Method for fraud detection using multiple scan technologies
a fraud detection and scan technology, applied in the field of fraud detection, can solve problems such as conflicting recognition results, pos devices cannot always detect fraud or resolve recognition conflicts, and micr module and ocr module recognition results to disagr
Inactive Publication Date: 2008-12-04
TOSHIBA GLOBAL COMMERCE SOLUTIONS HLDG
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AI Technical Summary
Benefits of technology
The present invention provides an apparatus, system, and method for detecting fraud at a retail POS device. The invention includes a logic unit with multiple modules that functionally execute the necessary steps to detect fraud. These modules include a MICR module, a first OCR module, a second OCR module, a voting module, and a results module. The invention uses optical and magnetic recognition algorithms to determine if a character is potentially fraudulent and communicates a fraud indicator to the display of a POS device. The technical effects of the invention include improved detection of fraud and improved fraud prevention at retail POS devices.
Problems solved by technology
Conflicting recognition results may be caused by fraud.
Unfortunately, the POS device cannot always detect fraud or resolve recognition conflicts with only the recognition results of the MICR module and the OCR module.
For example, fraudulent bank information on a check may include anomalies that cause the recognition results of the MICR module and the OCR module to disagree.
The POS device may be unable to resolve conflicting recognition results or detect fraud from the recognition result conflict using only the MICR and OCR modules because the POS device is limited to two sets of recognition results.
Method used
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[0035]Many of the functional units described in this specification have been labeled as modules, in order to more particularly emphasize their implementation independence. For example, a module may be implemented as a hardware circuit comprising custom very large scale integration (“VLSI”) circuits or gate arrays, off-the-shelf semiconductors such as logic chips, transistors, or other discrete components. A module may also be implemented in programmable hardware devices such as field programmable gate arrays, programmable array logic, programmable logic devices or the like.
[0036]Modules may also be implemented in software for execution by various types of processors. An identified module of executable code may, for instance, comprise one or more physical or logical blocks of computer instructions, which may, for instance, be organized as an object, procedure, or function. Nevertheless, the executables of an identified module need not be physically located together, but may comprise ...
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A method is disclosed for detecting fraud. The method optically recognizes a character imprinted with a magnetic ink on a medium using a first optical character recognition algorithm. The method also optically recognizes the character using a second optical character recognition algorithm. In addition, the method magnetically recognizes the character using a magnetic recognition algorithm. The method determines if the character is potentially fraudulent based on the recognition results of the scan using the first optical character recognition algorithm, the scan using the second optical character recognition algorithm, and the magnetic scan. If the character is potentially fraudulent, the method communicates a fraud indicator.
Description
CROSS-REFERENCES TO RELATED APPLICATIONS[0001]This application is a continuation of and claims priority to U.S. Provisional patent application Ser. No. 10 / 989,768 entitled “APPARATUS, SYSTEM, AND METHOD FOR FRAUD DETECTION USING MULTIPLE SCAN TECHNOLOGIES” and filed on Nov. 16, 2004 for Robert William Kruppa, which is incorporated herein by reference.BACKGROUND OF THE INVENTION[0002]1. Field of the Invention[0003]This invention relates to detecting fraud and more particularly relates to detecting fraud using multiple scan technologies.[0004]2. Description of the Related Art[0005]Retail point of sale (“POS”) devices are often configured to read the characters imprinted on a medium such as a paper check using magnetic ink. The characters typically include bank information such as bank routing numbers and the number of the bank account that the check is drawn upon. The POS device may recognize the characters and communicate the recognized bank information to another POS system such as ...
Claims
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IPC IPC(8): G06K9/00
CPCG06K9/186G06V30/2253
Inventor KRUPPA, ROBERT WILLIAMPRAKASH, RAVINDER
Owner TOSHIBA GLOBAL COMMERCE SOLUTIONS HLDG