System and method for check fraud detection using signature validation
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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.
39 Citations
20 Claims
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1-10. -10. (canceled)
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11. A method of locating one or more signatures on a check, comprising the steps of:
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receiving an original or preprocessed check bitmap;
dividing the check bitmap into fixed-size tiles;
sorting the tiles into predefined classes;
identifying handwriting tiles;
adjusting the signature positions using a connected components analysis; and
generating final signature locations. - View Dependent Claims (12, 13, 14, 15)
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16. A method of locating one or more signatures on a check, comprising the steps of:
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receiving an original or preprocessed check bitmap having a predetermined signature default area;
determining the location of one or more check layout elements;
using the location of the one or more check layout elements to determine potential signature locations; and
employing a handwriting detection technique to detect the present or absence of handwriting in the potential signature locations. - View Dependent Claims (17, 18, 19, 20)
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Specification