Validating negotiable documents using public document validation profiles
AssigneeKappa Image LLC
InventorsJames Mason, Gilles Houle
Life of this patent
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Abstract
A system and method that allows a business or financial institution accepting negotiable documents such as checks as payments or receiving such documents in deposits to determine whether those documents are valid by comparing a set of document and maker characteristics extracted from an image of the document to the document and maker characteristics for valid documents stored in a profile. These characteristics are contained in a public document validation profile. The public document validation profile does not require the distribution of information subject to privacy laws and regulations and does not expose information of potential use to fraud perpetrators.
Claims36
A method of validating a negotiable document drawn from an account, comprising:
- generating an image of the negotiable document;
- extracting a set of characteristics from the image;
- comparing the set of characteristics with a public document validation profile associated with the account;
- and
- affirming or negating the negotiable document's validity in accordance with said comparison result.
A method of creating one or more validation profiles for a financial account, comprising:
- identifying a set of negotiable documents drawn from the financial account, the documents satisfying a predetermined set of conditions;
- generating a set of document images, each image corresponding to one of the negotiable documents;
- extracting multiple sets of characteristics from the document images, each set including characteristics of one or more predefined information fields in one document image;
- and
- creating one or more validation profiles for the financial account through analysis of the sets of characteristics.
A system for detecting fraudulent negotiable documents drawn from an account, comprising:
- an imaging device for capturing an image of a negotiable document;
- and
- a negotiable document validation device coupled to the imaging device, the negotiable document validation device further including:
- a module for extracting a set of characteristics from an image of a negotiable document;
- a module for comparing the set of characteristics with a public document validation profile associated with the account;
- and
- a module for affirming or negating the negotiable document's validity in accordance with said comparison result.
A method of validating a negotiable document requesting or ordering transfer of value from an account, comprising:
- creating a public document validation profile from a set of images of known valid documents;
- generating or otherwise obtaining an image to be analyzed of a document that is claimed to be a valid negotiable document;
- extracting a set of characteristics from the image to be analyzed;
- comparing the set of characteristics with the public document validation profile associated with the account;
- and
- affirming or negating the negotiable document's validity in accordance with said comparison result.
Dependencies are inferred from the claim text.