System and method for canceling electronically deposited checks

Registers – Systems controlled by data bearing records – Banking systems

Reexamination Certificate

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Reexamination Certificate

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07832627

ABSTRACT:
A method of processing a check prior to electronically depositing the check includes steps of (a) attempting to print a cancellation mark on the check using an energy emitting ink, such as a luminescent ink, (b) radiating first energy, such as UV energy, toward the check, (c) determining whether second energy is emitted from the check as a result of the radiated first energy impinging upon the energy emitting ink present on the check, and (d) allowing the check to proceed to electronic deposit only if it is determined that the second energy is emitted from the check. Also, an apparatus for electronically depositing a check that implements the method.

REFERENCES:
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patent: 6201234 (2001-03-01), Chow et al.
patent: 6415336 (2002-07-01), Sansone
patent: 7000828 (2006-02-01), Jones
patent: 7137551 (2006-11-01), Crews et al.
patent: 7438219 (2008-10-01), Crews et al.
patent: 2003/0009420 (2003-01-01), Jones
patent: 2004/0262121 (2004-12-01), Chien et al.
patent: 2006/0202023 (2006-09-01), VanKirk et al.
patent: 2006/0261155 (2006-11-01), Templeton et al.

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