Method of creating an image replacement document for use in a check truncation environment and an apparatus thereof

• US 7,163,347 B2
• Filed: 04/19/2006
• Issued: 01/16/2007
• Est. Priority Date: 08/30/2004
• Status: Active Grant

• Current Assignee: NCR Voyix Corporation
• Original Assignee: NCR Corporation (NCR Voyix Corporation)
• Inventors: Lugg, Richard P.
• Primary Examiner(s): Nguyen; Judy
• Assistant Examiner(s): Hamdan; Wasseem H.
• Application Number:
  US11/406,648
• Publication Number:
  US 20060188311A1
• Time in Patent Office: 272 Days
• Field of Search: 400/578, 400/605, 382/137, 382/139, 382/138, 382/140, 705/78, 705/42, 705/30, 347/106, 358/1.13, 358/1.9, 358/1.15, 235/379, 235/380
• US Class Current: 400/578
• 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
• CPC Class Codes: G06Q 20/0425 the cheque being electronic only
• CPC Class Codes: G06Q 20/108 Remote banking, e.g. home banking

Abstract

A method of creating an image replacement document (IRD) for use in a check truncation environment comprises building a print file having a magnetic ink character recognition (MICR) portion and a non-MICR portion based upon IRD data, printing with non-magnetic ink a front portion of the IRD based upon the non-MICR portion of the print file, printing with non-magnetic ink a machine-readable code onto at least one of the front and back portions of the IRD, reading the machine-readable code from the at least one of the front and back portions of the IRD, and printing with magnetic ink an encoded MICR codeline onto at least one of the front and back portions of the IRD based upon the machine-readable code.

Claims

1. A method of creating an image replacement document (IRD) for use in a check truncation environment, the method comprising:

building a print file having a magnetic ink character recognition (MICR) portion and a non-MICR portion based upon IRD data;

printing with non-magnetic ink a front portion of the IRD based upon the non-MICR portion of the print file;

printing with non-magnetic ink a machine-readable code onto at least one of the front and back portions of the IRD;

reading the machine-readable code from the at least one of the front and back portions of the IRD; and

printing with magnetic ink an encoded MICR codeline onto at least one of the front and back portions of the IRD based upon the machine-readable code.

2. A method according to claim 1, wherein the encoded MICR codeline is printed with magnetic ink onto the front portion of the IRD.

3. A method according to claim 1, wherein the machine-readable code comprises a barcode.

4. A method according to claim 1, further comprising printing with non-magnetic ink the back portion of the IRD based upon the non-MICR portion of the print file.

5. An apparatus for creating an image replacement document (IRD) for use in a check truncation environment, the apparatus comprising:

a processor building a print file having a magnetic ink character recognition (MICR) portion and a non-MICR portion based upon IRD data;

a first printer for printing with non-magnetic ink a front portion of the IRD based upon the non-MICR portion of the print file;

a second printer for printing with non-magnetic ink a machine-readable code onto at least one of the front and back portions of the IRD;

a reader for reading the machine-readable code from the at least one of the front and back portions of the IRD; and

a third printer for printing with magnetic ink an encoded MICR codeline onto at least one of the front and back portions of the IRD based upon the machine-readable code.

6. An apparatus according to claim 5, wherein the encoded MICR codeline is printed with magnetic ink onto the front portion of the IRD.

7. An apparatus according to claim 5, wherein the machine-readable code comprises a barcode.

8. An apparatus according to claim 5, wherein (i) the first and second printers comprise a duplex printer, and (ii) the third printer comprises a MICR encoder.