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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

Publishing Venue

IBM

Related People

Authors:
Hardy, KA Iyer, CB [+details]

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.