A check processing apparatus, system and method for effectively and efficiently preventing illegal check use when processing sales transactions based on product information entered by an operator in a POS terminal computer including a scanning device for capturing an image of personal identification of the presenter of the check. The check processing apparatus includes means for reading check-specific information preprinted in magnetic ink on the check C and identifying the check; and a controller for evaluating the check-specific information. The scanning device is activated based upon the result of this evaluation. The scanning device may comprise a photo-ID scanner for capturing the image of identification.