System and method for check fraud detection using signature validation
First Claim
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1. A method of validating the authenticity of a signature on a document, the method comprising the steps of:
- creating a fingerprint comprising machine-readable data corresponding to authorized account signatures, the fingerprint comprising a skeletonized version of account signature data, wherein the fingerprint consists of between 100 and 500 bytes of information;
providing a document from an account, the document including an actual signature and a fingerprint;
presenting the document at a point of presentment;
scanning the document, including the actual signature and the fingerprint, into a document-processing machine; and
comparing the actual signature against the account signature data in the fingerprint;
wherein the skeletonized version of account signature data is one-dimensional.
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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.
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Citations
17 Claims
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1. A method of validating the authenticity of a signature on a document, the method comprising the steps of:
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creating a fingerprint comprising machine-readable data corresponding to authorized account signatures, the fingerprint comprising a skeletonized version of account signature data, wherein the fingerprint consists of between 100 and 500 bytes of information; providing a document from an account, the document including an actual signature and a fingerprint; presenting the document at a point of presentment; scanning the document, including the actual signature and the fingerprint, into a document-processing machine; and comparing the actual signature against the account signature data in the fingerprint; wherein the skeletonized version of account signature data is one-dimensional. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13)
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14. A method of encoding a document with account signature data for signature validation, the method comprising the steps of,
compressing the account signature data into a fingerprint comprising machine readable data corresponding to one or more account signatures, the fingerprint comprising a skeletonized version of account signature data, wherein the fingerprint consists of between 100 and 500 bytes of data; -
encoding the fingerprint into a barcode; and printing the barcode on the document; wherein the skeletonized version of account signature data is one-dimensional. - View Dependent Claims (15, 16, 17)
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Specification