Process and system for the material reduction of counterfeit and identity-maker fraud
A method, system and product for the material reduction of counterfeit and identity/maker fraud as it relates to payment vehicles and other authentication-requiring documents. The authentication system allows an institution to apply a code comprising relevant elements of an end-user to an authentication-requiring document. The authentication system allows institutions to validate the authentication-requiring documents at the point of presentment. The authentication system is stand alone and self-authenticating, allowing institutions to include the method, system and product anywhere in the institutions' document verification or manufacturing process.
1 . A method of authenticating a document requiring authentication, said method comprising the steps of:
scanning said document;
detecting relevant elements on said document;
detecting validation symbols on said document;
extracting encrypted secure identity code stored in the validation symbols;
extracting characteristic components from the encrypted secure identity code stored in the validation symbols, wherein said characteristic components cannot be re-created into human readable data forms corresponding to the relevant elements on said document;
translating the relevant elements on said document into data forms that correspond with the characteristic components stored in the validation symbols on said document; and
determining whether the translated relevant elements on said document correspond with the characteristic components stored in the validation symbols on said document.
2 . The method of claim 1 further comprising the step of outputting a rating identifying the results of said determining step.
3 . The method of claim 2 , wherein said outputting step comprises displaying a predefined word used to identify a valid match.
4 . The method of claim 2 , wherein said outputting step comprises displaying a predefined output used to identify a valid match.
5 . The method of claim 4 , wherein said predefined output is a color.
6 . The method of claim 2 , wherein said outputting step comprises displaying a predefined symbol used to identify a valid match.
7 . The method of claim 2 , wherein said outputting step comprises displaying a predefined word used to identify an invalid match.
8 . The method of claim 2 , wherein said outputting step comprises displaying a predefined color used to identify an invalid match.
9 . The method of claim 2 , wherein said outputting step comprises displaying a predefined symbol used to identify an invalid match.
10 . The method of claim 2 , wherein said outputting step comprises displaying a predefined word used to identify an undetermined match.
11 . The method of claim 2 , wherein said outputting step comprises displaying a predefined color used to identify an undetermined match.
12 . The method of claim 2 , wherein said outputting step comprises displaying a predefined symbol used to identify an undetermined match.
13 . A method of creating an authentication-requiring document, said method comprising the steps of:
collecting relevant elements from data associated with an end-user;
analyzing the collected relevant elements;
translating the relevant elements to characteristic components;
compressing the characteristic components;
encoding the compressed characteristic components into a secure identity code of approximately 100 bytes in size per end-user;
securely delivering the secure identity code to a machine readable system; and
printing an encoded version of the secure identity code on the authentication-requiring document.
14 . The method of claim 13 further comprising the step of updating stored secure identity code with changes to the relevant elements of the end-user.
15 . The method of claim 13 , wherein said characteristic components cannot be re-created into a human readable data form corresponding to the relevant elements.
16 . A method of creating and maintaining validation symbol, said method comprising the steps of:
obtaining a secure identity code;
encrypting the secure identity code; and
converting the encrypted secure identity code to validation symbols to be placed on an authentication-requiring document.
17 . The method of claim 16 further comprising the step of securely delivering the validation symbol for integration with an authentication-requiring document.
18 . The method of claim 16 , wherein the validation symbol is stored in a computer-readable storage medium.
19 . The method of claim 18 , wherein the validation symbol is associated with said end-user in a computer-readable storage medium.
20 . The method of claim 18 further comprising the step of updating said stored validation symbol with changes to the secure identity code associated with the end-user.
21 . The method of claim 16 , wherein said method further comprises integrating the validation symbol with an authentication-requiring document, wherein said validation symbol comprises approximately 100 bytes of information per end-user.
22 . A computer readable storage medium containing a computer readable code for operating a computer to perform a method of authenticating a document with a validation symbol, said method comprising the steps of:
scanning said document;
detecting relevant elements on said document;
detecting validation symbols on said document;
extracting encrypted secure identity code stored in the validation symbols;
extracting characteristic components from the encrypted secure identity code stored in the validation symbols, wherein said characteristic components cannot be re-created into human readable data forms corresponding to the relevant elements on said document;
translating the relevant elements on said document into data forms that correspond with the characteristic components stored in the validation symbols on said document; and
determining whether the translated relevant elements on said document correspond with the characteristic components stored in the validation symbols on said document.
23 . The method of claim 22 wherein said method further comprises the act of outputting a confidence rating identifying the results of said determining means.
24 . The method of claim 23 , wherein said outputting step comprises displaying a predefined word used to identify a valid match.
25 . The method of claim 23 , wherein said outputting step comprises displaying a predefined color used to identify a valid match.
26 . The method of claim 23 , wherein said outputting step comprises displaying a predefined symbol used to identify a valid match.
27 . The method of claim 23 , wherein said outputting step comprises displaying a predefined word used to identify an invalid match.
28 . The method of claim 23 , wherein said outputting step comprises displaying a predefined color used to identify an invalid match.
29 . The method of claim 23 , wherein said outputting step comprises displaying a predefined symbol used to identify an invalid match.
30 . The method of claim 23 , wherein said outputting step comprises displaying a predefined word used to identify an undetermined match.
31 . The method of claim 23 , wherein said outputting step comprises displaying a predefined color used to identify an undetermined match.
32 . The method of claim 23 , wherein said outputting step comprises displaying a predefined symbol used to identify an undetermined match.
33 . A system comprising a stand alone authentication-requiring document computer program, said program causing the system to perform the steps of:
collecting relevant elements from data associated with the end-user;
analyzing the collected relevant elements;
translating the relevant elements to characteristic components;
compressing the characteristic components;
encoding the compressed characteristic components into a secure identity code of approximately 100 bytes in size per end-user;
securely delivering the secure identity code to a machine readable system; and
printing an encoded version of the secure identity code on the authentication-requiring document.
34 . The system of claim 33 wherein said characteristic components cannot be recreated into a human readable data form corresponding to the relevant elements.
35 . The system of claim 33 wherein said system further comprises means for updating stored secure identity code with changes to the relevant elements of the end-user.
36 . A system for generating a validation symbol comprising of a stand alone capture translating computer program, said program causing the system to perform the steps of:
obtaining a secure identity code;
encrypting the secure identity code; and
converting the encrypted secure identity code to validation symbol to be placed on authentication-requiring document.
37 . The system of claim 36 further comprises means for securely delivering the validation symbol for integration with an authentication-requiring document.
38 . The system of claim 36 , wherein the validation symbol is stored in a computer readable storage medium.
39 . The system of claim 38 , wherein said validation symbol is associated with said end-user in a computer readable storage medium.
40 . The system of claim 38 further comprises means for updating said stored validation symbol associated with the end-user with changes to the secure identity code associated with the end-user.
41 . The system of claim 36 , wherein said system further comprises means for integrating validation symbol with an authentication-requiring document, wherein said validation symbol comprises approximately 100 bytes of information per end-user.
42 . A method of authenticating an authentication-requiring document, said method comprising the steps of:
capturing information that will assist in authenticating the authentication-requiring document, said information including but not limited to reference data defining signatures, document details and account information;
converting the captured information into a symbol, wherein said symbol cannot be re-created into human readable form;
applying the symbol on the authentication-requiring document;
scanning the authentication-requiring document;
reading the symbol on the authentication-requiring document;
reading aspects of the authentication-requiring document appropriate for comparison with the symbol read; and
applying an automated evaluative process that will output a confidence level regarding the authenticity of the authentication-requiring document.
43 . A check comprising:
a substrate; and
a validation symbol used for authentication of said check located on the substrate, said validation symbol being produced by:
collecting relevant elements from data associated with an end-user;
analyzing the collected relevant elements;
translating the relevant elements to characteristic components;
compressing the characteristic components;
encoding the compressed characteristic components into a secure identity code of approximately 100 bytes in size per end-user;
securely delivering the secure identity code to a machine readable system; and
printing an encoded version of the secure identity code on the substrate.