METHOD AND SYSTEM FOR MANAGING BANK DRAFTS

• US 20070285723A1
• Filed: 05/25/2007
• Published: 12/13/2007
• Est. Priority Date: 05/26/2006
• Status: Abandoned Application

• Current Assignee: C'Est P'Zazzz Industries
• Original Assignee: C'Est P'Zazzz Industries
• Inventors: Fabel, Warren, Campbell, Charles
• Application Number:
  US11/754,010
• Publication Number:
  US 20070285723A1
• Time in Patent Office: Days
• US Class Current: 358/1.180
• 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 system, method and computer readable medium for capturing draft or check data during a print process is disclosed. In another embodiment the present invention captures draft information during a print process. A user will initiate a print command to provide a copy of a draft being issued to a payee. In response to the print command a spool file is read. The spool file contains draft information associated. An output file containing the at least a portion of the draft information in the spool file is generated. The draft information is modified to conform to a template that provides improved automatic imaging recognition of the draft information such font type, font size and font spacing. Sending the output file to be printed.

Claims

1. A method for capturing draft information during a print process, the method comprising:

in response to a print command being executed by an application to provide a copy, to a user, of a draft being issued to a payee, reading a spool file containing draft information associated with the draft;

extracting at least a portion of the draft information from the spool file; and

generating an output file containing the at least a portion of the draft information in the spool file;

modifying the draft information which has been extracted to conform to a template that provides improved automatic imaging recognition of the draft information; and

sending the output file to be printed.

2. The method according to claim 1, wherein the template that provides improved automatic imaging recognition of the draft information includes a font type, a font size, and a font spacing.

3. The method according to claim 2, wherein the font spacing is a fixed space font with a 12 point font size or 10 point font size.

4. The method according to claim 2, wherein the font type is at least one of Vernada, OCR A, OCR B, Arial and Courier.

5. The method according to claim 2, wherein the font type is all capital case.

6. The method according to claim 1, wherein the template that provides improved automatic imaging recognition of the draft information further comprises:

inserting a maximum of two space between at least one of titles and names for the payee.

7. The method according to claim 1, wherein the template that provides improved automatic imaging recognition of the draft information further comprises:

inserting a clear space of at least two spaces in front of and at the end of the payee.

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

locally printing the draft for mailing to the payee.

9. The method according to claim 8, wherein the locally printing the draft for mailing to the payee is performed by a payor.

10. The method according to claim 1, wherein the sending the output file includes sending the output file using a secure internet protocol.

11. The method according to claim 10, wherein the application is a local application for creating a draft to a payee.

12. The method according to claim 1, wherein the application is a hosted application at a website for creating a draft to a payee.

13. The method according to claim 12, wherein the hosted application is at a website of the drawee of the draft.

14. A method for capturing draft information during a print process, the method comprising:

in response to a print command being executed by an application to provide a copy, to a user, of a draft being issued to a payee, reading a spool file containing draft information associated with the draft;

generating an output file containing the at least a portion of the draft information in the spool file which includes at least a portion of a postal delivery address of the payee, whereby the output file is used by a drawee of the draft for calculating a monetary float for the postal delivery address of the payee; and

sending the output file to a drawee of the draft.

15. The method according to claim 14, wherein the output file is used by a drawee of the draft for calculating a monetary float for the postal delivery address of the payee along with a date that the print command was executed.

16. The method according to claim 15, wherein the output file is used by a drawee of the draft for calculating a monetary float for the postal delivery address of the payee along with an address from which a draft is being sent from a payor.

17. The method according to claim 14, further comprising:

locally printing the draft for mailing to the payee.

18. A method for capturing draft information during a print process, the method comprising:

in response to a print command being executed by an application to provide a copy, to a user, of a draft being issued to a payee, reading a spool file containing draft information associated with the draft;

extracting at least a portion of the draft information from the spool file; and

generating an output file containing the at least a portion of the draft information in the spool file; and

locally printing the draft for mailing to the payee, wherein the draft includes a picture of a payee.

19. The method according to claim 18, wherein the picture is in a stippled style.

20. A method for optimizing font for automatic image recognition, the method comprising:

in response to a print command being executed by an application to provide a copy, printing a draft being issued to a payee with

a fixed space font

a 12 point font size or 10 point font size; and

a font type is at least one of Vernada, OCR A, OCR B, Arial and Courier;

so as to improve automatic imaging recognition of information on the draft.