Systems and methods of assessing documents using multiple profile representations

• US 20070110311A1
• Filed: 01/03/2007
• Published: 05/17/2007
• Est. Priority Date: 03/15/2002
• Status: Active Grant

• Current Assignee: Babur Nugmanov, Gilles Houle, James Mason, Johan Willem Berkhuysen, Katerina Blinova, Malayappan Shridhar, Ronny Bakker
• Original Assignee: Babur Nugmanov, Gilles Houle, James Mason, Johan Willem Berkhuysen, Katerina Blinova, Malayappan Shridhar, Ronny Bakker
• Inventors: Mason, James, Blinova, Katerina, Shridhar, Malayappan, Nugmanov, Babur, Bakker, Ronny, Houle, Gilles, Berkhuysen, Johan Willem
• Granted Patent: US 7,630,552 B2
• Time in Patent Office: Days
• US Class Current: 382/186
• CPC Class Codes: G06V 30/10 Character recognition
• CPC Class Codes: G06V 30/133 Evaluation of quality of the acquired characters
• CPC Class Codes: G06V 30/274 Syntactic or semantic context, e.g. balancing
• CPC Class Codes: G06V 40/30 Writer recognition; Reading and verifying signatures

Abstract

Methods and systems are provided for analyzing and assessing documents using a writing profile for documents, such as a payment instrument. A method may include providing a document to a computer system. The document comprises at least one information field. Writing in at least one information field of the document may be compared to at least two writing profile representations from at least one information field of at least one other document.

Claims

1. A method of assessing a document using a computer system, comprising:

providing a document to the computer system, wherein the document comprises at least one information field; and

comparing writing in at least one information field of the document to at least two writing profile representations from at least one information field of at least one other document.

2. The method of claim 1, wherein providing the document to the computer system comprises providing images of the document to the computer system.

3. The method of claim 1, further comprising assessing fraud in the document using at least one of the comparisons.

4. The method of claim 1, wherein comparing writing comprises comparing at least one characteristic of the writing.

5. The method of claim 1, further comprising assessing fraud in the document using at least two of the comparisons.

6. The method of claim 1, further comprising assessing fraud in the document using at least one of the comparisons, wherein evidence of fraud comprises a failure of at least a portion of the writing in at least two of the information fields of the document to approximately match at least one writing profile representation.

7. The method of claim 1, further comprising assessing fraud in the document using at least two of the comparisons, wherein evidence of fraud comprises a failure of at least a portion of the writing in at least one of the information fields of the document to approximately match at least one writing profile representation.

8. The method of claim 1, wherein at least one writing profile representation is obtained from a valid document.

9. The method of claim 1, further comprising comparing writing in at least one information field of the document to at least two writing profile representations obtained from at least two information fields of at least one other document.

10. The method of claim 1, wherein the document comprises at least two information fields, and further comprising comparing writing in at least two information fields of the document to at least two writing profile representations obtained from at least one information field of at least one other document.

11. The method of claim 1, wherein the document comprises at least two information fields, and further comprising comparing writing in at least two information fields of the document to at least two writing profile representations obtained from at least two information fields of at least one other document.

12. The method of claim 1, wherein at least one of the documents comprises a payment instrument, and wherein the writing is handwriting from at least one account owner of an account of the payment instrument.

13. The method of claim 1, wherein providing the document to the computer system comprises obtaining images of handwriting of at least one information field.

14. The method of claim 1, wherein the writing from at least one information field comprises an image.

15. The method of claim 1, further comprising creating a mathematical representation of the writing in at least one information field.

16. The method of claim 1, wherein the writing comprises at least one image.

17. The method of claim 1, wherein the writing comprises at least one type of handwritten information.

18. The method of claim 1, wherein the writing comprises at least one type of handwritten information, and wherein at least one type of handwritten information comprises a word type.

19. The method of claim 1, wherein the writing comprises at least one type of handwritten information, and wherein at least one type of handwritten information comprises a character type.

20. The method of claim 1, wherein the writing comprises at least one global feature of the writing.

21. The method of claim 1, wherein the writing comprises at least one local feature of the writing.

22. The method of claim 1, wherein the writing comprises at least one syntax pattern.

23. The method of claim 1, wherein the writing comprises at least one lexicon name for at least one information field.

24. The method of claim 1, wherein at least one writing profile representation comprises at least one mathematical representation.

25. The method of claim 1, wherein at least one writing profile representation comprises at least one image.

26. The method of claim 1, wherein at least one writing profile representation comprises at least one type of handwritten information.

27. The method of claim 1, wherein at least one writing profile representation comprises at least one handwriting variant of an example of at least one type of handwritten information.

28. The method of claim 1, wherein at least one writing profile representation comprises at least one handwriting variant of an example of at least one type of handwritten information, and wherein at least one type of handwritten information comprises a word type.

29. The method of claim 1, wherein at least one writing profile representation comprises at least one handwriting variant of an example of at least one type of handwritten information, and wherein at least one type of handwritten information comprises a character type.

30. The method of claim 1, wherein at least one writing profile representation comprises at least one handwriting variant of an example of at least one type of handwritten information, and further comprising determining at least one of the variants with a cluster algorithm.

31. The method of claim 1, wherein at least one writing profile representation comprises at least one global characteristic of the writing.

32. The method of claim 1, wherein at least one writing profile representation comprises at least one local characteristic of the writing.

33. The method of claim 1, wherein at least one writing profile representation comprises at least one variant of a syntax pattern.

34. The method of claim 1, wherein at least one writing profile representation comprises at least one lexicon name for at least one information field.

35. The method of claim 1, wherein writing in at least one of the information fields of the document comprises at least two examples of a type of handwritten information, and further comprising comparing at least two of the examples to assess whether two or more of the examples approximately match.

36. The method of claim 1, wherein the document comprises at least two information fields, wherein at least two information fields of the document comprise at least one example of a type of handwritten information, and further comprising comparing at least two of the examples in at least two of the information fields to assess whether two or more of the examples approximately match.

37. A system, comprising:

a CPU;

a data memory coupled to the CPU; and

a system memory coupled to the CPU, wherein the system memory is configured to store one or more computer programs executable by the CPU, and wherein the computer programs are executable to implement a method of assessing a document, the method comprising;

providing a document to the computer system, wherein the document comprises at least one information field; and

comparing writing in at least one information field of the document to at least two writing profile representations from at least one information field of at least one other document.

38. A carrier medium comprising program instructions, wherein the program instructions are computer-executable to implement a method of assessing a document, the method comprising:

providing a document to the computer system, wherein the document comprises at least one information field; and

comparing writing in at least one information fields of the document to at least two writing profile representations from at least one information field of at least one other document.

39. A method of assessing a document using a computer system, comprising:

providing a document to the computer system, wherein the document comprises at least two information fields;

analyzing a correlation of information between two or more of the information fields, wherein the analysis of a first information field of the document is dependent on what information is in a second information field of the document; and

comparing writing in at least one of the information fields of the document to at least one writing profile representation from a corresponding information field of at least one other document.