Document fraud detection
First Claim
1. A system for identifying a fraudulent financial instrument, comprising:
- a memory configured to store computer-executable instructions; and
a processor, communicatively coupled to the memory, configured to execute the computer-executable instructions to perform operations, the operations comprising;
scanning a financial instrument and matching a pattern of the financial instrument to a predetermined design, wherein if the pattern matches the predetermined design within a first threshold, the financial instrument passes a first verification check, wherein the scanning the financial instrument also determines a number of layers to the financial instrument, wherein a layer represents various times that the financial instrument has been altered by different people or objects;
upon a determination that there are multiple layers to the financial instrument, comparing transaction details on the financial instrument to a transaction detail pattern based on a previous transaction, wherein if the transaction details match the transaction detail pattern within a second threshold, the financial instrument passes a second verification check;
performing biometric and thermal scanning of the financial instrument and comparing scan results to a predetermined biometric and thermal pattern, wherein if the scan results match the predetermined biometric and thermal pattern within a third threshold, the financial instrument passes a third verification check;
flagging the financial instrument as potentially fraudulent in response to failing at least one of the first verification check, the second verification check, or the third verification check.
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Accused Products
Abstract
Systems and methods provide for a document fraud detection system for identifying fraudulent documents. The document fraud detection system can include up to three steps of fraud detection, where if the document fails any of the three steps, the document can be flagged for further review. In another embodiment, the document fraud detection system can score each of the three tests, where the scores represent the likelihood that the document is fraudulent. If the combined score satisfies a predetermined criterion, the document can be flagged as potentially fraudulent. The three tests can include analyzing an scanned image of the document and comparing to other similar documents to determine if there have been any alterations. The second test can compare indents to previous documents, and the third test can analyze chemical and biometric factors that may indicate whether the document has been altered.
80 Citations
20 Claims
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1. A system for identifying a fraudulent financial instrument, comprising:
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a memory configured to store computer-executable instructions; and a processor, communicatively coupled to the memory, configured to execute the computer-executable instructions to perform operations, the operations comprising; scanning a financial instrument and matching a pattern of the financial instrument to a predetermined design, wherein if the pattern matches the predetermined design within a first threshold, the financial instrument passes a first verification check, wherein the scanning the financial instrument also determines a number of layers to the financial instrument, wherein a layer represents various times that the financial instrument has been altered by different people or objects; upon a determination that there are multiple layers to the financial instrument, comparing transaction details on the financial instrument to a transaction detail pattern based on a previous transaction, wherein if the transaction details match the transaction detail pattern within a second threshold, the financial instrument passes a second verification check; performing biometric and thermal scanning of the financial instrument and comparing scan results to a predetermined biometric and thermal pattern, wherein if the scan results match the predetermined biometric and thermal pattern within a third threshold, the financial instrument passes a third verification check; flagging the financial instrument as potentially fraudulent in response to failing at least one of the first verification check, the second verification check, or the third verification check. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10)
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11. A method for identifying a fraudulent financial instrument, comprising:
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performing, by a device comprising a scanner, a first verification check comprising matching a scanned image of a financial instrument to a predetermined design within a first threshold; performing, by the device, a second verification check comprising matching transaction details on the financial instrument to a transaction detail pattern based on a previous transaction to within a second threshold; performing, by the device, biometric and thermal scanning of the financial instrument and matching scan results to a predetermined biometric and thermal pattern to within a third threshold; and flagging, by the device, the financial instrument as potentially fraudulent in response to failing at least one of the first verification check, the second verification check, and the third verification check. - View Dependent Claims (12, 13, 14, 15, 16, 17)
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18. A non-transitory computer-readable medium, comprising instructions that when executed by a computer processor perform operations, comprising:
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performing a first verification check comprising determining a first variance score of a scanned image of a financial instrument to a predetermined design; performing a second verification check comprising determining a second variance score of transaction details on the financial instrument to a transaction detail pattern based on a previous transaction; performing biometric and thermal scanning of the financial instrument and determining a third variance score of scan results to a predetermined biometric and thermal pattern; and flagging the financial instrument for further review in response to a combined score of the first variance score, the second variance score, and the third variance score satisfying a predetermined score. - View Dependent Claims (19, 20)
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Specification