System and method for check fraud detection using signature validation
AssigneeMitek Systems, Inc.
InventorsNikolay Kotovich, Grigori Nepomniachtchi
Life of this patent
Estimating the term…
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.
Claims20
A method of encoding a document with account signature data for signature validation, the method comprising the steps of:
- compressing the account signature data to a fingerprint comprising machine-readable readable data corresponding to one or more account signatures, the fingerprint comprising a one-dimensional skeletonized version of account signature data containg 100 bytes of information or less,
- evaluating the complexity and topology of each account signature;
- encoding the fingerprint into a barcode;
- printing the barcode on the document;
- and
- determining a person-specific confidence threshold for each account signature based upon the complexity and topology of each account signature.
(canceled)
A method of locating one or more signatures on a check, comprising the steps of:
- receiving an original or preprocessed check bitmap;
- dividing the check bitmap into fixed-size tiles;
- sorting the tiles into prodefined classes;
- identifying handwriting tiles;
- adjusting the signature positions using a connected components analysis;
- and
- generating final signature locations.
A method of locating one or more signatures on a check, comprising the steps of:
- receiving an original or preprocessed check bitmap having a predetermined signature default area;
- determining the location of one or more check layout elements;
- using the location of the one or more check layout elements to determine potential signature locations;
- and
- employing a handwriting detection technique to detect the present or absence of handwriting in the potential signature locations.
Dependencies are inferred from the claim text.