System and method for check fraud detection using signature validation
First Claim
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1. A method of encoding a document with account signature data for signature validation, the method comprising the steps of:
- compressing the account signature data to a fingerprint comprising machine-readable data corresponding to one or more account signatures, the fingerprint comprising a one-dimensional skeletonized version of account signature data containing 100 bytes of information or less;
evaluating the complexity and topology of each account signature;
encoding the fingerprint into a barcode;
printing the barcode on the document; and
determining a person-specific confidence threshold for each account signature based upon the complexity and topology of each account signature.
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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
9 Claims
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1. A method of encoding a document with account signature data for signature validation, the method comprising the steps of:
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compressing the account signature data to a fingerprint comprising machine-readable data corresponding to one or more account signatures, the fingerprint comprising a one-dimensional skeletonized version of account signature data containing 100 bytes of information or less; evaluating the complexity and topology of each account signature;
encoding the fingerprint into a barcode;
printing the barcode on the document; anddetermining a person-specific confidence threshold for each account signature based upon the complexity and topology of each account signature. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9)
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Specification