Automated processing of financial documents

• US 4,027,142 A
• Filed: 08/18/1975
• Issued: 05/31/1977
• Est. Priority Date: 03/06/1974
• Status: Expired due to Term

• Current Assignee: Recognition International, Inc. (BancTec Incorporated)
• Original Assignee: Recognition Equipment Incorporated
• Inventors: Blair, James F., Paup, Robert E.
• Primary Examiner(s): Kilgore, Robert M.
• Application Number:
  US05/605,605
• Time in Patent Office: 652 Days
• Field of Search: 101/93.04, 101/72, 197/1 R, 235/61.9 R, 235/61.7 B, 235/61.11 E, 235/61.11 R, 235/61.11 A, 235/61.11 D, 235/61.12 N, 209/74, 346/75, 346/1, 250/569, 340/146.3 E, 164/115
• US Class Current: 235/379
• CPC Class Codes: G06F 7/06 Arrangements for sorting, selecting, merging, or comparing data on individual record carriers
• CPC Class Codes: G06K 1/121 by printing code marks applying code marks to labels B65C9/46; marking or coding completed packages B65B61/26
• CPC Class Codes: G06K 17/00 Methods or arrangements for effecting co-operative working between equipments covered by two or more of main groups G06K1/00 - G06K15/00, e.g. automatic card files incorporating conveying and reading operations
• CPC Class Codes: G06Q 20/042 characterized in that the payment protocol involves at least one cheque

Abstract

Automated processing of bank checks encoded with alphanumeric characters on the face of each check by transporting said checks as a serial constant velocity train through a processor to a sorter while at a first station generating an item control number unique to each document and at a second station sensing each character in the encoded line to produce a string of data signals for each document. At a third station the control number and other data is imprinted on the back of each document in code form and the control number and other data is imprinted on the face of each document in human readable form.

Claims

1. An automated processing system for bank checks encoded with magnetic alpha-numeric characters along a line on the face of each check, comprising;

(a) means for transporting said check serially as a constant velocity train through a processor to a sorter,

(b) at a first station in said processor means for generating an item control number unique to each said document and to the bank processing the document,

(c) at a second station in said processor means for sensing each character in said line to produce a string of data signals from each document,

(d) at a third station in said processor means for printing said control number on each said document in at least one of bar code form and human readable form, and

(e) means at a station intermediate said second and third stations scans the site at which each said document is to receive said bar code for the presence of bar codes and printing means at said third station is inhibited in response to detection of a bar code at said site.

2. Automated processing of bank checks encoded with magnetic alpha-numeric characters along a line on the face of each check comprising the steps of:

(a) transporting said checks serially as a constant velocity train through a processor to a sorter,

(b) generating in said processor an item control number unique to each said document and to the bank processing the document,

(c) at a first station along the path of said train in said processor sensing each character in said line to produce a string of data signals from each document,

(d) at a second station in said processor imprinting said control number and at least part of said data signals on each said document in at least one of bar code form and human readable form, and

(e) sensing the site at which each said document is to be imprinted in bar code form for the presence of bar codes at a station intermediate said first and second stations and wherein any imprinting at said second station is inhibited in response to detection of a bar code at said site.

3. In a document sorter-processor where a high speed transport moves a train of documents through an alphanumeric character reader means and a first ink jet printer to addresses in a family of destinations selected on the basis of data read from each said document by said reader means and wherein means connected between said reader means and said printer actuates said printer to imprint on each said document a coded representation of signals from said reader means, the combination comprising:

(a) control means changing with passage of each said document in said train to produce an ordered set of indicia, one member thereof for each document,

(b) an alphanumeric ink jet printer through which said train passes positioned on the side of said train opposite said first printer, and

(c) means for delayed actuation of at least one of said first and second printers in response to said control means to apply one of said indicia as a positive item control number to each said document during passage through said one of said printers.

4. In a document sorter-processor where a high speed transport moves a train of documents through an alphanumeric character reader means and a first ink jet printer to addresses in a family of destinations selected on the basis of data read from each said document by said reader means and wherein means connected between said reader means and said printer actuates said printer to imprint on each said document a coded representation of signals from said reader means, the combination comprising:

(a) control means changing with passage of each said document in said train to produce an ordered set of indicia, one member thereof for each document,

(b) a second ink jet printer through which said train passes,

(c) means for delayed actuation of at least one of said first and second printers in response to said control means to apply one of said indicia as a positive item control number to each said document during passage through said one of said printers, and

(d) a bar code reader located between said reader means and said first printer and aligned therewith to selectively disable said first printer to prevent overprinting a previously applied code representation on any of said documents.

5. In a document sorter-processor where a high speed transport moves a train of documents through an alphanumeric character reader means and a first ink jet printer to addresses in a family of destinations selected on the basis of data read from each said document by said reader means and wherein means connected between said reader means and said printer actuates said printer to imprint on each said document a coded representation of signals from said reader means, the combination comprising:

(a) control means changing with passage of each said document in said train to produce an ordered set of indicia, one member thereof for each document,

(b) a second ink jet printer through which said train passes, (c) c. means for delayed actuation of at least one of said first and second printers in response to said control means to apply one of said indicia as a positive item control number to each said document,

(d) a third ink jet printer positioned adjacent to the back of said train to apply alphanumeric data selectively to the back of said documents, and

(e) control means to enable printing of said alphanumeric data on the back of documents during passage through said one of said printers in response to a preset format uniquely identifying the processor of said documents.

6. In a document sorter-processor where a high speed transport moves a train of documents through an alphanumeric character reader means and a first ink jet printer to addresses in a family of destinations selected on the basis of data read from each said document by said reader means and wherein means connected between said reader means and said printer actuates said printer to imprint on each said document a coded representation of signals from said reader means, the combination comprising:

(a) verifying means through which said train passes for sensing and comparing said coded representation applied to each said document by said printer with corresponding signals applied to said first printer,

(b) control means changing with passage of each document in said train to produce an ordered set of indicia,

(c) a second ink jet printer through which said train passes,

(d) means for delayed actuation of said first and second printers in response to said control means to apply one of said indicia as a positive item control number to said document in bar code form and alphanumeric form,

(e) means responsive to detection of predetermined incomplete code printing of said first printer to effect the stopping of said transport and delivering incomplete code printed documents to a reject destination, and

(f) counter means for counting the number of consecutive documents with incomplete code printing and provided with means for stopping said transport when said counter reaches a predetermined level.

7. The system of claim 6 in which means are provided to deliver to a reject destination any document sensed by said verifying means as incompletely imprinted.

8. In a document sorter-processor where a high speed transport moves a train of documents through an alphanumeric character reader means and a bar code ink jet printer positioned at the back of said train to addresses in a family of destinations selected on the basis of data read from said document by said reader means and wherein means connected between said reader means and said printer actuates said printer to imprint on each said document a coded representation of signals from said reader means, the combination comprising:

(a) verifying means through which said train passes for sensing and comparing said coded representation applied to each document by said bar code printer with corresponding signals applied to said bar code printer,

(b) control means changing with passage of each document in said train to produce an ordered set of indicia,

(c) an alphanumeric ink jet printer through which train passes positioned on the face of said train,

(d) means for delayed actuation of said printer in response to said control means to apply one of said indicia as a positive item control number to said document in bar code form and alphanumeric form, and

(e) means responsive to detection of predetermined incomplete code printing of said bar code printer to effect a stopping of said transport and delivering incomplete code printed documents to a reject destination.

9. Automatic processing of bank checks encoded with magnetic alphanumeric characters along a line on the face of each check also having a transit routing field, comprising the steps of:

sensing the transit routing field for the presence of encoded data to produce a code presence signal,

generating data signals including an item control number, one unique to each bank check processed,

controlling an ink jet printer in response to the code presence signal to imprint in the transit routing field when the presence signal indicates an absence of encoded data the data signals including the bank check item control number, and

sorting the bank check in response to the data imprinted in the transit routing field.

10. Automatic processing of bank checks as set forth in claim 9 wherein the item control number includes data identifying the processing bank.

11. Automatic processing of bank checks as set forth in claim 9 wherein the generated data signals include depositor identification data, transit routing data, and item amount data.

12. Automatic processing of bank checks as set forth in claim 9 including the step of recording the data signals in a memory storage.

13. Automatic processing of bank checks as set forth in claim 9 including the steps of:

sensing a bank field of each check for the presence of encoded data to produce a second code presence signal,

generating second data signals including an item control number, one unique to each bank check processed, and

controlling an ink jet printer in response to the second code presence signal to imprint in the first bank field when the second code presence signal indicates an absence of encoded data the second data signals including the bank check item control number.

14. Automatic processing of bank checks as set forth in claim 13 including the steps of:

sensing a second bank field for the presence of encoded data to produce a third code presence signal,

generating third data signals including an item control number, one unique to each bank check processed, and

controlling an ink jet printer in response to the third code presence signal to imprint in the second bank field when the third code presence signal indicates an absence of encoded data the third data signals including the bank check item control number.

15. Automatic processing of bank checks encoded with magnetic alphanumeric characters along a line on the face of each check also having a first bank field, comprising the steps of:

sensing the first bank field for the presence of encoded data to produce a first code presence signal,

generating data signals including an item control number, one unique to each bank check processed,

controlling an ink jet printer in response to the code presence signal to imprint in the first bank field when the first code signal indicates an absence of encoded data the data signals including the bank check item control number,

sensing a transit routing field on each check for the presence of encoded data to produce a second code presence signal,

generating data signals including transit routing information,

controlling an ink jet printer in response to the second code presence signal to imprint in the transit routing field when the second code signal indicates an absence of encoded data the data signal including the transit routing information, and

sorting the bank check in response to the data imprinted in the first bank field and the transit routing field.

16. Automatic processing of bank checks as set forth in claim 15 wherein the item control number includes digits to identify the processing bank.

17. Automatic processing of bank checks as set forth in claim 15 including the steps of:

in response to the presence of coded data in the first banking field, sensing a second banking field for the presence of encoded data to produce a third code presence signal,

generating data signals including an item control number, one unique to each bank check processed, and

controlling an ink jet printer in response to the third code presence signal to imprint in the second banking field when the third code signal indicates an absence of encoded data the data signals including the bank check item control number.

18. Automatic processing of bank checks as set forth in claim 17 including the steps of:

sensing the encoded transit routing field for a check drawn on the processing bank,

generating data signals including an item control number, one unique to each bank check processed, and transaction data, and

actuating an ink jet printer to imprint on a data field the data signals including the bank check item control number.

19. Automatic processing of bank checks encoded with magnetic alphanumeric characters along a line on the face of each check also having a transit routing field and first and second bank fields;

comprising the steps of;

sensing the first banking field for the presence of encoded data to produce a first code presence signal,

in response to a first code presence signal indicating data in the first banking field, sensing the second banking field for the presence of encoded data to produce a second code presence signal,

generating data signals including an item control number, one unique to each bank check processed and the bank processing the check,

controlling an ink jet printer in response to the second code presence signal to imprint in the second banking field when the second code signal indicates an absence of encoded data the data signals including the bank check item control number, and

sorting the bank check in response to the data imprinted in the second banking field.

20. Automatic processing of bank checks as set forth in claim 19 including the steps of:

sensing the transit routing field for the presence of encoded data to produce a third code presence signal,

generating data signals including an item control number, one unique to each bank check processed, and

controlling an ink jet printer in response to the third code presence signal to imprint in the transit routing field when the third code presence signal indicates an absence of encoded data the data signals including the bank check item control number.