Abstract: A method of a paying bank processing a check which has been presented for payment comprises the steps of (a) receiving a check from a presenting bank, (b) verifying the check of step (a) based upon details contained in a check data file which has been previously received from a payor of the check, and (c) verifying the check based upon details contained in a check image file which also has been previously received from the payor of the check when the check is unable to be verified in step (b). The check data file may comprise a positive pay file. Step (c) may include the sub-steps of (c-1) capturing image data from the check, and (c-2) comparing the captured image data of sub-step (c-1) with at least a portion of a previously scanned image of the check stored in the check image file to verify the check. The at least a portion of a previously scanned image of the check may comprise a full image of the check. The check image file may include image data which is representative of full images of checks.

Abstract: An image replacement document (IRD) is created in a single feed of sheet of material through a feeder. A print file having a MICR portion and a non-MICR portion is built based upon IRD data. The IRD data used to build the print file may be from an external application. At least some information is printed with magnetic ink onto a first portion of the sheet of material based upon the MICR portion of the print file. At least some information is printed with non-magnetic ink onto a second portion of the sheet of material based upon the non-MICR portion of the print file. The first portion of the sheet of material and the second portion of the sheet of material are on the front side of the IRD. Also, at least some information may be printed with non-magnetic ink onto a third portion of the sheet of material based upon the non-MICR portion of the print file. The third portion of the sheet of material is on the back side of the IRD.

Abstract: A method of operating an image-based self-service depositing terminal comprises receiving a financial instrument from a depositor, capturing image data which is representative of an image of the deposited financial instrument, analyzing the captured image data to determine image quality associated with the image of the financial instrument, determining if image quality associated with the image of the financial instrument is suspect, and presenting on a display of the self-service depositing terminal a screen which contains a plurality of selections regarding disposition of the depositing of the financial instrument to allow the depositor to choose one of the selections when the image quality associated with the image of the financial instrument is determined to be suspect.

Abstract: An image replacement document (IRD) is created in a single feed of sheet of material through a feeder. A print file having a MICR portion and a non-MICR portion is built based upon IRD data. The IRD data used to build the print file may be from an external application. At least some information is printed with magnetic ink onto a first portion of the sheet of material based upon the MICR portion of the print file. At least some information is printed with non-magnetic ink onto a second portion of the sheet of material based upon the non-MICR portion of the print file. The first portion of the sheet of material and the second portion of the sheet of material are on the front side of the IRD. Also, at least some information may be printed with non-magnetic ink onto a third portion of the sheet of material based upon the non-MICR portion of the print file. The third portion of the sheet of material is on the back side of the IRD.

Abstract: A method of processing payment in an electronic commercial transaction between a buyer and a seller comprises receiving payment from the buyer according to a first payment method pre-selected by the buyer, and making payment to the seller according to a second payment method pre-selected by the seller. The first payment method pre-selected by the buyer and the second payment method pre-selected by the seller are different from each other. Another method of making payment to a seller in an electronic commercial transaction comprises paying the seller according to a first payment method when the amount of the transaction is less than a predetermined amount, and paying the seller according to a second payment method which is different from the first payment method when the amount of the transaction is greater than the predetermined amount. The first and second payment methods may be pre-selected by the seller.