Abstract: A method is provided of operating an image-based check processing system to detect a double feed condition of carrier envelopes. An example method includes attempting to read a magnetic ink character recognition (MICR) codeline from a first predefined area of an image of a document item, determining if the document item is a carrier envelope, concluding that the document item is not a double-fed item when a determination is made that the document item is a carrier envelope, and concluding that the document item is potentially a double-fed item when a determination is made that the document item is not a carrier envelope.

Abstract: A method is provided of operating an image-based check processing system to detect a double feed condition of carrier envelopes. The method comprises attempting to read a magnetic ink character recognition (MICR) codeline from a first predefined area of an image of a document item. Based upon the attempted read of a MICR codeline from the first predefined area of the item image, a determination is made if the document item is a carrier envelope. A conclusion is made that the document item is not a double-fed item when a determination is made that the document item is a carrier envelope. A conclusion is made that the document item is potentially a double-fed item when a determination is made that the document item is not a carrier envelope. The method may further comprise attempting to read a MICR codeline from a second predefined area which is different from the first predefined area of the item image.

Abstract: A method is provided of operating a self-service check depositing terminal. The method comprises the steps of receiving a user identification (ID) card from a depositor at the self-service check depositing terminal, reading ID data from the user ID card, sending the ID data to a consolidation server of a first financial institution to allow the first financial institution to process the ID data, and receiving from the first financial institution a first message containing a first Uniform Resource Locator (URL) which (i) is associated with a consolidation server of a second financial institution which is different from the first financial institution and (ii) is based upon the ID data which has been processed at the first financial institution.

Abstract: A method is provided of a bank authenticating a bank customer desiring to electronically deposit at least one check. The method comprises receiving a secret password from the bank customer, retrieving information relating to the bank customer, receiving an image of a security document which has been optically scanned by the bank customer, extracting information from the image of the physical security document, and authenticating the bank customer when both the secret password received from the bank customer and the extracted information from the image of the security document match the retrieved information relating to the bank customer.

Abstract: A computer-implemented method comprises receiving a returned accounts receivable entry, receiving a return reason code associated with the returned accounts receivable entry, locating an image of an original item which corresponds to the returned accounts receivable entry, and routing the image of the original item through a normal image exchange process based upon the return reason code associated with the returned accounts receivable entry. The normal image exchange process may comprise a check image exchange process. The normal image exchange process may comprise an image replacement document (IRD) exchange process.

Abstract: Deposit transaction data associated with a check deposited at an automated teller machine (ATM) is processed to determine if the deposited check is acceptable. Deposit transaction data relating to the deposited check is received from an ATM switch. A determination is made as to whether the deposited check is acceptable based upon the transaction data. A flag is set and a risk score is assigned when the deposited check is determined to be unacceptable. A second source file is created using set flags and assigned risk scores, and then sent to a data server. The second source tile is merged with associated deposit data retrieved from memory at the data server. The merged file is sent to a deposit review processor and a deposit review workstation. The deposit review processor determines if any deposited item needs to be reviewed by a human operator or outsorted based upon data contained in the merged file.

Abstract: A method of associating physical cheques with cheque image data includes steps of receiving physical cheques from a self-service terminal at which the physical cheques were previously deposited, lifting identification data associated with the physical cheques, and retrieving at least some of the previous remotely-captured cheque image data based upon the identification data to associate the retrieved cheque image data with the physical cheques. The plurality of self-service terminals may include a plurality of automated teller machines. The plurality of automated teller machines may include a plurality of cheque depositing automated teller machines.

Abstract: A consolidation server consolidates cheque image data from a plurality of self-service terminals. The consolidation server receives cheque image data from each of the plurality of terminals. The cheque image data received from the plurality of terminals is staged in a data storage medium. Cheque image data associated with at least one of the plurality of terminals is consolidated when a trigger event occurs. The consolidated cheque image data is sent to an image-based cheque processing system for further processing. The plurality of self-service terminals may comprise a plurality of automated teller machines. The plurality of automated teller machines may comprise a plurality of cheque depositing automated teller machines.

Abstract: Deposit transaction data associated with a cheque deposited at an automated teller machine (ATM) is processed to determine if the deposited cheque is acceptable. Deposit transaction data relating to the deposited cheque is received from an ATM switch. A determination is made as to whether the deposited cheque is acceptable based upon the transaction data. A flag is set and a risk score is assigned when the deposited cheque is determined to be unacceptable. A second source file is created using set flags and assigned risk scores, and then sent to a data server. The second source file is merged with associated deposit data retrieved from memory at the data server. The merged file is sent to a deposit review processor and a deposit review workstation. The deposit review processor determines if any deposited item needs to be reviewed by a human operator or outsorted based upon data contained in the merged file.