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<br><br><div class="gmail_quote">On Fri, Feb 15, 2013 at 7:52 AM, Juergen Harms <span dir="ltr"><<a href="mailto:juergen.harms@unige.ch" target="_blank">juergen.harms@unige.ch</a>></span> wrote:<br><blockquote class="gmail_quote" style="margin:0 0 0 .8ex;border-left:1px #ccc solid;padding-left:1ex">
A positive remark about swiss banks! But errorproofness for swiss payment slips is also quite relative: (a) the long reference digit chains only have a very simple longitudinal 1-digit checksum that catches many, but not all errors that happen if you key them in manually and (b) all the OCR pograms that I have tested are far from perfect. And yes, for some time I tried to use one of these portable devices - they accumulate limited quality of scanning with limited quality of OCR conversion: between handling and checking I spent more time than I need for manual input and verification.<br>
</blockquote><div><br>OK, quite possible. I haven't tried those myself, I had only experience with the kiosks which work excellently. However, there the system does cross-check the scanned data against the various databases (e.g. valid account numbers) as well.<br>
</div><blockquote class="gmail_quote" style="margin:0 0 0 .8ex;border-left:1px #ccc solid;padding-left:1ex">
<br>
My recent error scenario illustrates this: my incorrectly keyed in digit string happened to not trigger a checksum error, hence was accepted by the ebanking system of my bank, but was then rejected by the destination bank because the string did not make sense to them.<br>
</blockquote><div><br>Arg. That's pain, indeed.<br> <br></div><blockquote class="gmail_quote" style="margin:0 0 0 .8ex;border-left:1px #ccc solid;padding-left:1ex"><br>
Generalisation: maybe the concepts I put to work allow to create similar tools / adjust the one I have made. I live part of my time in Austria - Austrian slips should not be too difficult to handle along such lines. And, maybe the mandatory introduction of IBAN input will create an incentive to banks to improve the readability of their slips.</blockquote>
<div><br>That I doubt - if the slips aren't standardized, whether or not an IBAN is there makes little difference :( Moreover, unlike Switzerland where the banks actually do work together somewhat, it is still a wild west elsewhere.<br>
<br>In Slovakia where I am from these slips are actually managed by the Post, originally as a mean to send money by post (you send a slip instead of cash) - that is what most people would know as a "check" there (classic personal checks were not used since the WWII or so). The Post has machines to automatically scan these. However, most companies send you a bill and either don't attach the slip (most banks don't accept them anyway, only the Post) or you must fill part of it by hand anyway. <br>
<br>In Denmark you even have an option for the bills/slips to arrive directly to your account with your bank, then you can pay them with a click of a mouse if you don't have an automatic debit agreement. <br><br>So I guess that it would always have to be an ad-hoc, country-specific hack. <br>
<br>Regards,<br><br>Jan<br><br></div><br></div><br>
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