Method and system for duplicate check detection

• US 8,391,584 B2
• Filed: 10/20/2008
• Issued: 03/05/2013
• Est. Priority Date: 10/20/2008
• Status: Active Grant

• Current Assignee: JP Morgan Chase Bank, N.A. (JP Morgan Chase & Co)
• Original Assignee: JP Morgan Chase Bank, N.A. (JP Morgan Chase & Co)
• Inventors: Anderson, Milton M.
• Primary Examiner(s): Park, Chan S
• Assistant Examiner(s): Bitar, Nancy
• Application Number:
  US12/254,333
• Publication Number:
  US 20100098318A1
• Time in Patent Office: 1,597 Days
• Field of Search: 705/45, 707/3, 380/64, 713/168, 713/179, 713/180, 713/175, 713/176, 382/115, 382/139
• US Class Current: 382/137
• CPC Class Codes: G06Q 20/042 characterized in that the payment protocol involves at least one cheque
• CPC Class Codes: G06Q 20/382 insuring higher security of transaction
• CPC Class Codes: G06Q 30/0185 Product, service or business identity fraud
• CPC Class Codes: G06Q 40/12 Accounting
• CPC Class Codes: G06V 30/2253 Recognition of characters printed with magnetic ink G06V30/2247 takes precedence
• CPC Class Codes: G07F 7/04 by paper currency
• CPC Class Codes: G07F 7/08 by coded identity card or credit card or other personal identification means without personal verification means G07F7/02
• CPC Class Codes: G07F 7/125 Offline card verification

Abstract

A system and method for detecting duplicate checks during processing. The duplicate detection may be performed by a financial institution, such as a bank. The method may be implemented on a computer based system. The duplicate detection method may be automated. The method may be applied to incoming check files prior to processing of the check data to prevent processing of duplicate checks. The system and method may use a function, such as a hash function, to perform the duplicate detection. Other functions, such as a Bloom filter which may use multiple hash functions, may be used to perform the duplicate detection.

Claims

1. A computer-implemented method for detecting duplicate checks, the method comprising the steps of:

receiving check data wherein the check data comprises at least check accounting data associated with one or more checks;

applying, by a computer processor, a function to the check data wherein the function computes a value based on the check data and the value is one of a set of elements;

selecting, by the computer processor, an element from the set where an index of the element corresponds to the computed value and the index is an index to a set of Boolean objects, the steps of applying and selecting further comprising;

creating a hash value from the data using a hash function; and

computing a single bit address in a hash table of the hash value wherein the index comprises an address of a single bit and wherein the table comprises the hash table;

determining that a check is not a duplicate if the element is in an initialized state, the step of determining that the check is not a duplicate further comprising;

reading a state of the addressed single bit from the hash table; and

determining if the state of the single bit read is equal to the initialized state;

determining that the check is a suspected duplicate if the element is in an altered state, and

modifying the element by altering a state of the element, the step of modifying further comprising;

setting the state of the addressed bit in the hash table to the altered state if the address of the single hit is not equal to the altered state.

2. The method of claim 1, wherein the set is an array.

3. The method of claim 1, wherein the element of the set is a single bit.

4. The method of claim 1, further comprising the step of:

reviewing the suspected duplicate to determine if it is a true duplicate.

5. The method of claim 4, further comprising the step of:

queuing the true duplicate for fraud analysis.

6. The method of claim 4, wherein the step of reviewing is performed by an operator.

7. The method of claim 1, wherein check data comprises an image in a format wherein the check accounting data can be extracted therefrom.

8. The method of claim 1, wherein the check accounting data comprises MICR data.

9. The method of claim 1, wherein the determination of the suspected duplicate is performed against check data for a predetermined time period.

10. The method of claim 1, wherein the hash function outputs a hash value and wherein the set comprises a single bit table wherein the altered state is equal to a first value and the initialized state is equal to an initial value.

11. The method of claim 10, wherein the first value is equal to 1 and the initial value is equal to 0.

12. The method of claim 1, further comprising the steps of:

extracting one or more components from the check accounting data for each individual check; and

creating a string of characters based on the one or more extracted components, wherein the function computes the value based on the string.

13. A system for detecting duplicate checks, comprising:

at least one processor;

a memory comprising computer-readable instructions which when executed by the processor cause the processor to perform the steps comprising;

receiving check data wherein the check data comprises at least check accounting data associated with one or more checks;

determining if the check data is unique by applying a function to the check data wherein the function computes a value based on the check data and the value is one of a set of elements, wherein the function selects an element from the set where an index of the element corresponds to the computed value and the index is an index to a set of Boolean objects, wherein the function further comprises;

creating a hash value from the data using a hash function; and

computing a single bit address in a hash table of the hash value wherein the index comprises an address of a single bit and wherein the table comprises the hash table;

determining that a check is not a duplicate if the element is in an initialized state by

reading a state of the addressed single bit from the hash table; and

determining if the state of the single bit read is equal to the initialized state, and further determining that the check is a suspected duplicate if the element is in an altered state;

modifying the element for processing of further checks by altering a state of the element by setting the state of the addressed bit in the hash table to the altered state if the address of the single bit is not equal to the altered state;

outputting, based on results from the function module, a listing of suspected duplicate checks; and

a storage module connected to the system and configured to store data associated with the system.

14. The system of claim 13, the steps further comprising:

extracting one or more components from the check accounting data for each individual check.

15. The system of claim 13, further comprising:

a user interface module configured to allow a user to interact with the system.

16. The system of claim 15, wherein the user interface module allows a user to review the listing of suspected duplicate checks.

17. The system of claim 13, wherein the image of the one or more checks is in a image format wherein the check accounting data can be extracted therefrom.

18. The system of claim 13, wherein the check accounting data comprises MICR data.

19. The system of claim 13, wherein the user queues one or more of the suspected duplicate checks for fraud analysis.

20. The system of claim 13, further comprising:

presenting check data against check data from a predetermined time period and check data from a time period prior to the predetermined time period.

21. The system of claim 13, wherein a Bloom filter is used.

22. The system of claim 21, wherein the Bloom filter comprises at least two single bit hash functions.

23. A computer-implemented method for detecting duplicate checks, the method comprising the steps of:

receiving check data wherein the check data comprises at least check accounting data associated with one or more checks;

extracting one or more components from the check accounting data for each individual check; and

creating a string of characters based on the one or more extracted components,

applying, by a computer processor, a function to the string wherein the function computes a value based on the string and the value is one of a set of elements;

selecting, by the computer processor, an element from the set, comprising an array, where an index of the element corresponds to the computed value and the element of the set is a single bit and the index is an index to a set of Boolean objects, the steps of applying and selecting further comprising;

creating a hash value from the data using a hash function; and

computing a single bit address in a hash table of the hash value wherein the index comprises an address of a single bit and wherein the table comprises the hash table;

determining that a check is not a duplicate if the element is in an initialized state, the step of determining that the check is not a duplicate further comprising;

reading a state of the addressed single bit from the hash table; and

determining if the state of the single bit read is equal to the initialized state;

determining that the check is a suspected duplicate if the element is in an altered state wherein the determination of the suspected duplicate is carried out against check data comprising a predetermined time period;

modifying the element for processing of further checks by altering a state of the element, the step of modifying further comprising;

setting the state of the addressed bit in the hash table to the altered state if the address of the single bit is not equal to the altered state;

reviewing the suspected duplicate to determine if it is a true duplicate wherein the step of reviewing is performed by an operator; and

queuing the true duplicate for fraud analysis.

24. A computer-implemented method for detecting duplicate checks, the method comprising the steps of:

receiving check data wherein the check data comprises at least check accounting data associated with one or more checks;

applying, by a computer processor, a function to the check data wherein the function computes a value based on the check data and the value is one of a set of elements;

selecting, by the computer processor, an element from the set where an index of the element corresponds to the computed value and the index is an index to a set of Boolean objects, the steps of applying and selecting further comprising;

creating two or more hash values from the data using at least two hash functions; and

selecting two or more elements from the set using two or more values as indices;

determining that a check is not a duplicate if one or more of the elements are in an initialized state, the step of determining that the check is not a duplicate further comprising;

reading the single bit addressed by each hash value from the hash table; and

determining if the bit addressed is equal to the initialized state for each of the at least two hash functions;

determining that the check is a suspected duplicate if the element is in an altered state, and

modifying the element by altering a state of the element, the step of modifying further comprising;

setting the single bit addressed of each hash value equal to the altered state if the bit addressed was not equal to the altered state.