IBM 3890
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IBM introduced the 3890 High Speed Document Processor in 1973. This piece of equipment is used by financial institutions to sort and tally all cheques, utility payment and gift certificates at the end of each banking day. The machine reads the magnetic ink characters (MICR) that are encoded on the bottom of each document. This code line facilitates totalling the cheques and sorting them into pockets. The document process is designed to feed at a rate of 2400 six inch cheques per minute.
An application called Check Processing Control System is run on a main frame. It receives the data from the document processor and can store information from the cheques, including the bank number, branch number, account number and the amount the check was written for.
The machine is made up of several modules, each performing specific task. At the far left of the machine is the control unit. Sort control programs and host connection are handled by an IBM PC server in the control unit. It links to all the electronic control systems and cabling that is required to operate the machine.
The next module is the left feed module. This section of the machine is where cheques are pulled into the transport path. The MICR line is magnetized and read in this part of the machine. The MICR information is passed to the control unit for additional processing. This module also has the ability to insert tracking documents into the stream of cheques in the transport.
The right feed module performs two functions. One is the input area, where up to 4800 cheques can be placed to be fed into the left module. Before this happens, all documents are “jogged” before they are moved into the transport. This process causes the cheques to be lined up better for feeding into the left feed module. The second function is the Programmable Item Number Endorse system. It is a high speed ink jet printer used to print document tracking number on each cheque which goes through the machine. At the same time an “endorsement” stamp is sprayed on to show which institution has handled the cheque.
After this, the document passes through two optional modules. To meet the requirements of the American Banking Association, one of the two must be used. Until October 2003, the only legal way to provide long term archiving of cheques was microfilm. This is one of the optional modules. High speed strobe lights illuminate the cheques and mirrors direct the lit image through a camera onto film. The front and back of the cheque, plus the item number are transferred to the film.
The other optional module is the Image Capture Processor (ICP). High speed digital scanners generate pictures of the front and back of the check. To keep up with the speed that documents move by the scanners, four PC’s are used – one cheque directed to one PC, the next to the second and so forth. These images are consolidated to a fifth PC which sends the images to a host computer system, where the digital images can be stored on hard disks. After this they can be backed up using magnetic tapes for long term archiving. As of October, 2003, these images, rather than the physical cheques, can be used when institutions needs to exchange cheque information.
The final component on a 3890 is the stacker modules. Each module has six pockets, and the machine support up to six stackers for a total of 36 pockets. The sort control program directs each document to the appropriate pocket. A cheque might be sorted according to the institution it is drawn against, a customer account, or a utility company. These pockets allow the physical cheques to be collected and stored in trays.
