Methods and apparatus for processing check transactions in self service customer checkout terminals
First Claim
1. A customer self service terminal, comprising:
- a customer interface for receiving inputs from a customer to allow the customer to conduct a transaction, the customer interface allowing the customer to issue and receive commands and information in order to complete the transaction; and
a check processing module for authenticating and verifying a check received from a customer in order to allow the customer to make payment and conclude the transaction, the check processing module being operative to capture an image of the check for transmittal to a cashier in order to allow the cashier to verify the check.
4 Assignments
0 Petitions
Accused Products
Abstract
Systems and techniques for managing check payments in self service transactions are described. A self service terminal accepts inputs from a customer to conduct a transaction and, upon an appropriate selection from a customer, accepts a check from the customer in settlement of the transaction. The terminal reads magnetically encoded information from the check, captures an image of the check and prepares a check record including the check information, transaction amount and check image. The terminal transmits the check record to a cashier at a remote cashier station. The cashier may use the check record, including the check image, to determine whether to approve or disapprove the transaction.
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Citations
21 Claims
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1. A customer self service terminal, comprising:
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a customer interface for receiving inputs from a customer to allow the customer to conduct a transaction, the customer interface allowing the customer to issue and receive commands and information in order to complete the transaction; and
a check processing module for authenticating and verifying a check received from a customer in order to allow the customer to make payment and conclude the transaction, the check processing module being operative to capture an image of the check for transmittal to a cashier in order to allow the cashier to verify the check. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8)
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9. A cashier station for receiving transaction information from a self service terminal, in order to allow a cashier to monitor a transaction conducted at the self service terminal, comprising:
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an external interface for receiving the transaction information and transmitting cashier entries for controlling the transaction; and
a cashier interface for presenting the transaction information to the cashier, the transaction information including a captured image of a check presented by the customer as payment for a transaction, the cashier interface being further operative to receive entries from the cashier for controlling the transaction and to pass the entries to the external interface for transmission to the terminal. - View Dependent Claims (10)
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11. A transaction processing system, comprising:
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a plurality of self service terminals, each terminal comprising a customer interface for receiving inputs from a customer to allow the customer to conduct a transaction, the customer interface allowing the customer to issue and receive commands and information in order to complete the transaction and a check processing module for authenticating and verifying a check received from a customer in order to allow the customer to make payment and conclude the transaction, the check processing module being operative to capture an image of the check, each terminal being further operative to prepare a transaction record including the image of the check for transmittal to a cashier; and
a cashier station communicating with each of the terminals, the cashier station being operative to receive the transaction record from each of the terminals, the cashier station being operative to display the check image included in the transaction record to allow a cashier to verify the check, the cashier station being further operative to receive entries from the cashier for controlling the transactions and to transmit control instructions to the terminals based on the entries. - View Dependent Claims (12, 13)
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14. A method of self service transaction processing, comprising the steps of:
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receiving customer inputs to enter items into a transaction and to conclude the transaction and tender payment;
receiving a selection from a customer to pay by check;
reading information from a check submitted by the customer;
preparing a check record including the information read from the check and the total amount of the transaction;
capturing an image of the check and adding the image to the check record; and
presenting the check record to a cashier at a remote cashier station to allow the cashier to use the check record to determine whether to approve or disapprove the transaction. - View Dependent Claims (15, 16, 17, 18, 19, 20, 21)
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Specification