COMPUTERIZED INTEGRATED AUTHENTICATION/DOCUMENT BEARER VERIFICATION SYSTEM AND METHODS USEFUL IN CONJUNCTION THEREWITH
First Claim
1. A computerized document bearer authentication system operative in conjunction with a document bearer verifying functionality operative to check at least one aspect of a document bearing individual, the system comprising:
- a computerized document authenticator operative to ascertain that a presented computerized document is valid including reading data from said computerized document and using a processor to find, within said data, validation information useful in ascertaining that the presented computerized document is valid; and
a document bearer verifying functionality initiator operative to initiate operation of said document bearer verifying functionality including finding, within said data, bearer verification information useful in checking said at least one aspect and providing said verification information to said document bearer verifying functionality.
1 Assignment
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Accused Products
Abstract
A computerized document bearer authentication system operative in conjunction with a document bearer verifying functionality operative to check at least one aspect of a document bearing individual, the system comprising a computerized document authenticator operative to ascertain that a presented computerized document is valid including reading data from the computerized document and using a processor to find, within the data, validation information useful in ascertaining that the presented computerized document is valid; and a document bearer verifying functionality initiator operative to initiate operation of the document bearer verifying functionality including finding, within the data, bearer verification information useful in checking the at least one aspect and providing the verification information to the document bearer verifying functionality.
66 Citations
54 Claims
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1. A computerized document bearer authentication system operative in conjunction with a document bearer verifying functionality operative to check at least one aspect of a document bearing individual, the system comprising:
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a computerized document authenticator operative to ascertain that a presented computerized document is valid including reading data from said computerized document and using a processor to find, within said data, validation information useful in ascertaining that the presented computerized document is valid; and a document bearer verifying functionality initiator operative to initiate operation of said document bearer verifying functionality including finding, within said data, bearer verification information useful in checking said at least one aspect and providing said verification information to said document bearer verifying functionality. - View Dependent Claims (2)
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3. A computerized document bearer authentication method operative in conjunction with a document bearer verifying functionality operative to check at least one aspect of a document bearing individual, the method comprising:
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validating a presented computerized document including reading data from said computerized document and using a processor for finding, within said data, validation information useful in ascertaining that the presented computerized document is valid; and initiating operation of said document bearer verifying functionality including finding, within said data, bearer verification information useful in checking said at least one aspect and providing said verification information to said document bearer verifying functionality. - View Dependent Claims (4)
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5. A computerized document processing system for analyzing electronic documents, each comprising a cheque, the system comprising:
- using a processor to analyze a binary characteristic, having two possible values, for each electronic document each of which comprises a cheque; and
selecting one of said two possible values for at least some of said electronic documents. - View Dependent Claims (6, 7, 8, 9)
- using a processor to analyze a binary characteristic, having two possible values, for each electronic document each of which comprises a cheque; and
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10. A computerized document processing system for analyzing incoming electronic documents each comprising a cheque, the system comprising:
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a first sub-system for checking at least one of the following for each of said incoming documents, each of which comprises a cheque;
integrity of document materials;integrity of document markings; and
consistency of data within document;a database of documents each comprising a cheque; and a document-database consistency analyzer operative to ascertain consistency of incoming documents vis a vis said database, using a processor.
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11. A computerized document processing system for analyzing incoming electronic documents, the system comprising:
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a first sub-system for checking, using a processor, at least one of the following for each of said incoming documents each of which comprises a cheque;
integrity of document materials;
integrity of document markings; and
consistency of data within document; anda watch-list matcher ascertaining whether individual incoming documents, each comprising a cheque, appear on a watch-list.
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12. A computerized document processing system for analyzing incoming electronic documents, the system comprising:
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a first sub-system for checking, using a processor, at least one of the following for each of said incoming documents, each comprising a cheque;
integrity of document materials;
integrity of document markings; and
consistency of data within document; anda dynamic questioning subsystem for dynamically presenting at least one question regarding incoming documents, each comprising a cheque, vis a vis a client profile.
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13. A computerized document processing system for analyzing authenticity of incoming electronic documents, the system comprising:
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a working day database storing information indicating dates which are not working days; an issue date finder operative, using a processor, to find an issue date within an electronic document comprising a cheque; and an issue date checker operative to generate an indication as to whether the issue date found by the finder is indicated by said working day database to be a workday. - View Dependent Claims (14)
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15. A computerized document processing system for establishing identity authentication for incoming electronic documents each comprising a cheque, the system comprising:
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determining the authenticity of a document, comprising a cheque, based on parameters extracted from the document, including; providing a plurality of parameters characterizing the document including at least one cheque parameter and using a processor to compare each individual parameter from among said plurality of parameters to a corresponding plurality of known values thereby to generate a corresponding plurality of comparison results; assigning a plurality of weights to said plurality of comparison results respectively, at least one individual weight from among said plurality of weights being based on the weight'"'"'s corresponding parameter'"'"'s cumulative success at distinguishing authentic documents from non-authentic documents; and
generating an authenticity determination by computing a weighted combination of the plurality of comparison results using said plurality of weights. - View Dependent Claims (16, 17)
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18. A computerized document processing system for analyzing incoming multi-level electronic documents, the system comprising:
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a binarization functionality operative to generate binarized representations of incoming multilevel electronic documents each comprising a cheque by using a processor to apply a set of at least one binarization threshold to said multi-level electronic documents; and a learning subsystem operative to accumulate experience and to dynamically change said binarization thresholds based on said experience. - View Dependent Claims (19, 20)
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21. A computerized document processing system for analyzing incoming multi-level electronic documents, the system comprising:
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analyzing said incoming documents, each comprising a cheque, including using a processor to binarize said documents using a set of binarization thresholds and computing a weighted combination of parameters characterizing the document, the weighted combination defining a set of weights; and wherein at least one of said sets is at least partly determined dynamically as a function of the system'"'"'s changing state of knowledge including knowledge regarding changes in tolerances of processes used to produce said documents.
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22. A computerized document processing system for analyzing incoming electronic documents, the system comprising:
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a database storing a plurality of templates each corresponding to an individual series of an individual type of document in an individual country; apparatus for maintaining the database including a matcher operative, using a processor, to identify incoming documents, at least one of which comprises a cheque, which does not match any of said plurality of templates, to generate a new template in said database, each time an incoming document is found not to match any of said plurality of templates and, for each individual template from among said plurality of templates, to statistically analyze those incoming documents which match said individual template and to update said individual template accordingly. - View Dependent Claims (23)
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24. A computerized document processing system for analyzing incoming electronic documents each comprising a cheque having VIZ and MRZ zones, the system comprising:
apparatus for comparing data in said VIZ with data in said MRZ and for using a processor to evaluate consistency accordingly.
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25. A computerized document processing system for analyzing incoming electronic documents, having VIZ and MRZ zones and being associated with a cheque, the system comprising:
apparatus for supplying images of an incoming document in a plurality of scanned illuminations as well as a photo image from visible illumination, wherein each image is supplied immediately after a certain illumination has been scanned and even before all illuminations are completed. - View Dependent Claims (26, 27)
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28. A computerized cheque processing system comprising:
apparatus for providing scans of cheques; a database of cheque types; and a display which displays a scan of at least one submitted cheque under at least one illumination alongside an image of a same-type cheque from the bank'"'"'s database, enabling tellers to perform straightforward comparison and authentication. - View Dependent Claims (29, 30)
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31. A computerized cheque authentication method comprising:
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receiving at least one electronic representation of a cheque; and analyzing said electronic representation including using a processor for identifying at least one inconsistency, if such exists, within the cheque. - View Dependent Claims (34, 35, 38, 39)
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32. A computerized cheque authentication method comprising:
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receiving at least one electronic representation of a cheque; and using a processor for analyzing said electronic representation including determining whether the cheque is valid and belongs to its owner. - View Dependent Claims (33, 47, 48, 49, 50)
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36. A computerized cheque authentication method comprising:
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receiving an IR electronic representation representing the cheque under IR illumination and a UV electronic representation representing the cheque under UV illumination; and using a processor to analyze said electronic representations and to detect signs of tampering. - View Dependent Claims (51, 52)
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37. A cheque authentication method comprising:
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receiving at least one electronic representation of a cheque, presented by a cheque presenter, which has special serial numbers; and using a processor to analyze said electronic representation including finding said special serial numbers and determining whether said special serial numbers correspond to externally provided information regarding at least said cheque presenter'"'"'s name. - View Dependent Claims (53, 54)
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40. A computerized method for authenticating documents having VIZ sections, the method comprising:
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capturing an image of a document, comprising a cheque, to be authenticated from a scanner and enhancing the captured image; and using a processor for identifying and cropping a VIZ section in said image. - View Dependent Claims (41, 42, 43)
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44. A computerized document bearer authentication system operative in conjunction with a document bearer checking functionality operative to check at least one aspect of a document bearing individual, the system comprising:
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a computerized document authenticator operative to ascertain that a presented computerized document is valid including reading data from said computerized document and using a processor to find, within said data, validation information useful in ascertaining that the presented computerized document is valid; and a document bearer checking functionality initiator operative to initiate operation of said document bearer checking functionality including finding, within said data, checking information useful in checking said at least one aspect and providing said checking information to said document bearer checking functionality. - View Dependent Claims (45)
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46. A computer program product, comprising a computer usable medium having a computer readable program code embodied therein, said computer readable program code adapted to be executed to implement any of the methods shown and described herein.
Specification