Digitized bank checks validated by digital signatures

• US 7,720,313 B2
• Filed: 12/16/2005
• Issued: 05/18/2010
• Est. Priority Date: 12/16/2005
• Status: Active Grant

• Current Assignee: NCR Corporation
• Original Assignee: NCR Corporation
• Inventors: Schwartz, David G., Franklin, Gene R.
• Primary Examiner(s): Le; Vu
• Assistant Examiner(s): Allison; Andrae S
• Application Number:
  US11/305,752
• Publication Number:
  US 20070140594A1
• Time in Patent Office: 1,614 Days
• Field of Search: 382135-140, 382/276, 235/380, 235/382.5, 235/375, 235/379, 235/381, 235/383, 235/472.01, 235/382, 705/33, 705/42, 705/45
• US Class Current: 382/305
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/042 characterized in that the payment protocol involves at least one cheque
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03
• CPC Class Codes: H04N 1/32101 Display, printing, storage or transmission of additional information, e.g. ID code, date and time or title
• CPC Class Codes: H04N 2201/3235 Checking or certification of the authentication information, e.g. by comparison with data stored independently
• CPC Class Codes: H04N 2201/3236 Details of authentication information generation
• CPC Class Codes: H04N 2201/3274 Storage or retrieval of prestored additional information

Abstract

A system for handling files containing digitized images, such as digitized bank checks. Four digitized image-files are obtained for each check: front and back at the beginning of a process, and front and back at the end of the process. Four digital signatures are generated, one for each image-file. The four image-files are to be consolidated into a single composite file. However, for technical reasons, the content of the image-files must be altered somewhat. Thus, if the image-files are later extracted from the composite file, the extracted files will not correspond to the original image-files, and will produce different digital signatures. The invention allows the original image-files to be accurately extracted from the composite file.

Claims

1. A method, comprising:

a) creating a digitized image of a bank check;

b) placing the digitized image into an original file CHECK-1 which

i) conforms to a published tagged image format;

ii) contains pointers which allow a file reader to locate predetermined data within the original file CHECK-1;

c) repeating steps (a) and (b) to create original files CHECK-2, CHECK-3, and CHECK-4, each corresponding to a respective bank check;

d) modifying pointers in the original files to produce modified files CHECK-1, CHECK-2, CHECK-3, and CHECK-4;

e) placing the modified files CHECK-1, CHECK-2, CHECK-3, and CHECK-4 into a composite file, wherein

i) the modified pointers in modified files CHECK-1, CHECK-2, CHECK-3, and CHECK-4 are effective to allow a file reader to locate the respective predetermined data within the composite file; and

ii) the modified pointers are not effective to allow a file reader to locate the respective predetermined data within the original files CHECK-1, CHECK-2, CHECK-3, and CHECK-4;

f) storing recovery data which indicates differences between the modified files CHECK-1, CHECK-2, CHECK-3, and CHECK-4 and the corresponding original files; and

g) using the recovery data to recover one of said original files from the composite file and print a paper representation of a check, based on the original file recovered.

2. Method according to claim 1, in which the recovery data comprises a table which contains (A) first values for parameters contained in the original files and (B) second values, different from the first values, for corresponding parameters in the modified files.

3. Method according to claim 1, in which

A) an original digital signature is generated for each original file;

B) said original files undergo modification when combined into the composite file; and

C) the modification of an original file alters the digital signature, if taken, of that file; and

D) the recovery data allows (i) removal of the modification and (ii) attainment of the original digital signature.

4. Method according to claim 3, in which an original file, after recovery, produces the original digital signature of the original file, as existing prior to combination into the composite file.

5. Method according to claim 1, in which the recovery data is stored in a file separate from the composite file.

6. Method according to claim 1, in which i) original file CHECK-1, when processed according to a predetermined formula, produces a digest A, and ii) original file CHECK-1, as contained within the composite file, when processed according to the formula, produces a digest B, different from A.

7. Method according to claim 1, in which digital signatures are produced from original files andoriginal file CHECK-1 produces a first digital signature when processed by a predetermined algorithm, andfile CHECK-1, as contained within the composite file, produces a second digital signature when processed by the predetermined algorithm.

8. A method, comprising:

a) creating a digitized image 1 of a bank check 1;

b) placing the digitized image 1 into an original file 1 which

i) conforms to a published tagged image format;

ii) contains data 1 which describes technical properties of digitized image 1; and

iii) contains one or more original first pointers which

A) indicate addresses within the original file 1 at which data 1 are located and

B) allow a file reader to locate the data 1 within the original file 1;

c) creating a digitized image 2 of a bank check 2;

d) placing the digitized image 2 into an original file 2 which

i) conforms to a published tagged image format;

ii) contains data 2 which describes technical properties of digitized image 2; and

iii) contains one or more original second pointers which

A) indicate addresses within the original file 2 at which data 2 are located and

B) allow a file reader to locate the data 2 within the original file 2;

d) modifying the original first pointers in the original file 1 into modified first pointers, to thereby produce a modified file 1 which contains modified first pointers;

e) modifying the original second pointers in the original file 2 into modified second pointers, to thereby produce a modified file 2 which contains the modified second pointers;

f) placing the modified file 1 and the modified file 2 into a composite file, in which composite file

i) the modified first pointers are effective to allow a file reader to locate data 1 within composite file;

ii) the modified second pointers are effective to allow a file reader to locate data 2 within the composite file;

iii) the modified first pointers are not effective to allow a file reader to locate data 1 within original file 1; and

iv) the modified second pointers are not effective to allow a file reader to locate data 2 within original file 2;

g) storing the composite file and the first and second pointers;

h) extracting modified file 2 from the composite file;

i) retrieving the stored second pointers and using them to replace the modified second pointers in the modified file 2 which was extracted in paragraph (h), to thereby produce a recovered file 2; and

j) printing image 2 on paper, based on the recovered file 2.

9. Method according to claim 8, in which a digital signature of original file 1, taken by a predetermined algorithm, does not match a digital signature of modified file 1, as stored in the composite file.