System and method for check fraud detection using signature validation
OwnerNikolay Kotovich, Grigori Nepomniachtchiinventors
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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.
Claims11
1-10. (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 predefined 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.