Image-based document processing system providing for priority document shipment

Abstract

A method for obtaining priority document shipment in an image-based transaction processing system, wherein each transaction comprises a plurality of debit and credit documents which should be balanced. Images of documents are captured while sorting the documents into groups in accordance with document shipment. The captured images are then viewed for extracting amount data. The extracted amount data is used for identifying out-of-balance transactions. When a group is selected for priority document shipment, only those document images from the selected group which are also part of an out-of-balance transaction are viewed again, a previously extracted amount from a document being changed if the amount extracted as a result of this additional viewing causes the corresponding transaction to balance.

Claims

What is claimed is:

1. In a transaction processing system, wherein each transaction comprises a plurality of debit and credit documents which should balance, wherein each document contains amount data, wherein at least predetermined documents also contain machine-readable data, wherein the machine-readable data on each of said predetermined documents includes document destination data, and wherein at least some of said predetermined documents are required to be shipped by predetermined deadlines,

passing said documents through a document processor;

capturing images of said documents during said passing;

sorting said predetermined documents into groups based on said document destination data during said passing;

storing said images in a storage and retrieval unit;

extracting amount data from said documents;

said extracting including retrieving images of selected documents from said storage and retrieval unit, displaying the retrieved images, and entering amount data from the displayed images into a data base of a computer;

identifying out-of-balance transactions using said computer;

selecting at least a portion of a sorted group for shipment in order to meet a deadline;

displaying only those particular document images from the selected portion which are part of said out-of-balance transactions without displaying previously entered amount data for these documents;

entering into the computer data base amount data from the displayed images of the selected portion, said computer changing previously entered amount data in the computer data base when the newly entered data causes the corresponding transaction to blanace.

2. The method of claim 1, including shipping documents in said selected portion after displaying said particular document images and entering any changes into the computer data base.

3. The method of claim 2 including printing machine-readable data on said predetermined documents indicative of the amount data thereon prior to said shipping.

4. The method of claim 1, wherein the amount data on said predetermined documents are courtesy amounts.

5. The method of claim 4, wherein said predetermined documents are checks.

6. The method of claim 4, wherein said courtesy amounts are handwritten.

7. The method of claim 5, wherein said machine-readable data comprises MICR data.

8. The method of claim 1, 2 or 3, wherein said extracting includes automatically reading amount data on said documents while being passed through said document processor, and storing the automatically read amount data in the computer data base.

9. The method in accordance with claim 1, 2 or 3 wherein, if the amount data entered for a displayed particular document is different from the previously entered data, but does not cause the corresponding transaction to balance, then no change is made and an indication of this lack of balance is made.

10. The method of claim 1, wherein certain documents have defective machine-readable data, and wherein said sorting of said predetermined document is permitted to occur so long as said document destination data is readable.

11. The method of claim 10, wherein documents whose document destination data are not readable are sorted to a reject group, and wherein said method includes entering into the computer data base amount data from documents in said reject group.

Description

CROSS REFERENCE TO RELATED PATENT APPLICATIONS

This patent application is related to the following concurrently filed patent applications:

U.S. Ser. No. 07/420,090, filed Oct. 10, 1989

U.S. Ser. No. 07/420,098, filed Oct. 10, 1989

U.S. Ser. No. 07/419,568, filed Oct. 10, 1989

U.S. Ser. No. 07/420,094, filed Oct. 10, 1989

U.S. Ser. No. 07/420,104, filed Oct. 10, 1989

BACKGROUND OF THE INVENTION

The present invention relates generally to improved means and methods for processing documents using electronic imaging, and more particularly, to the use of electronic imaging for processing financial documents, such as checks and related documents in a banking environment.

Today's financial services industry is facing the immense challenge of processing huge amounts of documents efficiently. Predictions that document payment methods would decline have not been realized. In fact, document payment methods have grown worldwide and are expected to continue increasing. There is thus a vital need to devise improved means and methods for processing such documents.

The use of imaging technology as an aid to document processing has been recognized as one way of significantly improving document processing, as disclosed, for example, in U.S. Pat. Nos. 4,205,780, 4,264,808, and 4,672,186. Generally, imaging involves optically scanning documents to produce electronic images that are processed electronically and stored on high capacity storage media (such as magnetic disc drives and/or optical memory) for later retrieval and display. It is apparent that document imaging provides the opportunity to reduce document handling and movement, since these electronic images can be used in place of the actual documents.

However, despite technological advances in imaging in recent years, prior art document processing systems employing imaging, such as disclosed in the aforementioned patents, do not realized sufficient improvements to justify the added implementations costs.

SUMMARY AND OBJECTS OF THE INVENTION

Accordingly, it is a broad object of the present invention to provide improved means and methods for employing electronic imaging in a document processing system.

A more specific object of the present invention is to provide such improved means and methods in a manner which significantly improves document processing productivity.

Another object of the present invention in accordance with one or more of the foregoing objects is to provide a document processing system employing imaging which is organized for operation in a manner which significantly reduces labor costs.

Further objects of the present invention involve improvements in system architecture, workstation management, transaction balancing, lost image recovery, priority document shipment, and free and missing document management.

The specific nature of the invention as well as other objects, features advantages and uses thereof will be come evident from the following detailed description along with the accompanying drawings comprised of FIGS. 1-26.

BRIEF DESCRIPTION OF THE DRAWINGS

FIG. 1 generally illustrates an exemplary image-based bank check processing system in accordance with the invention.

FIG. 2 is a pictorial representation of FIG. 1.

FIG. 3 illustrates the front side of a typical check.

FIG. 4 illustrates the front side of a typical deposit ticket.

FIG. 5 illustrates the back side of a typical deposit ticket.

FIG. 6 illustrates a typical cash paid out slip.

FIG. 7 illustrates a typical check containing an encoded amount below the signature.

FIG. 8 illustrates the layered softward architecture employed in the system of FIG. 1.

FIG. 9 illustrates the manner in which application programs are distributed throughout the system of FIG. 1.

FIG. 10 is a more specific representation of the layered software architecture employed in the system of FIG. 1.

FIG. 11 is a block diagram illustrating how the system of FIG. 1 can be expanded.

FIG. 12 is a flow chart illustrating how image recovery is provided in the system of FIG. 1.

FIG. 13 illustrates how documents may be distributed after sorting by the document processor in FIG. 1.

FIG. 13a illustrates how the distributed documents of FIG. 13 are placed in a block tray without recordering preparatory to performing a repass for image recovery purposes.

FIG. 14 is a block diagram illustrating various types of workstations employed in the system of FIG. 1.

FIG. 15 illustrates preferred hardware for the image workstations of FIG. 14.

FIGS. 16 and 17 illustrate examples of image displays which may typically appear on an amount entry workstation.

FIGS. 18 and 19 illustrate examples of screen displays which may typically appear on a MICR correction workstation.

FIG. 20 illustrates an example of a multi-window screen display which may typically appear on a balancing work station.

FIG. 21 illustrates a typical workstation keyboard.

FIG. 22 shows the upper keys and associated functions of the keyboard of FIG. 21.

FIG. 23 shows the lower keys and associated functions of the keyboard of FIG. 21.

FIG. 24 is a flow chart illustrating the automatic steps through which a balancing workstation leads an operator in order to balance out-of-balance transactions.

FIG. 25 illustrates an example of a typical customer advice letter that may be prepared by an operator at a balancing workstation.

FIG. 26 is a flow diagram illustrating how priority transit shipment is provided in the system of FIG. 1.

DETAILED DESCRIPTION

Like numerals and characters refer to like elements throughout the FIGURES of the drawings.

In order to demonstrate how the invention may be implemented and operated, an exemplary image-based bank check processing system, such as generally illustrated in FIG. 1, will be considered in detail. It is to be understood that this exemplary system is merely illustrative, and should not be considered as in any way limiting the scope of the invention, since the invention is applicable to other types of document processing systems, financial and otherwise.

Deposit Transactions

Before describing FIG. 1, it will be helpful to first consider the deposit type of transactions which this exemplary system will be assumed to process for the purposes of this description.

As is well known, a very common activity within a bank involves the processing of deposits made by the bank's customers. A customer is typically one who has a checking account at the bank and, from time-to-time, makes a deposit for the purpose of depositing to his/her account one or more checks which the customer has received from others. These checks may be drawn on the same bank (on-us checks) or on other banks. FIG. 3 illustrates the front side 10a of a typical check 10.

In order to make a deposit, a customer ordinarily fills out a deposit ticket listing the amount of each check to be deposited, and the total of all checks. FIG. 4 illustrates the front side 15a of a typical deposit ticket 15 listing for deposit only a single check for $250.00.

If there are many checks to be deposited and insufficient space to list them on the front side 15a of the deposit ticket 15, the check amounts are then listed on the back side 15b of the deposit ticket 15, as illustrated in FIG. 5, with the total of these checks being written on the back 15b and also on the front side 15a of the deposit ticket 15.

Note that code lines 11 and 16 are provided at the bottom of the front sides 10a and 15a of both the check 10 and deposit ticket 15, respectively. These code lines 11 and 16 typically are both humanly-readable and machine-readable, and contain information which the bank uses for processing, such as the bank on which the document is drawn, a routing/transit number, the account number of the person who wrote or made out the check or deposit ticket, and a transaction code indicating the type of document. These code lines 11 and 16 are usually comprised of well known MICR (Magnetic Ink Character Recognition) data, but may alternatively be OCR (Optical Character Recognition) data. For convenience, it will be assumed for the remainder of this description that these code lines are MICR data.

A bank receives deposit tickets and associated checks for further processing from a variety of sources, such as from the bank's tellers, through-the-mail, from automated teller machines, etc. When the transaction is made at a teller window, the customer may also choose to receive a certain amount of cash, as indicated by the $200.00 amount provided on the "LESS CASH RECEIVED" line on the front side 15a of the deposit ticket 15 in FIG. 4. In such a case, the teller will then include with the check(s) and deposit ticket of the transaction, a cash paid out slip for the corresponding cash amount of $200.00, as illustrated in FIG. 6. This cash paid out slip also has a MICR code line 19.

Instead of receiving cash, the customer might wish to deposit cash into his account, in which case the customer would enter the appropriate amount into the "CURRENCY" and/or "COIN" lines adjacent the "CASH" block on the front side 15a of the deposit ticket 15(FIG. 4). The teller would then include with the check(s) and deposit slip of the transaction, a cash paid in slip (not shown), which would be generally similar to the cash paid out slip shown in FIG. 6 (including an appropriate code line), except that it would designate cash paid in instead of cash paid out.

The deposit ticket 15 along with its associated checks 10, and any cash paid in or paid out slip constitute a transaction. Other documents, such as mortage and credit card payments could also be included in a transaction. Assuming no errors have been made (by either the customer or the teller), the "NET DEPOSIT" line on the front side 15a of the deposit ticket 15 should equal the algebraic sum of the associated check amounts and any cash paid in or paid out amount, and also the amounts of any other types of transaction items which may be included in the transaction. When this equality is present, the transaction is said to be "balanced."

It will be appreciated that a bank is required to process large quantities of transactions, such as described above, every working day. The bank needs to process these transactions for two primary purposes:

(1) To capture data from the transaction documents in order to be able to update the bank's own customer accounts. For example, a customer who made a deposit needs to have his account updated to reflect the results of the deposit.

(2) To send out checks drawn on other banks for collection. In accordance with current banking practices, it is required that a machine-readable amount be encoded on each check which for the present description will be assumed to be MICR data. This encoded amount is conventionally placed below the signature of the person who wrote the check, in line with the check code line 11, as illustrated at 21 in FIG. 7. It will be assumed that MICR encoding is used.

In accomplishing the above purposes, it is important that a check processing system provide for proofing, which in the banking industry refers to methods and apparatus for detecting, correcting and handling transaction balancing errors. It will be understood that such errors may be produced by the customer and/or teller, or may be introduced during processing. The manner in which the processing system provides for detecting and correcting such errors, as well as preventing the introduction of errors during processing, has a very significant impact on the resultant productivity and cost effectiveness of the system. This is why the use of imaging technology in document processing is not of itself a solution to the problems associated with document processing.

General System Description

FIG. 1 and 2 illustrate an exemplary embodiment of an image-based bank check processing system in accordance with the invention, which is able to take particular advantage of imaging technology in a manner which significantly enhances the productivity and cost-effectiveness of the system. As mentioned previously, this bank check processing system is presented by way of example, and should not be considered as in any way limiting the scope of the invention.

An initial step of preparation is required to prepare incoming transactions for processing by the check processing system of FIG. 1. This preparation step involves removing staples, paper clips, rubber bands etc. from the transaction documents, and arranging them in trays with proper orientation and in proper order, each tray corresponding to a block. Included in each tray is a block ticket for identifying the documents in that block, and pocket separator ticket for separating the documents into block groups after they have been sorted into pockets 32a. For the purposes of this description, and, by way of example, it will be assumed that a tray comprises a block of transactions containing about 3,000 documents, and without any transactions being split up between different blocks. To permit identification of the documents associated with each transaction, they are arranged in consecutive order in the tray. Typically, the deposit ticket of each transaction follows the other documents of the transaction.

These tray blocks of transactions are brought to a high sped document processor 32 which includes an imaging capability, and also optionally includes a microfilming capability and a capability for automatically reading the dollar amounts of the transaction documents. The operator places the tray block into an automatic document feeder of the document processor unit 32 and begins operation. The document processor 32 then reads the MICR code line on each document as the document flows through the unit, endorses audit trail information (including assigning a sequence number) on the document, optionally microfilms the document, and also captures an image of one or more sides of the document. If a document already has the dollar amount encoded, or if automatic dollar amount reading is available, this dollar amount is also read. The document processor 32 then sorts the documents (usually based on MICR data) to pockets 32a using a sort pattern which may be downloaded from a host computer 34 via a communication link 36. As will become evident hereinafter, it is advantageous to sort to pockets 32a based on the destination indicated by the MICR code line in order to facilitate meeting destination shipment deadlines. As will also become evident hereinafter, it is additionally advantageous to permit a defective MICR code line to be sorted to its corresponding pocket, so long as the destination portion is readable. The manner in which such documents having defective MICR code lines, but with readable destinations are handled will be described later on herein. Documents which cannot be handled (e.g., because of a defective MICR line without readable destination) are sorted to a reject pocket for handling by conventional reject reentry procedures. If desired, deposit slips and cash-in and cash-out slips could also be sorted to separate pockets.

The data read from the transaction documents by the document processor 32 are fed to the computer 34 via communication link 36, and typically includes each document's MICR data, amount data (if read), assigned sequence number and pocket location. The host computer 34 maintains a data base which stores the pertinent data corresponding to each transaction document being processed.

Images captured by the document processor 32 are processed, compressed, and formed into image packets. Each packet comprises one or more compressed images of a document along with an identifying header containing document identifying data (such as MICR data and sequence number). These image packets are then sent, via a high speed, point-to-point optical network 41 for storage on a high capacity disk-based magnetic storage and retrieval unit 40. The storage and retrieval unit 40 communicates with the computer 34 via communication link 42 and communication processor 34a.

Thus, after a tray block is passed through the document processor 32, the transaction documents will be in the pockets 32a, corresponding document data, such as MICR, sequence number, dollar amount (if read) and pocket location will have been sent to the host computer 34 for storage in its document data base, and corresponding images with document identifying headers will have been stored on the storage and retrieval unit 40.

Additional tray blocks are processed by the document processor 32 in the same manner as described above. In each pocket, the pocket separator tickets provided in the trays during the previously described preparation step serve to separate documents from different blocks. As pockets fill, an operator empties each pocket into a pocket tray which is identified with the corresponding pocket number. These pocket trays are moved to a holding area. When the system indicates that the documents in a particular pocket tray are ready for encoding, the tray may then be taken to a power encoder 60 for high speed encoding of the dollar amount on each check. Since, as mentioned previously, the sorting into pockets is advantageously based on shipping destination, these trays corresponding to destinations having the earliest deadlines, and which the system indicate are ready for encoding, can be encoded before those having later deadlines. In the system being described encoding of the dollar amount by a power encoder 60 is normally permitted only after the dollar amounts of all documents in a tray have been entered into the computer data base and, in addition, all corresponding transactions have been determined to be properly balanced. Batch and/or block balancing may additionally be provided as a further check on proofing accuracy.

Of course, before a transaction can be balanced, the dollar amounts of its documents must be entered into the computer data base. The images of those documents which still require dollar amount entry after being processed by the document processor 32 are sent by the storage and retrieval unit 40, via a local area network 52, to image workstations 50.

As shown in FIG. 1, the illustrated system includes a plurality of image workstations 50 which, in response to receiving images from the storage and retrieval unit 40, serve as the primary operator interface for entering dollar amounts and correction data into the computer data base, and for balancing transactions. The workstations 50 communicate with the computer 34 via network 52 and the storage and retrieval unit 40. Accordingly, data generated at the workstations 50 is sent to the computer 34 by first sending the data, via network 52, to storage and retrieval module 40, which then sends the data, via network 42 and communication processor 34a to the computer 34.

As will be described in further detail hereinafter, the workstations 50 are divided by function into various types: one type of workstations is used to key in dollar amounts by viewing document images; a second type provides for the correction of MICR code lines, while also providing for amount entry if required; a third type is used to balance transactions; and a fourth type cooperates with a printer to provide text and image hard copy output.

It will be appreciated that proofing (transaction balancing) is required to correct any transaction errors which may be present (to the extent possible) before the checks are encoded by power encoder 60 and shipped to their proper destinations. The transaction documents sorted to the reject pocket by the document processor 32 also have to be entered into the computer data base, since they also belong to transactions which are to be balanced. These rejects are handled by a well known procedure known as reject reentry. The power encoder 60 may be operated in a reject reentry mode for entry of reject data into the computer data base.

When the transactions corresponding to the documents in a pocket tray which require encoding have been determined to be balanced, the pocket tray may then be taken from the holding area to the power encoder 60, which communicates with the computer 34 via communication link 62 and communication processor 34a. An operator places the documents from the tray into the input hopper of the power encoder 60 and initiates operation. As the documents pass through the power encoder 60, each pocket separator signals the computer 34 to send to power encoder 60 the amount data for the sequence of checks which follows the pocket separator. The power encoder 60 then encodes the sequence of checks accordingly, using an appropriate printer (not shown). The power encoder 60 may also provide for further sorting of checks based on, for example, destination data contained in the MICR code line, or in response to sorting data derived from the host computer 34. The checks are thus made ready for shipment to their appropriate destinations. Any checks not fed to the power encoder 60, or those checks rejected thereby, are added to their respective group for shipping. The sorting may also be used to remove other types of transaction documents (such as pocket separators, deposit tickets and cash-in and -out slips) by sorting them to a separate pocket. Typically, a cash letter accompanies each shipped group indicating the number and amount of the checks in the group.

Description of Specific Features

Having generally described the exemplary check processing system of FIG. 1, various important advantageous features of the system will next be considered.

Layered Software Architecture.

As illustrated in FIG. 8, the software architecture provided for the system of FIG. 1 advantageously employs a layered software architecture comprised of application programs, system services and native operating system which permit the system to serve as a hardware platform applicable to various types of document processing systems. This layered software architecture also permits the cooperative performance of the hardware to be tailored for maximum productivity.

A particular application is composed of application programs that run on different units in the system, each application program being written in the language best suited to its own particular operating environment.

FIG. 9 illustrates the manner in which such application programs are distributed throughout the system of FIG. 1. It will be seen that application programs (indicated in black) execute on the document processor 32, the host computer 34, the image workstations 50, and the power encoder 60, each of these units having its own native unit operating system.

The system services (FIG. 8) are a library of commands that may be called by application software programs so as to provide an interface between these application programs and the native unit operating systems. More particularly, system service calls are made in the application programming language and provide the ability to interact with all system hardware components and native operating systems. System services provide this interaction independent of any other programming language or operating system restrictions. When a service is requested, the request is translated into commands that the particular involved hardware uses to perform the function.

It will be understood that the system software (application programs, operating systems, system services) may be provided in firmware (ROM), may be loaded into random access memory (RAM), or may be a combination of both. Preferably, the host computer contains the application program software and transfers appropriate portions to the various hardware components during system initialization. As indicated in FIG. 9, this facilitates customizing system operation to the requirements of a particular document processing system.

A more specific representation of the layered software architecture employed for the system of FIG. 1 is illustrated in FIG. 10, which diagrammatically shows the four categories into which system software is divided: application programs, system services, communication services (which is a subset of system services), and native operating systems. A summary of each of these categories is presented below:

    ______________________________________
    Application programs
                     Enable the system to
                     perform specific tasks
                     useful to the end user.
                     Application programs call
                     system services to perform
                     program functions.
    System services  Provide a uniform interface
                     between application
                     programs and system
                     hardware native operating
                     systems. The system
                     services are a commandable
                     system software language
                     which enable applications
                     written in different
                     programming languages to
                     communicate with each
                     other and with the native
                     operating systems.
    Native Operating Drive the hardware
    systems          components and interfaces
                     to application programs via
                     the system services.
                     Application programs are
                     written to work with
                     specific system services.
    ______________________________________

    ______________________________________
    Type of Service  Function
    ______________________________________
    Communication    Provides a mechanism for
                     message-based interprogram
                     and intertask
                     communications among
                     components.
    File-Related     Provides the ability to
                     store and retrieve images
                     and other forms of
                     information such as object-
                     code files and program-
                     defined document
                     information.
    Image            Provides the ability to
                     manipulate document images.
    Image Capture    Supports the application
                     software on the document
                     processor 32 involved in
                     image capture.
    Keyboard         Provides an application
                     with the means to access
                     keyboards.
    Nationalization  Enables applications to
                     choose what language and
                     conventions are to be used
                     for image workstation
                     messages.
    Notice           Supports the handling and
                     distribution of notices
                     (messages about specific
                     system events) in the
                     system.
    Print-Related    Provides the ability to
                     generate hard-copy reports
                     and images.
    Program Management
                     Provides the ability for a
                     program executing at one
                     location in the system to
                     initiate the execution of
                     programs at image
                     workstations 50, read the
                     status of programs, and
                     terminate programs.
    Session Management
                     Provides a basis for
                     supervising, coordinating,
                     and controlling the actions
                     of image workstation
                     operators.
    System Directory Provides information about
                     the configuration of the
                     system.
    Unit Management  Provides the means to
                     acquire information about
                     system components.
    Window-Related   Enables an application
                     program to manage and
                     manipulate image
                     workstation windows.
    ______________________________________

    ______________________________________
              Doc.    Stor. &  Image         Host
    Type of   Proc.   Retr.    Workst.
                                      Print  Comp.
    Service   32      Unit 40  50     Workst.
                                             34
    ______________________________________
    Communication              P/A    P/A    P/A
    File-Related      P        A      A      A
    Image                      P/A    P/A    P/A
    Image Capture
              P/A
    Keyboard                   P/A    P/A
    Nationalization            P/A
    Notice                     A      A      P/A
    Print-Related              P/A    P/A    P/A
    Prog. Mgt.                 P/A    P/A    A
    Session Mgt.               P/A    P/A    A
    Sys. Dir.                  A      A      P/A
    Unit Mgt. P       P        P/A    P/A    P/A
    Window Rel.                P/A
    ______________________________________

    ______________________________________
    System unit 51   Houses the System Processor
                     52, power supply, cooling
                     fan, I/O bus, two serial
                     ports, a parallel
                     interface, and expansion
                     card slots (e.g., for
                     expansion memory).
    System Processor 52
                     Contains the microprocessor,
                     memory, and the interface
                     for the keyboards. It also
                     provides socket access to
                     the I/O bus.
    Disk-drive Controller 53
                     Provides the interface for
                     the diskette drive 60 and
                     the fixed-disk drive 61.
    Workstation LAN  Buffers image packets sent
    (Local Area Network)
                     from the Storage and
    Controller 54    Retrieval unit 40 (FIG. 1)
                     before they are displayed
                     on the monitor 59. Executes
                     the communications protocol
                     between the image
                     workstation and the Storage
                     and Retrieval Unit 40.
    Image Decompressor 55
                     Decompresses images (i.e.,
                     reverses the compression
                     process that took place in
                     the document processor 32).
    Display Controller 56
                     Generates graphics, manages
                     display memory, defines the
                     screen size, and enables
                     document image manipulation
                     for the high-resolution
                     display monitor 59.
    Alphanumeric keyboard
                     Enables operators to per-
    (optional) 57    form basic text processing.
    Data-entry and function
                     Supports high-speed data
    keyboard 58      entry tasks and provides
                     various function controls.
    High-resolution display
                     Displays images in four
    monitor 59       gray levels.
    Diskette drive 60
                     Enables the operator to
                     perform read and write
                     operations on a 3 1/2-inch
                     floppy disk
    Fixed-disk drive 61
                     Provides high storage
                     capacity at the
                     workstation.
    ______________________________________

    ______________________________________
    Actual Input Sequence
                       Displayed Sequence
    ______________________________________
    1.    deposit 10.00        1.  deposit
                                         10.00
    2.    check   10.00        3.  deposit
                                         50.00
    3.    deposit 50.00        5.  check 30.00
    4.    check   20.00        2.  check 10.00
    5.    check   30.00        4.  check 20.00
    6.    deposit 95.00        6.  deposit
                                         95.00
    7.    check   95.00        8.  deposit
                                         105.00
    8.    deposit 105.00       10. deposit
                                         35.00
    9.    check   105.00       7.  check 95.00
    10.   deposit 35.00        9.  check 105.00
    11.   check   35.00        11. check 35.00
    ______________________________________

    ______________________________________
    KEYING           TRANSACTION LEVEL
    ______________________________________
    Transpositions   Double Posted Items
    Shifted Digits   DR Entered as CR,
    Extra Digits     CR Entered as DR
    Missing Digits   Misplaced Item
                     Extra Item
                     Missing Item
                     Common MICR Misreads
    ______________________________________

• Inventors
  Kern, Norman P.; Boone, Donald A.;
• Assignee
  Unisys Corporation (Blue Bell, PA)
• Published
  Aug-17-1993
• Current US Classes:
  705/45
• Application #
  420098
• International Classes
  G06F 015/30
• Field of Search
  235/379 235/380 235/470 235/471 364/521 364/406 364/408
• Examiner
  Shepperd; John
• Agent
  Cass; Nathan, Starr; Mark T.
• US Patent References:
  4027142
  4205780
  4264808
  4404649
  4510619
  4523330
  4555617
  4564752
  4807142
  4813077
  4829294
  4947321