CA3017151C - System and method for automated deposit item handling - Google Patents
System and method for automated deposit item handling Download PDFInfo
- Publication number
- CA3017151C CA3017151C CA3017151A CA3017151A CA3017151C CA 3017151 C CA3017151 C CA 3017151C CA 3017151 A CA3017151 A CA 3017151A CA 3017151 A CA3017151 A CA 3017151A CA 3017151 C CA3017151 C CA 3017151C
- Authority
- CA
- Canada
- Prior art keywords
- deposit item
- account
- amount
- deposit
- item
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Active
Links
- 238000000034 method Methods 0.000 title claims abstract description 46
- 238000004891 communication Methods 0.000 claims description 28
- 238000012015 optical character recognition Methods 0.000 claims description 13
- 238000012545 processing Methods 0.000 description 21
- 238000010586 diagram Methods 0.000 description 13
- 230000008569 process Effects 0.000 description 8
- 238000012546 transfer Methods 0.000 description 6
- 230000008520 organization Effects 0.000 description 4
- 230000002085 persistent effect Effects 0.000 description 4
- 230000000977 initiatory effect Effects 0.000 description 3
- 238000012795 verification Methods 0.000 description 3
- 238000001514 detection method Methods 0.000 description 2
- 230000000694 effects Effects 0.000 description 2
- 238000005516 engineering process Methods 0.000 description 2
- 230000006870 function Effects 0.000 description 2
- 230000006978 adaptation Effects 0.000 description 1
- 230000001413 cellular effect Effects 0.000 description 1
- 238000011156 evaluation Methods 0.000 description 1
- 238000010348 incorporation Methods 0.000 description 1
- 239000004973 liquid crystal related substance Substances 0.000 description 1
- 230000007774 longterm Effects 0.000 description 1
- 238000012423 maintenance Methods 0.000 description 1
- 238000010295 mobile communication Methods 0.000 description 1
- 238000012986 modification Methods 0.000 description 1
- 230000004048 modification Effects 0.000 description 1
- 230000003287 optical effect Effects 0.000 description 1
- 230000002093 peripheral effect Effects 0.000 description 1
- 238000007639 printing Methods 0.000 description 1
- 238000000275 quality assurance Methods 0.000 description 1
- 230000009467 reduction Effects 0.000 description 1
- 230000004044 response Effects 0.000 description 1
- 230000000717 retained effect Effects 0.000 description 1
- 238000012552 review Methods 0.000 description 1
- 238000005070 sampling Methods 0.000 description 1
- 230000003442 weekly effect Effects 0.000 description 1
Classifications
-
- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
- G07F19/20—Automatic teller machines [ATMs]
- G07F19/202—Depositing operations within ATMs
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/403—Solvency checks
- G06Q20/4037—Remote solvency checks
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
Abstract
Description
FIELD
[0001] The present application relates to handling deposit items in automated teller machines (ATMs) and, more particularly, to automatically analyzing and processing deposit items received by ATMs in real-time or near-real time.
BACKGROUND
BRIEF DESCRIPTION OF THE DRAWINGS
Date Recue/Date Received 2023-03-02
DETAILED DESCRIPTION OF VARIOUS EMBODIMENTS
determining that the drawee institution is the financial institution associated with the automated teller machine;
analyzing the scanned image of the deposit item to identify a drawer account on which the deposit item is drawn at the financial institution; confirming that the drawer account has sufficient available funds to cover an amount of the deposit item; and upon confirming that the drawer account has sufficient funds to cover the amount of the deposit item, Date Recue/Date Received 2023-03-02 crediting the first account in the amount of the deposit item without placing a hold on any of funds in the first account and encumbering funds of the drawer account in the amount of the deposit item; and after crediting the first account in the amount of the deposit item, sending an indication to the automated teller machine that the amount of the deposit item is now available in the first account.
Such a computer system may include a processor, a communications module, and a memory.
The communications module may be coupled to the processor. The memory may be coupled to the processor. The memory may be coupled to the processor. The memory may store instructions that, when executed by the computer system, cause the computer system to perform the above described method.
Date Recue/Date Received 2023-03-02
is intended to cover any one or more of the listed elements, including any one of the listed elements alone, any sub-combination, or all of the elements, without necessarily excluding any additional elements, and without necessarily requiring all of the elements.
Date Recue/Date Received 2023-03-02
Date Recue/Date Received 2023-03-02
For example, the item scanner 240 may be or may employ a contact image sensor (CIS), a charge-coupled device (CCD), or the like.
1) (and, potentially, the controller 210 in particular) and the back-office server system 110 includes software that adapts it to perform a particular function. More particularly, software of each of the automated teller machine 100 and the back-office server system cooperates, with communication between the automated teller machine 100 and the back-office server system 110 in order to automatically analyze and process deposit items in real-time or near-real time as they are received by the automated teller machine 100.
Date Recue/Date Received 2023-03-02
Date Recue/Date Received 2023-03-02
module 330.
The operating system 400 may be, for example, UNIX (TM), Linux (TM), Microsoft (TM) Windows (TM), Apple OSX (TM) or the like.
Additionally or alternatively, the scanned image of the deposit item, may be transmitted to and received by another computing device such as, for example, the back-office server system 110.
In some cases, that information may identify the institution directly (e.g., by way of a name or a unique identifying number). In other cases, that information may allow a look-up to be performed in order to identifying the institution.
As illustrated, the example Canadian cheque 600 includes a variety of elements. These Date Recue/Date Received 2023-03-02 elements are standardized according to standards published by Payments Canada (formerly known as the Canadian Payments Association) such as, for example, Standard 006 entitled "Specifications for MICR-Encoded Payment Items", 2017 (available, for example, from the organization's website, www.payments.ca).
line 610, a legal amount 620, a convenience amount 622, a date 630, and a signature 640.
line 610 is interpreted magnetically rather than optically. For example, an automated teller Date Recue/Date Received 2023-03-02 machine may include a MICR reader that magnetically interprets the MICR line 610. In a particular example, it could be that an automated teller machine includes a MICR reader that scans MICR lines of deposit items as they pass through the scan path of an item scanner.
Then, after the designation number 614 and following a "dash" symbol, an account number 616 is provided. The account number 616 is terminated by another symbol, the "on-us" symbol. Together the designation number 614 and the account number 616 identify an account at the financial institution represented by the institution code 612.
Date Recue/Date Received 2023-03-02
As illustrated, the example American check 700 includes a variety of elements.
These elements are standardized according to various standards documents produced by the Accredited Standards Committee X9, Incorporation, and registered with the American National Standards Institute (ANSI) including ASC X9 TR2, "Understanding, Designing and Producing Checks"; ASC X9 TR 6, "Guide to Quality MICR Printing and Evaluation", ASC X9 TR 8, "Check Security"; ASC X9 TR 33, "Check Image Quality Assurance ¨
Standards and Processes"; and ASC X9 TR 100-2013 "Organization of Check-related Payments Standards".
line 710, a legal amount 720, a convenience amount 722, a date 730, and a signature 740.
line 610 (FIG.
6) of the example Canadian cheque 600. However, as further described below, the format of the fields in the MICR line 710 is different from that of the MICR line 610 because of differences between American check standards and Canadian cheque standards.
RTN). The routing number 712 provides information related to routing of checks in the US
Federal Reserve system including allowing the institution on which the example American check 700 is drawn (the "drawee institution") to be identified.
Date Recue/Date Received 2023-03-02
6) and the legal amount 620 of the example Canadian cheque 600, but differ somewhat in format due to national standards and conventions. As further described below, one or both of the convenience amount 722 and the legal amount 720 may be interpreted in analyzing the scanned image of an American check in order to identify the amount of the check.
In another example, the signature 740 may be considered or verified to consider whether the check is valid (e.g., has it been signed by the payor).
For example, a similar analysis may be applied to cheques from other countries' banking systems. Notably, in some cases the exact particular of how those cheques will be analyzed will vary, informed by national cheque standards. For example, in some countries different methods may be used to encode drawee institution and account Date Recue/Date Received 2023-03-02 information on cheques. In a particular example, fonts other than MICR E-13B
such as, for example, CMC-7, may be employed in encoding information.
cheque), then the next operation is an operation 550.
deposit items will be further analyzed and processed in real-time or near-real time.
Conveniently, as further explained below, such real time processing may allow the encumbrance of funds to be avoided and thereby may allow funds flowing from "on us" deposit items to be used for other purposes (e.g., withdrawal, transfer, payments, etc.) immediately or nearly immediately. More particular, the subject matter of the present application may allow such funds flowing from "on us" deposit items to be used for other purposes in a next transaction including, potentially, in the same session (e.g., without waiting) at the ATM.
For example, in the case where the deposit item is a Canadian cheque such as the Date Recue/Date Received 2023-03-02 example Canadian cheque 600 (FIG. 6), the MICR line of scanned image of the cheque may be analyzed to identify a drawer account on which the check is drawn at the financial institution¨e.g., based on the designation number 614 and the account number 616. The amount of the cheque may also be extracted from the scanned image of the cheque such as, for example, by applying OCR or other image processing techniques to suitable portions of the cheque e.g., one or more of the legal amount 620 and the convenience amount 622. In another example, where the deposit item is an American check such as the example American check 700 (FIG. 7), the MICR line of scanned image of the cheque may be analyzed to identify a drawer account on which the check is drawn at the financial institution¨e.g., based on the account number 714. The amount of the cheque may also be extracted from the scanned image of the cheque such as, for example, by applying OCR or other image processing techniques to one or more of the legal amount 720 and the convenience amount 722.
Date Recue/Date Received 2023-03-02
Date Recue/Date Received 2023-03-02
Additionally or alternatively, the limit may be based on other deposits into that account.
For example, it may be that only a limited amount of "on us" deposit items and/or a limited total value of such items may be permitted for a particular account or customer within a specified time interval (e.g., a maximum weekly limit).
Nevertheless, such a variation may reduce risk to the financial institution as compared to conventional deposit handling in that it may reduce the risk of a withdrawal from the drawer's account during the delay associated conventional deposit item handling making a deposit item NSF. Additionally or alternatively, such a variation may be employed for purposes of fraud reduction. For example, where fraud systems detect indicia of possible fraud or other risks to the bank (e.g, too high an amount), the funds may be held in an escrow account to allow for additional variation and/or for a period to allow any inconsistencies to be investigated and/or come to light. In a particular example, while funds may be nonetheless withdrawn from the drawer account in accordance with the method depicted in flowchart 500, that method may be varied by the addition of an operation of determining, for example based on one or more factors (e.g., related to indicia of possible fraud and/or risk), whether to release funds to the payee immediately (by way of a deposit into their account) or whether to hold some or all of the funds in escrow for a period, with the account into which a deposit is made (e.g., a deposit into an escrow account with a view to later transfer into an account into which the deposited item is being deposited vs. an Date Recue/Date Received 2023-03-02 immediate deposit into that) being determined based on the determination of whether to release the funds immediately or instead to hold them.
line of a deposit item. Similarly, it may be that at the operation 550, the account number of the drawer is determined based on data read magnetically from the deposit item in addition or as an alternative to analysis of the scanned image thereof.
Date Recue/Date Received 2023-03-02
For example, one or both of the ATM switch 810 and the ATM middle tier 812 may be a suitably configured instance of the example computing device 300.
switch 810, the ATM middle tier 812, the pre-edit adapter 814, and the back-end infrastructure 820 may communicate in some embodiments, and, in particular, depicting messages exchanged therebetween in automatically analyzing and processing, in real-time or near-real time, a deposit item received by the automated teller machine 800.
middle tier 812. Such a message may include information related to a deposit item such as may have been received and scanned by the automated teller machine 800 akin to the operation 510 (FIG. 5). It may be that the automated teller machine 800 sends the image of the scanned deposit item to the ATM middle tier 812 by way of the message 910.
Additionally or alternatively, the automated teller machine may conduct an analysis of the deposit item such as, for example, to determine the drawee institution, drawer's account number and/or the amount of the deposit item. In such embodiments, the message may include the results of such an analysis. In some embodiments, the automated teller machine 800 may perform a partial analysis and may send the results of that partial analysis to the ATM middle tier 812 by way of the message 910. For example, the automated teller machine 800 may extract the MICR line where the deposit item is a cheque and may send only that portion of the image of the scanned deposit item by way of the message 910.
middle tier 812 performs operations akin to one or more of the operations 510, 520, 530 and/or 550 (FIG. 5), with what operations are performed depending on factors such as, for example, the circumstances and, potentially, on what processing has already been performed by the automated teller machine 800, the operations resulting in one or more of identifying the deposit item as an "on us" deposit item, determining the drawer's account number and/or determining the amount of the deposit item. The message 920 may be sent responsive to such processing and may provide information stemming therefrom.
Date Recue/Date Received 2023-03-02
Additionally or alternatively, the pre-edit adapter 814 may communicate with one or more fraud systems to determine whether the transaction has indicia of fraud sufficient that it should be denied or flagged.
middle tier 812 to the automated teller machine 800. In some embodiments, the message may be considered a reply to the message 910. The message 940 may indicate that one or more operations performed by and/or initiated by the ATM middle tier 812 have been completed and/or initiated. For example, the message 940 may indicate that one or more Date Recue/Date Received 2023-03-02 of the possible operations highlighted above in the discussion of handling of the message 910 by ATM middle tier (including, potentially, operations initiated by sending the message 920 to the pre-edit adapter 814) have been completed and/or initiated.
switch 810 may perform or initiate operations akin to the operation 580 (FIG.
5).
switch 810 may send a message 980 to the automated teller machine 800. In some embodiments, the message 980 may be considered a reply to the message 950.
Date Recue/Date Received 2023-03-02 Additionally or alternatively, it may be that the message 980 is sent responsive to the message 970.
Date Recue/Date Received 2023-03-02
Claims (40)
a processor;
a communications module coupled to the processor; and a memory coupled to the processor storing instructions that, when executed by the processor, cause the computer system to:
receive, using the communications module, an image of a deposit item scanned by an automated teller machine, the deposit item having been received by the automated teller machine for deposit into a first account of a financial institution associated with the automated teller machine;
analyze the scanned image of the deposit item to identify a drawee institution for the deposit item;
determine that the drawee institution is the financial institution associated with the automated teller machine;
analyze the scanned image of the deposit item to identify a drawer account on which the deposit item is drawn at the financial institution;
confirm that the drawer account has sufficient available funds to cover an amount of the deposit item;
upon confirming that the drawer account has sufficient funds to cover the amount of the deposit item, credit the first account in the amount of the deposit item without placing a hold on any of the credited amount and encumber funds of the drawer account in the amount of the deposit item;
and after crediting the first account in the amount of the deposit item, send an indication to the automated teller machine that the amount of the deposit item is now available in the first account.
Date Recue/Date Received 2023-03-02
receive, using the communications module, an image of a second deposit item scanned by the automated teller machine, the second deposit item having been received by the automated teller machine for deposit into the first account;
analyze the scanned image of the second deposit item to identify a drawee institution for the second deposit item;
determine that the drawee institution for the second deposit item is the financial institution associated with the automated teller machine;
analyze the scanned image of the second deposit item to identify a drawer account on which the second deposit item is drawn at the financial institution;
confirm that the drawer account on which the second deposit item is drawn does not have sufficient available funds to cover an amount of the second deposit item;
upon confirming that the drawer account on which the second deposit item is drawn does not have sufficient funds to cover the amount of the second deposit item, credit the first account in the amount of the second deposit item and place a hold on funds in the first account in the amount of the second deposit item;
and send an indication to the automated teller machine that the amount of the second deposit item is not yet available in the first account.
using optical character recognition to recognize characters of at least a portion of the MICR line; and identifying the drawee institution based on the recognized characters.
Date Recue/Date Received 2023-03-02
identifying the drawer account based on the recognized characters.
receiving an image of a deposit item scanned by an automated teller machine, the deposit item having been received by the automated teller machine for deposit into a first account of a financial institution associated with the automated teller machine;
analyzing the scanned image of the deposit item to identify a drawee institution for the deposit item;
determining that the drawee institution is the financial institution associated with the automated teller machine;
analyzing the scanned image of the deposit item to identify a drawer account on which the deposit item is drawn at the financial institution;
confirming that the drawer account has sufficient available funds to cover an amount of the deposit item; and Date Recue/Date Received 2023-03-02 upon confirming that the drawer account has sufficient funds to cover the amount of the deposit item, crediting the first account in the amount of the deposit item without placing a hold on any of funds in the first account and encumbering funds of the drawer account in the amount of the deposit item; and after crediting the first account in the amount of the deposit item, sending an indication to the automated teller machine that the amount of the deposit item is now available in the first account.
receiving an image of a second deposit item scanned by the automated teller machine, the second deposit item having been received by the automated teller machine for deposit into the first account;
analyzing the scanned image of the second deposit item to identify a drawee institution for the second deposit item;
determining that the drawee institution for the second deposit item is the financial institution associated with the automated teller machine;
analyzing the scanned image of the second deposit item to identify a drawer account on which the second deposit item is drawn at the financial institution;
confirming that the drawer account on which the second deposit item is drawn does not have sufficient available funds to cover an amount of the second deposit item;
upon confirming that the drawer account on which the second deposit item is drawn does not have sufficient funds to cover the amount of the second deposit item, crediting the first account in the amount of the second deposit item and placing a hold on funds in the first account in the amount of the second deposit item; and Date Recue/Date Received 2023-03-02 sending an indication to the automated teller machine that the amount of the second deposit item is not yet available in the first account.
using optical character recognition to recognize characters of at least a portion of the MICR line; and identifying the drawee institution based on the recognized characters.
identifying the drawer account based on the recognized characters.
prior to confirming that the drawer account has sufficient available funds to cover an amount of the deposit item, determining that the amount of the deposit item is less than a limit.
receive an image of a deposit item scanned by an automated teller machine, the deposit item having been received by the automated teller machine for deposit into a first account of a financial institution associated with the automated teller machine;
analyze the scanned image of the deposit item to identify a drawee institution for the deposit item;
Date Recue/Date Received 2023-03-02 determine that the drawee institution is the financial institution associated with the automated teller machine;
analyze the scanned image of the deposit item to identify a drawer account on which the deposit item is drawn at the financial institution;
confirm that the drawer account has sufficient available funds to cover an amount of the deposit item;
upon confirming that the drawer account has sufficient funds to cover the amount of the deposit item, credit the first account in the amount of the deposit item without placing a hold on any of the credited amount and encumber funds of the drawer account in the amount of the deposit item; and after crediting the first account in the amount of the deposit item, send an indication to the automated teller machine that the amount of the deposit item is now available in the first account.
using optical character recognition to recognize characters of at least a portion of the MICR line; and identifying the drawee institution based on the recognized characters.
identifying the drawer account based on the recognized characters.
Date Recue/Date Received 2023-03-02
a processor;
a communications module coupled to the processor; and a memory coupled to the processor storing instructions that, when executed by the processor, cause the system to:
obtain an image of a deposit item scanned by a computer system;
identify, based on the image of the deposit item, a drawee institution for the deposit item;
determine that the drawee institution is a financial institution associated with a first account into which the deposit item is to be deposited;
identify, based on the image of the deposit item, a drawer account on which the deposit item is drawn at the financial institution;
confirm that the drawer account has sufficient available funds to cover an amount of the deposit item;
upon confirming that the drawer account has sufficient funds to cover the amount of the deposit item, credit the first account in the amount of the deposit item such that the credited amount is immediately available and encumber funds of the drawer account in the amount of the deposit item;
and after crediting the first account in the amount of the deposit item, send an indication to the computer system in real time or near real time following receipt of the image of the deposit item to confirm that the credited amount is immediately available.
Date Recue/Date Received 2023-03-02
receive, using the communications module, an image of a second deposit item scanned by the computer system;
identify a drawee institution for the second deposit item;
determine that the drawee institution for the second deposit item is the financial institution associated with the first account into which the second deposit item is being deposited;
identify a drawer account on which the second deposit item is drawn at the financial institution;
confirm that the drawer account on which the second deposit item is drawn does not have sufficient available funds to cover an amount of the second deposit item;
upon confirming that the drawer account on which the second deposit item is drawn does not have sufficient funds to cover the amount of the second deposit item, send an indication to the computer system that the amount of the second deposit item is not yet available in the first account.
using optical character recognition to recognize characters of at least a portion of the MICR line; and identifying the drawee institution based on the recognized characters.
Date Recue/Date Received 2023-03-02
identifying the drawer account based on the recognized characters.
obtaining an image of a deposit item scanned by a computer system;
identifying a drawee institution for the deposit item based on the image of the deposit item;
determining that the drawee institution is a financial institution associated with a first account into which the deposit item is to be deposited;
identifying a drawer account on which the deposit item is drawn at the financial institution based on the image of the deposit item;
confirming that the drawer account has sufficient available funds to cover an amount of the deposit item; and upon confirming that the drawer account has sufficient funds to cover the amount of the deposit item, crediting the first account in the amount of the deposit item such that the credited amount is immediately available and encumbering funds of the drawer account in the amount of the deposit item; and Date Recue/Date Received 2023-03-02 after crediting the first account in the amount of the deposit item, sending an indication to the computer system in real time or near real time following receipt of the image of the deposit item to confirm that the credited amount is immediately available.
receiving an image of a second deposit item scanned by the computer system;
identifying a drawee institution for the second deposit item;
determining that the drawee institution for the second deposit item is the financial institution associated with the first account into which the second deposit item is being deposited;
analyzing the scanned image of the second deposit item to identify a drawer account on which the second deposit item is drawn at the financial institution;
confirming that the drawer account on which the second deposit item is drawn does not have sufficient available funds to cover an amount of the second deposit item;
upon confirming that the drawer account on which the second deposit item is drawn does not have sufficient funds to cover the amount of the second deposit item, sending an indication to the computer system that the amount of the second deposit item is not yet available in the first account.
using optical character recognition to recognize characters of at least a portion of the MICR line; and Date Recue/Date Received 2023-03-02 identifying the drawee institution based on the recognized characters.
identifying the drawer account based on the recognized characters.
prior to confirming that the drawer account has sufficient available funds to cover an amount of the deposit item, determining that the amount of the deposit item is less than a limit.
obtain an image of a deposit item scanned by a computer system;
identify, based on the image of the deposit item, a drawee institution for the deposit item;
determine that the drawee institution is a financial institution associated with a first account into which the deposit item is to be deposited;
identify, based on the image of the deposit item, a drawer account on which the deposit item is drawn at the financial institution;
confirm that the drawer account has sufficient available funds to cover an amount of the deposit item;
upon confirming that the drawer account has sufficient funds to cover the amount of the deposit item, credit the first account in the amount of the deposit item such that the credited amount is immediately available and encumber the drawer account in the amount of the deposit item; and Date Recue/Date Received 2023-03-02 after crediting the first account in the amount of the deposit item, send an indication to the computer system in real time or near real time following receipt of the image of the deposit item to confirm that the credited amount is immediately available.
using optical character recognition to recognize characters of at least a portion of the MICR line; and identifying the drawee institution based on the recognized characters.
Date Recue/Date Received 2023-03-02
Priority Applications (1)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
CA3017151A CA3017151C (en) | 2018-09-12 | 2018-09-12 | System and method for automated deposit item handling |
Applications Claiming Priority (1)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
CA3017151A CA3017151C (en) | 2018-09-12 | 2018-09-12 | System and method for automated deposit item handling |
Publications (2)
Publication Number | Publication Date |
---|---|
CA3017151A1 CA3017151A1 (en) | 2020-03-12 |
CA3017151C true CA3017151C (en) | 2024-03-12 |
Family
ID=69782646
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
CA3017151A Active CA3017151C (en) | 2018-09-12 | 2018-09-12 | System and method for automated deposit item handling |
Country Status (1)
Country | Link |
---|---|
CA (1) | CA3017151C (en) |
-
2018
- 2018-09-12 CA CA3017151A patent/CA3017151C/en active Active
Also Published As
Publication number | Publication date |
---|---|
CA3017151A1 (en) | 2020-03-12 |
Similar Documents
Publication | Publication Date | Title |
---|---|---|
US11756388B2 (en) | System and method for automated deposit item handling | |
US11531973B1 (en) | Systems and methods for mobile deposit of negotiable instruments | |
US20190259011A1 (en) | Systems and methods for routing a check transaction over a debit card network | |
US8824772B2 (en) | System and method for improved remote deposit image handling | |
US8165381B1 (en) | Method and system for transaction decision making | |
US11948188B2 (en) | ATM exception processing system and method | |
US20070175977A1 (en) | System, method, and computer program product for processing payments with a virtual preauthorized draft | |
WO2006023822A2 (en) | Validating negotiable documents using public document validation profiles | |
CN105303439A (en) | Bank system adopting human face recognition to enter account and confirming service through fingerprint | |
US11210505B2 (en) | Recycling value instruments in an automated teller machine | |
US10937008B2 (en) | Cross border image exchange | |
US20150142647A1 (en) | Consumer Bill-Pay | |
US11847877B1 (en) | Systems and methods for ATM deposit jammed item imaging and transaction completion | |
US20050133586A1 (en) | Apparatus and method for age verification of paper checks for electronic redeposit | |
CA3017151C (en) | System and method for automated deposit item handling | |
US20050137979A1 (en) | Apparatus and method for amount verification of paper checks for electronic redeposit | |
US11875398B2 (en) | System and method for real-time cheque processing and return at an automated teller machine | |
US20210166207A1 (en) | System for capture of paper check and process of check payment to third party | |
CA3018372C (en) | Recycling value instruments in an automated teller machine | |
US20150106132A1 (en) | Processing insurance payments | |
US20230394450A1 (en) | System and method for storing automated teller machine session data | |
CN116384994A (en) | Safe type integrated payment system |
Legal Events
Date | Code | Title | Description |
---|---|---|---|
EEER | Examination request |
Effective date: 20210914 |
|
EEER | Examination request |
Effective date: 20210914 |
|
EEER | Examination request |
Effective date: 20210914 |
|
EEER | Examination request |
Effective date: 20210914 |
|
EEER | Examination request |
Effective date: 20210914 |
|
EEER | Examination request |
Effective date: 20210914 |
|
EEER | Examination request |
Effective date: 20210914 |
|
EEER | Examination request |
Effective date: 20210914 |
|
EEER | Examination request |
Effective date: 20210914 |
|
EEER | Examination request |
Effective date: 20210914 |
|
EEER | Examination request |
Effective date: 20210914 |
|
EEER | Examination request |
Effective date: 20210914 |