Systems and methods for digital signature detection
First Claim
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1. A processor-implemented method for detecting a signature, comprising:
- using a processor for;
receiving an image of a negotiable instrument in an image memory;
converting the negotiable instrument image from a first digital image format to a second digital image format;
detecting a type of the negotiable instrument in the second digital image format, wherein detecting the type of the negotiable instrument comprises;
determining whether the negotiable instrument image is a business check image or a personal check image;
in response to determining that the negotiable instrument image is a business check image, accessing a business check image minimum pixel count threshold; and
in response to determining that the negotiable instrument image is a personal check image, accessing a personal check image minimum pixel count threshold, wherein the business check image minimum pixel count threshold is different from the personal check image minimum pixel count threshold;
selecting a signature window location technique to apply to the negotiable instrument image based on the detected type of the negotiable instrument;
determining a signature window location using the selected signature window location technique;
counting a number of dark pixels in the determined signature window location in the negotiable instrument image to generate a signature window pixel count;
comparing the signature window pixel count to a minimum pixel count threshold for the detected type of negotiable instrument; and
determining a potential signature error when the signature window pixel count is less than the minimum pixel count threshold for the detected type of negotiable instrument.
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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.
1098 Citations
19 Claims
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1. A processor-implemented method for detecting a signature, comprising:
using a processor for; receiving an image of a negotiable instrument in an image memory; converting the negotiable instrument image from a first digital image format to a second digital image format; detecting a type of the negotiable instrument in the second digital image format, wherein detecting the type of the negotiable instrument comprises; determining whether the negotiable instrument image is a business check image or a personal check image; in response to determining that the negotiable instrument image is a business check image, accessing a business check image minimum pixel count threshold; and in response to determining that the negotiable instrument image is a personal check image, accessing a personal check image minimum pixel count threshold, wherein the business check image minimum pixel count threshold is different from the personal check image minimum pixel count threshold; selecting a signature window location technique to apply to the negotiable instrument image based on the detected type of the negotiable instrument; determining a signature window location using the selected signature window location technique; counting a number of dark pixels in the determined signature window location in the negotiable instrument image to generate a signature window pixel count; comparing the signature window pixel count to a minimum pixel count threshold for the detected type of negotiable instrument; and determining a potential signature error when the signature window pixel count is less than the minimum pixel count threshold for the detected type of negotiable instrument. - View Dependent Claims (2, 3, 4, 5, 6)
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7. A processor-implemented method for detecting a signature, comprising:
using a processor for; receiving an image of a negotiable instrument in an image memory; converting the negotiable instrument image from a first digital image format to a second digital image format; detecting a type of the negotiable instrument in the second digital image format; selecting a signature window location technique to apply to the negotiable instrument image based on the detected type of the negotiable instrument; determining a signature window location using the selected signature window location technique; counting a number of dark pixels in the determined signature window location to generate a signature window pixel count; comparing the signature window pixel count to a pixel count threshold range; determining a potential signature error when the signature window pixel count is outside the pixel count threshold range; and wherein comparing the signature window pixel count to the pixel count threshold range comprises dynamically determining a maximum pixel count threshold by; sampling pixel counts from multiple areas in the negotiable instrument image; 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 count threshold to be between the highest pixel count and the average pixel count. - View Dependent Claims (8, 9, 10, 11, 12)
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13. A system for detecting a signature on a negotiable instrument, the system comprising:
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a memory including processor-executable instructions; and a processor in communication with the memory and configured, when executing the processor-executable instructions, to; receive an image of a negotiable instrument in an image memory; convert the negotiable instrument image from a first digital image format to a second digital image format; detect a type of the negotiable instrument in the second digital image format, wherein to detect the type of the negotiable instrument the processor is configured to; determine whether the negotiable instrument image is a business check image or a personal check image; in response to determining that the negotiable instrument image is a business check image, access a business check image minimum pixel count threshold; and in response to determining that the negotiable instrument image is a personal check image, access a personal check image minimum pixel count threshold, wherein the business check image minimum pixel count threshold is different from the personal check image minimum pixel count threshold; select a signature window location technique to apply to the negotiable instrument image based on the detected type of the negotiable instrument; determine a signature window location using the selected signature window location technique; count a number of dark pixels in the determined signature window location to generate a signature window pixel count; compare the signature window pixel count to a minimum pixel count threshold for the detected type of the negotiable instrument; and determine a potential signature error when the signature window pixel count is less than the minimum pixel count threshold for the detected type of negotiable instrument. - View Dependent Claims (14, 15, 16, 17, 18, 19)
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Specification