Method for applying a signature simplicity analysis for improving the accuracy of signature validation

1. A method for applying a signature simplicity analysis for improving the accuracy of signature validation, comprising the steps of:

using a computer system to generate a plurality of synthetic fraudulent signatures for a person;

encoding authentic signatures of the person using signature simplicity; and

validating the signatures using signature simplicity;

wherein the step of encoding authentic signatures using signature simplicity comprises the steps of:

inputting a set of authentic signatures of the person;

inputting a name of the person;

creating an initial signature code for the person;

validating the set of synthetic fraudulent signatures;

using a set of simulation parameters as seeds to produce an updated set of synthetic fraudulent signatures;

validating the updated set of synthetic fraudulent signatures against the initial signature code; and

producing an adjusted signature code.

2. The method of claim 1 , wherein the step of inputting a set of authentic signatures involves the use of signatures located on checks or signature snippets.

3. The method of claim 1 , wherein the name of the person is inputted in a form of First M. Last.

4. The method of claim 1 , wherein the step of creating the initial signature code involves the use of signature encoding software for creating a unique signature code comprising a string of data representing integral characteristics of the person's signatures and a person-specific confidence threshold.

5. The method of claim 1 , wherein the step of validating the set of synthetic fraudulent signatures comprises validating the signatures against the initial signature code to form a set of simulation parameters that yield the highest confidence at a selected threshold value.

6. The method of claim 1 , wherein the step of validating the updated set of synthetic fraudulent signatures against the initial signature code involves the use of signature validation software to compute how many synthetic fraudulent signatures yield high confidence at a selected threshold value.

7. The method of claim 1 , wherein the step of validating the synthetic fraudulent signatures using signature simplicity comprises the steps of:

inputting an adjusted signature code for the person;

inputting an authentic signature to validate the adjusted signature code;

extracting a simplicity score of the signature from the adjusted signature code;

extracting an initial signature code of the person from the adjusted signature code; and

validating the input signature against the initial signature code.

8. The method of claim 7 , wherein the step of validating the input signature against the initial signature code is performed using signature validation software for scanning and validating the input signature against information stored in the initial signature code, and outputting an initial confidence score.

9. The method of claim 8 , further comprising the step of adjusting the initial confidence score taking into account the simplicity score to produce an output in the form of an adjusted signature confidence score.