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System and method for detecting cheque fraud

  • US 20070064991A1
  • Filed: 09/11/2006
  • Published: 03/22/2007
  • Est. Priority Date: 10/15/2002
  • Status: Active Grant
First Claim
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1. A fraud detection system for detecting whether information on a cheque has been improperly modified after the original preparation of the cheque, said system comprising:

  • (a) an issuance database for storing information associated with a cheque at the time of original preparation of the cheque;

    (b) a scanner for scanning the cheque and generating a digital cheque image;

    (c) a detector module comprising;

    (i) a first optical character recognition engine coupled to the cheque scanner for recognizing characters within the cheque image and for determining whether the recognized characters match the characters associated with the cheque at the time of original preparation;

    (ii) a second optical character recognition engine coupled to the cheque scanner for recognizing characters within the cheque image, said second engine having a higher accuracy than said first engine and being operated according to a first set of presets, and for determining whether the recognized characters match the characters associated with the cheque at the time of original preparation;

    (iii) a third optical character recognition engine coupled to the cheque scanner for recognizing characters within the cheque image and for determining whether the recognized characters match the characters associated with the cheque at the time of original preparation, said third engine being operated according to a second set of presets;

    (iv) a fourth optical character recognition engine coupled to the cheque scanner for recognizing characters within the cheque image, and for determining whether the recognized characters match the characters associated with the cheque at the time of original preparation, said fourth engine being adapted to enhance the resolution of the cheque image prior to reading;

    (d) a verification module for allowing manual verification of the cheque if matching has not occurred within any of said first, second, third and fourth engines;

    (e) a reporting module coupled to the detector module for compiling particulars concerning the matching results.

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