Method and system for duplicate check detection

• US 8,639,017 B1
• Filed: 09/14/2012
• Issued: 01/28/2014
• 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): Bitar, Nancy
• Application Number:
  US13/616,099
• Time in Patent Office: 501 Days
• Field of Search: None
• US Class Current: 382/139
• 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 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 that comprises check accounting data associated with one or more checks;

processing the check data to extract the check accounting data;

creating a character string from a subset of the check accounting data for each of the one or more checks;

applying a Bloom filter using four hash functions to the character string such that four single bit hash value addresses are computed;

determining that a check is a potential suspected duplicate the four bits values addressed by the four single bit hash value addresses being equal to a first value;

outputting a listing of each potential suspected duplicate; and

performing additional processing on each potential suspected duplicate to determine if the potential suspected duplicate is a true suspected duplicate.

2. The system of claim 1, further comprising:

comparing the check data to an exclusion table; and

removing the check data from further processing upon the check data appearing on the exclusion table.

3. The system of claim 1, further comprising:

allowing a user to interact with the system through an interface.

4. The system of claim 3, wherein the interface allows a user to review the listing of suspected duplicates.

5. The system of claim 1, wherein the check data is in an image format from which the check accounting data can be extracted.

6. The system of claim 1, wherein the check accounting data comprises MICR data.

7. The system of claim 4, wherein the user queues one or more of the true suspected duplicates for fraud analysis.

8. The system of claim 1, wherein the determination of suspected duplicates is performed against check data for a predetermined time period.

9. The system of claim 1, wherein the Bloom filter is part of a Bloom filter service.

10. The system of claim 9, further comprising:

starting the Bloom filter service upon receipt of the check data.

11. The system of claim 10, further comprising:

stopping the Bloom filter service upon completion of determining if each check is a suspected duplicate.

12. The system of claim 1, wherein the subset of the check accounting data comprises an aux on-us code, a routing and transit number, an on-us code, and an amount.