Financial document item processing system and method of operating a financial document item processing system to encode/endorse a financial document item having a radio frequency identification tag

• US 7,792,754 B2
• Filed: 10/22/2003
• Issued: 09/07/2010
• Est. Priority Date: 10/22/2003
• Status: Active Grant

• Current Assignee: NCR Voyix Corporation
• Original Assignee: NCR Corporation
• Inventors: Woodward, Sean, O'Brien, Sean K., Schott, Susan H.
• Primary Examiner(s): Felten; Daniel S
• Application Number:
  US10/691,229
• Publication Number:
  US 20050091162A1
• Time in Patent Office: 2,512 Days
• Field of Search: 705/45, 705/42, 705/43, 705/44, 705/16, 235/379, 235/380, 235/381
• US Class Current: 705/45
• CPC Class Codes: G06K 13/00 Conveying record carriers from one station to another, e.g. from stack to punching mechanism conveying record carriers combined with another operation, e.g. with reading G06K17/00
• 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: G06Q 20/042 characterized in that the payment protocol involves at least one cheque
• CPC Class Codes: G06Q 20/102 Bill distribution or payments
• CPC Class Codes: G06Q 20/108 Remote banking, e.g. home banking
• CPC Class Codes: G06Q 20/1085 involving automatic teller machines [ATMs]
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists

Abstract

A financial document item processing system processes checks transported from an upstream end of a check transport path to a downstream end of the check transport path. Endorsement data is transmitted to an RFID tag of a check transported along the check transport path from the upstream end to the downstream end. Alternatively, encoded data is transmitted to an RFID tag of a check transported along the check transport path from the upstream end to the downstream end. In some financial document item processing applications, both endorsement data and encoded data are transmitted to an RFID tag of a check transported along the check transport path from the upstream end to the downstream end.

Claims

1. A financial document item processing system for processing a check having a radio frequency identification (RFID) tag associated therewith, the system comprising:

a check transport path along which the check can be transported from an upstream end of the check transport path to a downstream end of the check transport path;

an RFID tag endorser disposed along the check transport path and for wirelessly transmitting check endorsement data to the RFID tag of the check transported along the check transport path from the upstream end to the downstream end; and

an RFID tag encoder for wirelessly transmitting magnetic ink character recognition (MICR) encoded data to the RFID tag of the check transported along the check transport path from the upstream end to the downstream end.

2. A financial document item processing system for processing a check having a radio frequency identification (RFID) tag associated therewith, the system comprising:

a check transport path along which the check can be transported from an upstream end of the check transport path to a downstream end of the check transport path; and

an RFID tag encoder disposed along the check transport path and for wirelessly transmitting magnetic ink character recognition (MICR) encoded data to the RFID tag of the check transported along the check transport path from the upstream end to the downstream end.

3. A method of operating a financial document item processing system for processing a check having a radio frequency identification (RFID) tag associated therewith, the method comprising:

wirelessly transmitting check endorsement data to the RFID tag of the check transported along a check transport path of the item processing system from an upstream end of the check transport path to a downstream end of the check transport path; and

wirelessly transmitting magnetic ink character recognition (MICR) encoded data to the RFID tag of the check transported along the check transport path from the upstream end to the downstream end.

4. A method of operating a financial document item processing system for processing a check having a radio frequency identification (RFID) tag associated therewith, the method comprising:

wirelessly transmitting magnetic ink character recognition (MICR) encoded data to the RFID tag of the check transported along a check transport path of the item processing system from an upstream end of the check transport path to a downstream end of the check transport path.