Identity verification systems and methods

A system comprising:

• a processor, a memory device, a network interface device, and instructions stored on the memory device that are executable by the processor to perform data processing activities, the data processing activities executed by the processor comprising:
• analyzing a set of handwriting characteristics for each of a plurality of individuals for whom handwriting data from previously processed checks that have been received in digital image form and respective representations of which are stored in a database stored on the memory device, each set of handwriting characteristics analyzed by a process that executes against a plurality of handwriting samples of each individual from archived documents stored in the database to identify characteristics of an individual's handwriting across a plurality of documents associated in stored data with an identity of an the individual's identity;
• wherein the process identifies and extracts unique characteristics of the individual's handwriting by analyzing archived documents stored in the database to build a unique handwriting fingerprint that enables authentication of an individual in emergency situations when other identification items or solutions are not available;
• the process including:
• identifying and extracting representations of characteristics of handwriting from stored handwriting samples, the characteristics including neatness, fluidity, rhythmic, artistic embellishment, slant or inclination of characters, character forms, movement of a writing utensil when forming characters or portions thereof, proportions of character portions compared to a whole character or other portions, height ratios of characters with relation to one or more other characters, loop shape and form, pressure as is evident from line width, writing utensil lifting when forming certain characters, exit and entry strokes for characters, retracing, character and word spacing, case of letters, and other characteristics;
• storing, in the database on the memory device, a set of extracted handwriting characteristics of the individual identified during processing of a plurality of handwriting samples of each individual, wherein the database stores sets of handwriting characteristics for a set of individuals generated from previously processed check images, each set of handwriting characteristics stored as a data representation of a plurality of handwriting characteristics including data representation of:
• character slant;
• character forms;
• writing instrument direction of movement when forming a character or portion thereof;
• proportions between character portions;
• height ratios between characters;
• and
• character loop forms;
• wherein storing further includes maintaining at least two or more separate data representations for a given individual who utilizes two or more distinct handwriting styles and maintaining the at least two or more separate data representations as handwriting fingerprints for corresponding individuals in the database;
• receiving, by the processor, an input handwriting sample captured by an imaging device as an image of a check through a web service call;
• computing, by the processor, whether the input handwriting sample captured as the image of the check received via the network interface device is handwriting of the individual based on an individual's stored handwriting fingerprints wherein computing further includes determining a degree of uniqueness for the input handwriting sample, wherein computing further includes generating a value for the degree of uniqueness for the input handwriting sample in view of the individual's stored handwriting fingerprints based on the characteristics in a set corresponding to the individual in the individual's stored handwriting fingerprints and based on corresponding characteristics extracted from the input handwriting sample, wherein the degree of uniqueness is generated based on a degree of matching of certain characteristics of a handwriting fingerprint with a handwriting input, a number of matches, and a frequency of matches;
• outputting, from the processor, a result of the computing via the network interface device via the web service call for determination by a terminal whether the check can be used as payment or deposited at the terminal and providing the degree of uniqueness as an authentication of the individual when the individual fails to have other identification items needed for authentication of the individual associated with the check;
• and
• providing the data processing activities as a web service to the terminal.