System and method for check fraud detection using signature validation
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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.
44 Citations
20 Claims
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1-15. -15. (canceled)
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16. A computer program for locating one or more signatures on a check, comprising:
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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)
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Specification