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Magnetic Ink Card Reader

Magnetic Ink Character Reader (MICR) is a method that allows unique characters written in the form of magnetic ink to be read and entered quickly into a computer. When a paper with this ink has to be read, it goes through a machine that attracts the ink and then converts its magnetic information into letters.

MICR is used to determine the legality or original of paper documents, particularly checks. MICR is widely used in banking since magnetic ink characters are really hard to fake, making them excellent for marking and recognizing checks.

Magnetic Ink Card Reader

A magnetic ink character Reader strip is a printing technology that allows a machine to read, manage, and record information.

The MICR lines are the series of characters and numbers found at the bottom on an inspection. It's made up of three numbers: the bank routing quantity, the account number, and the check's number. The sequence of number sets varies per nation. Each of these sets of digits serves as distinct identifiers for both the payment instrument and the individual who signs it.

MICR adoption can improve security and reduce losses due by certain forms of fraud. For example, if a fake check is created with a colour duplicating machine, its magnetic ink line will either not respond to the magnetic field nor will yield an inaccurate code when scanned with a reader-sorter that interprets the data contained in the magnetic print characters.

Unlike codes, MICR will be read rapidly by both machines and people.

Here are some things to consider:

  • Magnetic ink character Reader refers to the string of characters that appears in the bottom left corner of a personal check and includes the financial institution, routing, and check number.
  • MICR numbers are designed to be readable by both people and machines.
  • They are impossible to duplicate or replicate because they employ magnets and unique fonts.
  • The technology's benefits include better identification of fraudulent transactions and checking account automation.

How does MICR work?

  • MICR technology serves a crucial purpose in banking.
  • It allows the machine to scan a check and quickly enter the information into records, even if it lacks complex visual identification software.
  • Magnetic ink was the key to this approach.
  • To work, the magnetic ink line for numbers has to originate via a printer with employs magnetic ink or laser.
  • The microscopic magnetic traces in the pigment can then be read by other devices.
  • When a machine scans a check written with magnet ink, it can read the digits regardless of whether the characters are disguised by signatures, bank postage, or additional marks.
  • This innovative security feature uses a special font in along with magnetic ink. The E-13B typeface is most frequently employed in North America & the United Kingdom. The CMC-7 typeface is used at many institutions in South America and Europe.
  • The typeface is computer-readable while being legible enough for people to understand the markings, which include distinctive squares with stressed line that assist a computer in orienting the text.

MICR consists of routing, account, and check numbers:

  • The routing number consists of a nine-character code that identifies the bank to which the payment is drawn. Banks are assigned routing codes based on the jurisdiction in which they operate. For example, each check written by a Chase bank location in Florida possesses the same route number.
  • The account number is a 12-personality number that identifies the checking account connected with the check. For example, each invoice for the account in question at that bank bears the same number for the account.
  • The check code is an all three- or four-character identifier that identifies a check in a sequence of checks sent to an account holder.

Why use MICR?

Magnetic ink and character Reader are needed for filling out numerous financial transaction forms such as SIPs, investments, and even cash transfers. MICR can also be used to verify the validity and originality of tangible documents, such as checks. MICR has to be used as well to reduce the possibility of human mistake and to begin transactions more quickly, which is impossible with manual processing. Furthermore, MICR gives a better level of protection, preventing even the tiniest possibility of the documents being falsified. MICR is used by banking organizations to verify the authenticity and security of issued checks.

MICR Check Scanner

Each check presented is processed by a hub, a bank, or both.

They validate the check and execute the transaction by debiting one account while crediting another.

Reading the identification data on the piece of paper is part of the procedure. That procedure was mechanized using the MICR line.

A scanner or scanner referred to as a reader-sorter automated machine, processes the magnetic written data on checks, including the routing number as well, the number of the account, and check number.

Features of MICR Technology

One of the most significant benefits various magnetic ink and character Reader is the way it improves security and reduces losses caused by a variety of illegal activities like phishing, social engineering, hacking, and so on. It is a character Reader technology that bankers primarily utilize to simplify and expedite the processing and clearance of cheques and other physical documents. Magnetic ink & character Reader employ specialized magnetic markers and characters. Magnetic ink and Reader of characters are secure, dependable, rapid, and need less manual work.

Advantages of MICR Technology

MICR technology provides the following benefits:

  • Fraud levels have been reduced. The MICR line uses magnetic ink and distinct MICR typefaces to prevent some types of financial fraud. If the name of the check's payer changes, the MICR number remains the same, indicating the proper account owner. Furthermore, if someone attempts to duplicate a document, the MICR scanner fails to recognize the magnetic ink.
  • Accuracy. MICR characters may be read through markings like stamps and signatures due to the unique ink used to print them.
  • Processor speeds. A MICR reader allows for the rapid processing of checks.
  • Low mistake rates. Compared with other character identification systems, MICR has a low mistake rate. As reported by the technology evaluation site, one read mistake occurs for every 20,000 to 30,000 tests.
  • Security. MICR is safer than optical character detection because the scanned characters cannot be altered.

Disadvantages of MICR technology

However, MICR does have several downsides, including the following:

  • Only specific letters and symbols may be study, and it does not employ alphanumeric.
  • MICR printing is challenging due of its high specifications.
  • The use of iron oxide ink plus the stringent printing format might make the process costly.

Additional Applications of MICR Technology

MICR is widely used in banking for check the process, but it is also utilized in the following applications:

  • Financial papers in the U.S. include credit card invoices
  • Gift vouchers
  • Money orders
  • Remittance vouchers
  • Loan bonds
  • Rebate coupons


MICR code is a character Reader technique used in sectors such as banking and aviation to facilitate the processing of cheques and other documents. The MICR encoding (sometimes referred to as the MICR line) is located at the bottom of checks and other documents. It usually includes a bank code, a document type indication, a bank account number, a check amount, and an operational indicator. Magnetic Ink & Character Reader provides a rapid and dependable way for scanning and handling data from physical documents (particularly checks). It is most commonly used by banks. MICR is used to record and describe the operation of MICR. It also lowers physical paperwork for clearing processes. The MICR number is printed at the bottom of a check.