System and method for check fraud detection using signature validation
AssigneeMitek Systems, Inc.
InventorsNikolay Kotovich, Grigori Nepomniachtchi
Life of this patent
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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.
Claims20
A method of validating the authenticity of a signature on a document, the method comprising the steps of:
- creating a fingerprint comprising machine-readable data corresponding to authorized account signatures, the fingerprint comprising a one-dimensional skeletonized version of account signature data, wherein the fingerprint contains 500 bytes of information or less;
- providing a document from an account, the document including an actual signature and a fingerprint;
- presenting the document at a point of presentment;
- scanning the document, including the actual signature and the fingerprint, into a document-processing machine;
- and
- comparing the actual signature against the account signature data in the fingerprint.
(canceled)
A method of encoding a document with account signature data for signature validation, the method comprising the steps of.
- compressing the account signature data into a fingerprint comprising machine readable data corresponding to one or more account signatures, the fingerprint comprising a one-dimensional skeletonized version of account signature data, wherein the fingerprint comprises 100 bytes of data or less;
- encoding the fingerprint into a barcode;
- and
- printing the barcode on the document.
(canceled)
Dependencies are inferred from the claim text.