Method and system for retaining MICR code format

• US 7,447,347 B2
• Filed: 02/17/2005
• Issued: 11/04/2008
• Est. Priority Date: 02/17/2005
• Status: Active Grant

• Current Assignee: Fidelity Information Services, LLC (Fidelity National Information Services Incorporated)
• Original Assignee: VECTORsgi, Inc. (Fidelity National Information Services Incorporated)
• Inventors: Weber, Christopher S.
• Primary Examiner(s): Johns; Andrew W
• Application Number:
  US11/060,655
• Publication Number:
  US 20060182332A1
• Time in Patent Office: 1,356 Days
• Field of Search: 382/137, 382/139, 382/140, 382/305, 382/306, 382/318, 382/320
• US Class Current: 382/139
• CPC Class Codes: G06V 30/2253 Recognition of characters printed with magnetic ink G06V30/2247 takes precedence

Abstract

An image capture system for retaining Magnetic Ink Character Recognition (MICR) code format comprises a camera operable to generate an electronic check image of a physical check, with the electronic check image operable to generate an image replacement document. The image capture system further comprises a scanner operable to identify MICR code data from the physical check and one or more processors. The one or more processors are operable to embed the identified MICR code data in the electronic check image, with the embedded MICR code data in the original format.

Claims

1. A method for retaining Magnetic Ink Character Recognition (MICR) code format in an electronic check image comprising:

identifying MICR code data from a physical check;

generating an electronic check image of the physical check, the electronic check image operable to generate an image replacement document; and

embedding the identified MICR code data in the electronic check image, the embedded MICR code data in the original format.

2. The method of claim 1, further comprising archiving the electronic check image into an archive file, the archive file comprising a header, a front image in black/white, a front image in grayscale, a back image in black/white, and a back image in grayscale.

3. The method of claim 2, further comprising compressing the archive file using an unsigned packed technique.

4. The method of claim 1, the identified MICR code comprising a plurality of fields and at least two of the fields separated by a dash.

5. The method of claim 1, the electronic check image comprising a Tag Image File Format (TIFF).

6. The method of claim 1, further comprising embedding truncated MICR code data in the electronic check image, the truncated MICR code data comprising a representation of the identified MICR code data.

7. Software for retaining Magnetic Ink Character Recognition (MICR) code format in an electronic check image, the software comprising computer executable instructions embodied on computer-readable storage media and operable to:

identify MICR code data from a physical check;

generate an electronic check image of the physical check, the electronic check image operable to generate an image replacement document; and

embed the identified MICR code data in the electronic check image, the embedded MICR code data in the original format.

8. The software of claim 7, further operable to archive the electronic check image into an archive file, the archive file comprising a header, a front image in black/white, a front image in grayscale, a back image in black/white, and a back image in grayscale.

9. The software of claim 8, further operable to compress the archive file using an unsigned packed technique.

10. The software of claim 7, the identified MICR code comprising a plurality of fields and at least two of the fields separated by a dash.

11. The software of claim 7, the electronic check image comprising a Tag Image File Format (TIFF) file.

12. The software of claim 11, wherein the software operable to embed the identified MICR code data in the electronic check image comprises the software operable to embed the identified MICR code data in a TIFF “

DocumentName”

field of the TIFF file.

13. The software of claim 7, further operable to communicate the electronic check image to a recipient, the recipient operable to generate the image replacement document with the identified MICR code using the electronic check image and the embedded identified MICR code data.

14. The software of claim 7, the software communicably coupled with a softer control application.

15. The software of claim 7, the software further operable to embed truncated MICR code data in the electronic check image, the truncated MICR code data comprising a representation of the identified MICR code data.

19. The system of claim 15, the identified MICR code comprising a plurality of fields and at least two of the fields separated by a dash.

20. The system of claim 15, the electronic check image comprising a Tag Image File Format (TIFF).

21. The system of claim 15, the one or more processors further operable to embed truncated MICR code data in the electronic check image, the truncated MICR code data comprising a representation of the identified MICR code data.

16. An image capture system for retaining Magnetic Ink Character Recognition (MICR) code format in an electronic check image comprising:

a camera operable to generate an electronic check image of a physical check, the electronic check image operable to generate an image replacement document;

a scanner operable to identify MICR code data from the physical check; and

one or more processors operable to embed the identified MICR code data in the electronic check image, the embedded MICR code data in the original format.

17. The system of claim 16, the one or more processors further operable to archive the electronic check image into an archive file, the archive file comprising a header, a front image in black/white, a front image in grayscale, a back image in black/white, and a back image in grayscale.

18. The system of claim 17, the one or more processors further operable to compress the archive file using an unsigned packed technique.

22. A method for retaining Magnetic Ink Character Recognition (MICR) code format comprising:

identifying MICR code data from a physical check, the identified MICR code comprising a plurality of fields and at least two of the fields separated by a dash and two of the fields separated by spaces;

generating an electronic check image of the physical check, the electronic check image operable to generate an image replacement document;

embedding the identified MICR code data in the electronic check image, the embedded MICR code data including the plurality of fields and dash; and

archiving the electronic check image into an archive file.