| 摘要 |
A bearer document processing system includes preparation, verification, redeeming and depositing of the document. An encrypted symbol is imprinted on the document using ink that is not visible in invisible light. The symbol includes information used to authenticate the document and to identify the bearer of the document. The document is scanned at a transaction point. The symbol can be decoded at transaction points or at a remote central processing station. Accounts involved in transactions are credited and debited using information contained in the encoded symbol and other information provided by the bearer and the acceptor of the document. Transactions are performed in essentially real-time, and the bearer is provided with evidence of a successful transaction. Although applicable to any type of bearer document such as stock certificates, money orders, the system is particularly applicable to processing bank checks in real-time and with the possibility of fraudulent transactions being minimized.
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