Patent ID: 7461775
Filing Date: 2008-12-09
Classification: G06Q

Abstract:
1. A method of correcting corrupted magnetic ink character recognition (MICR) indicia data, the method comprising: receiving over a network a first account number for a check drafted by a payor, the first account number obtained from MICR indicia on the draft check; receiving over the network a driver's license number associated with the payor in association with the first account number; storing in computer readable memory the first account number in association with the driver's license number; submitting the draft check for clearance, the submission comprising the first account number; receiving an indication that the draft check failed to clear at least in part because the first account number is corrupted; locating a database record for at least a previously cleared check associated with the driver's license number; reading a second account number, the second account number associated with the previously cleared check; comparing at least the corrupted account number with at least the second account number; determining if the second account number is a potential correct number for the corrupted account number, based at least in part on the comparison; and resubmitting the draft check for clearance, the resubmission comprising the second account number when the second account number is a potential correct number for the corrupted account number.