Method and system for exception processing of micr documents

Abstract

System and method for exception processing of MICR documents. MICR documents are read and sorted to a destination pocket for processing subject to a determination that an exception does not prevent the routing of the document. In example embodiments, for example, an error does not prevent the routing of the document if it is not related to the routing/transit field. In the case of digit errors, an optical character recognition (OCR) process is performed on the stored, electronic image of the document to correct digit errors in the stored data read from the documents. If a determination is made that correction or other exception processing cannot be handled through the OCR process, the image and corresponding MICR data is displayed on a user terminal, for manual verification or correction by reference to an image of the document, rather than the document itself.

Description

CROSS-REFERENCE TO RELATED APPLICATION [0001] This application is a continuation-in-part of and claims priority from co-pending, commonly assigned application Ser. No. 10 / 707,669, filed Dec. 31, 2003, the entire disclosure of which is incorporated herein by reference.BACKGROUND OF INVENTION [0002] Financial institutions have established various processes and associations related to the exchange of documents evidencing monetary transactions. Such documents are generally encoded with magnetic ink so that information from the documents can be read by machine. Such documents have thus become known as magnetic ink character recognition (MICR) documents. Check processing and sorting systems have also been developed in which a check or similar MICR document has its image captured and stored electronically. Such an image can be archived so that it is indexed or joined with its accompanying data from a MICR read. In addition, up until now, MICR documents have also been captured photographica...

AI Technical Summary

Benefits of technology

[0016] Computer program instructions, computer programs or computer code, possibly in the form of a computer program product can implement portions of the invention. These computer program code instructions can operate a computing platform which controls a sorter and other hardware within the system. With such a system, the handling of physical items in order to process exceptions or perform reject repair can be reduced or eliminated. Furthermore, many items having exceptions, specifically exceptions which do not prevent the routing of the items, can be routed to a destination and any verification or correction required, whether automated or manual, can be performed using only the images of the items. Additionally, data referring to documents that were scanned elsewhere can be verified and / or corrected. Thus, overall check processing time can be reduced.

Problems solved by technology

In typical embodiments, an error or other exception does not prevent the routing of the document if it is not related to the routing / transit field.

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