Double conversion cheque-clearing process and system
First Claim
Patent Images
1. A cheque clearing process comprising the steps of:
- receiving, in a computer system, first payment information based on digital ink generated by an optically imaging pen, said digital ink identifying a unique cheque identity and representing handwritten information entered on said cheque by said pen;
receiving, in said computer system, second payment information based on independently reading at least visible information on said cheque; and
comparing at least part of the first payment information with at least part of the second payment information.
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Abstract
A cheque clearing process includes the steps of: receiving, in a computer system, first payment information based on digital ink generated by an optically imaging pen, the digital ink identifying a unique cheque identity and representing handwritten information entered on the cheque by the pen; receiving, in the computer system, second payment information based on independently reading visible information on the cheque; and comparing the first payment information with the second payment information.
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Citations
19 Claims
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1. A cheque clearing process comprising the steps of:
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receiving, in a computer system, first payment information based on digital ink generated by an optically imaging pen, said digital ink identifying a unique cheque identity and representing handwritten information entered on said cheque by said pen; receiving, in said computer system, second payment information based on independently reading at least visible information on said cheque; and comparing at least part of the first payment information with at least part of the second payment information. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16)
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17. A computer system for clearing cheques, said computer system being configured for:
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receiving first payment information based on digital ink generated by an optically imaging pen, said digital ink identifying a unique cheque identity and representing handwritten information entered on said cheque by said pen; receiving second payment information based on reading visible information on said cheque; and comparing at least part of the first payment information with at least part of the second payment information.
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18. A system for writing a cheque which enables detection of fraudulent handling of said cheque during a clearing process, said system comprising:
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a cheque printed with a position-coding pattern, said position-coding pattern encoding a plurality of locations on said cheque and identifying a unique cheque identity; an optically imaging pen comprising; a marking nib for entering handwritten information on said cheque writing; an image sensor for imaging the position-coding pattern during entering of said handwritten information; a processor for generating digital ink using the imaged position-coding pattern, said digital ink representing the handwritten information and the unique cheque identity; and means for communicating the digital ink to a computer system, thereby enabling the computer system to generate first payment information based on the digital ink and compare said first payment information with second payment information during the clearing process, said second payment information being based on independently reading at least visible information on said cheque. - View Dependent Claims (19)
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Specification