Systems and methods for counterfeit check detection
AssigneeUnited Services Automobile Association (USAA)
InventorsReynaldo Medina, III, Nandhini Sridaran, Mario Gutierrez, Robert G. Wood, Adam Newman, William Barfield
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Abstract
Techniques for detecting counterfeit checks include using sensors to determine correspondence between a portion of sensed check information and related information; analyzing behavior related to accounts to a check deposit transaction; and controlling check depositing through user interface controls or communication. These techniques can be employed individually or in combination.
Claims18
A non-transitory computer-readable medium, comprising instructions, which when executed by a computer cause the computer to:
- receive at a check deposit infrastructure a data transmission including at least a portion of a check image representing a check for deposit using the check deposit infrastructure;
- identify edges of at least the portion of the check;
- crop at least one feature within the portion of the check;
- binarize the at least one feature to produce a binarized image;
- apply a filter to the binarized image for readability, wherein the filter is based on detected lighting conditions;
- analyze the portion of the check image to identify at least a first item of check information on a front or a back of the check image, a second item of check information on the front or back of the check image, and a check signature;
- analyze the first item of check information and the second item of check information;
- determine item correspondence between the first item of check information on the front or back of the check image and the second item of check information on the front or back of the check image;
- compare the check signature to an account signature to determine signature correspondence between the check signature and the account signature;
- and
- determine a check score based on the item correspondence and the signature correspondence.
A non-transitory computer-readable medium, comprising instructions, which when executed by a computer cause the computer to:
- receive at a check deposit infrastructure a data transmission including at least a portion of a check image representing a check for deposit using the check deposit infrastructure;
- identify edges of at least the portion of the check;
- crop at least one feature within the portion of the check;
- binarize the at least one feature to produce a binarized image;
- apply a filter to the binarized image for readability, wherein the filter is based on detected lighting conditions;
- analyze the portion of the check after image processing to identify an account associated with the check;
- determine a check writing toggle that check writing is disabled with respect to the account;
- and
- determine a check score based on the check writing toggle, the check score is determinative to reject the check.
A non-transitory computer-readable medium, comprising instructions, which when executed by a computer cause the computer to:
- receive at a check deposit infrastructure a data transmission including at least a portion of a check image representing a check for deposit using the check deposit infrastructure;
- identify edges of at least the portion of the check;
- crop at least one feature within the portion of the check;
- binarize the at least one feature to produce a binarized image;
- apply a filter to the binarized image for readability, wherein the filter is based on detected lighting conditions;
- analyze the data transmission;
- identify a payee of the check based on analysis of the data transmission;
- analyze the portion of the check after image processing to identify an account associated with a drawer of the check;
- receive behavioral data related to the payee of the check and the drawer of the check;
- analyze the behavioral data to determine a behavior risk;
- and
- determine a check score based on the behavior risk.
Dependencies are inferred from the claim text.