage resource; a processor communicatively coupled
to the storage resource, wherein the processor is configured to
execute computer-readable instructions that are stored in the
storage resource and that cause the system to: receive a digital
scan of a card; obtain a plurality of images of the physical card
from the digital scan of the physical card; create a first
three-dimensional model of the card based upon the plurality of
images; perform an optical character recognition algorithm on a
plurality of perspectives of the first three-dimensional model;
determine a confidence level of a first result of the application
of the optical character recognition algorithm to the plurality of
perspectives of the first three-dimensional model; compare the
confidence level of the first result to a threshold; verify the
first result when the confidence level of the first result is
greater than or equal to the threshold; receive additional images
based at least in part on a determination that the confidence level
is lower than the threshold; create a second three-dimensional
model; perform the optical character recognition algorithm on a
plurality of perspectives of the second three-dimensional model;
and determine a confidence level of a result of the application of
the optical character recognition algorithm to the second
three-dimensional model.
16. The system of claim 15, further comprising computer-executable
program instructions that cause the system to: compare results of
the application of the optical character recognition algorithm for
first and second three-dimensional models; determine if a
configured threshold of the results for each of the plurality of
three-dimensional models match each other; verify the results when
the results for each of the plurality of three-dimensional models
match each other; and verify the results with the highest
confidence level when the results do not match each other.
17. The system of claim 15, wherein only the additional images are
used to create the second three-dimensional model.
18. The system of claim 15, wherein the digital scan is received
from a camera.
19. The system of claim 15, wherein the digital scan comprises a
video or a plurality of still images.
20. The system of claim 15, wherein the card is a credit card, a
debit card, an identification card, a loyalty card, an access card,
or a stored value card.
Description
RELATED APPLICATION
[0001] This application claims priority under 35 U.S.C. .sctn.119
to U.S. Patent Application No. 61/841,273 filed Jun. 28, 2013 and
entitled "Comparing Extracted Card Data Using Continuous Scanning."
The entire contents of the above-identified application are hereby
fully incorporated herein by reference.
TECHNICAL FIELD
[0002] The technology disclosed herein pertains to extracting
financial card information, and more particularly to using
continuous card scanning to improve accuracy and to prevent
fraud.
BACKGROUND
[0003] When consumers make online purchases or purchases using
mobile devices, they are often forced to enter credit card
information into the mobile device for payment. Due to the small
screen size and keyboard interface on a mobile device, such entry
is generally cumbersome and prone to errors. Users may use many
different cards for purchases, such as credit cards, debit cards,
stored value cards, and other cards. Information entry difficulties
are multiplied for a merchant attempting to process mobile payments
on mobile devices for multiple transactions.
[0004] Current applications for obtaining payment information or
other card data from a payment card require a precise positioning
of the card in the scan. Typically, a box is presented on the user
interface of the user computing device. The user is required to
precisely line the card up with the box to allow the user computing
device to capture an image of the card.
[0005] Current applications do not allow continuous scans, multiple
image blending, and three-dimensional models of the card to be used
for more accurate results and for fraud prevention.
SUMMARY
[0006] The technology of the present disclosure includes
computer-implemented methods, computer program products, and
systems to compare extracted card data from a continuous scan.
Comparing extracted card data 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.
[0007] These and other aspects, objects, features, and advantages
of the example embodiments will become apparent to those having
ordinary skill in the art upon consideration of the following
detailed description of illustrated example embodiments.
BRIEF DESCRIPTION OF THE DRAWINGS
[0008] FIG. 1 is a block diagram depicting a system for extracting
financial account information from a card, in accordance with
certain example embodiments of the technology disclosed herein.
[0009] FIG. 2 is a block flow diagram depicting methods for
extracting financial account information using multiple images, in
accordance with certain example embodiments.
[0010] FIG. 3 is a block flow diagram depicting methods for
extracting financial account information to achieve a configured
confidence threshold, in accordance with certain example
embodiments.
[0011] FIG. 4 is a block flow diagram depicting methods for
extracting financial account information using blended images, in
accordance with certain example embodiments.
[0012] FIG. 5 is a block flow diagram depicting methods for
extracting financial account information using a three-dimensional
model, in accordance with certain example embodiments.
[0013] FIG. 6 is a block flow diagram depicting methods for using a
three-dimensional model of a financial card to prevent fraud, in
accordance with certain example embodiments.
[0014] FIG. 7 is an illustration of a user computing device
displaying an image of a financial card, in accordance with certain
example embodiments.
[0015] FIG. 8 is a block diagram depicting a computing machine and
a module, in accordance with certain example embodiments.
DETAILED DESCRIPTION OF THE EXAMPLE EMBODIMENTS
Overview
[0016] Embodiments herein provide computer-implemented techniques
for allowing a user device to extract financial card information
using optical character recognition ("OCR"). The process of
extracting financial card information may be improved by using
image recognition of multiple images. The OCR application may
compare multiple images and determine if the digits extracted from
the multiple images match. The OCR application may determine a
confidence level of a first image and determine if the confidence
level exceeds a configured threshold. The procedure may be repeated
with additional images until a set of results exceeds the
configured threshold. The OCR application may blend multiple images
into a blended image that provides higher resolution and thus more
accurate digit extraction. Multiple images of the card may be used
to create a three-dimensional ("3D") model of the card. The OCR
application may use the 3D model to more accurately extract the
digits. The 3D model may also be used to prevent fraud. For
example, the OCR application may verify the appearance of a
hologram from various perspectives in the 3D model. A fraudulent
representation of a card will not provide an accurate hologram
appearance.
[0017] Throughout the specification, the general term "card" will
be used to represent any type of physical card instrument, such as
a magnetic stripe card. In example embodiments, the different types
of card represented by "card" can include credit cards, debit
cards, stored value cards, loyalty cards, identification cards, or
any other suitable card representing an account or other record of
a user or other information thereon. Example embodiments described
herein may be applied to the images of other items, such as
receipts, boarding passes, tickets, and other suitable items. The
card may also be an image or facsimile of the card. For example,
the card may be a representation of a card on a display screen or a
printed image of a card.
[0018] The user may employ the card when making a transaction, such
as a purchase, ticketed entry, loyalty check-in, or other suitable
transaction. The user may obtain the card information for the
purpose of importing the account represented by the card into a
digital wallet application module or for other digital account
purposes. The card is typically a plastic card containing the
account information and other data on the card. In many card
embodiments, the customer name, expiration date, and card numbers
are physically embossed on the card. The embossed information is
visible from both the front and back of the card, although the
embossed information is typically reversed on the back of the
card.
[0019] A user may desire to enter the information from the card
into a mobile user computing device or other computing device, for
example, to conduct an online purchase, to conduct a purchase at a
merchant location, to add the information to a wallet application
on a user computing device, or for any other suitable reason. In an
example, the user desires to use a mobile user computing device to
conduct a purchase transaction using a digital wallet application
module executing on the mobile user computing device. The digital
wallet application module may require an input of the details of a
particular user payment account to conduct a transaction with the
particular user payment account or to set up the account. Due to
the small screen size and keyboard interface on a mobile device,
such entry can be cumbersome and error prone. Additionally, a
merchant system may need to capture card information to conduct a
transaction or for other reasons.
[0020] In addition to account identifiers, the front of the card
typically contains logos of the issuer of the card, pictures chosen
by the user or the issuer, other text describing the type or status
of the user account, a security code, and other marketing and
security elements, such as holograms or badges. The user name, card
expiration date, and the account identifier, such as a credit card
number, may be embossed on the front of the card such that the
information protrudes from the front of the card.
[0021] The user employs a mobile phone, digital camera, or other
user computing device to capture a scan of the card associated with
the account that the user desires to input into the user computing
device.
[0022] An OCR application on the user computing device receives a
scan of the card. The scan, or digital scan, may be a video of the
card, a series of images of the card, or data from any other
suitable scanning technology. The image may be obtained from the
camera module of a user computing device, such as the camera on a
mobile phone. The images may be obtained from any digital image
device coupled to the user computing device or any other suitable
digital imaging device. The images may be accessed by the OCR
application on the user computing device from a storage location on
the user storage device, from a remote storage location, or from
any suitable location. All sources capable of providing the image
will be referred to as a "camera."
[0023] An OCR application receives the images of the card from the
camera. The functions of the OCR application may be performed by
any suitable module, hardware, software, or application operating
on the user computing device. Some, or all, of the functions of the
OCR application may be performed by a remote server or other
computing device, such as the server operating in an OCR system.
For example, a digital wallet application module on the user
computing device may obtain the images of the card and transmit the
images to the OCR system for processing. In another example, some
of the OCR functions may be conducted by the user computing device
and some by the OCR system or another remote server. Examples
provided herein may indicate that many of the functions are
performed by an OCR application on the user computing device, but
some or all of the functions may be performed by any suitable
computing device.
[0024] The image of the card is presented on the user interface of
the user computing device as a live video image of the financial
card. The OCR application can isolate and store one or more images
from the video feed of the camera. The OCR application may store a
scan of the card as a video or other suitable format comprising
multiple images of the card. For example, the user may hover the
camera function of a user computing device over a financial card
and observe the representation of the financial card on the user
interface of the user computing device. The user may actuate a real
or virtual button on the user computing device to capture a
preferred image or group of images. The OCR application may select
the preferred images automatically.
[0025] In certain examples, some or all of the functions described
are performed while the scan is active. For example, the user may
hover the camera of a user computing device over the card and the
methods described herein are performed with live images of the
card. That is, the OCR application captures and utilizes images
from the active feed of the camera.
[0026] The OCR application, the camera module, or the user
computing device, or other computing device performs blur detection
on the images. The image may be recognized as blurry, overly
bright, overly dark, or otherwise obscured in a manner that
prevents a high resolution image from being obtained. The OCR
application, or other function of the user computing device or the
camera, may adjust the image capturing method to reduce the blur in
the image. For example, the OCR application may direct the camera
to adjust the focus on the financial card. In another example, the
OCR application may direct the user to move the camera closer to,
or farther away from, the financial card. In another example, the
OCR application may perform a digital image manipulation to remove
the blur. Any other method of correcting a blurred image can be
utilized.
[0027] The OCR application isolates the boundaries of the card or
otherwise isolates the images. The OCR application can use any
image data manipulation or image extraction to isolate the card in
the images.
[0028] In an example embodiment, the OCR application isolates a set
of images for comparison. The number of images used may vary based
on available processing capabilities, user preference, image
resolution, or any suitable factor.
[0029] The OCR application may crop the images to display only the
desired information from the card. In an example, if the card in
the image is a credit card, the OCR application accesses
information associated with the expected location of the account
number of a credit card. The expected location may be obtained from
a database of card layouts stored on the user computing device or
in another suitable location. For example, credit cards, driver's
licenses, loyalty cards, and other cards typically meet an industry
standard for the data locations and the layout of the card. The
industry standards may be stored in the OCR application or in a
location accessible by the OCR application.
[0030] The OCR application applies an OCR algorithm to the card
image to identify the information on the card. The information may
be digits, characters, or other data or information. Each instance
of information will be referred to as a "digit." The OCR algorithm
may represent any process, program, method, or other manner of
recognizing the digits represented on the card image. The OCR
application extracts the digits and may display the extracted
digits on the user interface of the user computing device. The OCR
application may categorize groups of digits into categories such as
account numbers, user name, expiration date, card issuer, or other
suitable data. The OCR application may categorize the groups of
digits by comparing the formats of groups of digits to a database
of formats. For example, if the results of the OCR algorithm on a
group of digits is " 10/15", then the OCR application may interpret
the format as being associated with an expiration date.
[0031] The OCR application compares the results from applying the
OCR algorithm to each of the images. The OCR application determines
if the results match. For example, the OCR application may compare
the results for each category and determine if the same digits were
produced for each category. For example, if the user name is
determined to be "John D Smith" in each of the images, then the OCR
application determines that the name is correctly extracted. The
OCR application may compare the results for every digit or group of
digits on the images. The OCR application may compare the results
for a configured number of images. For example, the OCR application
may compare the results for 3 or 4 images from the scan of the
card. Any suitable number of images may be compared based on user
preference, OCR application capabilities, user computing device
processing capacity, time restraints, or any other suitable
limiting factor.
[0032] The user, the OCR application, or another suitable party may
set a threshold percentage of the results that must match for the
information to be accepted. For example, if 3 of the 4 results
indicate that the user name is "John Smith," but a single result
indicated that the user name was "Jahn Smith," then the OCR
application may determine that 3 out of 4 is sufficient to declare
a match. Alternatively, the OCR application may require that all
digits on all images match.
[0033] If the comparison indicates that the results of the OCR
algorithm on each of images are the same, then the OCR application
determines that the results are accurate. If the comparison
indicates that the results are different for at least one of the
images, then the OCR application may reject the results, apply the
OCR algorithm to the images again, or obtain additional images.
[0034] For example, the OCR application may access additional
images from the scan stored in the user computing device or in
another suitable location. In another example, the OCR application
may scan the card again and capture additional images for analysis.
Any other suitable method may be utilized to obtain additional
images. The OCR application may use the same number of images for
the subsequent comparison or the OCR application may change the
number of images analyzed.
[0035] The OCR application applies the OCR algorithm to the new
images or reapplies the OCR algorithm to the previous images. The
OCR application may continue the process of comparing the results
of the OCR algorithm until a set of results match. The OCR
application may repeat the method described herein for a configured
number of attempts. For example, the OCR application may attempt to
obtain matching results for 2 or 3 additional sets of images. The
OCR application may then reject the results or provide further
instructions to the user.
[0036] The OCR application supplies the extracted data to a digital
wallet application module, point of sale terminal, payment
processing system, website, or any suitable application or system
that the user desires. The extracted data may be used by an
application on the user computing device. The extracted data may be
transmitted via an Internet connection over the network, via a near
field communication ("NFC") technology, emailed, texted, or
transmitted in any suitable manner.
[0037] In another example embodiment, the OCR application isolates
a first image from the scan of the card. The OCR application may
select an image that is determined to be the least blurry, the most
bright, or in any suitable manner is a preferred image. The user
may select the first image. Any other manner of selecting the first
image can be utilized.
[0038] The OCR application applies an OCR algorithm to the card
image to identify the information on the card as described
herein.
[0039] The OCR application determines the confidence level of the
results of the OCR algorithm. Any manner of assessing a confidence
level may be used. For example, the OCR application may use a
machine learning algorithm to determine the likelihood that a digit
is correct. The machine learning algorithm may be updated with some
or all of the verifications or revisions of the results by the
user.
[0040] In an example, the OCR application may determine the
confidence level for each digit by determining the difference in
the confidence level between the top two digit candidates. That is,
the OCR application may determine that a digit meets many of the
characteristics of a "1" and assess a score to a particular digit
of 80%. The OCR application may determine that the same digit meets
many of the characteristics of a "7" and assess a score to a
particular digit of 60%. Then, the OCR application may assess a
particular confidence level based on the difference between the two
digit scores.
[0041] The OCR application may determine the confidence level for
all of the data on the card based on the confidence levels, or
scores, of the individual digits. For example, the OCR application
may average the digit scores, sum the digit scores, or perform any
other suitable action to the digit scores.
[0042] The OCR application, the user, the OCR system, the payment
processing system, or any suitable party determines a threshold
confidence level for the results of the OCR algorithm. For example,
a user may input a requirement into the OCR application that the
OCR algorithm must produce a result that is 90% likely to be
accurate.
[0043] If the results of the OCR algorithm are over the configured
threshold, then the OCR application supplies the relevant card
information to the requestor, as described herein. If the results
of the OCR algorithm are below the configured threshold, then the
OCR application isolates a second card image.
[0044] The OCR application reapplies the OCR algorithm in the
manner described herein and determines a confidence level for the
second image. The OCR application may repeat the process of
isolating images and applying the OCR algorithm until the results
are over the configured threshold.
[0045] In another example, the OCR application performs the OCR
algorithm on multiple images and compares the confidence level of
the results. The OCR application may select the image with the
highest confidence level as a candidate image and compare the
confidence level to the threshold as described herein. If the
highest confidence level is not above the threshold, then the OCR
application may obtain additional images or pursue any suitable
strategy as described herein.
[0046] In another example, the OCR application performs the OCR
algorithm on multiple images and compares the confidence level of
the results. The OCR application may select the image with the
highest confidence level and verify the results of the selected
image. The results of the selected image, despite being below the
configured threshold, are supplied to the requestor, as described
herein.
[0047] The OCR application may perform any tests to the extracted
data to confirm the validity of the data. For example, the OCR
application may apply a checksum algorithm to the data to verify
that the digits meet the expected format. The OCR application may
check the appropriate digits representing the issuer identification
number ("IIN") against a database to verify that the digits match
an expected IIN. Any suitable verification of the digits may be
performed on the extracted data.
[0048] In another example embodiment, the OCR application blends
card images to improve the resolution of the images. The OCR
application may isolate multiple images of the card as described
herein.
[0049] The OCR application may prepare the images for blending. For
example, the OCR application may align the images to the same
orientation. All of the images may be rotated digitally to be in a
fronto-parallel position or rotated to any orientation similar to
each other. The images may be scaled, or otherwise resized, such
that all of the card images are the same size.
[0050] The OCR application blends the images together to create an
image with a higher resolution than the single images. A general
term for techniques that blend images to form a higher resolution
image is super-resolution. The blending of the images may be
performed via any suitable manipulation of the images. The blending
may be performed by a mathematical computational representation of
the images. Any suitable method of blending digital images into an
image with higher resolution can be employed.
[0051] The OCR application applies the OCR algorithm to the blended
image as described herein. The OCR application determines a
confidence level of the results of the OCR algorithm as described
herein.
[0052] If the results of the OCR algorithm are over the configured
threshold, then the OCR application supplies the relevant card
information to the requestor, as described herein. If the results
of the OCR algorithm are below the configured threshold, then the
OCR application may incorporate additional images in the blended
image. Alternatively, the OCR application may use different images
to create the blended image. Alternatively, the OCR application may
obtain new images from the camera to create a new blended image.
Any suitable manner of producing a new blended image may be
employed.
[0053] The OCR application may reapply the OCR algorithm to the new
blended image and assess the confidence level of the image, as
described herein. The process may be repeated until the confidence
level is achieved or the OCR application rejects the attempt.
[0054] In another example embodiment, the OCR application models
the multiple images in three dimensions and uses the
three-dimensional ("3D") model to improve the accuracy of the OCR
algorithm.
[0055] The OCR application captures multiple images of the card
from various viewing angles and perspectives. The OCR application
captures the images from a scan of the card. For example, the user
may be instructed to hover the camera of a user computing device
over a card and to move the camera in various directions to obtain
the proper perspectives.
[0056] The OCR application models the images of the card in 3D
space. The OCR application may combine, merge, blend, rotate, or
otherwise manipulate the images to produce a 3D model of the card
in the images to allow the images to be realigned to different
perspectives. The 3D model may be created by a digital manipulation
of the images by the OCR application or another computing
device.
[0057] In certain embodiments, the user computing device may be
equipped with two cameras which can directly capture a stereo pair
of images, reducing the need to capture a sequence to build a 3D
model. Other technologies may project an IR pattern into the scene
captured with an IR camera to produce a 3D model. Any other
technology that will produce a 3D model may be utilized.
[0058] The OCR application applies the OCR algorithm to the 3D
model of the card image. The OCR algorithm may be applied in a
similar manner to the methods described herein with two-dimensional
images. The OCR algorithm may be customized for a 3D image.
[0059] The OCR algorithm may be applied to multiple perspectives in
the 3D model or multiple images that comprise the 3D model. The OCR
algorithm may user the multiple perspectives of the model to allow
a better analysis of any embossed digits on the card. The embossed
digits may be interpreted more easily if viewed from multiple
angles, as with a 3D image, than in a traditional fronto-parallel
viewing. As the perspective is varied over the 3D image, the view
of the embossed digits may shift. The OCR algorithm may take
advantage of the shifting view and more accurately analyze the
digits.
[0060] The OCR application determines a confidence level of the
results of the OCR algorithm as described herein.
[0061] If the results of the OCR algorithm are over the configured
threshold, then the OCR application supplies the relevant card
information to the requestor. If the results of the OCR algorithm
are below the configured threshold, then the OCR application may
incorporate additional images in the 3D image. Alternatively, the
OCR application may use different images to create the 3D image.
Alternatively, the OCR application may obtain new images from the
camera to create a new 3D image. Any suitable manner of producing a
new 3D image may be employed.
[0062] In another example, the OCR application performs the OCR
algorithm on multiple 3D images and compares the confidence level
of the results. The OCR application may select the 3D image with
the highest confidence level as a candidate image and compare the
confidence level to the threshold as described herein. If the
highest confidence level is not above the threshold, then the OCR
application may obtain additional 3D images or pursue any suitable
strategy as described herein.
[0063] In another example, the OCR application performs the OCR
algorithm on multiple 3D images and compares the confidence level
of the results. The OCR application may select the 3D image with
the highest confidence level and verify the results of the selected
3D image. The results of the selected 3D image, despite being below
the configured threshold is supplied to the requestor, as described
herein.
[0064] In another example embodiment, the payment processing
system, the OCR application, a merchant server, or another suitable
party uses the 3D model of the card to capture embossed text and
holographic images. The payment processing system represents any
party that uses the 3D model to prevent fraud. Some or all of the
functions of the payment processing system may be performed by the
OCR application or another party. The payment processing system
compares the hologram and embossed text to a standard to prevent a
fraudulent scanning. The 3D model may prevent a fraudulent
two-dimensional representation of the card from being authorized by
the payment processing system. For example, the method disclosed
herein may prevent a user from attempting to scan a photocopy or
picture of a card.
[0065] The OCR application obtains a scan of the card and creates a
3D model of the card as described herein. The OCR application
transmits the 3D model to the payment processing system, the OCR
system, or any suitable requestor of the 3D model. The payment
processing system may use the 3D model to confirm that the card
being scanned is authentic. The OCR application may transmit the 3D
model via an Internet connection over the network, email, text, or
in any suitable manner.
[0066] The payment processing system compares the 3D model to a
database or other storage location. The payment processing system
may access images of the hologram or the embossed letters for a
comparison to the transmitted 3D model. The payment processing
system may compare the 3D model to images related to the type of
card identified by the OCR application, by the user, by the payment
processing system, or by any suitable party. For example, the OCR
application may transmit data identifying the card as a credit card
associated with a particular issuer at the time the 3D model is
transmitted. In another example, the payment processing system
identifies the type of card from the 3D model and uses images
associated with the card type in the database for a comparison.
[0067] The payment processing system may compare the 3D model to
the images in the database in any suitable manner to confirm that
the 3D model matches the standard. In an example, the payment
processing system accesses the stored images of the card type from
particular perspectives. The payment processing system shifts or
rotates the 3D model to obtain perspectives of the 3D model that
match the perspectives of the images from the database. The payment
processing system compares the images to the perspectives of the 3D
model.
[0068] In an example, the payment processing system may determine
whether some or all of the digits are embossed. If the user were
submitting a fraudulent image, such as a flat photocopy of a card,
the digits may not appear as embossed. The payment processing
system may additionally determine if the proper sets of digits are
embossed. In another example, the payment processing system may
determine if the image presented by the hologram at a particular
perspective matches the image of the hologram at that perspective
in the stored image. As the hologram image changes as the
perspective changes, the payment processing system may determine if
the hologram matches at multiple perspectives.
[0069] If the results of the comparison indicate a match between
the 3D model and the stored images, then the payment processing
system supplies an authentication of the card information to a
requestor of the authentication. The requestor may be the payment
processing system, the OCR application, a merchant system, or any
other suitable requestor. If the results of the comparison do not
indicate a match between the 3D model and the stored images, then
the payment processing system may request additional images in the
3D model from the OCR application. Alternatively, the payment
processing system may request different images to create the 3D
model. Any suitable manner of producing a new 3D image may be
employed. Alternatively, the OCR application may reject the
authentication request.
Example System Architecture
[0070] Turning now to the drawings, in which like numerals
represent like (but not necessarily identical) elements throughout
the figures, example embodiments are described in detail.
[0071] FIG. 1 is a block diagram depicting a system for extracting
financial account information with relaxed card alignment and for
extracting financial account information from multiple cards, in
accordance with certain example embodiments. As depicted in FIG. 1,
the system 100 includes network computing devices 110, 120, 140,
and 170 that are configured to communicate with one another via one
or more networks 105. In some embodiments, a user associated with a
device must install an application and/or make a feature selection
to obtain the benefits of the techniques described herein.
[0072] Each network 105 includes a wired or wireless
telecommunication means by which network devices (including devices
110, 120, 140, and 170) can exchange data. For example, each
network 105 can include a local area network ("LAN"), a wide area
network ("WAN"), an intranet, an Internet, a mobile telephone
network, or any combination thereof. Throughout the discussion of
example embodiments, it should be understood that the terms "data"
and "information" are used interchangeably herein to refer to text,
images, audio, video, or any other form of information that can
exist in a computer-based environment.
[0073] Each network computing device 110, 120, 140, and 170
includes a device having a communication module capable of
transmitting and receiving data over the network 105. For example,
each network device 110, 120, 140, and 170 can include a server,
desktop computer, laptop computer, tablet computer, a television
with one or more processors embedded therein and/or coupled
thereto, smart phone, handheld computer, personal digital assistant
("PDA"), or any other wired or wireless, processor-driven device.
In the example embodiment depicted in FIG. 1, the network devices
110, 120, 140, and 170 are operated by end-users or consumers, OCR
system operators, and payment processing system operators, and card
issuer operators, respectively.
[0074] The user 101 can use the communication application 112,
which may be, for example, a web browser application or a
stand-alone application, to view, download, upload, or otherwise
access documents or web pages via a distributed network 105. The
network 105 includes a wired or wireless telecommunication system
or device by which network devices (including devices 110, 120,
140, and 170) can exchange data. For example, the network 105 can
include a local area network ("LAN"), a wide area network ("WAN"),
an intranet, an Internet, storage area network (SAN), personal area
network (PAN), a metropolitan area network (MAN), a wireless local
area network (WLAN), a virtual private network (VPN), a cellular or
other mobile communication network, Bluetooth, NFC, or any
combination thereof or any other appropriate architecture or system
that facilitates the communication of signals, data, and/or
messages.
[0075] The user computing device 110 may employ a communication
module 112 to communicate with the web server 124 of the OCR system
120 or other servers. The communication module 112 may allow
devices to communicate via technologies other than the network 105.
Examples might include a cellular network, radio network, or other
communication network.
[0076] The user device 110 may include a digital wallet application
module 111. The digital wallet application module 111 may encompass
any application, hardware, software, or process the user device 110
may employ to assist the user 101 in completing a purchase. The
digital wallet application module 111 can interact with the
communication application 112 or can be embodied as a companion
application of the communication application 112. As a companion
application, the digital wallet application module 111 executes
within the communication application 112. That is, the digital
wallet application module 111 may be an application program
embedded in the communication application 112.
[0077] The user device 110 may include an optical character
recognition ("OCR") application 115. The OCR application 115 may
interact with the communication application 112 or be embodied as a
companion application of the communication application 112 and
execute within the communication application 112. In an exemplary
embodiment, the OCR application 115 may additionally or
alternatively be embodied as a companion application of the digital
wallet application module 111 and execute within the digital wallet
application module 111. The OCR application 115 may employ a
software interface that may open in the digital wallet application
111 or may open in the communication application 112. The interface
can allow the user 101 to configure the OCR application 115.
[0078] The OCR application 115 may be used to analyze a card and
extract information or other data from the card. The OCR system 120
or other system that develops the OCR algorithms or other methods
may include a set of computer-readable program instructions, for
example, using JavaScript, that enable the OCR system 120 to
interact with the OCR application 115.
[0079] Any of the functions described in the specification as being
performed by the OCR application 115 can be performed by the
payment processing system 140, the OCR system 120, the user
computing device 110, the digital wallet application module 111, a
merchant system (not pictured) or any other suitable hardware or
software system or application. In an example, the OCR application
115 on the user computing device 110 may obtain an image of a card
102 and transmit the image to the OCR system 120 to extract the
information on the card 102.
[0080] The user device 110 includes a data storage unit 113
accessible by the OCR application 115, the web browser application
112, or any suitable computing device or application. The exemplary
data storage unit 113 can include one or more tangible
computer-readable media. The data storage unit 113 can be stored on
the user device 110 or can be logically coupled to the user device
110. For example, the data storage unit 113 can include on-board
flash memory and/or one or more removable memory cards or removable
flash memory.
[0081] The user device 110 may include a camera 114. The camera may
be any module or function of the user computing device 110 that
obtains a digital image. The camera 114 may be onboard the user
computing device 110 or in any manner logically connected to the
user computing device 110. The camera 114 may be capable of
obtaining individual images or a video scan. Any other suitable
image capturing device may be represented by the camera 114.
[0082] The payment processing computing system 140 includes a data
storage unit 147 accessible by the web server 144. The example data
storage unit 147 can include one or more tangible computer-readable
storage devices. The payment processing system 140 is operable to
conduct payments between a user 101 and a merchant system (not
pictured). The payment processing system 140 is further operable to
manage a payment account of a user 101, maintain a database to
store transactions of the merchant system and the user 101, verify
transactions, and other suitable functions.
[0083] The user 101 may use a web server 144 on the payment
processing system 140 to view, register, download, upload, or
otherwise access the payment processing system 140 via a website
(not illustrated) and a communication network 105). The user 101
associates one or more registered financial card accounts,
including bank account debit cards, credit cards, gift cards,
loyalty cards, coupons, offers, prepaid offers, store rewards
cards, or other type of financial account that can be used to make
a purchase or redeem value-added services with a payment account of
the user 101.
[0084] A card issuer, such as a bank or other institution, may be
the issuer of the financial account being registered. For example,
the card issuer may be a credit card issuer, a debit card issuer, a
stored value issuer, a financial institution providing an account,
or any other provider of a financial account. The payment
processing system 140 also may function as the issuer for the
associated financial account. The user's 101 registration
information is saved in the payment processing system's 140 data
storage unit 147 and is accessible the by web server 144. The card
issuer employs a card issuer computing system 170 to issue the
cards, manage the user account, and perform any other suitable
functions. The card issuer system 170 may alternatively issue cards
used for identification, access, verification, ticketing, or cards
for any suitable purpose. The card issuer system 170 may employ a
web server 174 to manage the user account and issue cards 102.
[0085] The OCR computing system 120 utilizes an OCR system web
server 124 operating a system that produces, manages, stores, or
maintains OCR algorithms, methods, processes, or services. The OCR
system web server 124 may represent the computer implemented system
that the OCR system 120 employs to provide OCR services to user
computing devices 110, merchants, or any suitable part. The OCR
system web server 124 can communicate with one or more payment
processing systems 140, a user device 110, or other computing
devices via any available technologies. These technologies may
include, but would not be limited to, an Internet connection via
the network 105, email, text, instant messaging, or other suitable
communication technologies. The OCR system 120 may include a data
storage unit 127 accessible by the web server 124 of the OCR system
120. The data storage unit 127 can include one or more tangible
computer-readable storage devices.
[0086] Any of the functions described in the specification as being
performed by the OCR system 120 can be performed by the OCR
application 115, the user computing device 110, or any other
suitable hardware or software system or application.
[0087] The user 101 may employ the card 102 when making a
transaction, such as a purchase, ticketed entry, loyalty check-in,
or other suitable transaction. The user 101 may obtain the card
information for the purpose of importing the account represented by
the card 102 into a digital wallet application module 111 of a
computing device 110 or for other digital account purposes. The
card 102 is typically a plastic card containing the account
information and other data on the card 102. In many card 102
embodiments, the customer name, expiration date, and card numbers
are physically embossed on the card 102. The embossed information
is visible from both the front and back of the card 102, although
the embossed information is typically reversed on the back of the
card 102.
[0088] It will be appreciated that the network connections shown
are exemplary and other means of establishing a communications link
between the computers and devices can be used. Moreover, those
having ordinary skill in the art having the benefit of the present
disclosure will appreciate that the user device 110, OCR system
120, payment processing system 140, and card issuer system 170
illustrated in FIG. 1 can have any of several other suitable
computer system configurations. For example, a user device 110
embodied as a mobile phone or handheld computer may not include all
the components described above.
Example Processes
[0089] The example methods illustrated in FIG. 2-6 are described
hereinafter with respect to the components of the example operating
environment 100. The example methods of FIG. 2-6 may also be
performed with other systems and in other environments.
[0090] FIG. 2 is a block flow diagram depicting a method 200 for
extracting financial account information using multiple images, in
accordance with certain example embodiments.
[0091] With reference to FIGS. 1 and 2, in block 205, optical
character recognition ("OCR") application 115 on the user device
110 obtains a digital scan or a set of images of a card 102. The
image may be obtained from the camera 114 module of a user
computing device 110, such as the camera 114 on a mobile phone. The
images may be obtained from any digital image device coupled to the
user computing device 110 or any other suitable digital imaging
device. The images may be accessed by the OCR application 115 on
the user computing device 110 from a storage location on the user
storage device 110, from a remote storage location, or from any
suitable location. All sources capable of providing the image will
be referred to as a "camera."
[0092] An OCR application 115 receives the images of the card 102
from the camera 114. The functions of the OCR application 115 may
be performed by any suitable module, hardware, software, or
application operating on the user computing device 110. Some, or
all, of the functions of the OCR application 115 may be performed
by a remote server or other computing device, such as the server
124 operating in an OCR system 120. For example, a digital wallet
application module 111 on the user computing device 110 may obtain
the images of the card 102 and transmit the images to the OCR
system 120 for processing. In another example, some of the OCR
functions may be conducted by the user computing device 110 and
some by the OCR system 120 or another remote server. Examples
provided herein may indicate that many of the functions are
performed by an OCR application 115 on the user computing device
110, but some or all of the functions may be performed by any
suitable computing device.
[0093] The image of the card 102 is presented on the user interface
of the user computing device 110 as, for example, a live video
image of the card 102. The OCR application 115 may isolate and
store one or more images from the video feed of the camera 114. The
OCR application 115 may store a scan of the card 102 as a video or
other suitable format comprising multiple images of the card 102.
For example, the user 101 may hover the camera 114 of a user
computing device 110 over a financial card 102 and observe the
representation of the financial card 102 on the user interface of
the user computing device 110. The user 101 may actuate a real or
virtual button on the user computing device 110 to capture a
preferred image, a group of images, or a digital scan. The OCR
application 115 may select the preferred images automatically.
[0094] In certain examples, some or all of the functions described
are performed while the scan is active. For example, the user 101
may hover the camera 114 of a user computing device 110 over the
card and the methods described herein are performed with live
images of the card 102. That is, the OCR application 115 captures
and utilizes images from the active feed of the camera 114.
[0095] An illustration of the card 102 displayed on the user
computing device 110 is presented in FIG. 7.
[0096] FIG. 7 is an illustration of a user computing device 110
displaying an image of a financial card, in accordance with certain
example embodiments. The user computing device 110 is shown as a
mobile smartphone. The user computing device 110 is shown with a
display screen 705 as a user interface. The card 102 is shown
displayed on the user computing device 110.
[0097] Returning to FIG. 2, in block 210, the OCR application 115
isolates the image of the card. Any image data manipulation or
image extraction may be used to isolate the card image.
[0098] The OCR application 115, the camera module 114, or the user
computing device 110, or other computing device performs blur
detection on the images. The image may be recognized as blurry,
overly bright, overly dark, or otherwise obscured in a manner that
prevents a high resolution image from being obtained. The OCR
application 115, or other function of the user computing device 110
or the camera 114, may adjust the image capturing method to reduce
the blur in the image. For example, the OCR application 115 may
direct the camera 114 to adjust the focus on the financial card
102. In another example, the OCR application 115 may direct the
user 101 to move the camera 114 closer to, or farther away from,
the card 102. In another example, the OCR application 115 may
perform a digital image manipulation to remove the blur. Any other
method of correcting a blurred image can be utilized.
[0099] In block 215, the OCR application 115 may crop the image to
display only the desired information from the card 102. For
example, if the card 102 in the image is a credit card, the OCR
application 115 accesses information associated with the expected
location of the account number of a credit card. The expected
location may be obtained from a database of card layouts stored on
the user computing device 110 or in another suitable location.
Credit cards, driver's licenses, loyalty cards, and other cards
typically meet an industry standard for the data locations and the
layout of the card. The industry standards may be stored in the OCR
application 115 or in a location accessible by the OCR application
115. In certain circumstances, the data locations may be provided
by the issuer of the card 102.
[0100] In block 220, the OCR application 115 applies an OCR
algorithm to two or more of the card images to identify the
information on the card 102. The information may be digits,
characters, or other data or information. Each instance of
information or data will be referred to as a "digit." The OCR
algorithm may represent any process, program, method, or other
manner of recognizing the digits represented on the card image. The
OCR application 115 extracts the digits and may display the
extracted digits on the user interface of the user computing device
110. The groups may be sorted into categories such as account
numbers, user name, expiration date, card issuer, or other suitable
data. The OCR application 115 may categorize the groups of digits
by comparing the formats of groups of digits to a database of
formats. For example, if the results of the OCR algorithm on a
group of digits is " 10/15", then the OCR application may interpret
the format as being associated with an expiration date.
[0101] In block 225, the OCR application 115 compares the results
from applying the OCR algorithm to each of the images. The OCR
application 115 determines if the results match. For example, the
OCR application 115 may compare the results for each category of
digits on the images to determine if the same digits were produced
for each category for each of the compared images. For example, if
the user name is determined to be "John D Smith" in each of the
images, then the OCR application 115 determines that the name is
correctly extracted. The OCR application 115 may compare the
results for every digit or group of digits on the images. The OCR
application 115 may compare the results for a configured number of
images. For example, the OCR application 115 may compare the
results for 3 or 4 images from the scan of the card. Any suitable
number of images may be compared based on user preference, OCR
application 115 capabilities, user computing device 110 processing
capacity, time restraints, or any other suitable limiting
factor.
[0102] The user, the OCR application 115, or another suitable party
may set a threshold percentage of the results that must match for
the information to be accepted. For example, if 3 of the 4 results
indicate that the user name is "John Smith," but a single result
indicated that the user name was "Jahn Smith," then the OCR
application 115 may determine that 3 out of 4 is sufficient to
declare a match. Alternatively, the OCR application 115 may require
that all digits on all images match.
[0103] In block 230, the method 200 determines if the result of the
comparison produced matching data. If the result was a match, then
the method 200 follows the "YES" branch of block 230 to block 235.
If the result was not a match, then the method 200 may reject the
results, apply the OCR algorithm to the images again, or obtain
additional images.
[0104] In an example, the method 200 follows the "NO" branch of
block 230 to block 210. The OCR application 115 may access
additional images from the scan stored in the user computing device
110 or in another suitable location. The OCR application 115 may
access additional images from the live scan. In another example,
the OCR application 115 may scan the card again and capture
additional images for analysis. Any other suitable method may be
utilized to obtain additional images. The OCR application 115 may
use the same number of images for the subsequent comparison or the
OCR application 115 may change the number of images analyzed.
[0105] The OCR application 115 performs the OCR algorithm on the
new images or reapplies the OCR algorithm to the previous images.
The OCR application 115 may continue the process of comparing the
results of the OCR algorithm until a set of results match. The OCR
application 115 may repeat the method described herein for a
configured number of attempts. For example, the OCR application 115
may attempt to obtain matching results for 2 or 3 additional sets
of images. The OCR application 115 may then reject the results or
provide further instructions to the user 101.
[0106] In block 235, the OCR application 115 supplies the extracted
data to a digital wallet application module 111, point of sale
terminal, payment processing system 140, website, or any suitable
application or system that the user 101 desires. The extracted data
may be used by an application on the user computing device 110. The
extracted data may be transmitted via an Internet connection over
the network 105, via a near field communication ("NFC") technology,
emailed, texted, or transmitted in any suitable manner.
[0107] FIG. 3 is a block flow diagram depicting a method 300 for
extracting financial account information to achieve a configured
confidence threshold, in accordance with certain example
embodiments. In block 205, the OCR application 115 obtains a
digital scan of a card as described in block 205 of FIG. 2.
[0108] In block 310, the OCR application 115 isolates a first image
from the scan of the card 102. The OCR application 115 may select
an image that is determined to be the least blurry, the most
bright, or in any suitable manner is a preferred image. The user
101 may manually select the first image. Any other manner of
selecting the first image can be utilized.
[0109] In block 215 and 220, the OCR application 115 crops the
image and performs an OCR algorithm on the card image on the card
as described in blocks 215 and 220 in method 200 of FIG. 2.
[0110] In block 325, the OCR application 115 compares the
confidence level of the results of the OCR algorithm to a
configured threshold.
[0111] The OCR application 115 determines the confidence level of
the results of the OCR algorithm. Any manner of assessing a
confidence level may be used. For example, the OCR application 115
may use a machine learning algorithm to determine the likelihood
that a digit is correct. The machine learning algorithm may be
updated with some or all of the verifications or revisions of the
results by the user 101.
[0112] In an example, the OCR application 115 may determine the
confidence level for each digit by determining the difference in
the confidence level between the top two digit candidates. That is,
the OCR application 115 may determine that a digit meets many of
the characteristics of a "1" and assess a score to the particular
digit of 80%. The OCR application 115 may determine that the same
digit meets many of the characteristics of a "7" and assess a score
to the particular digit of 60%. Then, the OCR application 115 may
assess a particular confidence level based at least in part on the
difference between the two digit scores.
[0113] The OCR application 115 may determine the confidence level
for all of the data on the card based on the confidence levels, or
scores, of the individual digits. For example, the OCR application
115 may average the digit scores, sum the digit scores, or perform
any other suitable action to the digit scores.
[0114] The OCR application 115, the user 101, the OCR system 120,
the payment processing system 140, or any suitable party determines
a threshold confidence level for the results of the OCR algorithm.
For example, a user 101 may input a requirement into the OCR
application 115 that the OCR algorithm must produce a result that
is 90% likely to be accurate.
[0115] In block 330, the method 300 determines if the results of
the OCR algorithm are equal to or greater than the configured
threshold. If a result is equal to or greater than the configured
threshold, then the method 300 follows the "YES" branch of block
330 to block 235. If the result is below the configured threshold,
then the method 300 follows the "NO" branch of block 330 to block
340.
[0116] Following the NO branch to block 340, the OCR application
115 isolates a second card image. The image may be obtained from
stored images from the first scan or a subsequent scan. The image
may be obtained from a live scan that provides images in a video
feed to the user computing device 110. The image may be obtained
from any suitable source.
[0117] The OCR application 115 reapplies the OCR algorithm in the
manner described in blocks 215, 220, and 325. A confidence level
for the second image is determined and compared to the configured
threshold as in block 330 described herein. The OCR application 115
may repeat the process of isolating images and applying the OCR
algorithm until the result of a particular image is over the
configured threshold.
[0118] Additionally or alternatively, the OCR application 115
performs the OCR algorithm on multiple images and compares the
confidence level of the results. The OCR application 115 may select
the image with the highest confidence level as a candidate image
and compare the confidence level to the threshold as described
herein. If the highest confidence level is not above the threshold,
then the OCR application 115 may obtain additional images or pursue
any suitable strategy as described herein.
[0119] In another example, the OCR application 115 performs the OCR
algorithm on multiple images and compares the confidence level of
the results. The OCR application 115 may select the image with the
highest confidence level and verify the results of the selected
image. The results of the selected image, despite the possibility
of being below the configured threshold, are supplied to the
requestor, as described in block 235.
[0120] The OCR application 115 may apply any tests to the extracted
data to confirm the validity of the data. For example, the OCR
application 115 may apply a checksum algorithm to the data to
verify that the digits meet the expected format. The OCR
application 115 may check the appropriate digits representing the
issuer identification number ("IIN") against a database to verify
that the digits match an expected IIN. Any suitable verification of
the digits may be performed on the extracted data.
[0121] Following the YES branch of block 330 to block 235, the OCR
application 115 supplies the extracted data to a requestor as
described in block 235 of FIG. 2.
[0122] FIG. 4 is a block flow diagram depicting a method 400 for
extracting financial account information using blended images, in
accordance with certain example embodiments.
[0123] In block 205 and 210, the OCR application 115 obtains a
digital scan of a card and isolates multiple images of the card as
described herein in blocks 205 and 210 of FIG. 2.
[0124] In block 415, the OCR application 115 aligns the images to
the same orientation. All of the images may be rotated digitally to
be in a fronto-parallel position or rotated to any orientation
similar to each other. The images may be scaled, or otherwise
resized, such that all of the card images are the same size. Any
other digital manipulation of the images may be performed to
standardize the size, shape, and perspective of the images to allow
them to be blended.
[0125] In block 417, the OCR application 115 blends the images
together to create an image with a higher resolution than the
single images. The blending of the images may be performed via any
suitable manipulation of the images. The blending may be performed
by a mathematical computational representation of the images.
Blending two images may produce an image with twice the number of
pixels in the image. Any suitable method of blending digital images
into an image with higher resolution can be employed.
[0126] In block 220, the OCR application 115 applies the OCR
algorithm to the blended image as described in block 220 of FIG.
2.
[0127] In block 325, the OCR application 115 compares the results
of the OCR algorithm to a configured confidence threshold as
described in block 325 of FIG. 3.
[0128] In block 330, the OCR application determines if the results
of the OCR algorithm are equal to or greater than the configured
threshold as described in block 330 of FIG. 3. If a result is equal
to or greater than the configured threshold, then the method 500
follows the "YES" branch of block 330 to block 235. If the result
is below the configured threshold, then the method 400 follows the
"NO" branch of block 330 to block 440.
[0129] Following the NO branch to block 440, the OCR application
115 may incorporate additional images in the blended image.
Alternatively, the OCR application 115 may use different, stored
images to create a new blended image. Alternatively, the new images
may be obtained from the camera to create a new blended image.
[0130] The OCR application 115 may align the images and blend the
images as described in blocks 415 and 417. Any suitable manner of
producing a new blended image may be employed.
[0131] The OCR application 115 may reapply the OCR algorithm to the
new blended image and assess the confidence level of the image, as
described in blocks 220 and 325. The process may be repeated until
a result is produced that equals or exceeds the confidence level or
the OCR application rejects the attempt.
[0132] Additionally or alternatively, the OCR application 115
performs the OCR algorithm on multiple blended images and compares
the confidence level of the results. The OCR application 115 may
select the blended image with the highest confidence level as a
candidate image and compare the confidence level to the threshold
as described herein. If the highest confidence level is not above
the threshold, then the OCR application 115 may obtain additional
blended images or pursue any suitable strategy as described
herein.
[0133] In another example, the OCR application 115 performs the OCR
algorithm on multiple blended images and compares the confidence
level of the results. The OCR application 115 may select the
blended image with the highest confidence level and verify the
results of the selected image. The results of the selected image,
despite possibly being below the configured threshold, are supplied
to the requestor, as described in block 235.
[0134] The OCR application 115 may perform any tests to the
extracted data to confirm the validity of the data. For example,
the OCR application 115 may apply a checksum algorithm to the data
to verify that the digits meet the expected format. The OCR
application 115 may check the appropriate digits representing the
issuer identification number ("IIN") against a database to verify
that the digits match an expected IIN. Any suitable verification of
the digits may be performed on the extracted data.
[0135] Following the YES branch of block 330 to block 235, the OCR
application 115 supplies the extracted data to a requestor as
described in block 235 of FIG. 2.
[0136] FIG. 5 is a block flow diagram depicting a method 500 for
extracting financial account information using a three-dimensional
("3D") model, in accordance with certain example embodiments.
[0137] In block 205 and 210, the OCR application 115 obtains a
digital scan of a card and isolates multiple images of the card as
described herein in blocks 205 and 210 of FIG. 2. The OCR
application 115 captures and stores images of the card 102 from
various viewing angles and perspectives. The user 101 may be
requested to hover the camera 114 of a user computing device 110
over a card and to move the camera 114 in various directions to
obtain the proper perspectives.
[0138] In block 515, the OCR application 115 models the images of
the card in 3D space. The OCR application 115 may combine, merge,
blend, rotate, or otherwise manipulate the images to produce a 3D
model of the card 102 in the images. The 3D model allows the view
of the images to be realigned to different perspectives. The 3D
model may be created by a digital manipulation of the images by the
OCR application 115 or another computing device.
[0139] The 3D model is created by developing a mathematical
representation of any three-dimensional surface of object. The
product is called a 3D model. The 3D model may be displayed as a
two-dimensional image through a process called 3D rendering.
[0140] When creating a 3D model, the OCR application 115 is unable
to determine which point on a line corresponds to the image point
from a single image. If two images are available, then the position
of a 3D point can be found as the intersection of the two
projection rays. The process is referred to as triangulation. If
the OCR application 115 obtains multiple images from the camera
114, a detailed 3D model may be created from triangulating the many
points on the images. The triangulation of the points allows the
OCR application 115 to determine the depth of each point in the
two-dimensional images. Once the multiple depth maps are created,
the OCR application 115 combines the maps to create a final mesh by
calculating depth and projecting out of the camera 114.
[0141] The 3D model may be rotated, zoomed, or in any manner
manipulated to allow the OCR application 115 to view perspectives
of the card 102 that are unavailable to a viewer of a
two-dimensional image.
[0142] In block 520, the OCR application applies the OCR algorithm
to the 3D model of the card image. The OCR algorithm may be applied
in a similar manner to the methods described in block 220 of FIG. 2
with two-dimensional images. The OCR algorithm may be customized
for a 3D image.
[0143] In block 325, the OCR application compares the results of
the OCR algorithm to a configured confidence threshold as described
in block 325 of FIG. 3.
[0144] In block 330, the method 500 determines if the results of
the OCR algorithm are equal to or greater than the configured
threshold. If a result is equal to or greater than the configured
threshold, then the method 500 follows the "YES" branch of block
330 to block 235. If the result is below the configured threshold,
then the method 300 follows the "NO" branch of block 330 to block
540.
[0145] Following the NO branch to block 540, the OCR application
115 obtains additional images of the card 102 for the 3D model. The
images may be obtained from stored images from the first scan or a
subsequent scan. The images may be obtained from a live scan that
provides images in a video feed to the user computing device 110.
The image may be obtained from any suitable source.
[0146] Returning to block 515, the OCR application 115 incorporates
the additional images into the 3D model or creates a new 3D model
including the additional images. The OCR application 115 may create
a new 3D model with the additional images. The new 3D model may
incorporate some or all of the previously used images to improve or
revise the existing 3D model.
[0147] The OCR application 115 reapplies the OCR algorithm in the
manner described in block 520. A confidence level for the second 3D
model is determined and compared to the configured threshold as in
block 330 described herein. The OCR application 115 may repeat the
process of isolating images, creating 3D models, and applying the
OCR algorithm until the results of a particular 3D model are over
the configured threshold. The OCR application 115 may reject the
card 102 after a configured number of attempts.
[0148] Additionally or alternatively, the OCR application 115
performs the OCR algorithm on multiple 3D models and compares the
confidence level of the results. The OCR application 115 may select
the 3D model with the highest confidence level as a candidate image
and compare the confidence level to the threshold as described
herein. If the highest confidence level is not above the threshold,
then the OCR application 115 may obtain additional 3D models or
pursue any suitable strategy as described herein.
[0149] In another example, the OCR application 115 performs the OCR
algorithm on multiple 3D models and compares the confidence level
of the results. The OCR application 115 may select the 3D model
with the highest confidence level and verify the results of the
selected image. The results of the selected 3D model, despite being
below the configured threshold, are supplied to the requestor, as
described in block 235.
[0150] The OCR application 115 may apply any tests to the extracted
data to confirm the validity of the data. For example, the OCR
application 115 may apply a checksum algorithm to the data to
verify that the digits meet the expected format. The OCR
application 115 may check the appropriate digits representing the
issuer identification number ("IIN") against a database to verify
that the digits match an expected IIN. Any suitable verification of
the digits may be performed on the extracted data.
[0151] Following the YES branch of block 330 to block 235, the OCR
application 115 supplies the extracted data to a requestor as
described in block 235 of FIG. 2.
[0152] FIG. 6 is a block flow diagram depicting a method 600 for
using a three-dimensional model of a financial card 102 to prevent
fraud, in accordance with certain example embodiments. The payment
processing system 140, the OCR application 115, a merchant server,
or another suitable party uses the 3D model of the card 102 to
compare embossed text and holographic images to a stored standard.
The payment processing system 140 represents any party that uses
the 3D model to prevent fraud. Some or all of the functions of the
payment processing system 140 may be performed by the OCR
application 115, the OCR system 140, or another party.
[0153] In block 205 and 210, the OCR application 115 obtains a
digital scan of a card and isolates multiple images of the card as
described herein in blocks 205 and 210 of FIG. 2.
[0154] In block 615, the OCR application 115 models the images of
the card in 3D space to capture embossed digits and holographic
images on the card 102. The OCR application 115 may combine, merge,
blend, rotate, or otherwise manipulate the images to produce a 3D
model of the card 102 in the images. The 3D model allows the view
of the images to be realigned to different perspectives. The 3D
model may be created by a digital manipulation of the images by the
OCR application 115 or another computing device.
[0155] The 3D model allows the view of the images to be realigned
to different perspectives. The 3D model may be rotated, zoomed, or
in any suitable manner manipulated to allow the OCR application 115
to obtain different views of the card 102 in the model. The 3D
model allows a system to view the embossed text and a hologram from
different angles.
[0156] In block 620, the OCR application 115 transmits the 3D model
to the payment processing system 140 to confirm that the card 102
being scanned is authentic. The OCR application 115 may transmit
the 3D model via an Internet connection over the network, email,
text, or in any suitable manner.
[0157] In block 625, the payment processing system 140 compares the
3D model to a database or other storage location. The payment
processing system 140 may access images of the hologram or the
embossed letters for a comparison to the transmitted 3D model. The
payment processing system 140 may compare the 3D model to images
related to the type of card 102 identified by the OCR application
115, by the user 101, by the payment processing system server 144,
or by any suitable party. For example, the OCR application 115 may
transmit data identifying the card 102 as a credit card associated
with a particular issuer at the time the 3D model is transmitted.
In another example, the payment processing system 140 identifies
the type of card from the 3D model and uses images associated with
the card type in the database for a comparison.
[0158] The payment processing system 140 may compare the 3D model
to the images in the database in any suitable manner to confirm
that the 3D model matches the standard. The standard to be matched
is the appearance of the embossed digits and the hologram on card
102 from various perspectives as provided by the stored images. The
standard may be a stored 3D model of the card 102. In an example,
the payment processing system 140 accesses the stored images of the
card type from particular perspectives. The payment processing
system 140 shifts or rotates the 3D model to obtain perspectives of
the 3D model that match the perspectives of the images from the
database. The payment processing system 140 compares the images to
the varying perspectives of the 3D model.
[0159] In an example, the payment processing system 140 may
determine whether some or all of the digits are embossed. If the
user 101 were submitting a fraudulent image, such as a flat
photocopy of a card, the digits may not appear as embossed. The
payment processing system 140 may additionally determine if the
proper sets of digits are embossed. In another example, the payment
processing system 140 may determine if the image presented by the
hologram at a particular perspective matches the image of the
hologram at that perspective in the stored image. As a hologram
image changes as the perspective changes, the payment processing
system 140 may determine if the hologram matches at multiple
perspectives.
[0160] In block 630, the payment processing system 140 determines
if the 3D model matches the standard. If the 3D model matches the
standard, then the method 600 follows the "YES" branch of block 630
to block 635. If the 3D model does not match the standard, then the
method 600 follows the "NO" branch to block 640.
[0161] Following the NO branch to block 640, the payment processing
system 140 requests a revision of the 3D model of the card or the
payment processing system 140 rejects the card 102. The payment
processing system 140 may request that the OCR application 115
incorporate additional images be added into the 3D model.
Alternatively, the payment processing system 140 may request that
the OCR application 115 create a new 3D model. Any suitable manner
of producing a new 3D image may be employed. Alternatively, the OCR
application 115 may reject the authentication request and transmit
the rejection to the OCR application 115 or other requestor.
[0162] The OCR application 115 may create a new 3D model and
transmit the new 3D model to the payment processing system 140 as
described in blocks 615 and 620.
[0163] The payment processing system 140 may compare the hologram
and embossed text to the standard as described in 625 and 630. The
method 600 may be repeated as many times as necessary to obtain a
3D model that matches the standard. Alternatively, the payment
processing system 140 may attempt the comparison for a configured
number of attempts and then provide a rejection if a match is not
obtained.
[0164] Following the YES branch of block 630 to block 635, the
payment processing system 140 supplies a verification of the card
information to a requestor of the verification. The requestor may
be the payment processing system 140, the OCR application 115, a
merchant system, or any other suitable requestor.
[0165] In certain situations, the OCR application 115 or other
computing device performs one or more of the methods herein and is
unable to produce verified card information. The OCR application
115 may desire to improve the OCR algorithm or other process
described herein. The OCR application 115 may desire to transmit
the failed information to a provider of the OCR algorithm, the
provider of the OCR application 115, the OCR system 120, or any
suitable party. The failed information would be transmitted to
allow the receiver to determine the caused of the unverified data
and improve the algorithm or process.
[0166] For example, the image data from the camera 114 may not be
interpreted correctly. In another example, the font of the card 102
is not recognized. In another example, the information of the card
102 may be in an unexpected format. In another example, the card
issuer may have changed the associated IIN numbers. Any suitable
reason for a failed OCR process may be a reason to provide the data
to the requestor.
[0167] The OCR application 115 may prefer not to transmit the
entire image to protect the privacy of the user 101. For example,
if the OCR application 115 was unable to recognize the issuer 170
of a credit card of the user 101, the privacy of the user 101 may
be compromised if the entire credit card image is transferred to
the provider of the OCR algorithm. In another example, if the OCR
application 115 was unable to recognize the issue date of a
license, the user 101 may prefer that an image of the entire
license not be transmitted over the Internet to an OCR system
120.
[0168] In an example embodiment, the OCR application 115 may send
the unverified digits to the requestor of the failure. For example,
the OCR application 115 may crop out the failing digits and
transmit only the failing digits to the requestor. By sending only
the cropped image, and not the entire image, the privacy of the
user 101 is protected.
[0169] In another example embodiment, the user 101 provides a
correction to a digit. For example, after failing to achieve a
verified digit, the OCR application 115 provides an opportunity to
correct a digit. In another example, the verified data from a card
102 is provided to the user 101 for verification on a user
interface. For example, the OCR application 115 provides the
extracted information on a screen of a smartphone for the user 101
to approve or correct.
[0170] If the user provides a correction to the data, the OCR
application may provide the incorrect extraction, the corrected
information, and a cropped portion of the image to the requestor.
The entirety of the data and the full image are not transmitted to
the requestor to protect the privacy of the user 101 and the
data.
Other Example Embodiments
[0171] FIG. 4 depicts a computing machine 2000 and a module 2050 in
accordance with certain example embodiments. The computing machine
2000 may correspond to any of the various computers, servers,
mobile devices, embedded systems, or computing systems presented
herein. The module 2050 may comprise one or more hardware or
software elements configured to facilitate the computing machine
2000 in performing the various methods and processing functions
presented herein. The computing machine 2000 may include various
internal or attached components such as a processor 2010, system
bus 2020, system memory 2030, storage media 2040, input/output
interface 2060, and a network interface 2070 for communicating with
a network 2080.
[0172] The computing machine 2000 may be implemented as a
conventional computer system, an embedded controller, a laptop, a
server, a mobile device, a smartphone, a set-top box, a kiosk, a
vehicular information system, one more processors associated with a
television, a customized machine, any other hardware platform, or
any combination or multiplicity thereof. The computing machine 2000
may be a distributed system configured to function using multiple
computing machines interconnected via a data network or bus
system.
[0173] The processor 2010 may be configured to execute code or
instructions to perform the operations and functionality described
herein, manage request flow and address mappings, and to perform
calculations and generate commands. The processor 2010 may be
configured to monitor and control the operation of the components
in the computing machine 2000. The processor 2010 may be a general
purpose processor, a processor core, a multiprocessor, a
reconfigurable processor, a microcontroller, a digital signal
processor ("DSP"), an application specific integrated circuit
("ASIC"), a graphics processing unit ("GPU"), a field programmable
gate array ("FPGA"), a programmable logic device ("PLD"), a
controller, a state machine, gated logic, discrete hardware
components, any other processing unit, or any combination or
multiplicity thereof. The processor 2010 may be a single processing
unit, multiple processing units, a single processing core, multiple
processing cores, special purpose processing cores, co-processors,
or any combination thereof. According to certain example
embodiments, the processor 2010 along with other components of the
computing machine 2000 may be a virtualized computing machine
executing within one or more other computing machines.
[0174] The system memory 2030 may include non-volatile memories
such as read-only memory ("ROM"), programmable read-only memory
("PROM"), erasable programmable read-only memory ("EPROM"), flash
memory, or any other device capable of storing program instructions
or data with or without applied power. The system memory 2030 may
also include volatile memories such as random access memory
("RAM"), static random access memory ("SRAM"), dynamic random
access memory ("DRAM"), and synchronous dynamic random access
memory ("SDRAM"). Other types of RAM also may be used to implement
the system memory 2030. The system memory 2030 may be implemented
using a single memory module or multiple memory modules. While the
system memory 2030 is depicted as being part of the computing
machine 2000, one skilled in the art will recognize that the system
memory 2030 may be separate from the computing machine 2000 without
departing from the scope of the subject technology. It should also
be appreciated that the system memory 2030 may include, or operate
in conjunction with, a non-volatile storage device such as the
storage media 2040.
[0175] The storage media 2040 may include a hard disk, a floppy
disk, a compact disc read only memory ("CD-ROM"), a digital
versatile disc ("DVD"), a Blu-ray disc, a magnetic tape, a flash
memory, other non-volatile memory device, a solid state drive
("SSD"), any magnetic storage device, any optical storage device,
any electrical storage device, any semiconductor storage device,
any physical-based storage device, any other data storage device,
or any combination or multiplicity thereof. The storage media 2040
may store one or more operating systems, application programs and
program modules such as module 2050, data, or any other
information. The storage media 2040 may be part of, or connected
to, the computing machine 2000. The storage media 2040 may also be
part of one or more other computing machines that are in
communication with the computing machine 2000 such as servers,
database servers, cloud storage, network attached storage, and so
forth.
[0176] The module 2050 may comprise one or more hardware or
software elements configured to facilitate the computing machine
2000 with performing the various methods and processing functions
presented herein. The module 2050 may include one or more sequences
of instructions stored as software or firmware in association with
the system memory 2030, the storage media 2040, or both. The
storage media 2040 may therefore represent examples of machine or
computer readable media on which instructions or code may be stored
for execution by the processor 2010. Machine or computer readable
media may generally refer to any medium or media used to provide
instructions to the processor 2010. Such machine or computer
readable media associated with the module 2050 may comprise a
computer software product. It should be appreciated that a computer
software product comprising the module 2050 may also be associated
with one or more processes or methods for delivering the module
2050 to the computing machine 2000 via the network 2080, any
signal-bearing medium, or any other communication or delivery
technology. The module 2050 may also comprise hardware circuits or
information for configuring hardware circuits such as microcode or
configuration information for an FPGA or other PLD.
[0177] The input/output ("I/O") interface 2060 may be configured to
couple to one or more external devices, to receive data from the
one or more external devices, and to send data to the one or more
external devices. Such external devices along with the various
internal devices may also be known as peripheral devices. The I/O
interface 2060 may include both electrical and physical connections
for operably coupling the various peripheral devices to the
computing machine 2000 or the processor 2010. The I/O interface
2060 may be configured to communicate data, addresses, and control
signals between the peripheral devices, the computing machine 2000,
or the processor 2010. The I/O interface 2060 may be configured to
implement any standard interface, such as small computer system
interface ("SCSI"), serial-attached SCSI ("SAS"), fiber channel,
peripheral component interconnect ("PCI"), PCI express (PCIe),
serial bus, parallel bus, advanced technology attached ("ATA"),
serial ATA ("SATA"), universal serial bus ("USB"), Thunderbolt,
FireWire, various video buses, and the like. The I/O interface 2060
may be configured to implement only one interface or bus
technology. Alternatively, the I/O interface 2060 may be configured
to implement multiple interfaces or bus technologies. The I/O
interface 2060 may be configured as part of, all of, or to operate
in conjunction with, the system bus 2020. The I/O interface 2060
may include one or more buffers for buffering transmissions between
one or more external devices, internal devices, the computing
machine 2000, or the processor 2010.
[0178] The I/O interface 2060 may couple the computing machine 2000
to various input devices including mice, touch-screens, scanners,
electronic digitizers, sensors, receivers, touchpads, trackballs,
cameras, microphones, keyboards, any other pointing devices, or any
combinations thereof. The I/O interface 2060 may couple the
computing machine 2000 to various output devices including video
displays, speakers, printers, projectors, tactile feedback devices,
automation control, robotic components, actuators, motors, fans,
solenoids, valves, pumps, transmitters, signal emitters, lights,
and so forth.
[0179] The computing machine 2000 may operate in a networked
environment using logical connections through the network interface
2070 to one or more other systems or computing machines across the
network 2080. The network 2080 may include wide area networks
(WAN), local area networks (LAN), intranets, the Internet, wireless
access networks, wired networks, mobile networks, telephone
networks, optical networks, or combinations thereof. The network
2080 may be packet switched, circuit switched, of any topology, and
may use any communication protocol. Communication links within the
network 2080 may involve various digital or an analog communication
media such as fiber optic cables, free-space optics, waveguides,
electrical conductors, wireless links, antennas, radio-frequency
communications, and so forth.
[0180] The processor 2010 may be connected to the other elements of
the computing machine 2000 or the various peripherals discussed
herein through the system bus 2020. It should be appreciated that
the system bus 2020 may be within the processor 2010, outside the
processor 2010, or both. According to some embodiments, any of the
processor 2010, the other elements of the computing machine 2000,
or the various peripherals discussed herein may be integrated into
a single device such as a system on chip ("SOC"), system on package
("SOP"), or ASIC device.
[0181] In situations in which the systems discussed here collect
personal information about users, or may make use of personal
information, the users may be provided with a opportunity to
control whether programs or features collect user information
(e.g., information about a user's social network, social actions or
activities, profession, a user's preferences, or a user's current
location), or to control whether and/or how to receive content from
the content server that may be more relevant to the user. In
addition, certain data may be treated in one or more ways before it
is stored or used, so that personally identifiable information is
removed. For example, a user's identity may be treated so that no
personally identifiable information can be determined for the user,
or a user's geographic location may be generalized where location
information is obtained (such as to a city, ZIP code, or state
level), so that a particular location of a user cannot be
determined. Thus, the user may have control over how information is
collected about the user and used by a content server.
[0182] Embodiments may comprise a computer program that embodies
the functions described and illustrated herein, wherein the
computer program is implemented in a computer system that comprises
instructions stored in a machine-readable medium and a processor
that executes the instructions. However, it should be apparent that
there could be many different ways of implementing embodiments in
computer programming, and the embodiments should not be construed
as limited to any one set of computer program instructions.
Further, a skilled programmer would be able to write such a
computer program to implement an embodiment of the disclosed
embodiments based on the appended flow charts and associated
description in the application text. Therefore, disclosure of a
particular set of program code instructions is not considered
necessary for an adequate understanding of how to make and use
embodiments. Further, those skilled in the art will appreciate that
one or more aspects of embodiments described herein may be
performed by hardware, software, or a combination thereof, as may
be embodied in one or more computing systems. Moreover, any
reference to an act being performed by a computer should not be
construed as being performed by a single computer as more than one
computer may perform the act.
[0183] The example embodiments described herein can be used with
computer hardware and software that perform the methods and
processing functions described herein. The systems, methods, and
procedures described herein can be embodied in a programmable
computer, computer-executable software, or digital circuitry. The
software can be stored on computer-readable media. For example,
computer-readable media can include a floppy disk, RAM, ROM, hard
disk, removable media, flash memory, memory stick, optical media,
magneto-optical media, CD-ROM, etc. Digital circuitry can include
integrated circuits, gate arrays, building block logic, field
programmable gate arrays (FPGA), etc.
[0184] The example systems, methods, and acts described in the
embodiments presented previously are illustrative, and, in
alternative embodiments, certain acts can be performed in a
different order, in parallel with one another, omitted entirely,
and/or combined between different example embodiments, and/or
certain additional acts can be performed, without departing from
the scope and spirit of various embodiments. Accordingly, such
alternative embodiments are included in the inventions claimed
herein.
[0185] Although specific embodiments have been described above in
detail, the description is merely for purposes of illustration. It
should be appreciated, therefore, that many aspects described above
are not intended as required or essential elements unless
explicitly stated otherwise. Modifications of, and equivalent
components or acts corresponding to, the disclosed aspects of the
example embodiments, in addition to those described above, can be
made by a person of ordinary skill in the art, having the benefit
of the present disclosure, without departing from the spirit and
scope of embodiments defined in the following claims, the scope of
which is to be accorded the broadest interpretation so as to
encompass such modifications and equivalent structures.
* * * * *