Systems and methods for digital signature detection

• US 10,354,235 B1
• Filed: 06/12/2015
• Issued: 07/16/2019
• Est. Priority Date: 09/28/2007
• Status: Active Grant

• Current Assignee: United Services Automobile Association
• Original Assignee: United Services Automobile Association
• Inventors: Medina, III, Reynaldo
• Primary Examiner(s): Vu, Kim Y
• Assistant Examiner(s): Vanchy, Jr., Michael J
• Application Number:
  US14/738,340
• Time in Patent Office: 1,495 Days
• CPC Class Codes: G06Q 20/02 involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
• CPC Class Codes: G06Q 20/042 characterized in that the payment protocol involves at least one cheque
• CPC Class Codes: G06Q 20/0425 the cheque being electronic only
• CPC Class Codes: G06Q 20/4014 Identity check for transactions
• CPC Class Codes: G06V 10/751 Comparing pixel values or logical combinations thereof, or feature values having positional relevance, e.g. template matching
• CPC Class Codes: G06V 30/412 Layout analysis of documents structured with printed lines or input boxes, e.g. business forms or tables
• CPC Class Codes: G06V 40/33 based only on signature image, e.g. static signature recognition
• CPC Class Codes: G07C 9/35 by means of a handwritten signature

Abstract

A system, method and computer-readable medium are provided to enable digital bank endorsement. A digital image of a back side of a check may be placed in a computer memory. Appropriate coordinates for a bank endorsement may be determined. A bank endorsement may be automatically generated. The digital image may then be electronically altered by overlaying, merging, or rendering text of the generated bank endorsement. A modified digital image may be combined with an image of the front side of the check and stored and/or exported to check clearing operations.

Claims

1. A processor-implemented method for detecting a signature, comprising:

using a processor for;

accessing a negotiable instrument image, the negotiable instrument image in a first digital image format;

converting the negotiable instrument image from the first digital image format to a second digital image format;

dynamically determining a maximum pixel count threshold by sampling multiple areas in the converted negotiable instrument image;

counting a number of a type of pixels in a signature window of the converted negotiable instrument image to generate a signature window pixel count, wherein the type of pixels comprise dark pixels;

comparing the signature window pixel count to the maximum pixel count threshold; and

determining a potential signature error when the signature window pixel count is greater than the maximum pixel count threshold.

2. The method of claim 1, further comprising determining a type of negotiable instrument;

and

wherein the accessed maximum pixel count threshold is based on the determined type of negotiable instrument.

3. The method of claim 2, wherein determining the type of negotiable instrument comprises determining whether the converted negotiable instrument image is a business check image or a personal check image;

in response to determining that the converted negotiable instrument image is a business check image, accessing a business check image maximum pixel count threshold; and

in response to determining that the converted negotiable instrument image is a personal check image, accessing a personal check image maximum pixel count threshold.

4. The method of claim 3, in response to determining that the converted negotiable instrument image is a business check image, accessing a business check image minimum pixel count threshold;

in response to determining that the converted negotiable instrument image is a personal check image, accessing a personal check image minimum pixel count threshold; and

wherein the business check image minimum pixel count threshold is different from the personal check image minimum pixel count threshold.

5. The method of claim 4, wherein in response to determining that the converted negotiable instrument image is the business check image, the potential signature error is determined when the signature window pixel count is greater than the business check image maximum pixel count threshold or less than the business check image minimum pixel count threshold;

and

wherein in response to determining that the converted negotiable instrument image is the personal check image, the potential signature error is determined when the signature window pixel count is greater than the personal check image maximum pixel count threshold or less than the personal check image minimum pixel count threshold.

6. The method of claim 1, wherein dynamically determining the maximum pixel threshold comprises:

determining, from amongst the multiple areas sampled, a highest pixel count and a lowest pixel count;

averaging the highest pixel count and the lowest pixel count to generate an average pixel count; and

selecting the maximum pixel threshold to be between the highest pixel count and the average pixel count.

7. The method of claim 6, further comprising:

determining a minimum pixel count threshold dynamically; and

comparing the signature window pixel count to the minimum pixel count threshold, and

wherein the potential signature error is determined when the signature window pixel count is greater than the maximum pixel count threshold or less than the minimum pixel count threshold.

8. The method of claim 7, wherein the minimum pixel count threshold is determined dynamically by:

selecting the minimum pixel threshold to be between the lowest pixel count and the average pixel count.

9. The method of claim 1, further comprising comparing the signature window pixel count to a minimum pixel threshold;

and

wherein the potential signature error is determined when the signature window pixel count is less than the minimum pixel threshold.

10. A system for detecting a signature on a negotiable instrument, the system comprising:

a memory including processor-executable instructions; and

a processor in communication with the memory and configured, when executing the processor-executable instructions, to;

access a negotiable instrument image, the negotiable instrument image in a first digital image format;

convert the negotiable instrument image from the first digital image format to a second digital image format;

dynamically determine a maximum pixel count threshold by sampling multiple areas in the converted negotiable instrument image;

count a number of a type of pixels in a signature window of the converted negotiable instrument image to generate a signature window pixel count, wherein the type of pixels comprise dark pixels;

compare the signature window pixel count to the maximum pixel count threshold; and

determine a potential signature error when the signature window pixel count is greater than the maximum pixel count threshold.

11. The system of claim 10, wherein the processor, when executing the processor-executable instructions, is further configured to determine a type of negotiable instrument;

and

wherein the processor, when executing the processor-executable instructions, is configured to access maximum pixel count threshold based on the determined type of negotiable instrument.

12. The system of claim 11, wherein the processor, when executing the processor-executable instructions, is configured to determine the type of negotiable instrument by determining whether the converted negotiable instrument image is a business check image or a personal check image;

in response to determining that the converted negotiable instrument image is a business check image, the processor, when executing the processor-executable instructions, is configured to access a business check image maximum pixel count threshold; and

in response to determining that the converted negotiable instrument image is a personal check image, the processor, when executing the processor-executable instructions, is configured to access a personal check image maximum pixel count threshold.