Computer-implemented method of processing a substitute check and an apparatus therefor

• US 7,711,176 B2
• Filed: 12/16/2005
• Issued: 05/04/2010
• Est. Priority Date: 12/16/2005
• Status: Active Grant

• Current Assignee: NCR Voyix Corporation
• Original Assignee: NCR Corporation (NCR Voyix Corporation)
• Inventors: Rossignoli, James M.
• Primary Examiner(s): Werner; Brian P
• Assistant Examiner(s): MACKOWEY, ANTHONY M
• Application Number:
  US11/305,758
• Publication Number:
  US 20070140545A1
• Time in Patent Office: 1,600 Days
• Field of Search: 382/112, 382/135, 382137-140, 382/182, 382/20, 705/45, 235/379, 235/449, 235/454
• US Class Current: 382/140
• CPC Class Codes: G06Q 20/042 characterized in that the payment protocol involves at least one cheque
• CPC Class Codes: G06V 30/10 Character recognition
• CPC Class Codes: G06V 30/2253 Recognition of characters printed with magnetic ink G06V30/2247 takes precedence
• CPC Class Codes: G06V 30/274 Syntactic or semantic context, e.g. balancing

Abstract

A computer-implemented method is provided of processing a substitute check which has been made from an original check. The computer-implemented method comprises (a) reading from the substitute check a printed magnetic ink character recognition (MICR) codeline, (b) reading from the substitute check an imaged MICR codeline, and (c) comparing the printed MICR codeline of step (a) and the imaged MICR codeline of step (b) to determine if the printed MICR codeline and the imaged MICR codeline match.

Claims

1. A computer-implemented method of processing a paper substitute check which has a first magnetic ink character recognition (MICR) codeline which is printed on a first portion of the paper substitute check and a second MICR codeline which is printed on a second portion of the paper substitute check and which second portion is different from the first portion of the paper substitute check, the computer-implemented method comprising:

(a) electronically on an image capture device capturing an image of the paper substitute check;

(b) reading from the paper substitute check the first MICR codeline which is printed on the first portion of the paper substitute check;

(c) reading from the captured image of the paper substitute check the second MICR codeline which is printed on the second portion of the paper substitute check; and

(d) electronically on a microcomputer comparing the first MICR codeline read in step (b) and the second MICR codeline read in step (c) to determine if the first MICR codeline which is printed on the first portion of the paper substitute check and the second MICR codeline which is printed on the second portion of the paper substitute check match.

2. A computer-implemented method according to claim 1, wherein the comparison of step (d) is performed electronically on a microcomputer using fuzzy matching logic.

3. A computer-implemented method of processing a paper substitute check which has a first magnetic ink character recognition (MICR) codeline which is printed on a first portion of the paper substitute check and a second MICR codeline which is printed on a second portion of the paper substitute check and which second portion is different from the first portion of the paper substitute check, the computer-implemented method comprising:

(a) electronically on an image capture device capturing an image of the paper substitute check;

(b) reading from the paper substitute check the first MICR codeline which is printed on the first portion of the paper substitute check;

(c) reading from the captured image of the paper substitute check the second MICR codeline which is printed on the second portion of the paper substitute check;

(d) electronically on a microcomputer comparing the first MICR codeline read in step (b) and the second MICR codeline read in step (c);

(e) electronically on a microcomputer determining if the first MICR codeline which is printed on the first portion of the paper substitute check and the second MICR codeline which is printed on the second portion of the paper substitute check are acceptable based upon the comparison of step (d).

4. A computer-implemented method according to claim 3, wherein the determination of step (e) is affirmative when all characters contained in the first MICR codeline read in step (b) and all characters contained in the second MICR codeline read in step (c) match, except for an extra character contained at the beginning of the character string of the first MICR codeline read in step (b).

5. A computer-implemented method according to claim 3, wherein the comparison of step (e) is performed electronically on a microcomputer using fuzzy matching logic.

6. An apparatus comprising:

an image capture device in hardware form for capturing an image of a paper substitute check which has been made from an original paper check;

a first reader for reading from the paper substitute check a first magnetic ink character recognition (MICR) codeline which is printed on a first portion of the paper substitute check;

a second reader for reading from the captured image of the paper substitute check a second MICR codeline which is printed on a second portion of the paper substitute check and which second portion is different from the first portion of the paper substitute check; and

a microcomputer including a comparator for comparing the first MICR codeline and the second MICR codeline to determine if the first MICR codeline and the second MICR codeline match.

7. An apparatus according to claim 6, wherein the first reader includes a MICR reader in hardware form, and (ii) the second reader includes an optical character recognition (OCR) reader in hardware form.

8. An apparatus according to claim 6, wherein the first reader includes a MICR reader in hardware form, and (ii) the second reader includes an optical character recognition (OCR) reader in software form.

9. An apparatus according to claim 6, wherein the first reader includes a MICR reader in software form, and (ii) the second reader includes an optical character recognition (OCR) reader in hardware form.

10. An apparatus according to claim 6, wherein the first reader includes a MICR reader in software form, and (ii) the second reader includes an optical character recognition (OCR) reader in software form.

11. An apparatus according to claim 6, wherein the comparator includes fuzzy match logic.