Computer-implemented method of processing a substitute check and an apparatus therefor

• US 20070140545A1
• Filed: 12/16/2005
• Published: 06/21/2007
• Est. Priority Date: 12/16/2005
• Status: Active Grant

• Current Assignee: NCR Corporation
• Original Assignee: NCR Corporation
• Inventors: Rossignoli, James
• Granted Patent: US 7,711,176 B2
• Time in Patent Office: Days
• US Class Current: 382/139
• CPC Class Codes: G06Q 20/042 characterized in that the payment protocol involves at least one cheque
• CPC Class Codes: G06V 30/10 Character recognition
• CPC Class Codes: G06V 30/2253 Recognition of characters printed with magnetic ink G06V30/2247 takes precedence
• CPC Class Codes: G06V 30/274 Syntactic or semantic context, e.g. balancing

Abstract

A computer-implemented method is provided of processing a substitute check which has been made from an original check. The computer-implemented method comprises (a) reading from the substitute check a printed magnetic ink character recognition (MICR) codeline, (b) reading from the substitute check an imaged MICR codeline, and (c) comparing the printed MICR codeline of step (a) and the imaged MICR codeline of step (b) to determine if the printed MICR codeline and the imaged MICR codeline match.

Claims

1. A computer-implemented method of processing a substitute check which has been made from an original check, the computer-implemented method comprising:

(a) reading from the substitute check a printed magnetic ink character recognition (MICR) codeline;

(b) reading from the substitute check an imaged MICR codeline; and

(c) comparing the printed MICR codeline of step (a) and the imaged MICR codeline of step (b) to determine if the printed MICR codeline and the imaged MICR codeline match.

2. A computer-implemented method according to claim 1, wherein the comparison of step (c) is performed using fuzzy matching logic.

3. A computer-implemented method of processing a substitute check which has been made from an original check, the computer-implemented method comprising:

(a) reading from the substitute check an encoded magnetic ink character recognition (MICR) codeline;

(b) reading from the substitute check a MICR codeline appearing in a front image of the original check;

(c) comparing the encoded MICR codeline of step (a) and the MICR codeline appearing in the front image of the original check of step (b);

(d) determining if the encoded MICR codeline and the MICR codeline appearing in the front image of the original check are acceptable based upon the comparison of step (c).

4. A computer-implemented method according to claim 3, wherein the determination of step (d) is affirmative when all characters contained in the MICR codeline of step (b) and all characters contained in the MICR codeline appearing in the front image of the original check of step (c) match, except for an extra character contained at the beginning of the character string of the MICR codeline of step (b).

5. A computer-implemented method according to claim 3, wherein the comparison of step (d) is performed using fuzzy matching logic.

6. An apparatus comprising:

a first reader for reading from a substitute check a printed magnetic ink character recognition (MICR) codeline;

a second reader for reading from the substitute check an imaged MICR codeline; and

a comparator for comparing the printed MICR codeline and the imaged MICR codeline to determine if the printed MICR codeline and the imaged MICR codeline match.

7. An apparatus according to claim 6, wherein the first reader includes a MICR reader in hardware form, and (ii) the second reader includes an optical character recognition (OCR) reader in hardware form.

8. An apparatus according to claim 6, wherein the first reader includes a MICR reader in hardware form, and (ii) the second reader includes an optical character recognition (OCR) reader in software form.

9. An apparatus according to claim 6, wherein the first reader includes a MICR reader in software form, and (ii) the second reader includes an optical character recognition (OCR) reader in hardware form.

10. An apparatus according to claim 6, wherein the first reader includes a MICR reader in software form, and (ii) the second reader includes an optical character recognition (OCR) reader in software form.

11. An apparatus according to claim 6, wherein the comparator includes fuzzy match logic.