Flagging unverified checks comprising MICR indicia

• US 6,123,260 A
• Filed: 09/17/1998
• Issued: 09/26/2000
• Est. Priority Date: 09/17/1998
• Status: Expired due to Fees

• Current Assignee: ATSI Holdings, Inc.
• Original Assignee: ATSI Holdings, Inc.
• Inventors: Menzenski, Gregory
• Primary Examiner(s): Lee, Michael G
• Application Number:
  US09/156,100
• Time in Patent Office: 740 Days
• Field of Search: 235/449, 235/439, 235/486, 235/493, 235/470, 364/705.02, 271/902, 400/73, 400/55, 400/58
• US Class Current: 235/449
• 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: G06K 5/02 the verifying forming a part of the marking action

Abstract

A transaction printer includes the MICR encoding and reading of indicia at the point-of-sale. The printer reads the imprinted MICR indicia and determines whether the MICR indicia are verifiable. Unverified checks may be marked. An operator may be asked to determine whether a "bad" check (i.e., wrinkled, folded, torn, etc.) is the probable cause of the verification failure. If the check appears to be good, the MICR encoding function of the transaction printer may be disabled until a service technician is available to isolate the problem.

Claims

1. A transaction printer for encoding and reading MICR indicia upon a check at a point-of-sale, said transaction printer comprising:

means defining a check processing feed path;

means disposed along said check processing feed path for feeding said check therealong;

a MICR encoding zone disposed along said feed path, said MICR encoding zone comprising a print head for printing MICR indicia upon a check;

at least one MICR read head disposed along said feed path for reading imprinted MICR indicia; and

verification means operatively connected to said at least one read head, for determining whether printed MICR indicia is within specification and, in response to an unverified read, providing a message to indicate an unverified check.

2. The transaction printer in accordance with claim 1, wherein said verification means comprises a program for instructing the operator.

3. The transaction printer in accordance with claim 1, wherein said verification means comprises means for displaying messages and information.

4. The transaction printer in accordance with claim 1, wherein said verification means comprises a selection means.

5. The transaction printer in accordance with claim 1, wherein said verification means comprises marking means for marking unverified checks.

6. A transaction printer for encoding and reading MICR indicia upon said check at a point-of-sale, said transaction printer comprising:

means defining a check processing feed path;

means disposed along said check processing feed path for feeding said check therealong;

a check encoding zone and at least one reading zone disposed along said feed path for imprinting and reading MICR indicia upon said check in order to verify said imprinted MICR indicia; and

control means operatively connected to said check encoding zone and said at least one reading zone for verifying encoded MICR characters, and in response to an unverifiable MICR read, providing a flag message.

7. The transaction printer in accordance with claim 6, wherein said control means comprises means for marking an unverified check.

8. The transaction printer in accordance with claim 6, wherein said control means comprises a program for instructing the operator.

9. The transaction printer in accordance with claim 6, wherein said control means comprises a display screen for instructing the operator.

10. A method of processing a check at a point-of-sale, such that said check is encoded with MICR indicia, read and verified, the method comprising the steps of:

a) presenting a check at a point-of-sale to a transaction printer having MICR encoding and reading capability; and

b) driving said check along a MICR encoding feed path to provide a sequential check processing operation, including the further steps of;

i) imprinting said check with MICR indicia;

ii) reading and verifying said MICR indicia imprinted upon said check; and

iii) flagging an unverified check.

11. The method in accordance with claim 10, wherein the flagging an unverified check in step (b)(iii) comprises the step of:

c) imprinting said checks with at least one of the following;

(i) stars outside an amount field of said check,( ii) a bar code, or (iii) a line across a face of said check.