Method of creating an image replacement document for use in a check truncation environment and an apparatus therefor

a technology of image replacement and environment, applied in the field of image replacement documents, can solve the problems of relative higher labor cost, mis-assignment of print data, and relative higher material cost when a two-pass printing process is used

Inactive Publication Date: 2006-08-24
SANDISON JUDITH I +1
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Benefits of technology

This approach reduces labor and material costs by eliminating the need for additional printing passes and minimizes mis-assignment of print data, while ensuring efficient production of IRDs with both magnetic and non-magnetic ink portions in a single pass.

Problems solved by technology

Accordingly, a disadvantage in using magnetic ink to print the entire IRD is that there is a relatively higher material cost since more magnetic ink is used as compared to if only the MICR codeline of the IRD was printed with magnetic ink.
However, when a two-pass printing process is used to print an IRD, problems may result from mis-assignment of print data.
Also, there is a relatively higher labor cost when a two-pass printing process is used since additional labor is needed to accommodate the two-pass printing process.

Method used

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  • Method of creating an image replacement document for use in a check truncation environment and an apparatus therefor
  • Method of creating an image replacement document for use in a check truncation environment and an apparatus therefor
  • Method of creating an image replacement document for use in a check truncation environment and an apparatus therefor

Examples

Experimental program
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Embodiment Construction

[0018] The present invention is directed to method of creating an image replacement document (IRD) for use in a check truncation environment and an apparatus therefor. The specific environment in which the IRD is used may vary. In the present application, the IRD is used in a check truncation environment. In a check truncation environment, an IRD is sometimes referred to as a substitute check. The American National Standards Institute (ANSI) X9.90 standard defines the content of IRDs in a check truncation environment.

[0019] Different types of checks are processed in a check truncation environment. A physical personal check 10, as shown in FIG. 1, is one type of check which is processed. The check features shown in FIG. 1 include a payer field 12, a date field 14, a check number field 16 located in the upper-right corner of the check 10, a payee field 18, a courtesy amount field 20, a legal amount field 22, a paying bank name field 24, a memo field 26, a payer signature field 28, an...

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PUM

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Abstract

An image replacement document (IRD) is created in a single feed of sheet of material through a feeder. A print file having a MICR portion and a non-MICR portion is built based upon IRD data. The IRD data used to build the print file may be from an external application. At least some information is printed with magnetic ink onto a first portion of the sheet of material based upon the MICR portion of the print file. At least some information is printed with non-magnetic ink onto a second portion of the sheet of material based upon the non-MICR portion of the print file. The first portion of the sheet of material and the second portion of the sheet of material are on the front side of the IRD. Also, at least some information may be printed with non-magnetic ink onto a third portion of the sheet of material based upon the non-MICR portion of the print file. The third portion of the sheet of material is on the back side of the IRD.

Description

[0001] This application is a divisional of co-pending application Ser. No. 10 / 732,651, filed Dec. 10, 2003.BACKGROUND OF THE INVENTION [0002] The present invention relates to image replacement documents, and is particularly directed to a method of creating an image replacement document for use in a check truncation environment and an apparatus therefor. [0003] In a check truncation environment, an original check is not transferred between banks during the check clearing process. Instead, electronic image data which is representative of an image of an original check is transferred between the banks. When a paper version of the original check is needed, it may be printed on demand using the electronic image and related data which is representative of the original check. This paper version is called an image replacement document (IRD). [0004] The creation of an IRD for use in a check truncation environment is defined by American National Standards Institute (ANSI) X9.90 standard. This ...

Claims

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Application Information

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Patent Type & AuthorityApplications(United States)
IPC IPC(8): B41J13/00G06K9/00G06K17/00
CPCG06K9/186G06K2017/0041G06V30/2253
InventorSANDISON, JUDITH I.DORAN, WAYNE M.
OwnerSANDISON JUDITH I