Hidden Signature for DTW Signature Verification in Authorizing Payment Transactions

Abstract

Traditional use of dynamic time warping for signature verification consists of forming some dissimilarity measure between the signature in question and a set of “template signatures”. In this paper, we propose to replace this set with the hidden signature and use it to calculate the normalized errors of signature under verification. The approach was tested on the MCYT database, using both genuine signatures and skilled forgeries. Moreover, we present the real-world application of the proposed algorithm, namely the complete biometric system for authorizing payment transactions. The authorization is performed directly at a point of sale by the automatic signature verification system based on the hidden signature.