We developed a check reading system, termed INTERCHEQUE, which recognizes both the legal (LAR) and the courtesy amount (CAR) on bank checks. The version presented here is designed for the recognition of French, omni-bank, omni-scriptor, handwritten bank checks, and meets industrial requirements, such as high processing speed, robustness, and extremely low error rates. We give an overview of our recognition system and discuss some of the pattern recognition techniques used. We also describe an installation which processes of the order of 70,000 checks per day. Results on a data base of about 170,000 checks show a recognition rate of about 75% for an error rate of the order of 1/10,000 checks.

This paper presents the current state of the A2iA CheckReader TM -a commercial bank check recognition system. The system is designed to process the flow of payment documents associated with the check clearing process: checks themselves, deposit slips, money orders, cash tickets, etc. It processes document images and recognizes document amounts whatever their style and type -cursive, hand-or machine printed -expressed as numerals or as phrases. The system is adapted to read payment documents issued in different English-or Frenchspeaking countries. It is currently in use at more than 100 large sites in five countries and processes daily over 10 million documents. The average read rate at the document level varies from 65 to 85% with a misread rate corresponding to that of a human operator (1%).

The paper presents new A2iA bank check recognition systems designed to process handwritten and/or printed checks issued in France, UK or USA. All the systems have identical architecture and design principles, however, each of them contains a country-specific part and is trained with a country-specific data. Each system performs location, extraction, segmentation and recognition of courtesy-and legal amounts in a document image; as well as decision making to accept or reject the check. Recognition rate achieves 80-90%. In production mode, check acceptance rate is 60-75%, with misread rate corresponding to that of a human operator (close to 1%).

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