Method for processing checks prior to electronic deposit

• US 20070122024A1
• Filed: 11/29/2005
• Published: 05/31/2007
• Est. Priority Date: 11/29/2005
• Status: Abandoned Application

• Current Assignee: Pitney Bowes Incorporated (Böwe Systec AG)
• Original Assignee: Pitney Bowes Incorporated (Böwe Systec AG)
• Inventors: Haas, Bertrand, Campagna, Matthew
• Application Number:
  US11/289,255
• Publication Number:
  US 20070122024A1
• Time in Patent Office: Days
• US Class Current: 382/137
• 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

Abstract

A method of processing a check prior to submitting it for deposit in which the depositor'"'"'s intent at the time of submitting the check is linked with an image of the check. The method includes receiving from the depositor intended amount information for the check, generating a first image of a front of the check, and generating an image of the intended amount. The method further includes generating a second image of the front of the check using the first image of the front of the check, wherein the second image of the front of the check includes the image of the intended amount and wherein the first image of the front of the check may be obtained from the second image of the front of the check. Finally, the method includes submitting at least the second image of the front of the check to a depository bank.

Claims

1. A method of processing a check prior to submitting the check for deposit, comprising:

receiving intended amount information for said check, said intended amount information being an amount of said check that is indicated by a depositor of said check;

generating a first image of a front of said check;

generating an image of said intended amount;

generating a second image of said front of said check using said first image of said front of said check, said second image of said front of said check including said image of said intended amount, wherein said first image of said front of said check may be obtained from said second image of said front of said check; and

submitting said second image of said front of said check to a depository bank.

2. The method according to claim 1, further comprising:

generating a first image of a back of said check; and

generating a second image of said back of said check using said first image of said back of said check, said second image of said back of said check including an image of a signature endorsement of the depositor, wherein said first image of said back of said check may be obtained from said second image of said back of said check;

wherein said submitting step also includes submitting said second image of said back of said check to the depository bank.

3. The method according to claim 1, wherein said submitting step comprises creating a signed intent data package for said check, said singed intent data package including an intent data package and a digital signature of said intent data package, said intent data package including first data including said second image of said front of said check.

4. The method according to claim 3, wherein said first data further includes one or more of an account number of an account into which said check is to be deposited, a name on said account, said intended amount, an account and routing number for said check, and a check number of said check.

5. The method according to claim 2, wherein said submitting step comprises creating a signed intent data package for said check, said singed intent data package including an intent data package and a digital signature of said intent data package, said intent data package including first data including said second image of said front of said check and said second image of said back of said check.

6. The method according to claim 5, wherein said first data further includes one or more of an account number of an account into which said check is to be deposited, a name on said account, said intended amount, an account and routing number for said check, and a check number of said check.

7. The method according to claim 3, wherein said digital signature is generated using a private key of said depositor.

8. The method according to claim 5, wherein said digital signature is generated using a private key of said depositor.

9. The method according to claim 3, wherein said submitting step further comprises creating a signed deposit data package, said singed deposit data package including a deposit data package and a digital signature of said deposit data package, said deposit data package including said signed intent data package and one or more additional signed intent data packages, each of said additional signed intent data packages corresponding to one of one or more additional checks being submitted for deposit.

10. The method according to claim 9, wherein said deposit data package further includes one or more of an account number of an account into which said check and said one or more additional checks are to be deposited, a name on said account, a total deposit amount, and a count of said signed intent data package and said one or more additional signed intent data packages.

11. The method according to claim 1, further comprising printing said intended amount on said front of said check after said step of generating said first image of said front of said check.

12. The method according to claim 11, further comprising:

generating a first image of a back of said check;

generating a transaction number for said check and printing said transaction number on said back of said check after said step of generating said first image of said back of said check; and

generating a second image of said back of said check using said first image of said back of said check, said second image of said back of said check including an image of said transaction number, wherein said first image of said back of said check may be obtained from said second image of said back of said check;

wherein said submitting step also includes submitting said second image of said back of said check to the depository bank.

13. The method according to claim 12, wherein said second image of said back of said check further includes an image of a signature endorsement of the depositor.

14. The method according to claim 12, wherein said submitting step comprises creating a signed intent data package for said check, said singed intent data package including an intent data package and a digital signature of said intent data package, said intent data package including first data including said second image of said front of said check and said second image of said back of said check.

15. The method according to claim 14, wherein said submitting step further comprises creating a signed deposit data package, said singed deposit data package including a deposit data package and a digital signature of said deposit data package, said deposit data package including said signed intent data package and one or more additional signed intent data packages, each of said additional signed intent data packages corresponding to one of one or more additional checks being submitted for deposit.

16. The method according to claim 1, further comprising:

obtaining MICR line information from said check;

determining whether said MICR line information includes MICR amount information;

printing said intended amount on said front of said check after said step of generating said first image of said front of said check if it is determined that said MICR line information does not include said MICR amount information;

determining whether said MICR line amount information is equal to said intended amount if it is determined that said MICR line information includes said MICR amount information; and

indicating an error if it is determined that said MICR line amount information is not equal to said intended amount.

17. The method claimed in claim 1, wherein said second image is encoded in a mica line on said second image on the front of the check.