Xerox 6100BD - Phaser Color Laser Printer, Основы

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Generic MICR Fundamentals Guide 7-1
7. Problem solving
MICR problem investigations take different forms, depending on
the nature of the problem, the availability of actual problem
documents, and the willingness of the parties involved. Timely
problem identification and resolution is especially important for
products covered by the MICR Quality Guarantee.
When problem solving is required
New accounts
If the customer is opening a new account or validating a new
check issuance system, banks frequently request sample checks
for quality inspection and to verify MICR performance in a test
environment, before negotiable checks are circulated. Reject
rate investigations are less complicated at this stage because
the rejected documents are not negotiable and the parties are
already involved in document testing. When rejected characters
can be identified and studied, the reason for their rejection is
frequently obvious.
Existing applications
When an existing check application has an elevated reject rate,
the analysis is more difficult for the following reasons:
• Issued checks are negotiable and contain real customer data;
banks and customers may be unwilling to part with them.
• Banks typically track rejection rates by account, resulting in a
one to two month lag between printing and reports of
problems.
• Banks that receive checks with correction strips are reporting
rejections from another bank, earlier in the check processing
system. Therefore, rejected characters cannot be identified.