Patent Document ID: 7584128
Application ID: 11207464

Base Claim:
1. A computer-implemented method of validating a first negotiable document drawn on an account, comprising: extracting a set of characteristics from a plurality of negotiable documents that are known to be valid for the account; storing a representation of a first subset of the set of characteristics from the plurality of negotiable documents in a public document validation profile associated with the account, wherein the public document validation profile is shared by the financial institution holding the account and at least one other financial institution; generating an image of the first negotiable document using an imaging device; extracting a plurality of characteristics from the image; comparing, using a check validation computer system, the characteristics extracted from the image with at least the representation of the first subset of the set of characteristics to produce a comparison result; if said comparison result is negative, comparing the plurality of characteristics extracted from the image with a private document validation profile associated with the account; and affirming or negating the first negotiable document's validity based on the comparison result.

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Claim 5:
5. The computer-implemented method of claim 1 , wherein the set of characteristics include one or more characteristics associated with one or more foreground information fields on the negotiable documents; wherein the one or more characteristics include: a size of the information field, a shape of the information field, an absolute location of the information field, a location of the information field relative to other information fields, and content of the information; and wherein the foreground information fields include: one or more fields identifying a payer, one or more fields identifying a financial institution holding the account, a magnetic ink character recognition field, a document number field, one or more fields identifying a payee, a legal amount field, a courtesy amount field, a date field, a signature field and a memo field.