the solution was simple
the banking system offered two options for entering the bar-code information
option1 . normal option . It expects here the full number codes ( not the dash ) as
846900000007778900240202240500002490614730212071
but there is an option 2 ( use optical bar code reader ) where the code, as read from your program is accepted as 84690000000778900240202405000024961473021207
So I am sorry to have bothered you with an "user ignorant" question.
once again my congratulations for the speed and accuracy of program.
thanks
juan abba