Method and system for verifying check images

• US 20060112013A1
• Filed: 11/19/2004
• Published: 05/25/2006
• Est. Priority Date: 11/19/2004
• Status: Active Grant

• Current Assignee: Fidelity Information Services, LLC (Fidelity National Information Services Incorporated)
• Original Assignee: VECTORsgi, Inc. (Fidelity National Information Services Incorporated)
• Inventors: Maloney, Rian R.
• Granted Patent: US 7,890,426 B2
• Time in Patent Office: Days
• US Class Current: 705/45
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/042 characterized in that the payment protocol involves at least one cheque
• CPC Class Codes: G06Q 20/0425 the cheque being electronic only
• CPC Class Codes: G06Q 20/108 Remote banking, e.g. home banking
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/3827 Use of message hashing
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes

Abstract

In one embodiment, example software is operable to determine a first hash value for an electronic check image, with the check image operable to generate an image replacement document. The hash value is associated with the electronic check image. The electronic check image and the associated hash value is communicated to a recipient for processing.

Claims

1. A method for communicating electronic check images comprising:

determining a first hash value for an electronic check image, the check image operable to generate an image replacement document; and

associating the hash value with the electronic check image, the electronic check image and the associated hash value operable to be communicated to a recipient for processing.

2. The method of claim 1, the hash value comprising a sixteen byte number.

3. The method of claim 1, comprising:

adding the hash value to a magnetic ink character recognition (MICR) code, the MICR code associated with the electronic check image; and

communicating the MICR code to the recipient.

4. The method of claim 3, the recipient operable to associate the received MICR code and the received electronic check image using the hash value.

5. The method of claim 1, the recipient operable to verify the electronic check image based, at least in part, on the hash value associated with the electronic check image.

6. The method of claim 5, the hash value comprising a first hash value and wherein the recipient operable to verify the electronic check image comprises:

determining a second hash value for the received electronic check image; and

comparing the first hash value and the second hash value to verify authenticity of the electronic check image.

7. Software for communicating electronic check images operable to:

determine a first hash value for an electronic check image, the check image operable to generate an image replacement document; and

associate the hash value with the electronic check image, the electronic check image and the associated hash value operable to be communicated to a recipient for processing.

8. The software of claim 7, the hash value comprising a sixteen byte number.

9. The software of claim 7, operable to:

add the hash value to a magnetic ink character recognition (MICR) code, the MICR code extracted from the electronic check image; and

communicate the MICR code to the recipient.

10. The software of claim 9, the recipient operable to associate the received MICR code and the received image replacement document using the hash value.

11. The software of claim 7, the recipient operable to verify the electronic check image based, at least in part, on the hash value associated with the electronic check image.

12. The software of claim 11, the hash value comprising a first hash value and wherein the recipient operable to verify the electronic check image comprises software operable to:

determine a second hash value for the received electronic check image; and

compare the first hash value and the second hash value to verify authenticity of the electronic check image.

13. The software of claim 7, wherein the software operable to determine the first hash value for the electronic check image comprises software operable to determine the first hash value for the electronic check image at a capture source, the capture source generating the electronic check image.

14. An image capture system for communicating electronic check images comprising:

memory operable to store a plurality of electronic check images, each check image operable to generate an image replacement document; and

one or more processors operable to;

determine a first hash value for at least one of the electronic check images; and

associate the hash value with the electronic check image, the electronic check image and the associated hash value operable to be communicated to a recipient for processing.

15. The image capture system of claim 14, the hash value comprising a sixteen byte number.

16. The image capture system of claim 14, the one or more processors further operable to:

add the hash value to a magnetic ink character recognition (MICR) code, the MICR code extracted from the electronic check image; and

communicate the MICR code to the recipient.

17. The image capture system of claim 16, the recipient operable to associate the received MICR code and the received electronic check image using the hash value.

18. The image capture system of claim 14, the recipient operable to verify the electronic check image based, at least in part, on the hash value associated with the electronic check image.

19. The image capture system of claim 18, the hash value comprising a first hash value and wherein the recipient operable to verify the electronic check image comprises the recipient operable to:

determine a second hash value for the received electronic check image; and

compare the first hash value and the second hash value to verify authenticity of the electronic check image.

20. A system for communicating secure electronic check images comprising:

means for determining a first hash value for an electronic check image, the check image operable to generate an image replacement document; and

means for associating the hash value with the electronic check image, the electronic check image and the associated hash value operable to be communicated to a recipient for processing.

21. A method for processing a check using an electronic check image comprising:

receiving an electronic check image, the check image operable to generate an image replacement document;

receiving a hash value for the electronic check image; and

verifying the electronic check image using the hash value.

22. The method of claim 21 further comprising generating the image replacement document based, at least in part, on the verified electronic check image.