2D Barcode Check Fraud Prevention via Positional Data
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Solution Overview
Problem
Electronic image processing of checks is hindered by non-conforming image percentages due to geometric distortions, enlargement, reduction, rotation, and color distortions in remotely captured images, making accurate processing difficult.
Innovation Solution
Incorporating a 2D barcode on checks that embeds positional information of check features, allowing for decoding and application of rotational and scaling adjustments to produce a more accurate digital representation, which can then be electronically processed.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Speed
If checks are remotely captured by users, then convenience and speed are improved, but geometric distortions, enlargement, reduction, rotation, and color distortions occur making accurate processing difficult
Solution Approach 1:
A 2D barcode is introduced as an intermediary element on the check that encodes reference information about the check's features and parameters. This barcode serves as a mediator between the physical check and the digital processing system, providing reference data that enables correction of geometric and color distortions without requiring complex processing infrastructure.
Solution Approach 2:
The system captures multiple parameters including geometric transformations (rotation angles, scaling factors, translation offsets) and color calibration data from the 2D barcode. These parameters are used to transform and correct the captured image, converting distorted parameters into accurate representations for processing.
2Reliability
If 2D barcode with positional information is added to checks, then image accuracy and processing reliability are improved, but device complexity increases
Solution Approach 1:
The 2D barcode serves multiple functions simultaneously: it provides positional information for geometric correction, encodes color calibration data, contains check parameter information, and acts as a reference for feature identification. This multi-functionality reduces the need for separate reference elements while improving processing reliability.
3Manufacturing precision
If rotational and scaling adjustments are applied based on 2D barcode information, then image distortion is reduced, but processing time increases
Solution Approach 1:
The 2D barcode is printed on the check in advance with pre-calculated transformation parameters and reference information. This preliminary encoding of correction data eliminates the need for complex real-time calculations during processing, as the system can directly apply the stored parameters to correct distortions efficiently.
Data Source
AI summary
Systems and methods for processing checks using 2D barcodes are provided. A user submits a digital image of a check that includes a 2D barcode. The 2D barcode has embedded positional information of one or more check features which can be decoded. The 2D barcode can include one or more check parameters. These check parameters can be decoded and used for processing, verification, and/or fraud prevention. Examples of check parameters can include an account indicator if the check is drawn from a business account or a personal account, a maximum amount allowed on the check, account information, a government identifier, or an electronic watermark. The user can submit the digital image of the check to a check processing system.