CORRECTION OF CHECK PROCESSING DEFECTS

• US 20140052697A1
• Filed: 08/20/2012
• Published: 02/20/2014
• Est. Priority Date: 08/20/2012
• Status: Active Grant

• Current Assignee: Bank of America Corp.
• Original Assignee: Bank of America Corp.
• Inventors: Williams, Geoffrey R., Gauvin, Timmy L., Cantley, Kerry M., Bennett, Deborah N., Barrett, James F. II, Beaudry, Joshua A., Sandoz, Eric S. II
• Granted Patent: US 8,996,476 B2
• Time in Patent Office: Days
• US Class Current: 707/691
• CPC Class Codes: G06F 16/00 Information retrieval; Database structures therefor; File system structures therefor
• CPC Class Codes: G06Q 20/042 characterized in that the payment protocol involves at least one cheque
• CPC Class Codes: G06V 10/98 Detection or correction of errors, e.g. by rescanning the pattern or by human intervention; Evaluation of the quality of the acquired patterns
• CPC Class Codes: G06V 30/2253 Recognition of characters printed with magnetic ink G06V30/2247 takes precedence

Abstract

Apparatus, methods and media for correcting a defective check processing datum. The apparatus may include, and the methods and media may involve, a receiver that is configured to receive from memory a first transaction record. The transaction record may include Magnetic Ink Character Recognition (MICR) line data. The MICR line data may be electronically read from a check. The transaction record may include non-MICR data. The non-MICR data may be electronically read from the check. The apparatus may include, and the methods and media may involve, a processor that is configured to identify a defective datum among the MICR line data. The processor may identify a portion of the non-MICR data that corresponds to the defective datum. The processor may store in memory a second transaction record. The second transaction record may include corrected data that includes an element that is derived from the identified portion of the non-MICR data.

Claims

1. Apparatus for correcting a defective check processing datum, the apparatus comprising:

a receiver device that is configured to receive from memory a first transaction record that includes;

Magnetic Ink Character Recognition (MICR) line data electronically read from a check; and

non-MICR data electronically read from the check; and

a processor device that is configured to;

identify a defective datum among the MICR line data;

identify a portion of the non-MICR data that corresponds to the defective datum; and

store in memory a second transaction record that includes an element derived from the portion of the non-MICR data.

2. The apparatus of claim 1 wherein the processor is further configured to store the non-MICR data in the second transaction record.

3. The apparatus of claim 1 wherein the processor is further configured to store corrected MICR line data in the second transaction record, the corrected MICR line data being identical to the MICR line data of the first transaction record, except for a replacement of the defective datum by the element.

4. The apparatus of claim 1 wherein the processor is further configured to:

identify in the first transaction record a MICR line data segment that corresponds to the defective datum;

based on the MICR line data segment, identify in the first transaction record a non-MICR data segment; and

identify, within the non-MICR data segment, the portion of the non-MICR data that corresponds to the defective datum.

5. The apparatus of claim 4 wherein:

the MICR line segment represents a routing transit number; and

the non-MICR data segment represents a fractional routing transit number printed on the check.

6. The apparatus of claim 4 wherein:

the MICR line segment represents an institutional identifier; and

the non-MICR data segment represents a name of a financial institution printed on the check.

7. The apparatus of claim 4 wherein:

the MICR line segment represents an account number; and

the non-MICR data segment represents a signature of a payor indicated on the check.

8. Apparatus for correcting a defective check processing datum, the apparatus comprising:

a receiver device that is configured to receive from memory a first transaction record that includes;

Magnetic Ink Character Recognition (MICR) line data electronically optically scanned from a check; and

MICR line data electronically magnetically read from the check; and

a processor device that is configured to;

identify a defective datum among the optically scanned MICR line data;

identify a portion of the magnetically read MICR line data that corresponds to the defective datum; and

store in memory a second transaction record that includes an element derived from the portion of the magnetically read MICR line data.

9. The apparatus of claim 8 wherein the processor is further configured to store the magnetically read MICR line data in the second transaction record.

10. The apparatus of claim 8 wherein the processor is further configured to store corrected MICR line data in the second transaction record, the corrected MICR line data being identical to the optically scanned MICR line data of the first transaction record, except for a replacement of the defective datum by the element.

11. The apparatus of claim 8 wherein the processor is further configured to:

identify in the first transaction record an optically scanned MICR line data segment that corresponds to the defective datum;

based on the optically scanned MICR line data segment, identify in the first transaction record a magnetically read MICR line data segment; and

identify, within the magnetically read MICR line data segment, the portion of the magnetically read MICR line data that corresponds to the defective datum.

12. One or more non-transitory computer readable media having code stored thereon which, when executed by a processor, performs a method for correcting a defective check processing datum, the method comprising:

receiving from memory a first transaction record that includes;

Magnetic Ink Character Recognition (MICR) line data electronically read from a check; and

non-MICR data electronically read from the check;

identifying a defective datum among the MICR line data;

identifying a portion of the non-MICR data that corresponds to the defective datum; and

storing in memory a second transaction record that includes an element derived from the portion of the non-MICR data.

13. The media of claim 12 wherein the method further comprises storing the non-MICR data in the second transaction record.

14. The media of claim 12 wherein the method further comprises storing corrected MICR line data in the second transaction record, the corrected MICR line data being identical to the MICR line data of the first transaction record, except for a replacement of the defective datum by the element.

15. The media of claim 12 wherein the method further comprises:

identifying in the first transaction record a MICR line data segment that corresponds to the defective datum;

based on the MICR line data segment, identifying in the first transaction record a non-MICR data segment; and

identifying, within the non-MICR data segment, the portion of the non-MICR data that corresponds to the defective datum.

16. The media of claim 15 wherein, in the method:

the MICR line segment represents a routing transit number; and

the non-MICR data segment represents a fractional routing transit number printed on the check.

17. The media of claim 15 wherein, in the method:

the MICR line segment represents an institutional identifier; and

the non-MICR data segment represents a name of a financial institution printed on the check.

18. The media of claim 15 wherein, in the method:

the MICR line segment represents an account number; and

the non-MICR data segment represents a signature of a payor indicated on the check.