A genuine signer's signature is naturally unstable even at short time-intervals whereas, expert forgers always try to perfectly mimic a genuine signer's signature. This presents a challenge which puts a genuine signer at risk of being denied access, while a forge signer is granted access. The implication is a high false acceptance rate (FAR) which is the percentage of forge signature classified as belonging to a genuine class. Existing work have only scratched the surface of signature verification because the misclassification error remains high. In this paper, a consensus-threshold distance-based classifier criterion is proposed for offline writer-dependent signature verification. Using features extracted from SigNet and SigNet-F deep convolutional neural network models, the proposed classifier minimizes FAR. This is demonstrated via experiments on four datasets: GPDS-300, MCYT, CEDAR and Brazilian PUC-PR datasets. On GPDS-300, the consensus threshold classifier improves the state-of-the-art performance by achieving a 1.27% FAR compared to 8.73% and 17.31% recorded in literature. This performance is consistent across other datasets and guarantees that the risk of imposters gaining access to sensitive documents or transactions is minimal.

Signature verification has been one of the major researched areas in the field of computer vision. Many financial and legal organizations use signature verification as access control and authentication. Signature images are not rich in texture; however, they have much vital geometrical information. Through this work, we have proposed a signature verification methodology that is simple yet effective. The technique presented in this paper harnesses the geometrical features of a signature image like center, isolated points, connected components, etc., and with the power of Artificial Neural Network (ANN) classifier, classifies the signature image based on their geometrical features. Publicly available dataset MCYT, BHSig260 (contains the image of two regional languages Bengali and Hindi) has been used in this paper to test the effectiveness of the proposed method. We have received a lower Equal Error Rate (EER) on MCYT 100 dataset and higher accuracy on the BHSig260 dataset.

Offline Signature Verification (OSV) is a challenging pattern recognition task, especially in presence of skilled forgeries that are not available during training. This study aims to tackle its challenges and meet the substantial need for generalization for OSV by examining different loss functions for Convolutional Neural Network (CNN). We adopt our new approach to OSV by asking two questions: 1. which classification loss provides more generalization for feature learning in OSV? , and 2. How integration of different losses into a unified multi-loss function lead to an improved learning framework? These questions are studied based on analysis of three loss functions, including cross entropy, Cauchy-Schwarz divergence, and hinge loss. According to complementary features of these losses, we combine them into a dynamic multi-loss function and propose a novel ensemble framework for simultaneous use of them in CNN. Our proposed Multi-Loss Snapshot Ensemble (MLSE) consists of several sequential trials. In each trial, a dominant loss function is selected from the multi-loss set, and the remaining losses act as a regularizer. Different trials learn diverse representations for each input based on signature identification task. This multi-representation set is then employed for the verification task. An ensemble of SVMs is trained on these representations, and their decisions are finally combined according to the selection of most generalizable SVM for each user. We conducted two sets of experiments based on two different protocols of OSV, i.e., writer-dependent and writer-independent on three signature datasets: GPDS-Synthetic, MCYT, and UT-SIG. Based on the writer-dependent OSV protocol, we achieved substantial improvements over the best EERs in the literature. The results of the second set of experiments also confirmed the robustness to the arrival of new users enrolled in the OSV system.

Offline Signature Verification (OSV) is a challenging pattern recognition task, especially when it is expected to generalize well on the skilled forgeries that are not available during the training. Its challenges also include small training sample and large intra-class variations. Considering the limitations, we suggest a novel transfer learning approach from Persian handwriting domain to multi-language OSV domain. We train two Residual CNNs on the source domain separately based on two different tasks of word classification and writer identification. Since identifying a person signature resembles identifying ones handwriting, it seems perfectly convenient to use handwriting for the feature learning phase. The learned representation on the more varied and plentiful handwriting dataset can compensate for the lack of training data in the original task, i.e. OSV, without sacrificing the generalizability. Our proposed OSV system includes two steps: learning representation and verification of the input signature. For the first step, the signature images are fed into the trained Residual CNNs. The output representations are then used to train SVMs for the verification. We test our OSV system on three different signature datasets, including MCYT (a Spanish signature dataset), UTSig (a Persian one) and GPDS-Synthetic (an artificial dataset). On UT-SIG, we achieved 9.80% Equal Error Rate (EER) which showed substantial improvement over the best EER in the literature, 17.45%. Our proposed method surpassed state-of-the-arts by 6% on GPDS-Synthetic, achieving 6.81%. On MCYT, EER of 3.98% was obtained which is comparable to the best previously reported results.

Offline Signature Verification (OSV) remains a challenging pattern recognition task, especially in the presence of skilled forgeries that are not available during the training. This challenge is aggravated when there are small labeled training data available but with large intra-personal variations. In this study, we address this issue by employing an active learning approach, which selects the most informative instances to label and therefore reduces the human labeling effort significantly. Our proposed OSV includes three steps: feature learning, active learning, and final verification. We benefit from transfer learning using a pre-trained CNN for feature learning. We also propose SVM-based active learning for each user to separate his genuine signatures from the random forgeries. We finally used the SVMs to verify the authenticity of the questioned signature. We examined our proposed active transfer learning method on UTSig: A Persian offline signature dataset. We achieved near 13% improvement compared to the random selection of instances. Our results also showed 1% improvement over the state-of-the-art method in which a fully supervised setting with five more labeled instances per user was used.

The area of Handwritten Signature Verification has been broadly researched in the last decades, but remains an open research problem. In offline (static) signature verification, the dynamic information of the signature writing process is lost, and it is difficult to design good feature extractors that can distinguish genuine signatures and skilled forgeries. This verification task is even harder in writer independent scenarios which is undeniably fiscal for realistic cases. In this paper, we have proposed an Ensemble model for offline writer, independent signature verification task with Deep learning. We have used two CNNs for feature extraction, after that RGBT for classification & Stacking to generate final prediction vector. We have done extensive experiments on various datasets from various sources to maintain a variance in the dataset. We have achieved the state of the art performance on various datasets.

Research on Offline Handwritten Signature Verification explored a large variety of handcrafted feature extractors, ranging from graphology, texture descriptors to interest points. In spite of advancements in the last decades, performance of such systems is still far from optimal when we test the systems against skilled forgeries - signature forgeries that target a particular individual. In previous research, we proposed a formulation of the problem to learn features from data (signature images) in a Writer-Independent format, using Deep Convolutional Neural Networks (CNNs), seeking to improve performance on the task. In this research, we push further the performance of such method, exploring a range of architectures, and obtaining a large improvement in state-of-the-art performance on the GPDS dataset, the largest publicly available dataset on the task. In the GPDS-160 dataset, we obtained an Equal Error Rate of 2.74%, compared to 6.97% in the best result published in literature (that used a combination of multiple classifiers). We also present a visual analysis of the feature space learned by the model, and an analysis of the errors made by the classifier. Our analysis shows that the model is very effective in separating signatures that have a different global appearance, while being particularly vulnerable to forgeries that very closely resemble genuine signatures, even if their line quality is bad, which is the case of slowly-traced forgeries.

Automatic Offline Handwritten Signature Verification has been researched over the last few decades from several perspectives, using insights from graphology, computer vision, signal processing, among others. In spite of the advancements on the field, building classifiers that can separate between genuine signatures and skilled forgeries (forgeries made targeting a particular signature) is still hard. We propose approaching the problem from a feature learning perspective. Our hypothesis is that, in the absence of a good model of the data generation process, it is better to learn the features from data, instead of using hand-crafted features that have no resemblance to the signature generation process. To this end, we use Deep Convolutional Neural Networks to learn features in a writer-independent format, and use this model to obtain a feature representation on another set of users, where we train writer-dependent classifiers. We tested our method in two datasets: GPDS-960 and Brazilian PUC-PR. Our experimental results show that the features learned in a subset of the users are discriminative for the other users, including across different datasets, reaching close to the state-of-the-art in the GPDS dataset, and improving the state-of-the-art in the Brazilian PUC-PR dataset.