Dynamic resource management associated with payment instrument exceptions processing

Abstract

Embodiments of the invention include systems, methods, and computer-program products for dynamic resource management for managing payment exception processing and maximize work flow. In this way, the system may lift data from financial documents received from sources to allow for exception processing. The exceptions may include one or more irregularities such as bad micro line reads, outdated check stock, or misrepresentative checks that may result in a failure to match the check to an associated account for processing. As such, once an exception is identified during the processing the exception is directed to an appropriate resource for processing. The system monitors work flow nodes and resource experience to prevent bottlenecks or underutilization. Furthermore, the system employs awards and gamification models for exception processing.

What is claimed is: 
     
         1 . A system for element level confidence scoring of elements of a payment instrument for exceptions processing, said system comprising:
 a computing platform comprising a processing device operatively coupled to a memory device, wherein the processing device executes computer-readable program code to:
 receive an image of a financial document; 
 receive a threshold confidence score; 
 lift financial data off of the image of the financial document using optical character recognition; 
 store the financial data in a database; 
 identify elements within the stored financial data, wherein the elements are markings associated with the image of the financial document that were lifted and stored as part of the financial data; 
 determine a confidence score for a first element of the identified elements within the stored financial data, wherein the confidence score for the first element is based on a likelihood that the first element is a correct alphanumeric character from the image of the financial document; 
 determine that the confidence score for the first element is below the threshold confidence score, wherein the first element is not discernible as an alphanumeric character by the computing platform, and wherein the computing platform cannot process the first element within the stored financial data; 
 determine coordinates of the first element within the image of the financial document; 
 cause a user interface of the computing platform to display a first section comprising a zoomed-in view of the first element at the coordinates of the first element within the image of the financial document and a second section comprising a full view of the image of the financial document, wherein the user interface of the computing platform comprises:
 a display comprising (1) a brightness control that, when adjusted by a user, manipulates a brightness of the first section of the user interface but does not affect a brightness of the second section of the user interface, and (2) a contrast control that, when adjusted by the user, manipulates a contrast of the first section of the user interface, but does not affect a contrast of the second section of the user interface, 
 a navigation mechanism, and 
 a user input mechanism comprising selectable icons associated with one or more possible correct elements, wherein a confidence level for each of the one or more possible correct elements is displayed along with the selectable icons associated with the one or more possible correct elements; 
 
 cause the user interface of the computing platform to display a prompt to the user to select a correct element from the selectable icons associated with the one or more possible correct elements, wherein the correct element is an element intended by a creator of the first element; 
 receive the user selection of the correct element; 
 replace the first element with the correct element, wherein replacing the first element converts the financial data into a format that can be processed by the computing platform; and 
 process the financial document based on the converted financial data including the selected correct element. 
   
     
     
         2 . The system of  claim 1 , wherein the first element comprises a character of a handwritten alphanumeric amount on the image of the financial document. 
     
     
         3 . The system of  claim 1 , wherein the user input mechanism comprises a touchscreen, and wherein the touchscreen includes the selectable icons associated with the one or more possible correct elements. 
     
     
         4 . The system of  claim 1 , wherein the processing device executes computer-readable program code to:
 determine the one or more possible correct elements based on the determined coordinates of the first element within the image of the financial document and a likelihood that the determined coordinates of the first element is associated with the one or more possible correct elements.   
     
     
         5 . The system of  claim 1 , wherein the selectable icons associated with the one or more possible correct elements are color coded based on a likelihood that each of the one or more possible correct elements is an actual correct element. 
     
     
         6 . The system of  claim 1 , wherein the user input mechanism comprising selectable icons associated with one or more possible correct elements does not comprise one or more incorrect elements based on a likelihood that each of the one or more incorrect elements is not an actual correct element. 
     
     
         7 . The system of  claim 1 , wherein determining the confidence score for the first element further comprises:
 determining a category for the first element;   determining a resource experience and an error rate for the first element based at least in part on the category for the first element; and   matching at least one possible correct element with the category for the first element based on the resource experience and the error rate, wherein the at least one possible correct element is included in the one or more possible correct elements.   
     
     
         8 . A computer implemented method for element level confidence scoring of elements of a payment instrument for exceptions processing, said computer implemented method comprising:
 receiving, via a processing device, an image of a financial document;   receiving, via the processing device, a threshold confidence score;   lifting, via the processing device, financial data off of the image of the financial document using optical character recognition;   storing, via the processing device, the financial data in a database;   identifying, via the processing device, elements within the stored financial data, wherein the elements are markings associated with the image of the financial document that were lifted and stored as part of the financial data;   determining, via the processing device, a confidence score for a first element of the identified elements within the stored financial data wherein the confidence score for the first element is based on a likelihood that the first element is a correct alphanumeric character from the image of the financial document;   determining, via the processing device, that the confidence score for the first element is below the threshold confidence score, wherein the first element is not discernible as an alphanumeric character by a computing platform, and wherein the computing platform cannot process the first element within the stored financial data;   determining, via the processing device, coordinates of the first element within the image of the financial document;   causing, via the processing device, a user interface of the computing platform to display a first section comprising a zoomed-in view of the first element at the coordinates of the first element within the image of the financial document and a second section comprising a full view of the image of the financial document, wherein the user interface of the computing platform comprises:
 a display comprising (1) a brightness control that, when adjusted by a user, manipulates a brightness of the first section of the user interface but does not affect a brightness of the second section of the user interface, and (2) a contrast control that, when adjusted by the user, manipulates a contrast of the first section of the user interface, but does not affect a contrast of the second section of the user interface, 
 a navigation mechanism, and 
 a user input mechanism comprising selectable icons associated with one or more possible correct elements, wherein a confidence level for each of the one or more possible correct elements is displayed along with the selectable icons associated with the one or more possible correct elements; 
   causing, via the processing device, the user interface of the computing platform to display a prompt to the user to select a correct element from the selectable icons associated with the one or more possible correct elements, wherein the correct element is an element intended by a creator of the first element;   receiving, via the processing device, the user selection of the correct element;   replacing, via the processing device, the first element with the correct element, wherein replacing the first element converts the financial data into a format that can be processed by the computing platform; and   processing, via the processing device, the financial document based on the converted financial data including the selected correct element.   
     
     
         9 . The computer implemented method of  claim 8 , wherein the first element comprises a character of a handwritten alphanumeric amount on the image of the financial document. 
     
     
         10 . The computer implemented method of  claim 8 , wherein the user input mechanism comprises a touchscreen, and wherein the touchscreen includes the selectable icons associated with the one or more possible correct elements. 
     
     
         11 . The computer implemented method of  claim 8 , wherein the computer implemented method is further configured for:
 determining, via the processing device, the one or more possible correct elements based on the determined coordinates of the first element within the image of the financial document and a likelihood that the determined coordinates of the first element is associated with the one or more possible correct elements.   
     
     
         12 . The computer implemented method of  claim 8 , wherein the selectable icons associated with the one or more possible correct elements are color coded based on a likelihood that each of the one or more possible correct elements is an actual correct element. 
     
     
         13 . The computer implemented method of  claim 11 , wherein the user input mechanism comprising selectable icons associated with one or more possible correct elements does not comprise one or more incorrect elements based on a likelihood that each of the one or more incorrect elements is not an actual correct element. 
     
     
         14 . The computer implemented method of  claim 11 , wherein determining the confidence score for the first element further comprises:
 determining a category for the first element;   determining a resource experience and an error rate for the first element based at least in part on the category for the first element; and   matching at least one possible correct element with the category for the first element based on the resource experience and the error rate, wherein the at least one possible correct element is included in the one or more possible correct elements.   
     
     
         15 . A computer program product for element level confidence scoring of elements of a payment instrument for exceptions processing, the computer program product comprising a non-transitory computer readable medium comprising computer readable instructions, the instructions comprising instructions for:
 receiving an image of a financial document;   receiving a threshold confidence score;   lifting financial data off of the image of the financial document using optical character recognition;   storing the financial data in a database;   identifying elements within the stored financial data, wherein the elements are markings associated with the image of the financial document that were lifted and stored as part of the financial data;   determining a confidence score for a first element of the identified elements within the stored financial data, wherein the confidence score for the first element is based on a likelihood that the first element is a correct alphanumeric character from the image of the financial document;   determining that the confidence score for the first element is below the threshold confidence score, wherein the first element is not discernible as an alphanumeric character by a computing platform, and wherein the computing platform cannot process the first element within the stored financial data;   determining coordinates of the first element within the image of the financial document;   causing a user interface of the computing platform to display a first section comprising a zoomed-in view of the first element at the coordinates of the first element within the image of the financial document and a second section comprising a full view of the image of the financial document, wherein the user interface of the computing platform comprises:
 a display comprising (1) a brightness control that, when adjusted by a user, manipulates a brightness of the first section of the user interface but does not affect a brightness of the second user interface, and (2) a contrast control that, when adjusted by the user, manipulates a contrast of the first section of the user interface, but does not affect a contrast of the second section of the user interface, 
 a navigation mechanism, and 
 a user input mechanism comprising selectable icons associated with one or more possible correct elements, wherein a confidence level for each of the one or more possible correct elements is displayed along with the selectable icons associated with the one or more possible correct elements; 
   causing the user interface of the computing platform to display a prompt to the user to select a correct element from the selectable icons associated with the one or more possible correct elements, wherein the correct element is an element intended by a creator of the first element;   receiving the user selection of the correct element;   replacing the first element with the correct element, wherein replacing the first element converts the financial data into a format that can be processed by the computing platform; and   processing the financial document based on the converted financial data including the selected correct element.   
     
     
         16 . The computer program product of  claim 15 , wherein the first element comprises a character of a handwritten alphanumeric amount on the image of the financial document. 
     
     
         17 . The computer program product of  claim 15 , wherein the user input mechanism comprises a touchscreen, and wherein the touchscreen includes the selectable icons associated with the one or more possible correct elements. 
     
     
         18 . The computer program product of  claim 15 , wherein the computer readable instructions further include:
 determining the one or more possible correct elements based on the determined coordinates of the first element within the image of the financial document and a likelihood that the determined coordinates of the first element is associated with the one or more possible correct elements.   
     
     
         19 . The computer program product of  claim 15 , wherein the user input mechanism comprising selectable icons associated with one or more possible correct elements does not comprise one or more incorrect elements based on a likelihood that each of the one or more incorrect elements is not an actual correct element. 
     
     
         20 . The computer program product of  claim 15 , wherein the selectable icons associated with the one or more possible correct elements are color coded based on a likelihood that each of the one or more possible correct elements is an actual correct element.