Method of creating a substitute check and an apparatus therefor

• US 7,421,107 B2
• Filed: 06/18/2004
• Issued: 09/02/2008
• Est. Priority Date: 06/18/2004
• Status: Active Grant

• Current Assignee: NCR Voyix Corporation
• Original Assignee: NCR Corporation (NCR Voyix Corporation)
• Inventors: Lugg, Richard P.
• Primary Examiner(s): AZARIAN, SEYED H
• Application Number:
  US10/871,408
• Publication Number:
  US 20050281448A1
• Time in Patent Office: 1,537 Days
• Field of Search: 382/101, 382/102, 382112-117, 382135-139, 382/140, 382/168, 382/181, 382/185, 382186-189, 382/232, 382/274, 382/276, 382282-299, 382/321, 382/202, 382/231, 382/305, 235/380, 705/50, 707/200, 400/578, 902/27
• US Class Current: 382/139
• CPC Class Codes: G06Q 20/042 characterized in that the payment protocol involves at least one cheque
• CPC Class Codes: G06V 30/2253 Recognition of characters printed with magnetic ink G06V30/2247 takes precedence

Abstract

A substitute check is created for an original check which has an encode line printed thereon. Check image data which is representative of an image of the original check is received and analyzed to establish positioning of MICR characters within the encode line of the original check. An encode line of the substitute check is formatted based upon the positioning of MICR characters within the encode line of the original check such that the formatted encode line of the substitute check matches the encode line of the original check. The formatted encode line of the substitute check is printed to create at least a portion of the substitute check.

Claims

1. A method of creating a substitute check, the method comprising:

receiving check image data which is representative of an image of an original check;

receiving original magnetic ink character recognition (MICR) line data which is representative of MICR characters contained in a MICR line of the original check;

decoding the check image data to provide decoded MICR line data;

comparing the decoded MICR line data with the original MICR line data;

creating modified MICR line data which is different from the original MICR line data based upon the comparison of the decoded MICR line data with the original MICR line data;

sending the modified MICR line data to a substitute check printer; and

printing a MICR line of a substitute check based upon the modified MICR line data.

2. A method according to claim 1, wherein decoding the check image data includes optically reading the MICR characters which are defined by the check image data.

3. A method according to claim 1, wherein comparing the decoded MICR line data with the original MICR line data includes determining if characters represented by the decoded MICR line data and characters represented by original MICR line data match.

4. A method of processing check image data which is representative of an image of an original check and original magnetic ink character recognition (MICR) line data which is representative of MICR characters contained in an original MICR line of the original check to provide data for use in re-creating a substitute check, the method comprising:

decoding the check image data to provide decoded MICR line data which is representative of MICR character and spaces contained in the MICR line of the image of the check; and

matching the decoded MICR line data and the original MICR line data to provide modified MICR line data which is representative of an encode MICR line for use in creating the substitute check.

5. A method according to claim 4, wherein the modified MICR line data includes data which is representative of spaces between characters.

6. A method according to claim 4, wherein decoding the check image data includes optically reading characters which are defined by the check image data.

7. A method of creating a substitute check for an original check which has an encode line printed thereon, the method comprising:

receiving check image data which is representative of an image of the original check;

analyzing the check image data to establish positioning of MICR characters within the encode line of the original check;

formatting an encode line of the substitute check based upon the positioning of MICR characters within the encode line of the original check such that the formatted encode line of the substitute check matches the encode line of the original check; and

printing the formatted encode line of the substitute check to create at least a portion of the substitute check.

8. An apparatus for processing check image data which is representative of an image of an original check and original magnetic ink character recognition (MICR) line data which is representative of MICR characters contained in an original MICR line of the original check to provide data for use in re-creating a substitute check, the apparatus comprising:

means for decoding the check image data to provide decoded MICR line data which is representative of MICR character and spaces contained in the MICR line of the image of the check; and

means for matching the decoded MICR line data and the original MICR line data to provide modified MICR line data which is representative of an encode MICR line for use in creating the substitute check.

9. An apparatus according to claim 8, wherein the modified MICR line data includes data which is representative of spaces between characters.

10. An apparatus according to claim 8, wherein the means for encoding the check image data includes means for optically reading characters which are defined by the check image data.

11. An apparatus for creating a substitute check for an original check which has an encode line printed thereon, the apparatus comprising:

means for receiving check image data which is representative of an image of the original check;

means for analyzing the check image data to establish positioning of MICR characters within the encode line of the original check;

means for formatting an encode line of the substitute check based upon the positioning of MICR characters within the encode line of the original check such that the formatted encode line of the substitute check matches the encode line of the original check; and

printing the formatted encode line of the substitute check to create at least a portion of the substitute check.