Check authorization system and method

Details Check authorization system and method Check authorization system and method

2006-02-28

2006-02-28

Jung, David (Department: 2134)

Cryptography

Video cryptography

Video electric signal modification

C380S022000, C380S051000

Reexamination Certificate

active

07006632

ABSTRACT:
A self-authenticating check authorization system and method includes a check that has standard bank and account information printed on the MICR line, as well as a one-way hash value that is computed based on the standard bank and account information as well as a personal identification code of a customer. The scanned MICR line data is provided to a check verifier, which also receives the personal identification code from the customer. The check verifier performs a hashing algorithm on the received data, and compares the computed hash value to a hash value obtained from the scanned MICR line data. If there is a match, the check is verified; if not, the check is not verified.

REFERENCES:
patent: 6170744 (2001-01-01), Lee et al.
http://www.webopedia.com/TERM/O/one-way—hash—function.html.
http://www.topssoft.com/Products/Add-Ons/DigSig.htm.
http://www.psipay.com/micr.htm.
A system for automatic extraction of the user-entered data from bankchecks Koerich, A.; Lee Luan Ling; Computer Graphics, Image Processing, and Vision, 1998. Proceedings. SIBGRAPI '98. International Symposium on Oct. 20-23, 1998 Page(s):270-277.
A microprocessor-based optical character recognition check reader Chin, F.; Wu, F.; Document Analysis and Recognition, 1995., Proceedings of the Third International Conference on vol. 2, Aug. 14-16, 1995 Page(s):982-985 vol. 2.
Manufacturing the ERMA banking system: lessons from history McKenney, J.L.; Fisher, A.W.; Annals of the History of Computing, IEEE vol. 15, Issue 4, 1993 Page(s):7-26.
“Standard 006: Standards and Specifications for MICR-Encoded”,RULES, Online, (May 25, 2000) pp. 1-14.

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