What Is a Franker on a Check Scanner?
Uncover the "franker" in check scanners: learn what this crucial component is, how it works, and why its marks are vital for secure check processing.
Check scanners are common devices used in financial transactions, playing a significant role in modern banking and business operations. These machines efficiently convert paper checks into digital images for electronic processing. While many components work together within a check scanner, one integral yet often unseen part is the franker. This article will explain what a franker is and its function within the check scanning process.
What a Franker Is
A franker is a specialized mechanism within a check scanner that physically marks or endorses checks. It applies a distinct, permanent mark onto the document. This mark is typically an ink stamp, but some systems use perforations or digital endorsements. Frankers are often optional, included based on operational needs.
The franking mark usually contains a fixed message, such as “Electronically Presented,” often in red ink. This physical action differs from digital imaging. A franker ensures processing workflow integrity by providing a tangible indication of processing.
How Franking Occurs During Check Scanning
The franking process is timed within the check scanning workflow for accuracy and efficiency. When a check is fed into the scanner, it is first imaged, capturing both sides to create a digital representation. After digital capture and before ejection, the franker applies its physical mark. This ensures only successfully scanned documents are marked.
Franking involves an internal component, like an ink roller or franker cartridge, that contacts the check. Some frankers use a user-replaceable red ink stamp. This mechanical application synchronizes with the scanner’s software for precise placement and consistent marking. The system can be configured to frank all items, only items with valid Magnetic Ink Character Recognition (MICR) data, or under application control, offering flexibility.
The Purpose of Franking Marks
A franking mark provides a clear, visual indication that a check has been processed and electronically captured. This physical endorsement helps prevent accidental re-scanning or re-processing, reducing errors and potential fraud. For example, a franked check with “Electronically Presented” signifies its digital image has been created and sent for clearing.
Beyond preventing duplicate processing, franking marks contribute to an audit trail. The mark often includes information like date, financial institution ID, or scanner ID, providing verifiable transaction data. This data is valuable for reconciliation, resolving discrepancies, and meeting regulatory requirements for clear records. The physical mark allows operators to quickly confirm if a check has passed through the system, enhancing operational control and security.