Financial institution system

• US 20030139994A1
• Filed: 01/22/2003
• Published: 07/24/2003
• Est. Priority Date: 01/22/2002
• Status: Abandoned Application

• Current Assignee: Cummins-Allison Corporation (Crane Company)
• Original Assignee: Cummins-Allison Corporation (Crane Company)
• Inventors: Jones, John E.
• Application Number:
  US10/348,819
• Publication Number:
  US 20030139994A1
• Time in Patent Office: Days
• US Class Current: 705/36
• CPC Class Codes: G06Q 20/341 Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
• CPC Class Codes: G06Q 20/4014 Identity check for transactions
• CPC Class Codes: G06Q 20/40145 Biometric identity checks
• CPC Class Codes: G06Q 40/06 Asset management; Financial planning or analysis
• CPC Class Codes: G07C 9/25 using biometric data, e.g. fingerprints, iris scans or voice recognition
• CPC Class Codes: G07F 19/20 Automatic teller machines [ATMs]
• CPC Class Codes: G07F 7/1008 Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system

Abstract

A financial institution system, including a financial institution terminal. The financial institution terminal includes a document imaging device that obtains an image of a personal identification document, which has a photograph of the person. An image taking device that obtains an image of a person who presented the personal identification document to the financial institution terminal is also included in the financial institution terminal. The system further includes a processor that receives the document image and person image from the financial institution terminal for review and further operates to perform a financial institution function requested by the person if it is determined that the photograph in the document image and the person image appear to be of the same person.

Claims

1. A financial institution system, comprising:

a financial institution terminal including a document imaging device that obtains an image of a personal identification document which includes associated therewith a photograph of a person and an image taking device that obtains an image of a person who presented the personal identification document to the financial institution terminal; and

a processor that receives the document image and person image from the financial institution terminal for review and further operates to perform a financial institution function requested by the person if it is determined that the photograph in the document image and the person image appear to be of the same person.

2. The financial institution system of claim 1, wherein the financial institution terminal includes a camera as the image taking device.

3. The financial institution system of claim 2, wherein the camera produces a video image of the personal identification document.

4. The financial institution system of claim 2, wherein the camera produces a digital image of the personal identification document.

5. The financial institution system of claim 1, wherein the financial institution function is a financial institution administrative function.

6. The financial institution system of claim 5, wherein the financial institution administrative function is the opening of a new account.

7. The financial institution system of claim 6, wherein the processor further functions to establish the new account for the person and the financial institution terminal functions to convey new account identification information to the person.

8. The financial institution system of claim 7, wherein the financial institution terminal includes means for receiving a monetary deposit in association with the opening of the new account.

9. The financial institution system of claim 8, wherein the monetary deposit is a cash deposit.

10. The financial institution system of claim 8, wherein the monetary deposit is an electronic funds transfer.

11. The financial institution system of claim 8, wherein the monetary deposit is a negotiable instrument deposit.

12. The financial institution system of claim 1, wherein the processor operates to perform a comparison between the photograph in the imaged document and the person image and further decides based on that comparison whether the photograph in the document image and the person image appear to be of the same person.

13. The financial institution system of claim 1, wherein the processor receives human input from bank personnel as to whether the photograph in the document image and the person image appear to be of the same person.

14. The financial institution system of claim 1, wherein the personal identification document also includes associated therewith a signature of the photographed person;

the financial institution terminal further including a signature acquisition device that obtains a signature of the person who presented the personal identification document to the financial institution terminal; and

the processor receiving the document image and person signature from the financial institution terminal for review and further operates to perform the financial institution function requested by the person if it is determined that the signature in the document image and the person signature appear to be made by the same person.

15. The financial institution system of claim 14, wherein the processor operates to perform a comparison between the signature in the imaged document and the person signature and further decides based on that comparison whether the signature in the document image and the person signature appear to be made by the same person.

16. The financial institution system of claim 14, wherein the processor receives human input from bank personnel as to whether the signature in the document image and the person signature appear to be made by the same person.

17. The financial institution system of claim 14, wherein the signature acquisition device comprises the document imaging device which is operable to image a signature card to obtain the person signature.

18. The financial institution system of claim 14, wherein the signature acquisition device comprises an electronic signature pad associated with the financial institution terminal.

19. The financial institution system of claim 1, wherein the financial institution terminal comprises a conventional financial institution automated teller machine (ATM).

20. The financial institution system of claim 1, wherein the financial institution terminal additionally performs financial institution functions associated with the operation of an automated teller machine (ATM).

21. The financial institution system of claim 1, further including a storage device for storing at least the person image in association with an account of that person, the image taking device of the financial institution terminal further obtaining a current image of a person requesting access to the account, the processor operating to allow access to the account as requested by the person if it is determined that the stored person image and the current person image appear to be of the same person.

22. The financial institution system of claim 21, wherein the processor operates to perform a comparison between the stored imaged and the current person image and further decides based on that comparison whether the stored image and the current person image appear to be of the same person.

23. The financial institution system of claim 21, wherein the processor receives human input from bank personnel as to whether the stored image and the current person image appear to be of the same person.

24. The financial institution system of claim 21, wherein the financial institution function comprises a financial institution administrative function performed against the accessed account.

25. The financial institution system of claim 1, wherein the financial institution terminal is remotely located from the processor.

26. The financial institution system of claim 25, wherein the financial institution terminal is located outside a bank office and the processor is located inside the bank office.

27. The financial institution system of claim 1, wherein the financial institution terminal further includes an authentication device operable to authenticate the personal identification document as a prerequisite to performing the financial institution function requested by the person.

28. The financial institution system of claim 1, wherein the personal identification document is a driver'"'"'s license.

29. The financial institution system of claim 1, wherein the photograph is viewable on a surface of the personal identification document.

30. The financial institution system of claim 1, further including a network communications link connecting the financial institution terminal to the processor.

35. The method of claim 1, wherein the step of performing a financial institution function comprises performing a financial institution administrative function.

36. The method of claim 35, wherein the step of performing a financial institution administrative function comprises the opening of a new account.

37. The method of claim 36, further comprising establishing the new account for the person and conveying new account identification information to the person.

38. The method of claim 37, further comprising receiving a monetary deposit in association with the opening of the new account.

39. The method of claim 38, wherein the step of receiving the monetary deposit comprises receiving a cash deposit.

40. The method of claim 38, wherein step of receiving the monetary deposit comprises receiving an electronic funds transfer.

41. The method of claim 38, wherein the step of receiving the monetary deposit comprises receiving a negotiable instrument deposit.

42. The method of claim 1, wherein the step of determining whether the photograph in the imaged document and the person in the person image are the same person comprises the step of performing a comparison by the processor and deciding, by the processor, based on that comparison, whether the photograph in the document image and the person image appear to be of the same person.

31. A method for performing an operation at a financial institution system, comprising:

obtaining an image of a personal identification document at a financial institution terminal, the personal identification document including a photograph of a person;

obtaining an image of a person who presented the personal identification document to the financial institution terminal by a document imaging device;

transmitting the document image and person image from the financial institution terminal to a processor;

determining whether the photograph in the document image and the person in the person image appear to be of the same person;

performing a financial institution function requested by the person if it is determined that the photograph in the document image and the person in the person image are the same person.

32. The method of claim 31, wherein the step of obtaining the image of a person comprises providing a camera to obtain the image.

33. The method of claim 32, wherein the step of obtaining the image of a person comprises obtaining a video image of the personal identification document.

34. The method of claim 32, wherein the step of obtaining the image of a person comprises obtaining a digital image of the personal identification document.

43. The method of claim 31, wherein the step of determining whether the photograph the in the imaged document and the person in the person image are the same person further comprises receiving human input from bank personnel as to whether the photograph in the document image and the person image appear to be of the same person.

44. The method of claim 31, further comprising:

obtaining a signature from the document image;

obtaining a second signature from a signature acquisition device that obtains a signature of the person who presented the personal identification document to the financial institution terminal; and

transmitting the document image and person signature from the financial institution terminal to the processor;

comparing the signature from the document image and the person signature; and

performing the financial institution function requested by the person if it is determined that the signature in the document image and the person signature appear to be made by the same person.

45. The method of claim 44, wherein the step of determining whether the signature in the imaged document and signature image are made by the same person comprises the step of performing a comparison by the processor and deciding, by the processor, based on that comparison, whether the signature in the document image and the signature image appear to made by the same person.

46. The method of claim 44, wherein the step of determining whether the signature in the imaged document and the signature image are made by the same person further comprises receiving human input from bank personnel as to whether the signature in the document image and the person signature appear to be made by the same person.

47. The method of claim 44, wherein the step of obtaining the person signature comprises obtaining an image a signature card by the document imaging device to obtain the person signature.

48. The method of claim 44, wherein the obtaining the person signature comprises receiving the signature on an electronic signature pad associated with the financial institution terminal.

49. The method of claim 31, further comprises performing financial institution functions associated with the operation of an automated teller machine (ATM).

50. The method of claim 31, further comprising:

storing at least the person image in association with an account of that person;

obtaining a current image of a person requesting access to the account;

determining whether the stored person image and the current person image are of the same person;

allowing access to the account as requested by the person if it is determined that the stored person image and the current person image appear to be of the same person; and

performing a financial institution function requested by the person if access has been allowed.

51. The method of claim 50, wherein the step of determining that the stored image and the current person image processor are of the same person comprises performing a comparison, by the processor, between the stored imaged and the current person image and deciding, based on that comparison, whether the stored image and the current person image appear to be of the same person.

52. The method of claim 50, wherein the step of determining that the stored image and the current person image processor are of the same person comprises receiving human input from bank personnel as to whether the stored image and the current person image appear to be of the same person.

53. The method of claim 50, wherein the step of performing a financial institution function comprises performing a financial institution administrative function against the accessed account.

54. The method of claim 31, comprising remotely locating the financial institution terminal from the processor.

55. The method of claim 54, wherein the step of remotely locating the financial institution comprises locating the financial institution terminal outside a bank office and locating the processor inside the bank office.

56. The method of claim 31, further comprising authenticating the personal identification document as a prerequisite to performing the financial institution function requested by the person.

57. A system, comprising:

a financial institution terminal including a customer identification reader that obtains a customer identification information from a customer identification card and a person characteristic acquisition device that obtains personal characteristic information regarding a person who presented the customer identification card to the financial institution terminal; and

a processor that receives the customer identification information and personal characteristic information from the financial institution terminal for review and further operates to perform a financial institution function requested by the person if it is determined that the customer identification information and personal characteristic information are consistent with each other.

58. The system of claim 57, wherein the customer identification reader is a document imaging device and the customer identification card includes associated therewith a photograph of a person which is obtained by the document imaging device, and wherein the person characteristic acquisition device is an image taking device that obtains an image of a person who presented the customer identification card to the financial institution terminal, and further wherein the processor receives the photograph image and person image from the financial institution terminal for review and further operates to perform the financial institution function requested by the person if it is determined that the photograph image and the person image appear to be of the same person.

59. The system of claim 57, wherein the customer identification reader is a card reader and the customer identification card includes associated therewith reference biometric data which is obtained by the card reader, and wherein the person characteristic acquisition device is a biometric sensor that obtains person biometric data of a person who presented the customer identification card to the financial institution terminal, and further wherein the processor receives the reference and person biometric data from the financial institution terminal for review and further operates to perform the financial institution function requested by the person if it is determined that the person biometric data is consistent with the reference biometric data.

60. The system of claim 57, wherein the customer identification reader is a card reader and the customer identification card includes associated therewith a reference image which is obtained by the card reader, and wherein the person characteristic acquisition device is an image taking device that obtains an image of a person who presented the customer identification card to the financial institution terminal, and further wherein the processor receives the reference image and the person image from the financial institution terminal for review and further operates to perform the financial institution function requested by the person if it is determined that the reference image and the person image appear to be of the same person.

61. The system of claim 57, further including a storage device for storing a reference image of persons having an account, wherein the customer identification reader is a card reader and the customer identification card includes associated therewith an account identification, and wherein the person characteristic acquisition device is an image taking device that obtains an image of a person who presented the customer identification card to the financial institution terminal, and further wherein the processor retrieves the stored reference image associated with identified account and receives the person image from the financial institution terminal for review and further operates to perform the financial institution function requested by the person if it is determined that the reference image and the person image appear to be of the same person.

62. The system of claim 57, wherein the customer identification reader is a document imaging device and the customer identification card includes associated therewith a signature of a person which is obtained by the document imaging device, and wherein the person characteristic acquisition device is a signature acquisition device that obtains a signature of the person who presented the personal identification document to the financial institution terminal, and further wherein the processor receives the document image and person signature from the financial institution terminal for review and further operates to perform the financial institution function requested by the person if it is determined that the signature in the document image and the person signature appear to be made by the same person.