METHOD AND SYSTEM OF PREVENTING DUPLICATE CHECK PRESENTATION

摘要

A computerized method and system of validating a check at presentment for payment includes executing imaging software and decoding software stored in a computer memory housed in a computer, generating pixel data from the encoded indicia on the instrument, digitizing the pixel data to generate digital pixel data, storing the digital pixel data in the memory, generating a data set by decoding the digital pixel data, and transmitting the data set to a server over a network, wherein the server is configured to execute validation software to determine if the negotiable instrument has been previously presented for payment. The computer then receives a validation indicator back from said server to display on the computer.

主权项

1. A system for determining if a negotiable instrument bearing an encoded indicia has been previously presented for payment, the system comprising:
a computer comprising: memory; a processor executing imaging software and decoding software stored in said memory; a camera comprising an image reader assembly configured to generate pixel data from the encoded indicia on the instrument, wherein the imaging software processes said pixel data to generate digital pixel data and stores the digital pixel data in said memory, wherein said processor executes said decoding software by receiving said digital pixel data from said memory and generates a data set from the encoded indicia; a transceiver in bi-directional communication with a server on a network, said server comprising a database and validation software, said transceiver transmitting said data set to said server over the network; wherein said server is configured to execute said validation software to determine if the negotiable instrument has been previously presented for payment.