Abstract: A method is provided of operating an image-based self-service check depositing terminal. The method comprises receiving from a self-service depositor a check to be deposited, illuminating the check with infrared radiation to improve contrast between pre-printed characters on the check and non-pre-printed check data on the check, and electronically on an imager capturing an image of the check while the check is illuminated with infrared radiation to provide a captured infrared check image with improved contrast between at least one pre-printed character on the check and non-pre-printed check data on the check so as to allow location of a check field associated with the check to be more easily located.

Abstract: A method of operating an image-based self-service check depositing terminal having an optical character recognition (OCR) reader comprises the steps of (a) receiving from a self-service depositor a check to be deposited, (b) illuminating the check with infrared radiation, (c) capturing a first image of the check while the check is illuminated with infrared radiation, (d) processing the first check image to provide an enhanced image of the check, and (e) applying OCR techniques to read a magnetic ink character recognition (MICR) codeline from the enhanced check image.

Abstract: A method is provided of operating an image-based self-service check depositing terminal. The method comprises receiving from a self-service depositor a check to be deposited, illuminating the check with infrared radiation to improve contrast between pre-printed characters on the check and non-pre-printed check data on the check, and electronically on an imager capturing an image of the check while the check is illuminated with infrared radiation to provide a captured infrared check image with improved contrast between at least one pre-printed character on the check and non-pre-printed check data on the check so as to allow location of a check field associated with the check to be more easily located.

Abstract: An electronic transaction method is provided of a retail merchant in a transaction conducted between the retail merchant and a retail consumer. The electronic transaction method comprises receiving a request from the retail consumer to purchase a good or service, prompting the retail consumer to provide details associated with a loyalty program account to redeem points and thereby to reduce purchase price of the good or service desired to be purchased, receiving from the retail consumer the details associated with the loyalty program, and reducing purchase price of the good or service based upon the details received from the retail consumer. The loyalty program account may be associated with the retail merchant. The loyalty program account may be associated with a manufacturer who is other than the retail merchant.

Abstract: A method of operating an image-based self-service check depositing terminal having an optical character recognition (OCR) reader comprises the steps of (a) receiving from a self-service depositor a check to be deposited, (b) illuminating the check with infrared radiation, (c) capturing a first image of the check while the check is illuminated with infrared radiation, (d) processing the first check image to provide an enhanced image of the check, and (e) applying OCR techniques to read a magnetic ink character recognition (MICR) codeline from the enhanced check image.