Systems and Methods for Preventing Check Fraud
Summary
USPTO published patent application US20260099843A1 titled 'Systems and Methods for Preventing Check Fraud' on April 9, 2026. The application discloses a method for preventing check fraud using unique identifier validation, where a computer program receives a check image, validates the unique identifier against a database, and accepts the check for payment if valid. The patent application covers image processing, database validation, and fraud prevention systems for financial transactions.
What changed
USPTO published patent application US20260099843A1 on April 9, 2026, disclosing systems and methods for preventing check fraud through unique identifier validation. The application claims a method involving receiving a check image containing a unique identifier, validating that identifier against a database of valid identifiers, and accepting the check for payment only if validated.
Financial institutions offering check deposit services and technology companies developing fraud prevention systems should monitor the progression of this application through the examination process. Parties developing competing or complementary check fraud prevention technologies may wish to conduct freedom-to-operate analyses or explore licensing opportunities once the patent is granted.
What to do next
- Monitor for updates on patent application status
- Evaluate potential licensing needs if developing similar check fraud prevention systems
Archived snapshot
Apr 11, 2026GovPing captured this document from the original source. If the source has since changed or been removed, this is the text as it existed at that time.
SYSTEMS AND METHODS FOR PREVENTING CHECK FRAUD
Application US20260099843A1 Kind: A1 Apr 09, 2026
Inventors
Balaguru NAGARAJAN, Kumar Rao KRISHNAGI, Sivakumar NAGARAJAN, Vijay Kumar PERLA, Anilkumar REDDY, Kayla MALONE, Ramesh R DANDELA
Abstract
Systems and methods for preventing check fraud are disclosed. In one embodiment, a method may include: (1) receiving, by a computer program, an image of a check presented for deposit comprising a unique identifier that is provided on the check, wherein the unique identifier uniquely identifies the check; (2) validating, by the computer program, the unique identifier by accessing a unique identifier database comprising a plurality of valid unique identifiers; and (3) accepting, by the computer program, the image of the check for payment in response to the unique identifier being valid.
CPC Classifications
G06Q 20/4016 G06Q 20/042 G06V 30/10 G06V 40/33
Filing Date
2024-10-04
Application No.
18907132
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