Electronic checkbook register

• US 20040236647A1
• Filed: 05/23/2003
• Published: 11/25/2004
• Est. Priority Date: 05/23/2003
• Status: Abandoned Application

• Current Assignee: Bank One Delaware NA (JP Morgan Chase & Co)
• Original Assignee: Bank One Delaware NA (JP Morgan Chase & Co)
• Inventors: Acharya, Ravi
• Application Number:
  US10/443,879
• Publication Number:
  US 20040236647A1
• Time in Patent Office: Days
• US Class Current: 705/30
• CPC Class Codes: G06Q 20/0425 the cheque being electronic only
• CPC Class Codes: G06Q 20/4014 Identity check for transactions
• CPC Class Codes: G06Q 40/12 Accounting
• CPC Class Codes: G07F 19/20 Automatic teller machines [ATMs]
• CPC Class Codes: G07F 19/201 Accessories of ATMs
• CPC Class Codes: G07F 19/205 Housing aspects of ATMs
• CPC Class Codes: G07F 7/005 Details or accessories
• CPC Class Codes: G07F 7/08 by coded identity card or credit card or other personal identification means without personal verification means G07F7/02
• CPC Class Codes: G07F 7/0833 Card having specific functional components
• CPC Class Codes: H04L 67/306 User profiles

Abstract

An electronic checkbook register is provided. The electronic checkbook register comprises a checkbook operatively connected to a display, one or more input devices, and a processor. The processor is programmed to receive financial data input from a user at the one or more input devices, process the financial data, output processed financial data to the display device, and synch the financial data with account information stored at a remote banking computer. The input devices can include a touch-sensitive pad beneath the checks and/or a pen detector or built-in optical sensor configured to detect a user'"'"'s handwriting and pass the handwriting information to the processor. The processor can store financial information in a memory module operatively connected to the processor. Further provided is a system, method, and computer-readable medium for operating the above-described invention.

Claims

1. An electronic checkbook register, comprising:

a checkbook comprising one or more checks;

an electronic display device operatively coupled to the checkbook;

a user input device for capturing written user input; and

a processor operatively connected to the display device and the user input device, the processor adapted to;

receive financial data input by a user to the user input device;

process the financial data; and

output the processed financial data to the display device.

2. The electronic checkbook register of claim 1, further comprising a card sleeve for storing one or more financial cards.

3. The electronic checkbook register of claim 1, wherein the processor is further adapted to synchronize the financial data with a personal financial manager (PFM) tool.

4. The electronic checkbook register of claim 3, wherein the processor is further adapted to automatically set up a personal financial manager (PFM) tool so that the personal financial manager (PFM) tool can accept, process, and organize account and transaction information received from the electronic checkbook register.

5. The electronic checkbook register of claim 1, wherein the user input device is configured to capture check information entered by the user on a check and pass the captured information to the processor, and wherein the user input device comprises at least one of:

a pressure-sensitive device;

an optical reader;

a pen device comprising a writing tip and at least one detector; and

a means for manually key-entering the check information.

6. The electronic checkbook register of claim 1, further comprising a memory operatively connected to the processor, wherein the processor processes the captured check information and stores the resulting processed information in the memory.

7. The electronic checkbook register of claim 1, wherein the processor is further adapted to perform handwriting recognition to convert said captured information into alphanumeric symbols corresponding to the check information entered by the user.

8. The electronic checkbook register of claim 1, further comprising a writing utensil, wherein said user input device comprises a pressure-sensitive pad coupled to said one or more checks, and wherein said pad is configured to:

detect pressure of the writing utensil when the writing utensil exerts pressure against one or more checks flush against the pad;

generate check information based on detecting the pressure; and

pass the generated check information to the processor.

9. The electronic checkbook register of claim 8, further comprising a memory operatively connected to the processor, wherein the processor stores the generated check information in the memory.

10. The electronic checkbook register of claim 8, wherein the processor is programmed to convert said generated check information into alphanumeric symbols representing the check information.

11. The electronic checkbook register of claim 1, further comprising:

a second electronic display on an outside cover of the electronic checkbook register.

12. The electronic checkbook register of claim 1, wherein said second electronic display is configured to display at least one of the current time, the current date, the user'"'"'s name, and the user'"'"'s nickname.

13. The electronic checkbook register of claim 1, wherein said financial data input comprises a payee and an amount of money.

14. The electronic checkbook register of claim 1, wherein processing the financial data comprises calculating at least one of a current balance, an available balance, and a balance after all pending checks have cleared.

15. The electronic checkbook register of claim 1, wherein the processor is further adapted to synchronize the financial data with account information stored at a remote banking computer.

16. The electronic checkbook register of claim 15, wherein the processor is adapted to synchronize by:

receiving account information from the remote banking computer;

processing the account information; and

updating the processed financial data based on the processed account information.

17. The electronic checkbook register of claim 16, further comprising at least one of a wireless transmitter and wireless receiver for wireless communication with the remote banking computer.

18. The electronic checkbook register of claim 16, wherein the wireless communication uses at least one of Bluetooth, SMS, WiFi, and WAP protocol.

19. The electronic checkbook register of claim 16 further comprising at least one port for communicating with a remote banking computer.

20. The electronic checkbook register of claim 16, wherein said at least one port is at least one of a USB port, a firewire port, a serial port, a parallel port, and an infra-red port.

21. The electronic checkbook register of claim 1, wherein the display is configured to have a screen saver mode for limiting power consumption, and wherein the screen saver mode is configured to display marketing information.

22. A system for managing an electronic checkbook register and one or more deposit accounts, comprising:

an electronic checkbook register comprising a processor operatively connected to;

a checkbook;

one or more displays;

one or more input devices for receiving check information from a user; and

a first memory storing first account information;

a remote computer comprising a second memory storing second account information; and

a communications network between the electronic checkbook register and the remote computer for transmitting at least one of;

the first account information from the electronic checkbook register to the remote computer; and

the second account information from the remote computer to the electronic checkbook register.

23. The system of claim 22, wherein the communications network is a wireless network.

24. The system of claim 22, wherein the communications network is a wired network.

25. The system of claim 22, wherein the first account information is transmitted from the electronic checkbook register to the remote computer, the second memory of the remote computer storing the second account information, and the remote computer further comprises a second processor configured to process the first account information and generate third account information based on the first account information and the second account information.

26. The system of claim 22, wherein the first account information is check information, the second account information is bank account information, and the third account information is updated check information.

27. The system of claim 26, wherein the third account information is displayed at the one or more displays.

28. The system of claim 22, wherein the second account information is transmitted from the remote computer to the electronic checkbook register processor, and the electronic checkbook register processor is adapted to process the first account information and generate third account information based on the first account information and the second account information.

29. A method for processing user financial information comprising:

receiving user input from one or more input devices operatively connected to a processor, wherein said user input comprises user writing including at least one of a payee and an amount of money on a check operatively connected to a processor and one or more display devices;

processing said user input;

calculating user-specific financial information based on said input, said user-specific financial information comprising at least one of a current balance, an available balance, and a balance after pending deposit account transactions have cleared; and

storing the user-specific financial information in a memory operatively connected to the processor.

30. The method of claim 29, said method further comprising:

receiving updated account information from a remote banking computer; and

processing the updated account information.

31. The method of claim 29, said method further comprising:

configuring a personal financial manager (PFM) tool to accept, process, and organize information stored in the memory.

32. The method of claim 29, said method further comprising:

receiving security preferences from the user at one or more of the user inputs;

transmitting an internal password to a remote banking computer;

receiving encrypted updated account information from the remote banking computer in accordance with the security preferences;

decrypting the updated account information; and

processing the updated account information.

33. The method of claim 32, wherein the remote banking computer is one of a personal desktop computer, a personal laptop computer, a remote banking server, or a computer belonging to a third party.

34. The method of claim 32, wherein the security preferences provide for:

storing the updated account information from the remote banking computer in a memory operatively connected to the processor;

preventing the updated account information from altering the user-specific financial information until the user enters a PIN at an input device operatively connected to the processor;

upon the user entering the PIN, processing the updated account information and updating the user-specific financial information with the updated account information.

35. The method of claim 32, said method further comprising:

receiving transaction field selections from a user, wherein the field selections govern which fields can be transmitted from a remote banking computer to the electronic checkbook register, and wherein the security preferences comprise requiring the remote banking computer to receive a password or PIN transmission from the electronic checkbook register before the remote banking computer can transmit the user-selected transaction fields to the electronic checkbook register.

36. The method of claim 32, said method further comprising:

at the request of the user, initiating a request by the electronic checkbook for the remote banking computer to transmit any updated account information;

authenticating the internal password of the electronic checkbook register by the remote banking computer; and

transmitting encrypted updated account information by the remote banking computer to the electronic checkbook register.

37. The method of claim 29, said method further comprising:

receiving a polling preference from the user at one or more input devices; and

polling at least one remote banking computer at specific time intervals in accordance with the user'"'"'s polling preference, said polling causing the one or more remote banking computers to check if any new transactions have posted to the account since the most recent polling.

38. The method of claim 30, said method further comprising:

receiving an updating preference from the user at one or more input devices; and

receiving encrypted updated account information from the remote banking computer in accordance with the updating preference.

39. The method of claim 38, wherein said updating preference is a preference for one of the following:

an automatic update, wherein updated account information is transmitted to the electronic checkbook register from the remote banking computer immediately after a new transaction record becomes available at the remote banking computer, and wherein any new transaction record is automatically accepted at the electronic checkbook register;

a PIN-based update, wherein the user must enter a PIN before any updated account information can be transmitted to the electronic checkbook register; and

a manual update, wherein the remote banking computer sends updated account information whenever the user chooses to contact the computer, and wherein the user must select to accept, reject, or reconcile any new transactions received with the updated account information.

40. The method of claim 30, wherein the updated account information is transmitted and received on one of a real-time and batch basis in accordance with at least one of XML, OFX, QFX, comma-delimited text, and any standard or proprietary format.

41. The method of claim 29, said method further comprising:

receiving account information from a remote computer;

processing the account information; and

passing the processed account information to an output device.

42. The method of claim 41, said method further comprising:

receiving one or more display preferences from the user at the one or more input devices, wherein the display preferences determine which fields will be displayed and/or how they will be displayed at the one or more display devices; and

processing the display preference,

wherein said step of passing said financial information to an output device is based on the display preference.

43. The method of claim 41, said method further comprising

receiving display preferences from the user at one or more of the user inputs, wherein the display preferences comprise a preference for one or more specific types of financial information to be displayed on a display device operatively connected to the processor;

generating at least one display output in accordance with the display preferences; and

passing the financial information to a remote computer.

44. The method of claim 29, said method further comprising:

receiving user preference information regarding displaying information on a display device operatively connected to the processor; and

displaying user financial information based on the display preference information.

45. The method of claim 29, wherein said security preferences comprise whether the user elects to require a PIN input to enable the display of specific fields of financial information at the display device.

46. A computer-readable medium encoded with computer program code to manage an electronic checkbook register, the program code effective to perform the following:

receiving user input from one or more input devices operatively connected to a processor, wherein said user input comprises user writing including at least one of a payee and an amount of money on a check operatively connected to a processor and one or more display devices;

processing said user input;

calculating user-specific financial information based on said input, said user-specific financial information comprising at least one of a current balance, an available balance, and a balance after pending deposit account transactions have cleared; and

storing the user-specific financial information in a memory operatively connected to the processor.

47. The computer-readable medium of claim 46, the program code further effective to perform the following:

receiving security preferences from the user at one or more of the user inputs;

transmitting an internal password to a remote banking computer;

receiving encrypted updated account information from the remote banking computer in accordance with the security preferences;

decrypting the updated account information; and

processing the updated account information.

48. The computer-readable medium of claim 47, wherein the security preferences provide for:

storing the updated account information from the remote banking computer in a memory operatively connected to the processor;

preventing the updated account information from altering the user-specific financial information until the user enters a PIN at an input device operatively connected to the processor;

upon the user entering the PIN, processing the updated account information and updating the user-specific financial information with the updated account information.

49. The computer-readable medium of claim 47, the program code further effective to perform the following:

receiving transaction field selections from a user, wherein the field selections govern which fields can be transmitted from a remote banking computer to the electronic checkbook register, and wherein the security preferences comprise requiring the remote banking computer to receive a password or PIN transmission from the electronic checkbook register before the remote banking computer can transmit the user-selected transaction fields to the electronic checkbook register.

50. The computer-readable medium of claim 46, the program code further effective to perform the following:

receiving a polling preference from the user at one or more input devices; and

polling at least one remote banking computer at specific time intervals in accordance with the user'"'"'s polling preference, said polling causing the one or more remote banking computers to check if any new transactions have posted to the account since the most recent polling.

51. The computer-readable medium of claim 46, the program code further effective to perform the following:

at the request of the user, initiating a request by the electronic checkbook for the remote banking computer to transmit any updated account information;

authenticating the internal password of the electronic checkbook register by the remote banking computer; and

transmitting encrypted updated account information by the remote banking computer to the electronic checkbook register.

52. The computer-readable medium of claim 46, the program code further effective to perform the following:

receiving an updating preference from the user at one or more input devices; and

receiving encrypted updated account information from the remote banking computer in accordance with the updating preference.

53. The computer-readable medium of claim 52, wherein said updating preference is a preference for one of the following:

an automatic update, wherein updated account information is transmitted to the electronic checkbook register from the remote banking computer immediately after a new transaction record becomes available at the remote banking computer, and wherein any new transaction record is automatically accepted at the electronic checkbook register;

a PIN-based update, wherein the user must enter a PIN before any updated account information can be transmitted to the electronic checkbook register; and

a manual update, wherein the remote banking computer sends updated account information whenever the user chooses to contact the computer, and wherein the user must select to accept, reject, or reconcile any new transactions received with the updated account information.

54. The computer-readable medium of claim 46, the program code further effective to perform the following:

receiving account information from a remote computer;

processing the account information; and

passing the processed account information to an output device.

55. The computer-readable medium of claim 46, the program code further effective to perform the following:

receiving user preference information regarding displaying information on a display device operatively connected to the processor; and

displaying user financial information based on the display preference information.

56. The computer-readable medium of claim 47, wherein said security preferences comprise whether the user elects to require a PIN input to enable the display of specific fields of financial information at the display device.