U.S. patent application number 13/088068 was filed with the patent office on 2013-01-24 for ubiquitous imaging device based check image capture.
This patent application is currently assigned to Lighthouse Consulting Group, LLC. The applicant listed for this patent is Thomas E. Gazda, Stuart J. Lipoff, John R. Popadic, Robert P. Popadic. Invention is credited to Thomas E. Gazda, Stuart J. Lipoff, John R. Popadic, Robert P. Popadic.
Application Number | 20130021651 13/088068 |
Document ID | / |
Family ID | 39314584 |
Filed Date | 2013-01-24 |
United States Patent
Application |
20130021651 |
Kind Code |
A9 |
Popadic; Robert P. ; et
al. |
January 24, 2013 |
Ubiquitous Imaging Device Based Check Image Capture
Abstract
A method or corresponding apparatus for remote transmission of a
negotiable instrument. In an example embodiment, the process
provides a carrier that secures a negotiable instrument. Next, the
process creates a unique identifier, associated with the carrier,
and generates an electronic image of the negotiable instrument.
After generating the electronic image, the process transmits the
electronic image of the negotiable instrument and the unique
identifier to a remote location. The negotiable instrument may be
transmitted via a fax, a scanner, a device designed to transmit
electronic data, other image device compatible with ITU-T
recommendations T.30 or T.4, or combination thereof. The process
may also verify the negotiable instrument has a valid endorsement,
verify image quality of the electronic image to ensure compliance
with financial industry standards, or validate any received
security information.
Inventors: |
Popadic; Robert P.; (Wenham,
MA) ; Popadic; John R.; (Wenham, MA) ; Gazda;
Thomas E.; (Chelmsford, MA) ; Lipoff; Stuart J.;
(Newton, MA) |
|
Applicant: |
Name |
City |
State |
Country |
Type |
Popadic; Robert P.
Popadic; John R.
Gazda; Thomas E.
Lipoff; Stuart J. |
Wenham
Wenham
Chelmsford
Newton |
MA
MA
MA
MA |
US
US
US
US |
|
|
Assignee: |
Lighthouse Consulting Group,
LLC
|
Prior
Publication: |
|
Document Identifier |
Publication Date |
|
US 20110310442 A1 |
December 22, 2011 |
|
|
Family ID: |
39314584 |
Appl. No.: |
13/088068 |
Filed: |
April 15, 2011 |
Related U.S. Patent Documents
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Application
Number |
Filing Date |
Patent Number |
|
|
11581705 |
Oct 16, 2006 |
7950698 |
|
|
13088068 |
|
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|
|
60727533 |
Oct 17, 2005 |
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Current U.S.
Class: |
358/403 ;
283/58 |
Current CPC
Class: |
G07F 7/04 20130101; G06Q
40/00 20130101; G06Q 20/0425 20130101; G06Q 20/24 20130101; G06Q
20/10 20130101 |
Class at
Publication: |
358/403 ;
283/58 |
International
Class: |
H04N 1/04 20060101
H04N001/04; B42D 15/00 20060101 B42D015/00 |
Claims
1. A system for remote depositing of a negotiable instrument
comprising: a carrier for receiving a negotiable instrument, the
carrier having an identifier on a front and back side of the
carrier, the identifier being unique to the carrier and designed to
permit a front image and back image of the negotiable instrument to
be generated; an imaging device for separately generating and
transmitting the electronic image of the front and back of the
negotiable instrument and the unique identifier, while the
negotiable instrument is secured to the carrier; a link configured
to permit the image device to be in communication with a network
for directing the front and back electronic image to a remote
location for subsequent pairing of the front and back image of the
negotiable instrument using the unique identifier; and a receiving
unit at the remote location for receiving and storing for later
pairing separately transmitted front and back images of the
negotiable instrument and subsequently to pair the front image of
the negotiable instrument having the associated unique identifier
to a separately received corresponding back image of the negotiable
instrument having the associated unique identifier, so as to
provide a complete image of the negotiable instrument.
2. The system of claim 1 wherein the carrier further includes one
of: a transparent sealing carrier, transparent non-sealing carrier
having pockets, transparent non-sealing carrier without pockets, a
non-transparent cut-out carrier, a transparent carrier with an
inserted negotiable instrument, a single sided carrier, and two
sided carrier.
3. The system of claim 1 wherein the carrier further includes one
of: a seal to retain the negotiable instrument therewith, an
identifier to indicate the negotiable instrument is processed, or a
feature to permit alignment of the negotiable instrument in a
specified manner.
4. The system of claim 1 wherein the negotiable instrument is a
check or deposit slip.
5. The system of claim 1 wherein the image device includes one of a
fax, a scanner, a device designed to transmit electronic data,
other image devices compatible with ITU-T recommendations T.30 or
T.4, other communications protocols compatible with banking
industry standards, or combination thereof.
6. A carrier for a negotiable instrument, the carrier comprising: a
body portion designed to permit a front image and a back image of
the negotiable instrument, when the negotiable instrument is
secured thereto, to be generated; an identifier on a front side and
back side of the carrier to be imaged with the front and back of
the negotiable instrument, the identifier being unique to; an
alignment indicator that permits positioning the negotiable
instrument; and a surface, on the body portion, made from a
material that can avoid interference with transmission of an
electronic image of the front and back of the negotiable instrument
and the unique identifier, while the negotiable instrument is
secured to the carrier, and with subsequent pairing of the front
and back image of the negotiable instrument at a remote
location.
7. The carrier of claim 6 wherein the surface is capable of
providing deposit or endorsement information.
8. The carrier of claim 6 wherein the body portion includes a
second surface capable of providing deposit or endorsement
information.
9. The carrier of claim 6 wherein the body portion includes one of
a seal or pocket.
10. The carrier of claim 6 wherein the surface is transparent.
11. The carrier of claim 6 wherein the surface includes one of: a
pattern, half tone markings, a sequence number, a bar code, a
cryptography bar code, or an invisible marking.
12. The carrier of claim 6 wherein the body portion allows the
negotiable instrument to be stored in a permanent manner.
13. The carrier of claim 6 wherein the surface of the body portion
is further designed to permit a marking to be provided on the
negotiable instrument to prevent re-processing of the negotiable
instrument.
14. The carrier of claim 6 wherein the alignment indicator is a
registration mark or an adhesive strip.
15. A system for remote depositing of a negotiable instrument
comprising: a carrier for receiving a negotiable instrument and
designed to permit a front and back image of the negotiable
instrument, when the negotiable instrument is secured to the
carrier, to be generated, the carrier having an identifier unique
to the carrier and associated therewith, and a surface area for
providing deposit information; an imaging device for separately
generating and transmitting the electronic image of the front and
back of the negotiable instrument and the unique identifier, while
the negotiable instrument is secured to the carrier; a link
configured to permit the image device to be in communication with a
network for directing the front and back electronic image to a
remote location for subsequent pairing of the front and back image
of the negotiable instrument using the unique identifier; and a
receiving unit at the remote location for receiving and storing for
later pairing separately transmitted front and back images of the
negotiable instrument and subsequently to pair the front image of
the negotiable instrument having the associated unique identifier
to a separately received corresponding back image of the negotiable
instrument having the associated unique identifier, so as to
provide a complete image of the negotiable instrument.
16. The system of claim 15 wherein the carrier further includes one
of: a transparent sealing carrier, transparent non-sealing carrier
having pockets, transparent non-sealing carrier without pockets, a
non-transparent cut-out carrier, a transparent carrier with an
inserted negotiable instrument, a single sided carrier, and two
sided carrier.
17. The system of claim 15 wherein the carrier further includes one
of: a seal to retain the negotiable instrument therewith, an
identifier to indicate the negotiable instrument is processed, or a
feature to permit alignment of the negotiable instrument in a
specified manner.
18. The system of claim 15 wherein the negotiable instrument is a
check or deposit slip.
19. The system of claim 15 wherein the image device includes one of
a fax, a scanner, a device designed to transmit electronic data,
other image devices compatible with ITU-T recommendations T.30 or
T.4, other communications protocols compatible with banking
industry standards, or combination thereof.
20. A carrier for a negotiable instrument, the carrier comprising:
a surface to which a negotiable instrument can be attached and made
from a material that permits a front image and a back image of the
negotiable instrument, when the negotiable instrument is secured to
the surface, to be generated for subsequent pairing of the front
and back image using the unique identifier; an identifier unique to
the surface and associated therewith; an adhesive strip that
permits positioning and securing the negotiable instrument; a
preprinted area on the surface onto which deposit information can
be entered and which can be imaged with the negotiable instrument;
and a constraint box in the preprinted area where deposit
information can be entered, to improve the readability of hand
printed information.
21. The carrier of claim 20 wherein the surface includes one of: a
pattern, half tone markings, a sequence number, a bar code, a
cryptography bar code, or an invisible marking.
22. The carrier of claim 20 wherein the body portion allows the
negotiable instrument to be stored in a permanent manner.
23. The carrier of claim 20 wherein the surface on the body portion
is further designed to permit a marking to be provided on the
negotiable instrument to prevent re-processing of the negotiable
instrument.
24. A carrier for a negotiable instrument and an associated deposit
ticket, the carrier and associated deposit ticket comprising: a
body portion of the carrier designed to permit a front image and a
back image of the negotiable instrument and associated deposit
ticket, when the negotiable instrument and associated deposit
ticket are secured thereto, to be generated; an identifier on a
front side and back side of the associated deposit ticket to be
imaged with the front and back respectively of the negotiable
instrument, the identifier being unique to the associated deposit
ticket: and a surface, on the body portion of the carrier, made
from a material that can avoid interference with transmission of an
electronic image of the front and back of the negotiable instrument
and the associated deposit ticket including the unique identifier,
while the negotiable instrument is secured to the carrier, and with
subsequent pairing of the front and back image of the negotiable
instrument at a remote location.
25. The carrier of claim 24 wherein the body portion includes one
of a seal or pocket.
26. The carrier of claim 24 wherein the wherein the surface is
transparent.
27. The carrier of claim 24 wherein the surface includes one of: a
pattern, half tone markings, a sequence number, a bar code, a
cryptography bar code, or an invisible marking.
28. The carrier of claim 24 wherein the body portion allows the
negotiable instrument to be stored in a permanent manner.
29. The carrier of claim 24 wherein the surface of the body portion
is further designed to permit a marking to be provided on the
negotiable instrument to prevent re-processing of the negotiable
instrument.
Description
RELATED APPLICATIONS
[0001] This application is a continuation of U.S. patent
application Ser. No. 11/581,705, filed Oct. 16, 2006, which claims
the benefit of and priority to U.S. Provisional Patent Application
No. 60/727,535, filed on Oct. 17, 2005. U.S. patent application
Ser. Nos. 11/581,705 and 60/727,535 are hereby incorporated by
reference.
BACKGROUND OF THE INVENTION
[0002] Banks today offer systems having remote check image capture
from a business site using a dedicated check scanner attached to a
computer. The advantages of this system to the customer include the
convenience and cost savings of not having to go to the bank, the
capability of making multiple deposits during a day, and placing
checks into a collection stream after branch hours. In addition,
customers also have cost savings and increased funds availability,
which, in turn, results in either increased earnings or reduced
borrowing costs.
[0003] Remote check image capture provides many benefits to the
banking industry such as increased customer convenience, enhances
bank revenue, improves customer retention, and reduces the cost
associated with replacing customers. Further, remote check image
capture may also increase an effective footprint of a bank branch
(e.g., successfully serve customers at a greater distance from the
branch). For example, new customers may be attracted even though
they are far from the branch because the new customers can use
remote check image capture. The added benefit of remote check image
capture makes it easier to add new customers thus, the close rate
of customer acquisition increases and the cost decreases. This
technique is useful for banks with a limited sales force because it
is cheaper, and requires no additional resources.
[0004] FIG. 1 is a block diagram of an existing remote check image
capture system 100. Here the remote check image capture uses a
dedicated check scanner 105 attached to a computer 110. Images,
based on a scanned item(s) (not shown), and associated data are
sent to a bank, via a data connection 115, or service bureau. Next,
the system 100 receives the images 120. After the bank receives the
images, image quality is assessed, security tests are performed,
and the deposit is proved 125 (total deposit amount matches sum of
check amounts, which can be read in various ways). If the bank
offers image statements, "on us" items are processed as images
after appropriate format conversion in Account Statement
preparation 130, resulting in a statement 135. Similarly, if the
bank chooses to send images 145 to check clearing 140 then no extra
processing is required as long as the file format for images and
data conform to industry standards. On the other hand, if the bank
is returning checks to customers or the receiving bank does not
accept the check images, a substitute check 150 must be created.
The industry expectation is that over time all banks will both send
and receive images.
[0005] Currently banks lack a way to offer low volume users (e.g.,
individuals or small businesses) of deposit transactions, a low
cost way to use remote check image capture. Therefore, there is a
need to use ubiquitous imaging devices (e.g. FAX machines, flat bed
scanners) for check image capture. If ubiquitous imaging devices
are used, banks and customers would get the same types of benefits
as with higher cost check scanners, described in FIG. 1 without the
costs associated with having a dedicated check scanner. This
invention addresses this need by providing a system that is based
on variable rather than fixed cost.
[0006] Moreover, the cost of substitute checks affects the
economics of remote check image capture. Experience suggests that
the added cost of producing a substitute check has only limited
impact on customers who deposit only a few high value checks at a
time. This type of customer is also an ideal candidate for using
their existing FAX machine, flat bed scanner, or other ubiquitous
imaging device to remote capture check images and make
deposits.
BRIEF SUMMARY OF THE INVENTION
[0007] One method or corresponding apparatus of the present
invention uses ubiquitous imaging devices (e.g. FAX machines or
flat bed scanners attached to a computer) capable of reading a
check carrier to capture and transmit check images to a bank. Next,
preprocessing of the images is preformed to conform with the bank's
existing image receiving capability. The image preprocessing takes
place at a local or remote part of the network.
[0008] A benefit of image capture using ubiquitous imaging devices
is that a bank's market expands to individual and business
customers having only a few checks to deposit and those with larger
volumes of checks who are not willing to pay for a dedicated check
scanning device. That is, the technology of remote check capture
image may be used without having to make an investment in new
equipment.
BRIEF DESCRIPTION OF THE DRAWINGS
[0009] The following drawings are illustrative of embodiments of
the invention and are not intended to limit the invention as
encompassed by the claims forming part of the application.
[0010] FIG. 1 is a block diagram of an existing remote check image
capture process;
[0011] FIG. 2 is a block diagram of a remote check image capture
process having an image device;
[0012] FIG. 3 depicts a carrier in an exemplary embodiment;
[0013] FIG. 4 depicts the front and back layout of a two-sided
carrier;
[0014] FIG. 5 depicts a transparent non-sealing carrier capable of
storing negotiable instruments;
[0015] FIG. 6 depicts a cut out carrier with a two sided scan;
[0016] FIG. 7 depicts a single sided carrier;
[0017] FIG. 8 depicts a carrier having deposit information; and
[0018] FIG. 9 shows an example process for transmitting a
negotiable instrument to a remote location.
DETAILED DESCRIPTION OF THE INVENTION
[0019] One embodiment of the present invention relates to a system
200 that captures check images using an existing fax machine 205, a
computer with a flat bed scanner 210, or other ubiquitous imaging
device (not shown). A carrier stores negotiable instruments 220
(e.g., a check or deposit slip) for transmission. Next, the system
200 sends the image and data over a communication line 225 via the
fax machine 205. The fax machine 205 is compatible with group 3 fax
devices implementing ITU-T Recommendations T.30 and T.4. Likewise,
if the scanner 210 is used, the system 200 sends data over a
communication line compatible with banking industry standards.
[0020] Each image device has different standards. In particular,
images and related data conform to ANSI X9.100-180 standards
(formerly X9.37), the requirements of the Federal Reserve, clearing
houses, and image exchanges. Once the image is received and a
deposit is proved 240, existing systems check images and data in
the correct formats for the bank's account statements and check
clearing. Alternatively, the system 200 generates a paper
substitute check conforming to ANSI 9.100-140 and Federal Reserve
Standards. It is useful to note when banks produce an account
statement 255 (in Account Statement Prep 245) for their customers,
they may use a different format than that used for image clearing
with other banks Account statements 255 predate the exchange of
images between banks Therefore, existing remote capture providers
(such as NetDeposit, Creative Payment Solutions, Metavante) accept
data from PCs and images captured by special purpose two sided
scanners (Digital Check, Panini, Unisys).
[0021] The process delivers the functional equivalent of what users
and existing system providers get from special purpose check
scanners attached to a computer. This is achieved through the
combination of carrier 215, imaging devices 205 and 210,
communication links 225, and image pre processing 230 done before
the images and data are handed over to the banks existing image
receiving system 235. Alternatively the preprocessing functions are
added to the receiving system's 235 existing software and the
images received there instead of at a separate preprocessing
device. It is also possible to have the image receiving system 235
feed a separate system to complete the deposit proving 240 and
submit images for a statement 255 and check clearing 250.
[0022] In some instances a substitute check is needed 265. At this
point, checks have been endorsed and marked processed, the account
holder has been identified, front and back images have been
combined, image quality confirmed, images and data converted to the
format required for further processing, any necessary
communications with the depositor conducted, and a delivery receipt
issued to the depositor via fax, e-mail, or other means.
Optionally, image enhancement has been applied using a fax test
pattern included on the carrier, and/or using hints from data
entered prior to fax transmission to improve machine readability of
courtesy and legal amount.
[0023] Components of an example system are described below.
Carriers
[0024] One system component is a Carrier. The user prepares a
deposit in much the same way as a deposit to be made at a bank
branch. Checks are assembled and endorsed on the back (or on the
front of the carrier in one variation), and the deposit ticket
prepared (or the check amounts and totals entered on a deposit
ticket incorporated into the carrier). Checks and deposit ticket
are inserted into or attached to a carrier. Carriers may also be
suitable for two-sided scans including: a) a transparent sealing
carrier; b) a transparent non-sealing carrier, with or without
pockets; and c) a non-transparent cut-out carrier. Single sided
scans are possible if a user's bank permits the system to apply to
the back side image either: 1) a standard endorsement; or 2) a copy
of an endorsement made on the front of the carrier containing the
check.
[0025] FIG. 3, depicts a carrier in an exemplary embodiment. The
carrier contains a deposit ticket 305 and check A 310 and check B
315 enclosed. Later sections describe examples that may be included
into a carrier as well as different types of carriers.
Fax Machines, Flat Bed Scanners, Etc.
[0026] Another system component is a scanning device used for a
variety of commercial and personal purposes (e.g., not a special
purpose check scanning devices). Such devices could include a Fax
machine; a computer with a scanner, such as flat bed scanners, or
other imaging device. Many computers have the ability to send
faxes, as well as use other communications protocols (e.g. files
attached to e-mails or the Internet). Fax machines may have a
handset and numeric keyboard allowing the transmission of numeric
data before the start of a fax transmission.
[0027] In order to serve the largest possible depositor base, an
embodiment of this invention does not require any modification to
these scanning devices. However, one may choose to test the image
quality, as well as the capabilities and condition of an individual
device before allowing a customer to submit deposits.
Communications Network
[0028] Yet another system component is a communications network.
The communication network can be a dial-up phone network (generally
used for faxes), or other protocol acceptable to image receiving
and a pre processing module (e.g., 230 of FIG. 2), which might
include e-mail or the Internet.
[0029] For Fax transmissions, whether originated by a Fax machine
or by a computer employing the Fax protocol, a telephone connection
is established with a receiving party. A sending device is
identified in a number of ways. If the depositor calls an 800
number, the calling number is always available, since caller ID on
800 number calls cannot be blocked. Fax machines provide for user
entry of identifying information, such as name and calling phone
number, which is included in the Fax. This information can be used
by the image receiving system to authenticate the depositor's
sending device.
Image Receiving and Preprocessing Unit
[0030] Still yet another system component is an image receiving and
preprocessing unit. Alternatively, this functionality may be
incorporated into a bank's existing image receiving unit.
Nonetheless, the image preprocessing unit receives the fax and data
transmission, identifies the depositor, combines the fronts and
backs of checks, assesses image quality, optionally enhances image
quality, reads key data off the images using an OCR, optionally
enhances the reading with "hinting algorithms", communicates with
the depositor, reformats images and data to make them acceptable to
the bank's existing remote image capture system, and facilitates
the exchange of communication between the depositor and the
system.
Carrier Features
[0031] Carriers are a unique assemblage of materials, for the most
part commercially available and may include the following features.
These features provide the following benefits: a) ensure the proper
positioning on the carrier of checks and deposit tickets; b)
facilitate matching fronts and backs of carriers; c) provide
assurance that the deposit is coming from the accountholder, not
someone else; d) prevent a check being deposited more than once
either by remote capture or at a branch of any bank; and e) improve
image readability. Not all features discussed in this application
will necessarily be used in every embodiment of the invention.
Instead a user (e.g., banks/financial institutions and carrier
suppliers) may select a certain feature or features.
Registration, Adhesive, and Pockets
[0032] FIG. 4 depicts the front and back layout of a two-sided
carrier used for storing a negotiable instrument. More
specifically, to insure a deposit ticket or check is in the
appropriate position on a carrier 400 a variety of techniques can
be used. For example, printed registration marks 450 may be used to
help the user position the negotiable instrument. Another way to
align a negotiable instrument in the carrier is to align the corner
and horizontal line to minimize scanning skew, and ensure that
"processed" markings 405 are outside the area on the negotiable
instrument generally used for payee, legal amount, and courtesy
amount. Registration marks may be used to align either the top or
bottom of the check. Positioning can be maintained with a variety
of standard commercial methods such as: permanent and reposition
able adhesives, pockets and static cling.
Retention
[0033] Redeposit of checks previously submitted by remote image
capture is a concern of the banks, even though depositors are
responsible for preventing redeposit. Items deposited a second time
through the same remote capture system are fairly easily detected
by comparing the check data (routing, account number, check number,
and amount) to checks previously deposited. To minimize the risk of
redeposit, particularly at branches and at other banks, the check
can be either partly or entirely sealed in a carrier 400, or
attached with adhesive to the carrier in such manner that it cannot
be removed without damage to the face of the check (not shown).
Sealing in Plastic
[0034] In one embodiment of the carrier 400 a check is permanently
retained. In this case, the carrier 400 may consist of a clear
front self adhesive sheet paired with a matching clear rear sheet.
After aligning the deposit ticket and checks with registration
marks on the inside of the rear sheet, the user closes the carrier,
rubs designated areas of the carrier creating a permanent seal; and
transfers to the check either a visible or invisible until pressed
"processed" marking 405.
[0035] Sealing of the carrier may be accomplished in a number of
ways. For instance, the inside of one sheet may be coated with a
tacky adhesive with a high affinity for paper so that any attempt
at removing the check would result in obvious damage. The adhesive
may be applied over the entire area that would contact a check, or
may be applied in one of a variety of patterns that would overlap
the face of the check. Alternatively, the adhesive need not
necessarily provide a full bond of the two parts of the carrier as
long as it strongly adheres to the face of the check in whole, or
in a pattern over the face.
[0036] Optionally, the sheets can be designed in such a way that a
cryptographically or otherwise generated number or bar code would
not be visible until the two front and back sheets are mated
together in permanent seal with the check trapped in-between the
front and back sheet. This may be accomplished with chemical
treatment of the front and back sheets to hide the image of the
number or bar code until the two sheets mate.
[0037] Other techniques, such as optical interference pattern, also
permit hiding the verification code until the checks have been
encapsulated in the carrier. The image receiving system, by
checking the transmitted image for the presence of the number or
bar code, determines a carrier has been sealed thus preventing its
reuse and undamaged removal of the check and thus redeposit.
Attachment with Permanent Adhesive
[0038] In non-sealing carriers, negotiable instruments such as
checks can be attached to the carrier using any of a number of
methods, such as a self adhesive glue strip pre-applied to the
carrier. The use of a permanent adhesive may reduce the likelihood
of redeposit because the check could not be removed without some
damage. In the case of the cut out carrier, damage would be
restricted to a small part of the top edge and left side of the
check.
Sequence Number and/or Bar Code
[0039] Referring now back to FIG. 4, the carrier 400 has a place
for either entering deposit data or for inserting a prepared
deposit ticket, and places for checks to be inserted so that
relevant information is together. The carriers have a unique
security/sequence number on both the front 410 and back 420, which
facilitates pairing front 410 and back 420 images transmitted
separately and detecting checks deposited more than once. To
facilitate machine processing of the security/sequence numbers, the
carrier could have the sequence numbers and/or bar codes 415
pre-printed in such a manner as to be easily read by an image
processing system at the receiving bank. In this way, even if the
front and back of the check are sent as separate fax transmissions
at different times, it would still be possible to match up the
correct front and back of a particular check.
[0040] An optional way to implement sequence numbers and bar codes
on transparent carriers is to pre-print this information on both
sides of the deposit ticket. One advantage of this approach is that
a standard carrier, without any customized information, is used,
thus reducing costs. Even though one may choose to reuse the
carrier, the preprocessing/receiving unit could detect the reuse by
comparing the sequence number to ones already used and, in turn,
reject the deposit.
[0041] In another embodiment, the numbers and bar codes are printed
on one side of a two sided carrier and provide the ability to match
front and back. This is so since numbers and bar codes print direct
(without a solid background color underneath the printing) on a
transparent carrier and are read through the other side of the
carrier. It is useful to note that there may be some image
degradation because reading is done through two layers of
carrier.
[0042] In an option to enhance security, the carrier or sequence
number deposit ticket provider would keep track of which items were
related to which depositor/account. The receiving system could then
interrogate a database to determine if the carrier was valid for
use by the depositor.
[0043] Yet another security option, cryptographic techniques are
used to generate a unique number and/or bar code, whose validity is
checked by the receiving system. One embodiment is uses the
sequence number and account to generate a code. With generic
carriers (e.g., no preprinted sequence number or bar code) where
users print selected information at the time of use, the code could
also be based on the date of transmission and other variable
information, such as the amount of the check. One skilled in the
art may also use a number of so called "hash" algorithms to
cryptographically generate a number based on the input of other
data. An example of such an algorithm is the SHA-1 Secure Hash
Standard, FIPS PUB 180-1, by US government standards agency NIST
(National Institute of Standards and Technology).
Processed Marking
[0044] In another embodiment, a mark such as "Processed" is placed
on a negotiable instrument to prevent re-processing. A receiving
system would look at the image for the marking to determine that
the check has been properly marked and that the deposit should be
processed. If the processed marking is not properly applied to the
check this would be evident in the image and the deposit rejected.
Optionally, the processed marking could include a difficult to copy
unique design feature that differentiates it from other processed
markings.
[0045] Processed marking is one of a number of approaches used to
alert branch personnel and other remote capture systems to
scrutinize the item before allowing deposit. Redeposit into the
system used by the depositor's bank is prevented by comparing check
number, amount, routing and account number to checks already
deposited.
[0046] A number of methods can be used to mark the check processed.
In a sealing carrier, the "Processed" notation is incorporated into
the front of the carrier that adheres to the check. Other
techniques include, in a designated area on the check, placing the
word "Processed," or using a rubber stamp to stamp "Processed".
Positioning on the check is not assured and carrier reuse would not
necessarily be prevented, and in the latter case, a stamp would
have to be provided to all carrier users. More attractive
implementations include: 1) using pressure to transfer visible or
otherwise invisible until rubbed ink to the check from the carrier;
or 2) placing on the check a sticker/label whose removal would
damage the check.
Pressure Transferred Ink
[0047] In this embodiment, the word "Processed" is contained in
microencapsulated ink and placed in a designated and identified
area on the back side of the transparent front sheet of the
carrier. A preferred location is near a top registration guide, in
an area not likely to obscure: to whom paid, the courtesy amount,
the legal amount, or the MICR information. Text on the carrier
would indicate this area must be activated prior to transmission of
the deposit. Activation would be accomplished by rubbing the
designated area, resulting in the crushing of the microcapsules,
which are arranged to spell out "processed". This would result in
the contained ink to preferentially migrate to and penetrate the
check paper, spelling out the word "Processed."
[0048] In still yet another embodiment, a similar designated area
would contain a colored polymeric adhesive material printed in a
visible pattern where the word "Processed" selectively adheres to
the check surface. The designated area, when rubbed, would transfer
the word "Processed" to the surface of the check where it would
permanently adhere. If the check were subsequently removed from the
carrier, it is marked, but in addition, the designated area of the
carrier would now contain a reverse image of the word "Processed"
from where the material was transferred. The word "Processed"
prevents reuse of a carrier, since a fax transmission containing a
reverse or negative image of the word "Processed" is rejected.
Permanent Adhering Stickers/Labels
[0049] In another embodiment, a single sheet or cut-out carrier is
used, stickers/labels preprinted with "Processed" are provided and
are affixed by a user to a negotiable instrument in a designated
upper middle portion of the document. Such labels are made from
common label stock having a permanent adhesive. The labels and
their release liners are attached to the carrier outside of the
check area with the instruction that one be transferred to each
check.
[0050] The stock might be similar to commercially available
permanently adhering label material supplied by Avery Dennison
Corporation. Opaque materials such as or similar to: Postage Meter
Labels (Avery product 05288 or 05289), or Mailing Labels (Avery
product 5267 or 8167). More acceptable to bankers might be labels
produced on clear polymer stock with the word "Processed" imprinted
in black, because this stock would not significantly obscure any
part of the face of the check (e.g., Avery Product 5667).
[0051] An alternative to providing the preprinted labels on each
carrier, would be to provided them in sheet form in an amount
consistent with the number of checks that might be deposited using
a set number of carriers, for instance, two hundred labels for one
hundred carriers having the ability to include up to two checks
each.
Half Tone Grid
[0052] A half-tone grid used to enhance image quality may be
incorporated into transparent cover sheets. The grid performs much
the same function as the photo-mode, available on some fax
machines. The use of this grid improves the quality of continuous
tone images (i.e. images which have a gray scale and are not just
black and white) which would then be sent using conventional Group
3 (G3) fax transmission standards. This is so because G3 fax
transmission standards support monochrome high contrast (e.g. black
and white images). By use of the half-tone grid such continuous
tone original images are effectively transformed into monochrome
high contrast images suitable for fax transmission.
Test Pattern
[0053] In embodiments, a test pattern is included on the carrier
and used to improve the calibration of the OCR software reading the
image. The test pattern might include a series of printed bars
ranging from black to various shade of gray to white. By comparing
the received image to a known standard used to create the printed
bars, the receiving system determines at what gray level the
sending fax made the determination to send black or white. With
this information the image enhancing and/or image reading software
(Courtesy Amount Read and Legal Amount Read) could make a
determination when an area imaged as black or white should be the
reverse.
Carrier Variations
[0054] It is useful to note that the features described above may
be employed in a variety of carrier implementations: transparent
and opaque, sealing and non-sealing, single and double sided
scanned, and inserted and incorporated deposit ticket. Below are
some example carriers.
Transparent Sealing Two Sided Carrier
[0055] A non-reusable, self adhesive transparent, flexible,
non-glare two sided check carrier that easily follows the paper
transport path of imaging devices so equipped, assures: image
quality, deposit ticket information and checks stay together, and
that front and back images can be paired up (the front and back may
be transmitted separately).
[0056] Referring again to FIG. 4 that depicts an outside view 445
and an inside view 455 having a front and back layout of a
two-sided carrier used for storing a negotiable instrument. This
carrier 400 consists of a transparent sheet that, when folded and
closed, the two sides adhere, in one or more areas, to each other
and to the enclosed documents 425, and incorporates a sequence
number 410, bar code 430, test pattern 435, a processed legend 405
that transfers with pressure from the inside of the front cover to
the check, a place with registration marks and reposition able
adhesive for affixing the deposit ticket and check(s) 450, and a
notation to rub the checks to seal the carrier 440.
Transparent Non-Sealing Two Sided Carrier
[0057] A non-reusable, transparent, flexible, non-glare two sided
check carrier, with or without pockets, that easily follows the
paper transport path of imaging devices so equipped, assures: image
quality, deposit ticket information and checks stay together, and
that front and back images can be paired up (the front and back may
be transmitted separately).
[0058] FIG. 5 depicts a transparent Non-sealing Carrier capable of
storing negotiable instruments. More specifically, a non-sealing
carrier with two sided scan having pockets is shown. This carrier
consists of two transparent sheets sealed on up to 3 sides 500,
pockets for deposit ticket and checks, with a notation above the
pocket seam reminding depositors to align the check against the
left and top edges of the pocket 530; and incorporates a sequence
number 505, bar code 510, test pattern 520, a processed legend
transferred by pressure from the inside of the front cover to the
check 525 (e.g., a negotiable instrument), and a reminder 535 to
rub to transfer the processed legend.
Cut Out Carrier
[0059] FIG. 6 depicts a cut out carrier with a two Sided Scan. The
carrier with a fixed or adjustable cut out avoids, all or in part,
the need for a transparent carrier. This carrier is an opaque piece
of heavy paper or light card stock 600 with cutouts over which the
checks and deposit ticket would be secured 620, and incorporates a
sequence number 605, bar code 610, test pattern 615, registration
marks and adhesive for affixing the deposit ticket and check(s)
625, and a legend 630 reminding the depositor to transfer the
"Processed" sticker/label to the face of the check. A user
transfers to the check the "processed" legend by removing a sticker
from elsewhere on the carrier and placing it on the check in the
appropriate area, or place the legend on the check using one of the
other methods for so doing described earlier.
[0060] The cut out area is large enough to accommodate business
checks. Items would be position in the upper left hand corner of
the cut out secured on the carrier by a thin band of adhesive at
the top or leading edge of the cut out area. Either permanent
adhesive or reposition able adhesive, similar to the 3M Company
"Post-it" product, can be used. The top or leading edge of the item
is adhered to the carrier so that only a small portion (about 1/4
inch) of the back of the item is not visible through the cutout
area. This embodiment allows imaging of the front and back of items
without use of an overlay.
[0061] By eliminating the clear plastic overlay on top of the
check, issues such as image degradation due to reflection from the
plastic and miss feeds due to a poor match between the friction of
the plastic versus a normal paper carrier would be avoided. However
because the point of adhesion between the carrier and the check
lacks the protection the transparent carrier provides, the
likelihood the deposit ticket or check may move during scanning is
greater, particularly when using a reposition able adhesive and a
fax machine that moves the carrier through the machine. Devices
that have a flat copy glass are less likely to have this
problem.
One Sided Carrier
[0062] A one-sided carrier (transparent or opaque) for transmitting
only an image of the front of the check with either: a) the
depositor placing the endorsement on the front of the carrier and
the bank's receiving preprocessing unit applying it to a system
created blank check back image; or b) no endorsement and the bank's
receiving preprocessing unit applying the customer's standard
endorsement to a system created blank check back image.
[0063] While it may be required to send for collection images of
both the front and back of checks, the back, for other than third
party checks, will normally be blank. Thus, instead of applying the
endorsement to the back of the check and then placing the check in
a two sided carrier, it is possible to have a one-sided carrier
with space for the endorsement on the front of the carrier on the
same side as the check. In the event a third party check needs to
be deposited, the endorsement can be copied unto the single side of
the carrier, or the check can be sent through twice-first the front
and then the back. As with the double-sided carrier a number of
different implementations are possible.
[0064] FIG. 7 depicts a single sided carrier. The carrier has a
sealing transparent cover and a opaque back 700, and incorporates a
sequence number 705, bar code 710, test pattern 715, a processed
legend 720 transferred from the inside of the front cover to the
check with a notation to rub to seal carrier 725, a place with
registration marks 730 and adhesive for affixing the deposit ticket
and check, and a designated area 735 where the endorsement can be
applied.
[0065] Alternatively, the carrier may be a normal sheet of paper
with a sequence number, bar code, test pattern, places to adhere
the deposit ticket and check, and a place for the endorsement. By
elimination of a clear plastic overlay on top of the check, issues
such as image degradation due to reflection from the plastic and
miss feeds due to a poor match between the friction of the plastic
versus a normal paper carrier would be avoided. The user would
transfer to the check the processed legend by removing a sticker
from elsewhere on the carrier, and placing it on the check in the
appropriate area. A user could also place the legend on the check
using one of the other methods described earlier.
Deposit Information Written Directly on Carrier
[0066] Rather than insert or attach a preprinted deposit ticket
into the carrier, the carrier could have a white area where
standard information normally found on a deposit ticket could be
preprinted and provision made for entering the variable
information.
[0067] FIG. 8 depicts a carrier having deposit information. The
carrier has a sealing transparent cover 800, and incorporates a
sequence number 805, bar code 810, test pattern 815, a processed
legend transferred from the inside of the front cover to the check
820 and an indicator 825 to rub carrier to seal, a place with
registration marks and adhesive for affixing the deposit ticket and
check(s) 830, and an white area 835 where standard information is
preprinted on the carrier and variable information is entered.
[0068] The standard information could include account holder name
and address, bank name and address, and account number in MICR
type. The variable information is typically the date of deposit,
check amount(s), and a deposit total.
[0069] Constraint boxes, often used on deposit tickets today, can
be printed on the carrier to improve the readability of hand
printed characters. Other devices to improve machine-readability of
data include: using mark sense codes in lieu of hand writing check
amounts and deposit total, or providing depositors with a computer
program that prints out the carrier and/or deposit ticket with OCR
compatible characters or bar codes. Such a computer program would
need to be developed to match the specific carrier design to be
used. While using a computer program to print the carrier will
improve the readability of data it does add a step to the process
and requires a PC and printer. It can have the further advantage of
simplifying manufacture and distribution since generic carriers can
be used and only customized with sequence numbers and bar codes and
other data at the time of printing.
Other Carrier Variants and Uses
[0070] Carriers may also be used with devices that simultaneously
scan both sides. In such application the ability to pair carrier
fronts and backs may not be important, but other features (e.g.,
skew control) may be.
[0071] The carriers can also be produced in non-sealing variations
that are intended for reuse. These while offering a lower level of
security and a higher level of convenience could be acceptable in
some applications, or to some banks This option would not be
available in carriers where variable information is written
directly on the carrier or an endorsement is stamped.
Example Process
[0072] FIG. 9 shows an example process 900 for transmitting a
negotiable instrument to a remote location. A fax is sent by a PC
with scanner attached, the sending process is different, but the
preparation and processing of the images by the receiving system
are the same.
Prepare Deposit (Step 905)
[0073] The user prepares the deposit in much the same way as a
deposit to be made at a bank branch. Checks are assembled and
depending on the type of carrier used: endorsed on the back, not
endorsed, or the endorsement placed on the front of the carrier.
Either a deposit ticket is prepared, or check amounts and the
deposit total are written on the deposit ticket area incorporated
into the carrier.
Insert Checks (Step 910)
[0074] Checks and a deposit ticket (if used) are inserted into or
attached to the carrier.
Telephone Data Entry (Step 915)
[0075] The user, using a fax machine, calls the bank's number and
following the prompts either key enters or speaks to a voice
response unit the requested information. The information can
include some or all of the following: carrier number, side,
depositor account number, deposit total, and for each check the
amount, routing, account number, and check number. This information
will be used to enhance the reading of these numbers off the check
image. It is useful to note that this step is not required.
Fax Front (Step 920)
[0076] The carrier is placed with the front side down in the fax
machine. If telephone data entry has not been used, the user calls
the bank's number. The user starts transmission. When a PC is used
with a flat bed scanner, or similar device, the depositor follows
the instructions for preparing a fax. It may be possible to scan
both the front and backsides before sending the fax.
Fax Back (Step 925)
[0077] If necessary insert the back side of the carrier into the
fax machine and initiate a second fax transmission.
Receive Images and Data (Step 930)
[0078] An Image Receiving and a Preprocessing Unit accepts the
depositors call, logs the calling number (source ISDN); and if
telephone data entry is used, provides prompts for required data
and records that data. Receives the fax image applying the usual
fax quality tests and advises the sending machine if the
transmission is not acceptable. This test is different than later
tests performed to determine if the image is suitable for check
image processing. If the front and back of the carrier are sent in
separate transmissions the step is repeated.
Store Images/Data (Step 935)
[0079] Calling number, fax machine ID, transmitted images and data
are temporarily stored.
Prepare Data (Step 940)
[0080] The fax image is broken down based primarily on location on
the carrier into components: carrier number, test pattern, bar
code, image deposit information, image check 1 side 1, image check
2 side 1, image check 1 side 2, image check 2 side 2, endorsement
(single sided carrier), etc. The sequence number, side identifier
(if present) and/or bar code are read. If automated means cannot
identify the components or read the data--they are referred to an
operator. If the operator is unsuccessful a deposit failure message
is sent to the depositor by fax, e-mail, phone etc (Send
Communications, Step 945).
Send Communication (Step 945)
[0081] Communication with the user that is not handled directly by
the fax to fax machine protocol requires sending the message by
fax, e-mail, phone, or mail. The method chosen depends on the
nature of the message, which can be originated at a number of steps
in the process, and user preferences. Messages may be generated by
the system or by the human operator which processes exceptions.
Pair Check Fronts and Backs (Step 950)
[0082] Printed on the carrier are: carrier type, if more then one
type is allowed by system; sequence number (front and back); and
side identification (either by a side code or by different
positioning of the sequence number on front and back. This
information is used to associate the fronts and backs of two sided
carriers. Single sided carrier images/data are released for
processing as soon as the components have been identified. Two
sided carrier data is released as soon as both sides have been
received, components identified, and associated.
Assess Image Quality (Step 955)
[0083] A number of products are commercially available for
assessing check image quality; and could be licensed for inclusion
in the preprocessing unit. If the software assessment indicates a
problem, rather than return the item immediately a human operator
could view the image and make a final determination. If an image
lacks sufficient quality even after image enhancement efforts, such
as using a test pattern (as described in the carrier features
section), the depositor would be notified to refax the carrier or
take the it to the nearest branch for processing.
Identify Depositor (Step 960)
[0084] The account number is read off the deposit ticket or deposit
information area of the carrier using commercially available
software products, and optionally using "hint algorithms to improve
the quality of the read. For Fax submissions, the system compares
the calling phone number, and transmitted Fax ID and Fax phone
number with information on file for the account number on the
deposit ticket. A further confirmation test could be performed if a
database is maintained relating specific carriers to an individual
depositor/account. This could be interrogated to see if the carrier
being used had been issued to the depositor. A failure to match on
the above tests would trigger deposit rejection and/or or a call to
the depositor.
Read Images (Step 965)
[0085] At this point in the process, off the image of the carrier
the following have already been read: the carrier number; carrier
type and side designation (if present); and depositor account
number. In this step, each check image must be examined to
determine in the "Processed" notation is properly on each check. If
not the deposit is either rejected by the system or given to an
operator for a decision.
[0086] In a particular implementation, how much more must be read
depends on what the bank's image receiving unit is expecting. The
receiving unit will always want the front and back images of the
check. Some carrier types have the endorsement on the front of the
carrier, or depend on the system adding a depositor specific
endorsement to a system created image of the back of the check. If
those optional steps are necessary they are carried out at this
time. Some bank systems may expect as data fields: the MICR line of
the check, and as read off the deposit ticket and/or optionally as
entered, the amounts of individual checks and the total deposit
amount.
[0087] Other bank's image receiving units may expect more of the
processing be done for them. For example, the courtesy amount and
legal amount could be read off the check; compared to each other
and to the amount read off the deposit ticket and/or the amount
entered by telephone. They should all be the same. Any exceptions
could be processed automatically with a deposit rejection message,
or handled by an operator who communicates with the depositor.
[0088] While in many cases the check images presented by the bank
for clearing must meet image quality standards, there are some
things that can be done to facilitate successful machine courtesy
amount read (CAR), legal amount read (LAR), and deposit ticket
read; and thus reduce the need for operator intervention. Even with
a compromised fax image, "OCR hinting" algorithms can be used to
improve the success of machine proofing of the check and deposit
without any loss of security, but with much to gain by eliminating
or limiting the need for human proofing. The word "hinting" as used
in our invention has a particular meaning In the context of our
invention, we mean that when the OCR engine that examines the image
we have sent attempts to extract the data (e.g. check amount) from
the image it will have available to it the sender's interpretation
of the data. In such a case, the computational task of the OCR
engine is simpler than "blind" recognition. With "hints" provided,
the OCR engine can focus on proofing the data in the image with the
hints and render an opinion on the likelihood that the hint matches
the data in the image.
[0089] One source of "OCR hint" data might be check and deposit
information provided over the telephone just prior to or just after
the faxing of the check carrier. This telephone interaction could
be by using the DTMF (i.e. Touch-Tone) keys on the telephone or by
voice recognition. For example, the information entered by
telephone could include: the serial number of the deposit ticket or
carrier, the routing, account number, check number and amount of
each check to be deposited, and the deposit total.
Convert Format (Step 970)
[0090] Existing banks remote check image capture systems are
designed to work with specific check image capture devices. These
systems have either been developed by individual banks, or use
commercially available hardware and software. Their data/image
formats are different from those used for faxes. Therefore in order
to interface with existing processes format conversion is
necessary. If desired, provide to the depositor a receipt, subject
to proof of deposit and collection (the same condition that apply
to a branch deposit receipt).
Bank Process (Step 975)
[0091] With image quality checked, check front and backs paired,
image and data converted to the form expected by the bank's image
receiving unit, fax image deposits are processed in much the same
way as are deposits made using traditional check scanning
devices.
Forward Message (Step 980)
[0092] The preprocessing function interfaces with the banks
existing remote capture image receiving/processing system and
through it with the deposit proving (e.g., validating). There may
be a need for these units to communicate with the depositor. If
desired these can be routed through the preprocessing unit, which
forwards the message changing modes as may be required (e.g.
converting an e-mail message to a fax or an automated voice
call).
Redeposit Prevention
[0093] Redeposit is prevented in a number of ways. Items deposited
through the system a second time can be detected by comparing bank,
account number, check number and amount data for each check to
those already processed. In addition, the carrier's unique
coding/number can be used to detect duplicate deposits. As an
option, at the time of carrier distribution specific carrier
numbers can be associated with individual customers, their fax
machine and/or telephone line for added security.
[0094] The following features reduce the chance of a check being
re-deposited at a branch or at another bank.
[0095] The check is retained (attempting to remove it would damage
the check) in the carrier which has "Processed" or some similar
notation preprinted on it;
[0096] The carrier transfers a non removable (without damaging the
check) sticker with the words "Processed" or such similar notation,
and optionally the carrier's unique identifier, or
[0097] The carrier transfers via ink the words "Processed" or such
similar notation, and optionally the carrier's unique identifier to
the check.
[0098] The carrier may be so designed that from the
transmitted/received image it can be determined: 1) the carrier has
been properly sealed, thus preventing reuse; and 2) the "Processed"
sticker or ink imprint has been successfully transferred to the
check. In the case of some difficulty with the remote deposit the
customer can still bring the carrier encased check or the
"Processed" marked check to a branch for deposit.
Comparison to Traditional Remote Check Image Capture Methods
Traditional Remote Capture Device:
[0099] Traditional--Remote Check Image Scanning--requires
acquisition of a standalone device or a check scanner for use with
an existing PC. Keyboard input is possible. On screen visual
verification of image quality can be done, if desired. Often the
scanner can MICR read rather than OCR read the MICR data. A receipt
may be printed. The scanner may endorse the check and print some
legend such as "Processed" on the face of the check. Password
protection is possible. Generally the images and data are encrypted
and delivered via the Internet.
[0100] FAX Imaging--Existing equipment is used (e.g. fax machine,
flat bed scanner attached to PC). Scanned images (in fax or other
format) may be submitted to the bank via a point to point telephone
connection, via the Internet or by other network means. In the
first case the calling number can be identified via ISDN and
verified to be that registered to a particular customer. Image
quality should be good since a low-speed scanning device is used
and a fax test pattern may be employed to help the receiving
software produce a high quality image. Before inserting into the
carrier, checks are manually endorsed as is done when making a
branch deposit. The carrier performs many of the functions the
traditional device performs (e.g., enables two sided processing by
keeping the front and back of a check together, marks checks as
"Processed", identifies the customer).
Network
[0101] Traditional--Internet and direct dial up.
[0102] FAX Imaging--Direct dial up and Internet. Since direct dial
up is the predominant way fax machines communicate, it is likely to
be the dominant method for sending check images to the bank.
Image Receipt and Preprocessing
[0103] Traditional--Provide delivery receipt and preliminary
acceptance of image quality by software.
[0104] FAX Imaging--Verify sender (optional) using: the fax
identification and phone number entered into the fax machine,
and/or calling phone number to relate the device to a specific
customer. Caller ID cannot be blocked on an 800 number, and is not
applicable to Internet transmission. Pair individual front and back
images, which may have been transmitted separately and confirm
image quality. Apply image enhancement (optional) using the fax
test pattern included on the carrier. Convert images from fax or
other standard to the format required for further processing or for
submission to other banks Provide delivery receipt via fax, e-mail,
or other means.
Deposit Proof
[0105] Traditional--For each check compare CAR (Courtesy Amount
Read)/LAR (Legal Amount Read) and keyed in or written deposit
ticket amount; and calculate totals and compare to customer
provided total. Amounts that do not match or cannot be optically
read by the system off the image, or deposits that do not balance
require operator intervention. The customer is informed of any
deposit adjustments by e-mail, fax or phone.
[0106] FAX Imaging--For each check compare CAR (Courtesy Amount
Read)/LAR (Legal Amount Read) and keyed in, written, or otherwise
transmitted deposit ticket amount; calculate totals and compare to
customer provided total. The carrier has either a place for the
deposit ticket to be inserted or a place on the carrier where
deposit information can be written or otherwise provided. Amounts
that do not match or cannot be optically read by the system off the
image, or deposits that do not balance require operator
intervention in the same way as for traditional. The customer is
informed of any deposit adjustments by e-mail, fax or phone. It is
possible a higher percentage of deposits may require operator
intervention than under the traditional method, the cost of which
would be covered in the pricing.
Avoiding Duplicate System Deposits
[0107] Traditional--Compare checks in deposit to checks already
received.
[0108] FAX Imaging--Compare checks in deposit to checks already
received. Also compare carrier numbers.
Avoiding Duplicate Branch Deposits
[0109] Traditional--Imaged checks are often marked with "Processed"
or some similar notation on the face. Checks marked as "Processed",
which have not actually been successfully deposited, could be
accepted by the branch after verifying this is not a redeposit.
[0110] FAX Imaging--Checks to be imaged may be marked with
"Processed", or a similar notation, on the face; or checks are
sealed in the carrier before scanning Checks marked as "Processed",
which have not actually been successfully deposited, would be
accepted by the branch after verifying this is not a redeposit.
Checks sealed in a carrier could be scanned without removal from
the carrier at the branch or bank's operations center.
Check Damaged Beyond Repair
[0111] Traditional--Customer would have to go back to issuer.
[0112] FAX Imaging--Customer would have to go back to issuer.
Customer Indemnification of Bank
[0113] Traditional--Required. Know your customer applies.
[0114] FAX Imaging--Required. Know your customer applies.
* * * * *