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WO2014078696A3 - Countering fraud in remote check deposit - Google Patents

Countering fraud in remote check deposit Download PDF

Info

Publication number
WO2014078696A3
WO2014078696A3 PCT/US2013/070369 US2013070369W WO2014078696A3 WO 2014078696 A3 WO2014078696 A3 WO 2014078696A3 US 2013070369 W US2013070369 W US 2013070369W WO 2014078696 A3 WO2014078696 A3 WO 2014078696A3
Authority
WO
WIPO (PCT)
Prior art keywords
consistency verification
check image
scanned
verification
check deposit
Prior art date
Application number
PCT/US2013/070369
Other languages
French (fr)
Other versions
WO2014078696A2 (en
Inventor
Venkat VENKATAKRISHNAN
Rashid Ansari
Rigel GJOMEMO
Hafiz MALIK
Nilesh SUMB
Original Assignee
The Board Of Trustees Of The University Of Illinois
University Of Michigan
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by The Board Of Trustees Of The University Of Illinois, University Of Michigan filed Critical The Board Of Trustees Of The University Of Illinois
Publication of WO2014078696A2 publication Critical patent/WO2014078696A2/en
Publication of WO2014078696A3 publication Critical patent/WO2014078696A3/en

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G06Q20/042—Payment circuits characterized in that the payment protocol involves at least one cheque

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Engineering & Computer Science (AREA)
  • Theoretical Computer Science (AREA)
  • Editing Of Facsimile Originals (AREA)
  • Image Processing (AREA)

Abstract

Embodiments reduce the likelihood that an individual can successfully submit an altered scanned check image for payment to a bank, thus improving the security of mobile and remote banking. Some embodiments focus on reducing the ability to successfully doctor a scanned check image. Other embodiments focus on detecting a doctored scanned check image. Technologies employed in embodiments can include watermarking, encryption, transformation of scanned images, post processing consistency verification, spatial-domain consistency verification, transform-domain consistency verification, camera lens consistency verification, and camera signature verification.
PCT/US2013/070369 2012-11-16 2013-11-15 Countering fraud in remote check deposit WO2014078696A2 (en)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US201261727558P 2012-11-16 2012-11-16
US61/727,558 2012-11-16

Publications (2)

Publication Number Publication Date
WO2014078696A2 WO2014078696A2 (en) 2014-05-22
WO2014078696A3 true WO2014078696A3 (en) 2014-08-28

Family

ID=50731832

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2013/070369 WO2014078696A2 (en) 2012-11-16 2013-11-15 Countering fraud in remote check deposit

Country Status (1)

Country Link
WO (1) WO2014078696A2 (en)

Families Citing this family (8)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US10586238B2 (en) 2016-06-22 2020-03-10 Microsoft Technology Licensing, Llc Automation of image validation
US11095722B2 (en) * 2019-08-06 2021-08-17 Bank Of America Corporation Adaptive cross-channel tracking of electronic records signature modifications
US11551519B2 (en) * 2020-02-05 2023-01-10 Igt Mobile device facilitated redemption of gaming establishment ticket vouchers
KR20220005930A (en) 2020-07-07 2022-01-14 삼성에스디에스 주식회사 Method and apparatus for preventing forgery of data, method and apparatus for detecting forgery of data
US20220374641A1 (en) * 2021-05-21 2022-11-24 Ford Global Technologies, Llc Camera tampering detection
US11967184B2 (en) 2021-05-21 2024-04-23 Ford Global Technologies, Llc Counterfeit image detection
US12159325B2 (en) 2021-12-28 2024-12-03 Igt Anonymous procurement of ticket vouchers
US11900766B2 (en) 2022-03-01 2024-02-13 Igt Selective redemption of gaming establishment ticket vouchers

Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2003019449A2 (en) * 2001-08-31 2003-03-06 Digimarc Corporation Digitally watermarking checks and other value documents
US20050129270A1 (en) * 2000-08-30 2005-06-16 Ravi Prakash Method and system for applying a watermark
US20060202012A1 (en) * 2004-11-12 2006-09-14 David Grano Secure data processing system, such as a system for detecting fraud and expediting note processing
US20100073128A1 (en) * 2006-09-19 2010-03-25 Verichk Global Technology Inc. Apparatus and method for secure detection of an item and a method of securing access to information associated with the item
US8290237B1 (en) * 2007-10-31 2012-10-16 United Services Automobile Association (Usaa) Systems and methods to use a digital camera to remotely deposit a negotiable instrument

Patent Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20050129270A1 (en) * 2000-08-30 2005-06-16 Ravi Prakash Method and system for applying a watermark
WO2003019449A2 (en) * 2001-08-31 2003-03-06 Digimarc Corporation Digitally watermarking checks and other value documents
US20060202012A1 (en) * 2004-11-12 2006-09-14 David Grano Secure data processing system, such as a system for detecting fraud and expediting note processing
US20100073128A1 (en) * 2006-09-19 2010-03-25 Verichk Global Technology Inc. Apparatus and method for secure detection of an item and a method of securing access to information associated with the item
US8290237B1 (en) * 2007-10-31 2012-10-16 United Services Automobile Association (Usaa) Systems and methods to use a digital camera to remotely deposit a negotiable instrument

Non-Patent Citations (1)

* Cited by examiner, † Cited by third party
Title
PEVNY ET AL.: "Estimation of Primary Quantization Matrix for Steganalysis of Double-Compressed JPEG Images.", PROC. SPIE 6819, SECURITY, FORENSICS, STEGANOGRAPHY, AND WATERMARKING OF MULTIMEDIA CONTENTS., 2008, Retrieved from the Internet <URL:http://proceedings.spiedigitallibrary.org/proceeding.aspx?articleid=1325985> [retrieved on 20140523] *

Also Published As

Publication number Publication date
WO2014078696A2 (en) 2014-05-22

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