System and method for check fraud detection using signature validation
First Claim
1. A computer program for preventing check fraud using signature validation, the computer program comprising:
- machine readable instructions for creating a fingerprint containing machine-readable data corresponding to authorized account signatures, the fingerprint comprising a skeletonized version of the authorized account signatures;
machine readable instructions for encoding the fingerprint into a barcode; and
machine readable instructions for printing the barcode on a document.
1 Assignment
0 Petitions
Accused Products
Abstract
Systems and methods are provided for validating the authenticity of a signature on a document by providing a document from an account, the document including an actual signature and a machine-readable identifier, wherein the machine-readable identifier contains a string of data representing the integral characteristics of all valid account signatures and a person-specific confidence threshold. When the document is presented at a point of presentment, the document is scanned into a document-processing machine and the actual signature is compared against all valid account signatures.
107 Citations
20 Claims
-
1. A computer program for preventing check fraud using signature validation, the computer program comprising:
-
machine readable instructions for creating a fingerprint containing machine-readable data corresponding to authorized account signatures, the fingerprint comprising a skeletonized version of the authorized account signatures;
machine readable instructions for encoding the fingerprint into a barcode; and
machine readable instructions for printing the barcode on a document. - View Dependent Claims (2, 3, 4, 5, 6, 7)
-
-
8. A computer program for preventing check fraud using signature validation, the computer program comprising:
-
machine readable instructions for creating a fingerprint containing machine-readable data corresponding to authorized account signatures;
machine readable instructions for evaluating the topology of each account signature machine readable instructions for encoding the fingerprint into a barcode; and
machine readable instructions for printing the barcode on a check. - View Dependent Claims (9, 10, 11, 12, 13, 14, 15)
-
-
16. A computer program for locating one or more signatures on a check, comprising:
-
machine readable instructions for receiving an original or preprocessed check bitmap;
machine readable instructions for dividing the check bitmap into fixed-size tiles;
machine readable instructions for sorting the tiles into predefined classes;
machine readable instructions for identifying handwriting tiles;
machine readable instructions for adjusting the signature positions using a connected components analysis; and
machine readable instructions for generating final signature locations. - View Dependent Claims (17, 18, 19, 20)
-
Specification