Systems and methods for assessing documents using analysis of machine-printed writing and pre-printed information

• US 20040228513A1
• Filed: 11/14/2003
• Published: 11/18/2004
• Est. Priority Date: 03/15/2002
• Status: Active Grant

• Current Assignee: Computer Sciences Corporation (DXC Technology Company)
• Original Assignee: Computer Sciences Corporation (DXC Technology Company)
• Inventors: Mason, James G., Blinova, Katerina, Berkhuysen, Johan Willem Piere, Shridhar, Malayappan, Nugmanov, Babur, Bakker, Ronny, Houle, Gilles
• Granted Patent: US 7,664,304 B2
• Time in Patent Office: Days
• US Class Current: 382/137
• CPC Class Codes: G06V 30/10 Character recognition
• CPC Class Codes: G06V 30/133 Evaluation of quality of the acquired characters
• CPC Class Codes: G06V 30/274 Syntactic or semantic context, e.g. balancing
• CPC Class Codes: G06V 40/30 Writer recognition; Reading and verifying signatures

Abstract

Methods and systems are provided for analyzing and assessing documents using a profile for documents, such as a payment instrument. In one embodiment, the profile may include variable machine-printed writing. In other embodiments, the profile may include pre-printed information. A method may include providing a document to a computer system. In one embodiment, profile representations may be determined for information fields of the document. The determination may use variable machine-printed writing and/or pre-printed information from at least one of the information fields of the documents. In one embodiment, the method may further include comparing machine-printed writing and/or pre-printed information in information fields of the document to at least profile representation from at least one information field of at least one other document. In some embodiments, the method may include assessing fraud in the document using at least one of the comparisons.

Claims

1-725. -725. (cancelled)

726. A method of assessing a document using a computer system, comprising:

providing a the document to the computer system, wherein the document comprises at least two information fields; and

comparing pre-printed information in at least two information fields of the document to at least one pre-printed profile representation from at least one information field of at least one other document.

727. The method of claim 726, wherein providing the document to the computer system comprises providing images of the document to the computer system.

728. The method of claim 726, further comprising assessing fraud in the document using at least one of the comparisons.

729. The method of claim 726, further comprising assessing fraud in the document using at least two of the comparisons.

730. The method of claim 726, further comprising assessing fraud in the document using at least one of the comparisons, wherein evidence of fraud comprises a failure of at least a portion of the pre-printed information in at least two of the information fields of the document to approximately match at least one pre-printed profile representation.

731. The method of claim 726, further comprising assessing fraud in the document using at least two of the comparisons, wherein evidence of fraud comprises a failure of at least a portion of the pre-printed information in at least one of the information fields of the document to approximately match at least one pre-printed profile representation.

732. The method of claim 726, wherein at least one pre-printed profile representation is obtained from a valid document.

733. The method of claim 726, further comprising comparing pre-printed information in at least two of the information fields of the document to at least two pre-printed profile representations obtained from at least one information field of at least one other document.

734. The method of claim 726, wherein the document comprises at least two information fields, and further comprising comparing pre-printed information in at least two information fields of the document to at least one pre-printed profile representation obtained from at least two information fields of at least one other document.

735. The method of claim 726, wherein the document comprises at least two information fields, and further comprising comparing pre-printed information in at least two information fields of the document to at least two pre-printed profile representations obtained from at least two information fields of at least one other document.

736. The method of claim 726, wherein at least one of the documents comprises a payment instrument, and wherein the pre-printed information is pre-printed information from at least one account owner of an account of the payment instrument.

737. The method of claim 726, wherein providing the document to the computer system comprises obtaining images of pre-printed information of at least one information field.

738. The method of claim 726, wherein the pre-printed information from at least one information field comprises an image.

739. The method of claim 726, wherein the pre-printed information comprises at least one mathematical representation.

740. The method of claim 726, wherein the pre-printed information comprises at least one image.

741. The method of claim 726, wherein the pre-printed information comprises at least one type of pre-printed information information.

742. The method of claim 726, wherein the pre-printed information comprises at least one type of pre-printed information, and wherein at least one type of pre-printed information comprises a word type.

743. The method of claim 726, wherein the pre-printed information comprises at least one type of pre-printed information, and wherein at least one type of pre-printed information comprises a character type.

744. The method of claim 726, wherein the pre-printed information comprises at least one global feature of the pre-printed information.

745. The method of claim 726, wherein the pre-printed information comprises at least one local feature of the pre-printed information.

746. The method of claim 726, wherein at least one pre-printed profile representation comprises at least one mathematical representation.

747. The method of claim 726, wherein at least one pre-printed profile representation comprises at least one image.

748. The method of claim 726, wherein at least one pre-printed profile representation comprises at least one type of pre-printed information.

749. The method of claim 726, wherein at least one pre-printed profile representation comprises at least one pre-printed word type.

750. The method of claim 726, wherein at least one pre-printed profile representation comprises at least one pre-printed profile representation comprises pre-printed character type.

751. The method of claim 726, wherein at least one pre-printed profile representation comprises at least one global characteristic of the pre-printed information.

752. The method of claim 726, wherein at least one pre-printed profile representation comprises at least one local characteristic of the pre-printed information.

753. The method of claim 726, wherein at least one pre-printed profile representation comprises at least one graphic element.

754. The method of claim 726, wherein comparing pre-printed information in at least two of the information fields of the document to at least one pre-printed profile representation comprises comparing a location of the pre-printed information to a location of at least one pre-printed profile representation.

755. A system, comprising:

a CPU;

a data memory coupled to the CPU; and

a system memory coupled to the CPU, wherein the system memory is configured to store one or more computer programs executable by the CPU, and wherein the computer programs are executable to implement a method of assessing a document, the method comprising;

providing the document to the computer system, wherein the document comprises at least two information fields; and

comparing pre-printed information in at least two of the information fields of the document to at least one pre-printed profile representation from at least one information field of at least one other document.

756. The system of claim 755, further comprising assessing fraud in the document using at least one of the comparisons.

757. The system of claim 755, further comprising comparing pre-printed information in at least two of the information fields of the document to at least two pre-printed profile representations obtained from at least one information field of at least one other document.

758. The system of claim 755, wherein the document comprises at least two information fields, and further comprising comparing machine-printed in at least two of the information fields of the document to at least one pre-printed profile representation obtained from at least information fields of at least one other document.

759. The system of claim 755, wherein the document comprises at least two information fields, and further comprising comparing pre-printed information in at least two of the information fields of the document to at least two pre-printed profile representations obtained from at least two information fields of at least one other document.

760. A carrier medium comprising program instructions, wherein the program instructions are computer-executable to implement a method of assessing a document, the method comprising:

providing the document to the computer system, wherein the document comprises at least two information fields; and

comparing pre-printed information in at least two of the information fields of the document to at least one pre-printed profile representation from at least one information field of at least one other document.

761. The carrier medium of claim 760, further comprising assessing fraud in the document using at least one of the comparisons.

762. The carrier medium of claim 760, further comprising comparing pre-printed information in at least two of the information fields of the document to at least two pre-printed profile representations obtained from at least one information field of at least one other document.

763. The carrier medium of claim 760, wherein the document comprises at least two information fields, and further comprising comparing machine-printed in at least two of the information fields of the document to at least one pre-printed profile representation obtained from at least information fields of at least one other document.

764. The carrier medium of claim 760, wherein the document comprises at least two information fields, and further comprising comparing pre-printed information in at least two of the information fields of the document to at least two pre-printed profile representations obtained from at least two information fields of at least one other document.

765. A method of assessing a document using a computer system, comprising:

providing the document to the computer system, wherein the document comprises at least one information field; and

comparing pre-printed information in at least one of the information fields of the document to at least one pre-printed profile representation from at least two information fields of at least one other document.

766-793. -793. (cancelled)

794. A system, comprising:

a CPU;

a data memory coupled to the CPU; and

a system memory coupled to the CPU, wherein the system memory is configured to store one or more computer programs executable by the CPU, and wherein the computer programs are executable to implement a method of assessing a document, the method comprising;

providing the document to the computer system, wherein the document comprises at least one information field; and

comparing pre-printed information in at least one of the information fields of the document to at least one pre-printed profile representation from at least two information fields of at least one other document.

795-799. -799. (cancelled)

800. A carrier medium comprising program instructions, wherein the program instructions are computer-executable to implement a method for generating a handwriting profile, the method comprising:

providing a document to the computer system, wherein the document comprises at least one information field; and

comparing pre-printed information in at least one of the information fields of the document to at least one pre-printed profile representation from at least two information fields of at least one other document.

801-805. -805. (cancelled)

806. A method of assessing a document using a computer system, comprising:

providing the document to the computer system, wherein the document comprises at least one information field; and

comparing pre-printed information in at least one information field of the document to at least two pre-printed profile representations from at least one information field of at least one other document.

807-834. -834. (cancelled)

835. A system, comprising:

a CPU;

a data memory coupled to the CPU; and

a system memory coupled to the CPU, wherein the system memory is configured to store one or more computer programs executable by the CPU, and wherein the computer programs are executable to implement a method of assessing a document, the method comprising;

providing the document to the computer system, wherein the document comprises at least one information field; and

comparing pre-printed information in at least one of the information fields of the document to at least two pre-printed profile representations from at least one information field of at least one other document.

836-839. -839. (cancelled)

840. A carrier medium comprising program instructions, wherein the program instructions are computer-executable to implement a method of assessing a document, the method comprising:

providing the document to the computer system, wherein the document comprises at least one information field; and

comparing pre-printed information in at least one of the information fields of the document to at least two pre-printed profile representations from at least one information field of at least one other document.

841-844. -844. (cancelled)

845. A method of generating a variable machine-printed writing profile on a computer system, comprising:

providing one or more documents to the computer system, wherein at least one of the documents comprises at least one information field; and

determining at least one variable machine-printed writing profile representation for at least two information fields using variable machine-printed writing from at least one information field.

846-868. -868. (cancelled)

869. A system, comprising:

a CPU;

a data memory coupled to the CPU; and

a system memory coupled to the CPU, wherein the system memory is configured to store one or more computer programs executable by the CPU, and wherein the computer programs are executable to implement a method for generating a variable machine-printed writing profile, the method comprising;

providing one or more documents to the computer system, wherein at least one of the documents comprises at least one information field; and

determining at least one variable machine-printed writing profile representation for at least two information fields using variable machine-printed writing from at least one information field.

870-873. -873. (cancelled)

874. A carrier medium comprising program instructions, wherein the program instructions are computer-executable to implement a method for generating a variable machine-printed writing profile, the method comprising:

providing one or more documents to the computer system, wherein at least one of the documents comprises at least one information field; and

determining at least one variable machine-printed writing profile representation for at least two information fields using variable machine-printed writing from at least one information field.

875-878. -878. (cancelled)

879. A method of generating a variable machine-printed writing profile on a computer system, comprising:

providing one or more documents to the computer system, wherein at least one of the documents comprises at least two information fields; and

determining at least one variable machine-printed writing profile representation for at least one information field using variable machine-printed writing from at least two information fields.

880-901. -901. (cancelled)

902. A system, comprising:

a CPU;

a data memory coupled to the CPU; and

a system memory coupled to the CPU, wherein the system memory is configured to store one or more computer programs executable by the CPU, and wherein the computer programs are executable to implement a method for generating a variable machine-printed writing profile, the method comprising;

providing one or more documents to the computer system, wherein at least one of the documents comprises at least two information fields; and

determining at least one variable machine-printed writing profile representation for at least one information field using variable machine-printed writing from at least two information fields.

903-906. -906. (cancelled)

907. A carrier medium comprising program instructions, wherein the program instructions are computer-executable to implement a method for generating a variable machine-printed writing profile, the method comprising:

providing one or more documents to the computer system, wherein at least one of the documents comprises at least two information fields; and

determining at least one variable machine-printed writing profile representation for at least one information field using variable machine-printed writing from at least two information fields.

908-911. -911. (cancelled)

912. A method of generating a variable machine-printed writing profile on a computer system, comprising:

providing one or more documents to the computer system, wherein at least one of the documents comprises at least one information field; and

determining at least two variable machine-printed writing profile representations for at least one information field using variable machine-printed writing from at least one of the information field.

913-934. -934. (cancelled)

935. A system, comprising:

a CPU;

a data memory coupled to the CPU; and

a system memory coupled to the CPU, wherein the system memory is configured to store one or more computer programs executable by the CPU, and wherein the computer programs are executable to implement a method for generating a variable machine-printed writing profile, the method comprising;

providing one or more documents to the computer system, wherein at least one of the documents comprises at least one information field; and

determining at least two variable machine-printed writing profile representations for at least one information field using variable machine-printed writing from at least one information field.

936-939. -939. (cancelled)

940. A carrier medium comprising program instructions, wherein the program instructions are computer-executable to implement a method for generating a variable machine-printed writing profile, the method comprising:

providing one or more documents to the computer system, wherein at least one of the documents comprises at least one information field; and

determining at least two variable machine-printed writing profile representations for at least one information field using variable machine-printed writing from at least one information field.

941-944. -944. (cancelled)

945. A method of assessing a document using a computer system, comprising:

providing the document to the computer system, wherein the document comprises at least two information fields; and

comparing variable machine-printed writing in at least two of the information fields of the document to at least one variable machine-printed writing profile representation from at least one information field of at least one other document.

946-980. -980. (cancelled)

981. A system, comprising:

a CPU;

a data memory coupled to the CPU; and

a system memory coupled to the CPU, wherein the system memory is configured to store one or more computer programs executable by the CPU, and wherein the computer programs are executable to implement a method for generating a variable machine-printed writing profile, the method comprising;

providing a document to the computer system, wherein the document comprises at least two information fields; and

comparing variable machine-printed writing in at least two information fields of the document to at least one variable machine-printed writing profile representation from at least one information field of at least one other document.

982-985. -985. (cancelled)

986. A carrier medium comprising program instructions, wherein the program instructions are computer-executable to implement a method of assessing a document, the method comprising:

providing the document to the computer system, wherein the document comprises at least two information fields; and

comparing variable machine-printed writing in at least two information fields of the document to at least one variable machine-printed writing profile representation from at least one information field of at least one other document.

987-990. -990. (cancelled)

991. A method of assessing a document using a computer system, comprising:

providing the document to the computer system, wherein the document comprises at least one information field; and

comparing variable machine-printed writing in at least one information field of the document to at least one variable machine-printed writing profile representation from at least two information fields of at least one other document.

992-1026. -1026. (cancelled)

1027. A system, comprising:

a CPU;

a data memory coupled to the CPU; and

a system memory coupled to the CPU, wherein the system memory is configured to store one or more computer programs executable by the CPU, and wherein the computer programs are executable to implement a method for generating a variable machine-printed writing profile, the method comprising;

providing a document to the computer system, wherein the document comprises at least one information field; and

comparing variable machine-printed writing in at least one information field of the document to at least one variable machine-printed writing profile representation from at least two information fields of at least one other document.

1028-1031. -1031. (cancelled)

1032. A carrier medium comprising program instructions, wherein the program instructions are computer-executable to implement a method for generating a variable machine-printed writing profile, the method comprising:

providing a document to the computer system, wherein the document comprises at least one information field; and

comparing variable machine-printed writing in at least one information field of the document to at least one variable machine-printed writing profile representation from at least two information fields of at least one other document.

1033-1036. -1036. (cancelled)

1037. A method of assessing a document using a computer system, comprising:

providing the document to the computer system, wherein the document comprises at least one information field; and

comparing variable machine-printed writing in at least one information field of the document to at least two variable machine-printed writing profile representations from at least one information field of at least one other document.

1038-1072. -1072. (cancelled)

1073. A system, comprising:

a CPU;

a data memory coupled to the CPU; and

a system memory coupled to the CPU, wherein the system memory is configured to store one or more computer programs executable by the CPU, and wherein the computer programs are executable to implement a method of assessing a document, the method comprising;

providing a the document to the computer system, wherein the document comprises at least one information field; and

comparing variable machine-printed writing in at least one information field of the document to at least two variable machine-printed writing profile representations from at least one information field of at least one other document.

1074-1077. -1077. (cancelled)

1078. A carrier medium comprising program instructions, wherein the program instructions are computer-executable to implement a method of assessing a document, the method comprising:

providing the document to the computer system, wherein the document comprises at least one information field; and

comparing variable machine-printed writing in at least one of the information fields of the document to at least two variable machine-printed writing profile representations from at least one information field of at least one other document.

1079-1092. -1092. (cancelled)