Negotiable instrument authentication systems and methods
First Claim
1. A method for authenticating a negotiable instrument, the method comprising:
- at an authentication system, receiving a plurality of data values associated with the negotiable instrument, the plurality of data values including an image security feature and an account;
obtaining account decoding information from an account verification database, the account verification database including decoding information for each of a plurality of financial institutions;
decoding, at the authentication system, the image security feature using the account decoding information;
extracting, at the authentication system, one or more verification values from the decoded image security feature;
comparing, at the authentication system, each of the verification values to a corresponding one of the data values; and
transmitting, from the authentication system, a result communication indicating a result of the comparison.
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Accused Products
Abstract
Systems, methods, and databases are disclosed for authenticating negotiable instruments. In one embodiment, the method comprises receiving, at an authentication system, a plurality of data values associated with a negotiable instrument, the plurality of data values including an image security feature and an account. The method further comprises obtaining account decoding information from an account verification databases, the account verification database including decoding information for each of a plurality of financial institutions; decoding the image security feature using the account decoding information; obtaining one or more verification values from the decoded image security feature; comparing each of the verification values to a corresponding one of the data values; and transmitting a result communication indicating a result of the comparison.
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Citations
27 Claims
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1. A method for authenticating a negotiable instrument, the method comprising:
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at an authentication system, receiving a plurality of data values associated with the negotiable instrument, the plurality of data values including an image security feature and an account;
obtaining account decoding information from an account verification database, the account verification database including decoding information for each of a plurality of financial institutions;
decoding, at the authentication system, the image security feature using the account decoding information;
extracting, at the authentication system, one or more verification values from the decoded image security feature;
comparing, at the authentication system, each of the verification values to a corresponding one of the data values; and
transmitting, from the authentication system, a result communication indicating a result of the comparison. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 21)
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14. A method comprising:
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obtaining, at an authentication system, first decoding information from a first financial institution, the first decoding information including information to decode a first type of negotiable instrument image security feature; and
obtaining, at the authentication system, second decoding information from a second financial institution, the second decoding information including information to decode a second type of negotiable instrument image security feature. - View Dependent Claims (15, 16, 17, 18)
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19. An account verification database comprising:
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first decoding information for a first financial institution, the first decoding information used to decode a first type of negotiable instrument image security feature; and
second decoding information for a second financial institution, the second decoding information used to decode a second type of negotiable instrument image security feature. - View Dependent Claims (20)
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22. A system comprising:
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a communications interface to receive a plurality of data values associated with a negotiable instrument, the plurality of data values including an image security feature and an account, the communications interface further to transmit a result communication indicating an authentication result;
an account verification database storing decoding information for each of a plurality of financial institutions; and
logic, communicatively coupled with the communications interface and the account verification database, to obtain account decoding information corresponding to the account from the account verification database, to decode the image security feature using the account decoding information, to extract one or more verification values from the decoded image security feature, and to determine the authentication result based at least in part on a comparison of each of the verification values to a corresponding one of the data values. - View Dependent Claims (23)
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24. A method for authenticating a negotiable instrument, the method comprising:
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receiving a request to authenticate a negotiable instrument, the request including an image security feature and one or more data values associated with the negotiable instrument;
determining a decoding entity associated with the negotiable instrument;
transmitting the image security feature to the decoding entity;
receiving, from the decoding entity, authentication information associated with the image security feature; and
transmitting a result communication indicating an authentication result, the authentication result based at least in part on the authentication information. - View Dependent Claims (25, 26, 27)
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Specification