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.
Claims6
1-15. (canceled)
A computer program for locating one or more signatures on a check, comprising:
- machine readable instructions for receiving an original or preprocessed check bitmap;
- machine readable instructions for dividing the check bitmap into fixed-size tiles;
- machine readable instructions for sorting the tiles into predefined classes;
- machine readable instructions for identifying handwriting tiles;
- machine readable instructions for adjusting the signature positions using a connected components analysis;
- and
- machine readable instructions for generating final signature locations.
Dependencies are inferred from the claim text.