Methods and systems for negotiable-instrument fraud prevention
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United States of America Patent
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Jul 4, 2006
Grant Date -
Aug 26, 2004
app pub date -
Feb 20, 2003
filing date -
Feb 20, 2003
priority date (Note) -
In Force
status (Latency Note)
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Abstract
An authentication value is provided in a magnetic-ink field of a negotiable instrument. The authentication value is derived from application of an encryption algorithm defined by a secure key. The authentication value may be used to authenticate the instrument through reapplication of the encryption algorithm and comparing the result with the authentication value. The instrument is authenticated if there is a match between the two.
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