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Detecting Attempt to Deposit a Cancelled Check at an Automatic Teller Machine

IP.com Disclosure Number: IPCOM000039561D
Original Publication Date: 1987-Jun-01
Included in the Prior Art Database: 2005-Feb-01
Document File: 1 page(s) / 12K

Publishing Venue

IBM

Related People

Hardy, KA: AUTHOR [+2]

Abstract

IBM Automatic teller machines can read the magnetic ink character recognizable (MICR) line at the bottom of each check as it is individually presented for deposit or cashing at the automatic teller machine. When checks are individually presented to the automatic teller machine instead of submitting them in an envelope, the amount of work required in proving the deposit is reduced. When a check has been accepted in the first step of the collection process, the amount of the check is inscribed as the amount field in the MICR line. This disclosure teaches attempting to read any character from this amount field in order to determine whether or not a check being presented to an automatic teller machine has already once been presented for collection.

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Detecting Attempt to Deposit a Cancelled Check at an Automatic Teller Machine

IBM Automatic teller machines can read the magnetic ink character recognizable (MICR) line at the bottom of each check as it is individually presented for deposit or cashing at the automatic teller machine. When checks are individually presented to the automatic teller machine instead of submitting them in an envelope, the amount of work required in proving the deposit is reduced. When a check has been accepted in the first step of the collection process, the amount of the check is inscribed as the amount field in the MICR line. This disclosure teaches attempting to read any character from this amount field in order to determine whether or not a check being presented to an automatic teller machine has already once been presented for collection. When blank checks are received from a printer, a number of MICR characters including a transit field and an account number are already printed on the MICR line. Only the amount field is missing because, of course, the amount is later determined by the person who "writes" the check. If in the process of reading the MICR line the automatic teller machine finds any character following the amount sentinel which marks the start of the amount field, an exceptional case has been detected. An exceptional case may result in the check being rejected by the automatic teller machine with instructions to see a human teller. Possible exceptional cases are: 1)...