Watermarking Technique for Tamper Detection of Cheque Image in CTS

Abstract

Digitalization of banking sector have brought all their operations online and even money transaction too. But still 70 ? 80 percent of transaction takes place through movement of physical cheque. So to overcome the drawbacks of traditional cheque clearing system, RBI proposed an idea of Cheque Truncation System. This system has faster clearing cycles and captures the image of the cheque and sends it to the drawee bank and prevents the movement of physical cheque between the banks. As CTS involves transmission of cheque images, the content of the cheque images can be modified or tampered to commit fraud. So there is a need to protect the cheque image. Thus this paper proposes a digital watermarking technique to detect the tampered regions in the cheque image.