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Method and System for Handwrite Signature pre-audit in payment System

IP.com Disclosure Number: IPCOM000237006D
Publication Date: 2014-May-27
Document File: 7 page(s) / 109K

Publishing Venue

The IP.com Prior Art Database

Abstract

Along with the new approach of payment moved into mobile domain. Some new method and system should be invoked to security the whole process. The documents include method and system to overcome or improve the disadvantage of audit process for handwritten signature. In this way, some useful operation could be done by system automatically. Build a method and system for signature pre-audit in payment system will include : Build method for handwrite signature analyze to generate the identified information(E.g Context, pressure trace..); Build method for signature Character compare.

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Page 01 of 7

Method and System for Handwrite Signature pre

Method and System for Handwrite Signature pre-

--audit in payment System

audit in payment System

Currently, the mobile payment is becoming more and more popular. In the previous design of such system, the last step of user is to sign the transaction by handwrite signature in the printed bill paper. And the user's signature will be audit by merchant firstly in comparing the signature in bill and credit card. But some new scenarios in mobile payment only need user to sign such bill by using app in their mobile. In this case, the merchant will not know the signature in neither bill nor credit card(virtual card), so the first pre-audit signature could not be done by merchant.


1. Although the merchant could be able to check whether the characters of signature in the bill is the same as characters stored in the back system. E.g. Context: Customer sign "John" which is not the same as "Jack" of credit card; Or although the context as the same as "Jack", using the different personal handwrite habits (Writing pressure of the signature), some sometime, the merchant will not check the signature in the bill;


2. Since the new technology developing, the virtual credit card is coming, but printed bill need customer's signature still exist in some scenarios. And now the merchant is not able to know the customer's signature, so the pre-audit could not be able done by merchant.


3. The new scenarios using virtual credit card and bill is becoming more and more popular. The customer could sign the bill in their mobile's app, the first pre-audit work of signature is not appropriate for merchant.

The proposed system and method can overcome or improve such the disadvantage. In this way, some useful operation could be done by system automatically.

Build a method and system for signature pre-audit in payment system.

1. Build method for handwrite signature analyze to generate the identified information(E.g Context, pressure trace..);


2. Build method for signature Character compare;

1


Page 02 of 7

Benefit:

1. Help the customer to protect their handwrite signature during the payment.

2. Help the merchant to pre-audit the handwrite signature.

3. Help the bank to get more clear handwrite .

Whole method and system is consist of following component:

1. The handwrite signature analyzing component is used to analyze and generate the character of handwrite signature(E.g. context);

2. The signature pre-audit component is used for handwrite signature character pre-audit;

3. The signature character table component which is used to storage the possible character of customers' handwrite signature.

And the following is the detail design based on one of the characters :the context pre-audit. E.g. Customer signature context table structure:

Customer ID : XXXXXXXXX

Recognition

Frequency

TimeStamp

Possibility

Jone

4

5/1/2013

100%

Johe

4

5/1/2013

80%

Jono

3

5/2/2013

60%

Jack

3

5/3/2013

40%

i....