Systems and methods for processing check identifiers using replacement symbols

• US 7,503,486 B2
• Filed: 05/10/2007
• Issued: 03/17/2009
• Est. Priority Date: 01/08/2002
• Status: Expired due to Fees

• Current Assignee: First Data Corporation (Fiserv Incorporated)
• Original Assignee: First Data Corporation (Fiserv Incorporated)
• Inventors: Ahles, Daniel R., Dauben, Paul D.
• Primary Examiner(s): Minh; Le Thien
• Assistant Examiner(s): VO, TUYEN KIM
• Application Number:
  US11/747,056
• Publication Number:
  US 20070205265A1
• Time in Patent Office: 677 Days
• Field of Search: 235/379, 235/380, 235/375, 235/381, 235/383, 705/45, 705/75, 705/80
• US Class Current: 235/380
• CPC Class Codes: G06Q 20/042 characterized in that the payment protocol involves at least one cheque
• CPC Class Codes: G06Q 20/382 insuring higher security of transaction
• CPC Class Codes: G06Q 20/401 Transaction verification
• CPC Class Codes: G06Q 30/06 Buying, selling or leasing transactions
• CPC Class Codes: G06Q 50/188 Electronic negotiation

Abstract

An original check identifier in MICR format includes separator symbols that do not appear on a typical computer keyboard. When a user is entering a check identifier from a computer or a telephone, the user is instructed to replace the separator symbols with replacement symbols that appear on a typical computer keyboard. The replacement symbols indicate the separation of fields within the check identifier, such as the routing number field, the account number field and the check number field. The entered check identifier with replacement symbols is parsed to distinguish the fields. After the fields are distinguished, the routing number, the account number and the check number of the check identifier are identified.

Claims

1. A system for processing a substitute check identifier in a check transaction wherein a MICR line associated with the check transaction comprises a plurality of MICR numeric fields separated by at least one non-numeric MICR separator symbol, the system comprising:

a parsing module residing on computer-readable media, the parsing module comprising computer code configured to distinguish at least one field within the substitute check identifier;

wherein the substitute check identifier comprises at least one replacement non-numeric symbol that replaces and is different from the at least one non-numeric MICR separator symbol in the MICR line; and

wherein the substitute check identifier further comprises a plurality of numeric fields; and

a validation module configured to validate the substitute check identifier by determining whether a predetermined number of replacement non-numeric symbols exists in the substitute check identifier, and further determining whether at least one of the numbers in the plurality of numeric fields associated with the substitute check identifier comprises a predetermined number of digits for the at least one number; and

if a replacement non-numeric symbol is mistakenly entered by a user within the plurality of numeric fields associated with the substitute check identifier, the validation module is further configured distinguish between the plurality of numeric fields associated with the substitute check identifier by determining whether an identified check number corresponds with a previously entered check number.

2. The system of claim 1, wherein the parsing module is further configured to identify a routing number field.

3. The system of claim 1, wherein the parsing module is further configured to identify an account number field.

4. The system of claim 1, wherein the parsing module is further configured to identify a check number field.

5. The system of claim 1, wherein the substitute check identifier comprises at least one of a routing number field, an account number field, and a check number field.

6. The system of claim 5, wherein the replacement non-numeric symbol exists between the account number field and the check number field.

7. The system of claim 5, wherein the replacement non-numeric symbol exists between the account number field and the routing number field.

8. The system of claim 5, wherein the replacement non-numeric symbol exists at the beginning of the substitute check identifier.

9. The system of claim 1, wherein the replacement non-numeric symbol is a generic symbol.

10. A method of processing a substitute check identifier in a check transaction wherein a MICR line associated with the check transaction comprises a pluralitv of MICR numeric fields separated by at least one non-numeric MICR separator symbol, the method comprising:

identifying at least one non-numeric replacement symbol within a substitute check identifier,

wherein the substitute check identifier comprises at least one replacement non-numeric symbol that replaces and is different from the at least one non-numeric MICR separator symbol in the MICR line, and wherein the substitute check identifier further comprises a plurality of numeric fields;

distinguishing at least one field within the substitute check identifier using the identified at least one non-numeric replacement symbol to produce a parsed check identifier;

identifying a check number in the parsed check identifier;

identifying a routing number in the parsed check identifier;

identifying an account number in the parsed check identifier;

validating the parsed check identifier by determining whether a predetermined number of replacement non-numeric symbols exists in the substitute check identifier, and further determining whether at least one of the numbers in the substitute check identifier comprises a predetermined number digits for the at least one number; and

if a replacement non-numeric symbol is mistakenly entered by a user within at least one field associated with the substitute check identifier, distinguishing between the fields associated with the substitute check identifier by determining whether an identified check number corresponds with a previously entered check number.

11. The method of claim 10, wherein the replacement non-numeric symbol is a symbol from a computer keyboard.

12. The method of claim 10, wherein the replacement non-numeric symbol is a symbol from a telephone keypad.

13. The method of claim 10, wherein the replacement non-numeric symbol is an asterisk.

14. The method of claim 10, wherein the replacement non-numeric symbol is a “

#”

symbol.

15. The method of claim 10, wherein the replacement non-numeric symbol is a generic symbol.

16. A computer program stored on a computer-readable medium and confiqured for processing a substitute check identifier in a check transaction wherein a MICR line associated with the check transaction comprises a plurality of MICR numeric fields separated by at least one non-numeric MICR separator symbol, the computer program comprising:

computer code configured to identify at least one non-numeric replacement symbol within the substitute check identifier, wherein the substitute check identifier comprises at least one non-numeric replacement symbol that replaces the at least one original non-numeric separator symbol in the MICR line, and wherein the substitute check identifier further comprises a plurality of numeric fields separated by the at least one non-numeric replacement symbol;

computer code configured to distinguish at least one field within the substitute check identifier using the identified at least one non-numeric replacement symbol to produce a parsed check identifier;

computer code configured to identify a check number in the parsed check identifier;

computer code configured to identify a routing number in the parsed check identifier; and

computer code configured to identify an account number in the parsed check identifier;

computer code configured to validate the parsed check identifier by determining whether a predetermined number of replacement non-numeric symbols exists in the substitute check identifier, and further determining whether at least one of the numbers in the substitute check identifier comprises a predetermined number digits for the at least one number; and

computer code configured to distinguish between the numeric fields associated with the substitute check identifier by determining whether an identified check number corresponds with a previously entered check number if a replacement non-numeric symbol is mistakenly entered by a user within at least one numeric field associated with the substitute check identifier.

17. The computer program of claim 16, wherein the replacement non-numeric symbol is a symbol from a computer keyboard.

18. The computer program of claim 16, wherein the replacement non-numeric symbol is a symbol from a telephone keypad.

19. The computer program of claim 16, wherein the replacement non-numeric symbol is an asterisk.

20. The computer program of claim 16, wherein the replacement non-numeric symbol is a “

#”

symbol.