Abstract: Check image data which is representative of an image of the check is captured. Endorsement data which is representative of an image of an endorsement is appended to the check image data to provide endorsed check image data which is representative of an image of the check and the endorsement. The endorsed check image data is stored in memory.

Abstract: A method of providing receipts to depositors of bank checks. People often deposit a group of bank checks at once. All checks in the group are listed on a deposit slip which the person prepared. Sometimes, at the last minute, a person removes a check from the group, and does not deposit the removed check. However, if the person misplaces that removed check, the person can develop the false memory that he actually deposited the check, when, in fact, he did not. This false memory can lead to a dispute with the bank. In one form of the invention, the bank creates a deposit slip which contains a picture of each check which was deposited, and also a picture of each check which was removed from the deposit process. This deposit slip creates a historical record of events occurring at the deposit event, and allows one to trace all checks involved.

Abstract: A substitute check is created for an original check which has an encode line printed thereon. Check image data which is representative of an image of the original check is received and analyzed to establish positioning of MICR characters within the encode line of the original check. An encode line of the substitute check is formatted based upon the positioning of MICR characters within the encode line of the original check such that the formatted encode line of the substitute check matches the encode line of the original check. The formatted encode line of the substitute check is printed to create at least a portion of the substitute check.

Abstract: A method is provided of a bank processing a check depositing transaction between a bank customer and the bank. The method comprises receiving from the bank customer at least one check for depositing, capturing an image of the at least one check received from the bank customer, providing the bank customer with a transaction receipt which contains (i) transaction-specific information, and (ii) an image of at least a portion of each deposited check to provide the bank customer with a record of the check depositing transaction, and storing in a storage unit a data file which is representative of an image of the transaction receipt provided to the bank customer to provide the bank with a record of the check depositing transaction.

Abstract: A method of creating an image replacement document (IRD) for use in a check truncation environment comprises building a print file having a magnetic ink character recognition (MICR) portion and a non-MICR portion based upon IRD data, printing with non-magnetic ink a front portion of the IRD based upon the non-MICR portion of the print file, printing with non-magnetic ink a machine-readable code onto at least one of the front and back portions of the IRD, reading the machine-readable code from the at least one of the front and back portions of the IRD, and printing with magnetic ink an encoded MICR codeline onto at least one of the front and back portions of the IRD based upon the machine-readable code.

Abstract: A method of creating an image replacement document (IRD) during two passes of a sheet material through a printing apparatus including building a first print file portion based upon IRD data, building a second print file portion based upon IRD data, printing with non-magnetic ink onto the sheet material at least some information based upon the first print file portion to create a front portion of the IRD during a first pass of the sheet material through the printing apparatus, printing with non-magnetic ink onto the sheet material a machine-readable code which is associated with a magnetic ink character recognition (MICR) codeline to be encoded onto the IRD, printing with non-magnetic ink onto the sheet material at least some information based upon the second print file portion to create a back portion of the IRD during the first pass of the sheet material through the printing apparatus, and printing with magnetic ink onto the sheet material the MICR codeline based upon the machine-readable code which has been

Abstract: Check image data which is representative of an image of the check is captured. Endorsement data which is representative of an image of an endorsement is appended to the check image data to provide endorsed check image data which is representative of an image of the check and the endorsement. The endorsed check image data is stored in memory.