Internet Check Ordering System with MICR Data Validation
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Solution Overview
Problem
Current systems for ordering checks are inadequate for initial orders, as they require manual communication and the submission of a check copy, failing to provide a fully automated solution that ensures accurate bank transit, account, and routing data orientation for check validity.
Innovation Solution
An Internet-based check ordering system that allows input of client data, including bank transit and routing information, which is encrypted and verified against a database, enabling secure and automated initial ordering and reordering of checks with correct MICR data orientation for printing.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If a manual process is used for initial check ordering, then the system can verify check data accuracy, but the process requires physical check copies and manual communication between parties
Solution Approach 1:
The patent replaces the mechanical system of physical check copying and manual communication with an electronic data transmission system. Clients input their check data directly into the system, which is then transmitted electronically to the printer, eliminating the need for physical check copies and manual verification processes.
Solution Approach 2:
The patent introduces an intermediary verification system that automatically validates client-input data against bank databases. This intermediary layer ensures data accuracy without requiring manual intervention or physical check copies, bridging the gap between automated input and reliable verification.
2Ease of operation
If client data is transmitted over the Internet, then the ordering process is automated and convenient, but the data security and accuracy must be ensured
Solution Approach 1:
The patent performs preliminary validation of client data against bank databases before the ordering process completes. This preliminary action ensures data accuracy and security are verified in advance, allowing convenient Internet-based ordering while maintaining strict reliability standards through pre-verification.
Solution Approach 2:
The patent implements a feedback mechanism where client-input data is automatically verified against authoritative bank databases. The system provides immediate feedback on data validity, correcting errors before processing, thus ensuring both operational convenience and data reliability through continuous verification loops.
3Extent of automation
If check data is stored and processed electronically, then the system can be fully automated, but the data must be in the correct orientation for bank equipment processing
Solution Approach 1:
The patent performs preliminary orientation verification of MICR data during the electronic processing stage. Before checks are printed, the system validates that all data elements are in the correct orientation and format required by bank equipment, ensuring manufacturing precision is maintained throughout the automated process.
Data Source
AI summary
An Internet-based check ordering system includes an Internet-based server having a check order entry user interface, a bank transit number computer system in operable communication with the Internet-based server computer system, a client computer system in operable communication with the Internet-based server computer system and a printing system in operable communication with the Internet-based server computer system to print the ordered checks.