Check processing method and apparatus, and a computer-readable recording medium storing a check processing control program
OwnerHiroshi Onoinventor
Life of this patent
Estimating the term…
Abstract
After first confirming that a check was inserted with its back side facing up, a consent agreement and signature line are printed on the back of the check and the check is then ejected. After the customer signs on the signature line, the check is reinserted and it is again confirmed that the check has been inserted with its back facing up. The back of the check is then scanned and the captured image data is recorded. Handling and managing checks for which payment was processed electronically is thus more efficient.
Claims28
A method for processing a check payment transaction, comprising:
- determining whether or not to electronically process the check payment transaction;
- and
- printing on a back side of a check an agreement for consenting to electronic processing of the check payment transaction if and when it is determined to electronically process the check payment transaction.
An apparatus for processing a check payment transaction, comprising:
- an input unit configured to determine whether or not to electronically process the check payment transaction;
- and
- a printer configured to print on a back side of a check an agreement for consenting to electronic processing of the check payment transaction if and when the input unit determines to electronically process the check payment transaction.
A check processing apparatus in communication with a host device for processing a check payment transaction according to commands received from the host, the check processing apparatus comprising:
- an MICR reading unit configured to read magnetic ink characters pre-recorded on a front side of a check;
- a printer configured to print on the check;
- a transportation unit configured to convey the check through the check processing apparatus;
- and
- a control unit configured to control the MICR reading unit, printing unit, and transportation unit;
- wherein the control unit is configured to control the MICR reading unit to detect whether or not magnetic ink characters are pre-recorded on the check surface if and when a command is received from the host to print on the back side of the check, and to control the printer to print on the back side of the check based on the detection result of the MICR reading unit.
A computer-readable medium containing a program for executing a check payment transaction process, the program comprising:
- instructions for determining whether or not to electronically process the check payment transaction;
- and
- instructions for issuing a command to print on a back side of a check an agreement for consenting to electronic processing of the check payment transaction if and when it is determined to electronically process the check payment transaction.
Dependencies are inferred from the claim text.