Bank of America Corporation

Ellen Anne O'Hare

Robert B Walker

Systems, methods, and computer program products are provided for automating the separation of a check and a stub attached to the check in a payment receiving and processing system. For example, one embodiment of the invention involves a computerized apparatus configured to receive a document image, locate a Magnetic Ink Character Recognition (MICR) line in the document image, and capture a check image by capturing a portion of the document image based at least partially on the location of the MICR line.

Electronic check and stub separation

Systems, methods, and computer program products are provided for integrating a mail receiving process with a payment processing system. Embodiments of the invention include a capture device configured to: (1) receive a plurality of payment-related mail items comprising a plurality of envelopes containing one or more items; (2) scan the plurality of envelopes and the items to obtain data about each of the plurality of payment-related mail items; (3) identify one or more exception situations regarding one or more payment-related mail items; (4) associate an exception indicator with the data obtained about the one or more payment-related mail items, wherein the exception indicator provides an indication as to an exception type selected from a plurality of exception types; and (5) communicate the data and the one or more exception indicators to a payment processing system. The payment processing system is configured to recognize the exception indicators and process the associated data based on the exception indicators.

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Darien, IL, United States of America

Ellen Anne O'Hare