Method of creating a substitute check using check image data from a remote check image capture device and an apparatus therefor

• US 20070076940A1
• Filed: 10/05/2005
• Published: 04/05/2007
• Est. Priority Date: 10/05/2005
• Status: Active Grant

• Current Assignee: NCR Voyix Corporation
• Original Assignee: NCR Corporation (NCR Voyix Corporation)
• Inventors: Goodall, Ian, Updike, Malon
• Granted Patent: US 7,391,934 B2
• Time in Patent Office: Days
• US Class Current: 382/137
• 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 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: G06V 10/987 with the intervention of an operator
• CPC Class Codes: G07F 19/20 Automatic teller machines [ATMs]
• CPC Class Codes: G07F 19/201 Accessories of ATMs

Abstract

A method is provided of an institution creating a substitute check using check image data from a remote check image capture device. The method comprises receiving from the remote check image capture device binary image data which is representative of a binary image of a check, receiving from the remote check image capture device grayscale image data which is representative of a grayscale image of the check, determining if the binary image of the check is usable, and creating a substitute check based upon the grayscale image data if the binary image of the check is determined to be unusable.

Claims

1. A method of an institution creating a substitute check using check image data from a remote check image capture device, the method comprising:

receiving from the remote check image capture device binary image data which is representative of a binary image of a check;

receiving from the remote check image capture device grayscale image data which is representative of a grayscale image of the check;

determining if the binary image of the check is usable; and

creating a substitute check based upon the grayscale image data if the binary image of the check is determined to be unusable.

2. A method according to claim 1, wherein (i) the institution comprises a back office facility of a bank, and (ii) the remote check image capture device comprises a table-top check processing terminal located at a commercial client'"'"'s check image capture facility which is located remote from the back office facility of the bank.

3. A method according to claim 1, wherein (i) the institution comprises a back office facility of a bank, and (ii) the remote check image capture device comprises a table-top check processing terminal located at a bank branch which is located remote from the back office facility of the bank.

4. A method according to claim 1, wherein (i) the institution comprises a third party check processing service provider, and (ii) the remote check image capture device comprises a terminal located at a bank which uses the third party check processing service provider to process checks.

5. A method according to claim 1, wherein (i) the institution comprises a first bank at which checks can be processed, and (ii) the remote check image capture device comprises a terminal located at a second bank which is different from the first bank and which uses the first bank to process checks.

6. A method according to claim 1, wherein the remote check image capture device comprises an image-based self-service depositing terminal.

7. A method according to claim 6, wherein the image-based self-service depositing terminal comprises an image-based check depositing automated teller machine (ATM).

8. A method according to claim 1, wherein the grayscale image data includes (i) a grayscale image data portion which is representative of a grayscale image of the front of the check, and (ii) a grayscale image data portion which is representative of a grayscale image of the rear of the check.

9. A method of a back office facility creating a substitute check using check image data from a remote check image capture device, the method comprising:

receiving from the remote check image capture device binary image data which is representative of a binary image of a check;

receiving from the remote check image capture device grayscale image data which is representative of a grayscale image of the check;

determining if the binary image of the check is suspect; and

creating a substitute check based upon the grayscale image data if the binary image of the check is determined to be suspect.

10. A method according to claim 9, wherein (i) the back office facility comprises a back office facility of a bank, and (ii) the remote check image capture device comprises a table-top check processing terminal located at a commercial client'"'"'s check image capture facility which is located remote from the back office facility of the bank.

11. A method according to claim 9, wherein (i) the back office facility comprises a back office facility of a bank, and (ii) the remote check image capture device comprises a table-top check processing terminal located at a bank branch which is located remote from the back office facility of the bank.

12. A method according to claim 9, wherein (i) the back office facility comprises a third party check processing service provider, and (ii) the remote check image capture device comprises a terminal located at a bank which uses the third party check processing service provider to process checks.

13. A method according to claim 9, wherein (i) the back office facility comprises a back office facility of a first bank at which checks can be processed, and (ii) the remote check image capture device comprises a terminal located at a second bank which is different from the first bank and which uses the back office facility of the first bank to process checks.

14. A method according to claim 9, wherein the remote check image capture device comprises an image-based self-service depositing terminal.

15. A method according to claim 14, wherein the image-based self-service depositing terminal comprises an image-based check depositing automated teller machine (ATM).

16. An apparatus comprising:

a printer;

a first controller for (i) receiving from a remote check image capture device binary image data which is representative of a binary image of a check, and (ii) receiving from the remote check image capture device grayscale image data which is representative of a grayscale image of the check; and

a second controller for (i) receiving grayscale image data from the first controller, and (ii) controlling the printer to print a substitute check based upon grayscale image data received from the first controller when the binary image of the check is unusable.

17. An apparatus according to claim 16, wherein (i) the second controller comprises an image replacement document (IRD) controller, and (ii) the printer comprises an IRD printer.