Systems and methods for counterfeit check detection

Patent metadata

Field	Value
Publication number	US-10210522-B1
Application number	US-201715707122-A
Country	US
Kind code	B1
Filing date	Sep 18, 2017
Priority date	Sep 19, 2016
Publication date	Feb 19, 2019
Grant date	Feb 19, 2019

Abstract

Techniques for detecting counterfeit checks include using sensors to determine correspondence between a portion of sensed check information and related information; analyzing behavior related to accounts to a check deposit transaction; and controlling check depositing through user interface controls or communication. These techniques can be employed individually or in combination.

First claim

What is claimed is:

1. A non-transitory computer-readable medium, comprising instructions, which when executed by a computer cause the computer to:
receive at a check deposit infrastructure a data transmission including at least a portion of a check image representing a check for deposit using the check deposit infrastructure;
identify edges of at least the portion of the check;
crop at least one feature within the portion of the check;
binarize the at least one feature to produce a binarized image;
apply a filter to the binarized image for readability, wherein the filter is based on detected lighting conditions;
analyze the portion of the check image to identify at least a first item of check information on a front or a back of the check image, a second item of check information on the front or back of the check image, and a check signature;
analyze the first item of check information and the second item of check information;
determine item correspondence between the first item of check information on the front or back of the check image and the second item of check information on the front or back of the check image;
compare the check signature to an account signature to determine signature correspondence between the check signature and the account signature; and
determine a check score based on the item correspondence and the signature correspondence.

2. The non-transitory computer-readable medium of claim 1 , the instructions further causing the computer to:
analyze the portion of the check image to identify a barcode;
analyze the barcode to determine barcode correspondence between the barcode and barcode information; and
determine the check score based the barcode correspondence.

3. The non-transitory computer-readable medium of claim 1 , the instructions further causing the computer to:
analyze the portion of the check to identify a drawer of the check;
receive behavioral data related to the drawer of the check;
analyze the behavioral data related to the drawer of the check to determine a drawer behavior risk; and
determine the check score based on the drawer behavior risk.

4. The non-transitory computer-readable medium of claim 1 , the instructions further causing the computer to:
analyze the data transmission identify a payee of the check;
receive behavioral data related to the payee of the check;
analyze the behavioral data related to the payee of the check to determine a payee behavior risk; and
determine the check score based on the payee behavior risk.

5. The non-transitory computer-readable medium of claim 1 , the instructions further causing the computer to:
analyze the portion of the check to identify an account associated with the check;
determine that check writing is disabled with respect to the account; and
reject the check for deposit based on check writing being disabled.

6. The non-transitory computer-readable medium of claim 1 , the instructions further causing the computer to:
determine an account associated with the check;
identify an owner of the account; and
transmit a notification to the owner of the account alerting the owner of the check for deposit, wherein the notification requests a response from the owner.

7. The non-transitory computer-readable medium of claim 6 , the instructions further causing the computer to:
receive the response from the owner, wherein the response is a negative response;
process a negative response to the notification; and
determine a check score based on the negative response, the check score is determinative to rejecting the check.

8. The non-transitory computer-readable medium of claim 1 , the instructions further causing the computer to reject the check for deposit if the check score violates a score threshold.

9. The non-transitory computer-readable medium of claim 1 , the instructions further causing the computer to hold at least a portion of funds associated with the check for deposit of the check score violates a score threshold.

10. A non-transitory computer-readable medium, comprising instructions, which when executed by a computer cause the computer to:
receive at a check deposit infrastructure a data transmission including at least a portion of a check image representing a check for deposit using the check deposit infrastructure;
identify edges of at least the portion of the check;
crop at least one feature within the portion of the check;
binarize the at least one feature to produce a binarized image;
apply a filter to the binarized image for readability, wherein the filter is based on detected lighting conditions;
analyze the portion of the check after image processing to identify an account associated with the check;
determine a check writing toggle that check writing is disabled with respect to the account; and
determine a check score based on the check writing toggle, the check score is determinative to reject the check.

11. The non-transitory computer-readable medium of claim 10 , the instructions further causing the computer to:
identify an owner of the account; and
transmit a notification to the owner of the account alerting the owner of the check for deposit.

12. A non-transitory computer-readable medium, comprising instructions, which when executed by a computer cause the computer to:
receive at a check deposit infrastructure a data transmission including at least a portion of a check image representing a check for deposit using the check deposit infrastructure;
identify edges of at least the portion of the check;
crop at least one feature within the portion of the check;
binarize the at least one feature to produce a binarized image;
apply a filter to the binarized image for readability, wherein the filter is based on detected lighting conditions;
analyze the data transmission;
identify a payee of the check based on analysis of the data transmission;
analyze the portion of the check after image processing to identify an account associated with a drawer of the check;
receive behavioral data related to the payee of the check and the drawer of the check;
analyze the behavioral data to determine a behavior risk; and
determine a check score based on the behavior risk.

13. The non-transitory computer-readable medium of claim 12 , the instructions further causing the computer to:
analyze the portion of the check image to identify at least a first item of check information;
analyze the first item of check information to determine item correspondence between the first item of check information and a second item of check information; and
determine a check score based on the item correspondence.

14. The non-transitory computer-readable medium of claim 12 , the instructions further causing the computer to:
analyze the portion of the check to identify an account associated with the check;
determine that check writing is disabled with respect to the account; and
reject the check for deposit based on check writing being disabled.

15. The non-transitory computer-readable medium of claim 1 ,
wherein analyzing the portion of the check to identify at least the first item of check information includes determining a check number from a corner of the check,
wherein analyzing the portion of the check to identify at least the second item of the check information includes determining a check number from an account number line of the check, and
wherein determining the item correspondence between the first item and the second item includes comparing the check number from a corner of the check to the check number from an account number line of the check.

Assignees

• Uipco Llc
• Usaa

Inventors

• Medina Iii Reynaldo
• Sridaran Nandhini
• Gutierrez Mario
• Wood Robert G
• Newman Adam
• Barfield William

Classifications

• G06V40/394

  Matching; Classification · CPC title

• G06Q20/042

  characterized in that the payment protocol involves at least one cheque · CPC title

• G06Q20/4016 Primary

  involving fraud or risk level assessment in transaction processing · CPC title

• G07D7/0043

  using barcodes · CPC title

• G06K7/1413

  1D bar codes · CPC title