US 7,584,148 B2 · Apparatus and method for processing a check, and a computer-readable recording medium storing a check processing control program

Abstract

A check processing method involves capturing at a first compression rate certain portions of a received check, and evaluating, based on that captured image data, whether certain information of the check can be reproduced by image data at a second compression rate that is greater than the first compression rate. If so, then image data representing the subject portions of the check is captured at the second compression rate image data, stored, and used to electronically process a corresponding check payment transaction. If not, then a specific process is executed without using image data at the second compression rate. This processing step outputs a specific signal or stores image data containing representing the subject portions of the received check at the first compression rate. Such process may be embodied in a check processing apparatus and may be carried out in response to a program of instructions.

Claims29

Dependent claims

A method for processing a check payment transaction, comprising:

using a scanner to capture at a first compression rate image data representing at least one part of a check received from a customer;
using a computer processing unit to evaluate, based on the image data captured at the first compression rate, whether information contained in the at least one part of the check can be reproduced by image data at a second compression rate that is greater than the first compression rate;
wherein
when the evaluating step determines that the information in the at least one part of the check can be reproduced by image data at the second compression rate, then
capturing at the second compression rate image data representing at least the at least one part of the check,
storing the check image data captured at the second compression rate, and
electronically processing the check payment transaction using the check image data captured at the second compression rate;
and
when the evaluating step determines that the information in the at least one part of the check image cannot be reproduced by image data at the second compression rate, then
processing the check payment transaction using the check received from the customer without capturing check image data at the second compression rate.

7 more elements

A method for processing check payment transaction, comprising:

using a scanner to capture at a first compression rate image data representing at least one part of a check received from a customer;
using a computer processing unit to evaluate, based on the image data captured at the first compression rate, whether information contained in the at least one part of the check can be reproduced by image data at a second compression rate that is greater than the first compression rate;
and performing one of the following:
capturing at the second compression rate image data representing at least the at least one part of the check when is determined by the evaluating step that the information contained in the at least one part of the check is reproducible at the second compression rate, and then storing the check image data captured at the second compression rate for processing the check payment transaction electronically, or
storing the check image data captured at the first compression rate for processing the check payment transaction electronically when it is determined by the evaluating step that the information contained in the at least one part of the check is not reproducible.

2 more elements

Dependencies are inferred from the claim text.

Apparatus and method for processing a check, and a computer-readable recording medium storing a check processing control program

Life of this patent

Apparatus and method for processing a check, and a computer-readable recording medium storing a check processing control program

Life of this patent

Abstract

Claims29