System and method for check fraud detection using signature validation
First Claim
Patent Images
1. A computer program for preventing check fraud using signature validation, the computer program comprising:
- machine readable instructions for creating a fingerprint containing machine-readable data corresponding to authorized account signatures, the fingerprint comprising a on-dimensional skeletonized version of the authorized account signatures;
machine readable instructions for encoding the fingerprint into a barcode; and
machine readable instructions for printing the barcode on a document.
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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.
97 Citations
18 Claims
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1. A computer program for preventing check fraud using signature validation, the computer program comprising:
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machine readable instructions for creating a fingerprint containing machine-readable data corresponding to authorized account signatures, the fingerprint comprising a on-dimensional skeletonized version of the authorized account signatures; machine readable instructions for encoding the fingerprint into a barcode; and machine readable instructions for printing the barcode on a document. - View Dependent Claims (2, 3, 4, 5, 6)
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7. A computer program for preventing check fraud using signature validation, the computer program comprising:
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machine readable instructions for creating a one-dimensional fingerprint containing machine-readable corresponding to authorized account signatures; machine readable instructions for evaluating the topology of each account signature; machine readable instructions for encoding the fingerprint into a barcode; and machine readable instructions for printing the barcode on a check. - View Dependent Claims (8, 9, 10, 11, 12, 13, 14)
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15. A computer program for preventing check fraud using signature validation, the computer program comprising:
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machine readable instructions for creating a one-dimensional fingerprint containing machine-readable data corresponding to authorized account signatures; machine readable instructions for evaluating the topology of each account signature; machine readable instructions for encoding the fingerprint into a barcode; machine readable instructions for printing the barcode on a check; and machine readable instructions for determining a person-specific confidence threshold for each account signature based upon the topology of each account signature. - View Dependent Claims (16, 17, 18)
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Specification