Automated document cashing system
First Claim
1. An automated machine for an automated document handling system for dispensing cash to a system user comprising:
- a card receiver for receiving a card having an identification password associated therewith for identifying the user as a qualified user;
a document receiver in the machine for receiving a document inserted by the system user into the machine for which cash is expected to be dispensed;
a document scanner for scanning the received document;
a processor for receiving the document scanner input and generating an image thereof;
a display device coupled to the processor for displaying an image from the scanned document to the system user;
an entering device coupled to the processor for the system user to enter an amount relative to the amount on the document;
wherein the processor ascertains if an apparent signature from the document image is on the signature line of the document image in order to validate the document; and
a cash dispenser coupled to the processor operable after the user has been qualified and the document has been validated by the processor to dispense cash automatically to the system user.
5 Assignments
0 Petitions
Accused Products
Abstract
An automated document cashing system is provided with an automated machine that cashes monetary transaction documents such as checks, money orders, and that makes deposit entries into the bank account of the user after validation of the user and monetary transaction document, without the aid of a bank teller. Validation of the identity of the user is performed with the use of a card associated with intelligence that identifies the user. A biometric device also may be used in identifying the validity of the user. Validation of the document involves one or more of: validating the presence of a signature; validating the amount of the monetary transaction document including a manual entry of the amount by the user; validating CAR against the LAR; and validating the banking system parameters and rules for the customer and/or the transaction. To assist in the automatic analysis of data on monetary transactional documents or on remittance documents, the user is prompted to provide a bounding box about the data. An image touch screen may be touched by the user to locate the bounding box and the user may magnify the data to fill the boundary box to exclude other data from this analysis. After document and person validation, the system will dispense money or transfer monies to a savings account, a checking account, a smart card, or the like. The system will also write money orders or wire transfer money. By supplying monies in the form of cash, credit card authorization, smart card balance, or the like to the machine, the user can pay bills such as a utility bill through the system or purchase items dispensed by the system.
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Citations
90 Claims
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1. An automated machine for an automated document handling system for dispensing cash to a system user comprising:
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a card receiver for receiving a card having an identification password associated therewith for identifying the user as a qualified user;
a document receiver in the machine for receiving a document inserted by the system user into the machine for which cash is expected to be dispensed;
a document scanner for scanning the received document;
a processor for receiving the document scanner input and generating an image thereof;
a display device coupled to the processor for displaying an image from the scanned document to the system user;
an entering device coupled to the processor for the system user to enter an amount relative to the amount on the document;
wherein the processor ascertains if an apparent signature from the document image is on the signature line of the document image in order to validate the document; and
a cash dispenser coupled to the processor operable after the user has been qualified and the document has been validated by the processor to dispense cash automatically to the system user. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13)
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14. An automated machine for an automated document handling system for dispensing cash to a system user comprising:
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a card receiver for receiving a card having an identification password associated therewith for identifying the user as a qualified user;
a document receiver for receiving a document inserted by user into the machine for which cash is expected to be dispensed;
a document scanner for scanning the document;
a processor coupled to the document scanner for generating a document image;
a display device coupled to the processor to display a scanned image from the document to the machine user;
an entering device coupled to the processor for the system user to enter an amount relative to the document;
wherein the processor interprets a courtesy amount recognition line (CAR) and a legal amount recognition line (LAR) on the document image;
wherein the processor compares the CAR relative to the LAR and the amount entered by the system user relative to the LAR and CAR and provides a confidence level, the confidence level being compared to a threshold to validate the document and to cause a dispensing of cash; and
a cash dispenser coupled to the processor operable after the processor qualifies the user and after the processor validates the document to dispense cash automatically to the system user. - View Dependent Claims (15)
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16. A method for automatic banking for dispensing cash to a system user without a teller, the method comprising the steps of:
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providing an automated machine having a card receiver;
inserting a card having an identification password associated therewith identifying the user as a qualified user into the machine;
inserting a document into the machine and scanning the document to produce a second document image;
displaying an image from the scanned document to the machine user;
entering by the user into the machine an amount relative to the amount on the document;
reviewing the signature line of the document for the presence of a signature in order to validate the document; and
dispensing from a cash dispenser in the machine after qualifying the user and validation of document. - View Dependent Claims (17, 18, 19, 20, 21, 22, 23, 24, 25, 26, 27, 28, 29)
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30. A method for handling documents and for dispensing cash to a user from a machine without a teller, said method comprising:
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inserting a card having an identification password associated therewith for identifying the user as a qualified user into the machine;
receiving a document inserted by user into the machine in exchange for which cash is expected to be dispensed;
scanning the inserted document;
displaying a scanned image from the document to the machine user;
manually entering by the user into the machine an amount relative to the document;
machine interpreting a courtesy amount recognition line (CAR) and a legal amount recognition line (LAR) from the second document image;
and matching the amount entered by the machine user to the interpreted LAR and CAR amounts;
determining a confidence level;
comparing the confidence level to a threshold to determine if it is sufficient to validate the document and to cause a dispensing of cash; and
dispensing cash from the machine after qualifying the user and after validating the document. - View Dependent Claims (31)
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32. An automated machine for an automated document handling system for making bank deposits with a monetary document comprising:
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a card receiver for receiving a card having an intelligence associated therewith for identifying the user as a qualified user;
a document receiver in the machine for receiving the monetary document inserted by the system user into the machine from which a deposit is being made;
a document scanner for scanning the received document;
a processor for receiving the document scanner input and generating an image thereof;
a display device coupled to the processor for displaying an image from the scanned monetary document to the system user;
an entering device coupled to the processor for the system user to enter an amount to be deposited;
the processor reviewing images from a legal amount recognition line and a courtesy amount recognition line for a confidence level for acceptance of the user-entered amount;
the processor ascertaining if an apparent signature from the document image is on the signature line of the document image in order to validate the document; and
an acceptance of deposit indicator operable by the processor after qualification of the user and validity of the document to indicate proof of deposit to the system user. - View Dependent Claims (33, 34, 35, 36, 37)
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38. A method of making bank deposits with a monetary transaction document in an automated system without the use of a teller, the method comprising the steps of:
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providing an automated machine having a card receiver for receiving a card having an intelligence associated therewith for identifying the user as a qualified user;
inserting a monetary transaction document into the automated machine;
scanning the received document and generating an image therefrom;
displaying an image from the scanned monetary transaction document to the system user;
entering an amount by the user into the machine, which amount is to be deposited;
reviewing images from a legal amount recognition line and from a courtesy amount recognition line and reviewing the user-entered amount in a processor to provide a confidence level;
ascertaining if an apparent signature from the document image is on the signature line of the document image in order to validate the document; and
providing an acceptance of deposit to the user operable by the processor after qualification of the user and an acceptable confidence level with respect to the document. - View Dependent Claims (39, 40, 41, 42, 43, 44, 45)
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46. An automated banking system for receiving cash from a user and for dispensing cash to a user comprising:
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an automated machine having a card receiver for receiving a card which assists in identifying a user as being qualified to perform transactions with the machine;
a document receiver for receiving a monetary transaction document to be cashed;
a device for interpreting the amount on the monetary transaction document;
a signature analyzer for analyzing that a signature is present at the desired position on the monetary transaction document;
a cash dispenser in the automated machine for dispensing cash to the user;
an entering device for the user to enter the amount of the monetary transactional document;
a cash receiver for receiving cash and a cash analyzer for analyzing the amount of cash received from the user;
a cash storage device associated with the machine for receiving the cash being deposited by the user; and
a transactional operator for operation by the user to cause a dispensing of cash to the user or to perform a transaction upon deposit of sufficient cash by user for the requested transaction. - View Dependent Claims (47, 48, 49, 51)
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50. A method of automated banking for receiving cash from a user or for dispensing cash from the machine to the user comprising:
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providing an automated machine having a card receiver for receiving a card, which assists in identifying the user as being qualified to use the machine;
inserting a signed monetary transactional document into the machine;
providing a cash dispenser for dispensing cash to the user operable if needed;
depositing cash into the machine and automatically calculating the amount of cash which is being deposited into the machine;
analyzing the monetary transaction document for the presence of a signature;
entering manually by the user the amount of the monetary transaction document;
inquiring of the user what transaction is to be performed with the deposited cash or from the signed monetary transaction document; and
automatically deducting a fee for the transaction and displaying to the user the amount of the transaction fee. - View Dependent Claims (52, 53, 54)
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55. A method of operating an unattended banking machine for performing a number of banking transactions and other transactions by a user, comprising:
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providing an automated machine having a card receiver for receiving a card which identifies the user as being qualified to use the machine;
displaying to the user a list of selected, transactional options including withdrawal of cash option, a deposit of cash option, a cashing check option, a cashing money order option, a buying money order option, a wire transfer screen option, a bill payment option and purchasing option;
receiving a card and verifying the user as being qualified;
depositing a monetary transaction document in the machine, and scanning the monetary transaction document being deposited with respect to the amount on the document and for the presence of a signature on the document;
dispensing cash to the user if the user is entitled to cash and if the document and the user meet sufficient security confidence levels; and
printing a document showing the transaction, and fees for the transaction, and the amount of cash or being dispensed or deposited in the machine. - View Dependent Claims (56, 57, 58, 59, 60, 61, 62, 63, 64, 65)
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66. A system for automatic cashing of checks or making remittance transactions without the aid of bank teller or the like, comprising:
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an automated machine for receiving a document having data thereon for the transaction;
a scanning device in the machine for scanning the document and providing an image from the document to the user;
a user validator for validating the user with a security confidence level;
a document validator for validating the document with a security confidence level;
a manual entry device operable by the user to enter an amount with respect to the document and the transaction to be performed;
a cash dispenser associated with the machine for dispensing cash when the user and document have sufficient security confidence levels; and
a boundary device operable by the user to locate data on the transaction document for automatic analysis. - View Dependent Claims (67, 68)
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69. A system for automatic cashing of checks or making remittance transactions without the aid of bank teller or the like, comprising:
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an automated machine for receiving a document having data thereon for the transaction;
a scanning device in the machine for scanning the document and providing an image from the document to the user;
a user validator for validating the user with a security confidence level;
a document validator for validating the document with a security confidence level;
a manual entry device operable by the user to enter an amount with respect to the document and the transaction to be performed;
a cash dispenser associated with the machine for dispensing cash when the user and document have sufficient security confidence levels; and
a card writing device for adding a change amount onto a card to complete the transaction. - View Dependent Claims (70)
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71. A system for automatic cashing of checks or making remittance transactions without the aid of bank teller or the like, comprising:
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an automated machine for receiving a document having data thereon for the transaction;
a scanning device in the machine for scanning the document and providing an image from the document to the user;
a user validator for validating the user with a security confidence level;
a document validator for validating the document with a security confidence level;
a manual entry device operable by the user to enter an amount with respect to the document and the transaction to be performed;
a cash dispenser associated with the machine for dispensing cash when the user and document have sufficient security confidence levels; and
the validator for the user includes a biometric device for analysis of a biometric characteristic of the user. - View Dependent Claims (72)
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73. A system for automatic cashing of checks or making remittance transactions without the aid of bank teller or the like, comprising:
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an automated machine for receiving a document having data thereon for the transaction;
a scanning device in the machine for scanning the document and providing an image from the document to the user;
a user validator for validating the user with a security confidence level;
a document validator for validating the document with a security confidence level;
a manual entry device operable by the user to enter an amount with respect to the document and the transaction to be performed;
a cash dispenser associated with the machine for dispensing cash when the user and document have sufficient security confidence levels; and
a MICR device for analysis of a MICR line with respect to the amount of a payroll check being cashed; and
a document validator comprises a device for analysis of the check issuer'"'"'s account number as authorized account. - View Dependent Claims (74)
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75. A method for automatic cashing of checks or making remittance transactions without the aid of bank teller or the like, comprising the steps of:
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providing an automated machine for receiving a document having data thereon for the transaction and a processor for the system;
scanning the document and providing an image from the document to the user;
validating with the processor that the user has a sufficient security confidence level;
validating with the processor the document as having a sufficient security confidence level;
operating a manual entry device at the machine to enter an amount with respect to the document and the transaction to be performed; and
bounding data on the transaction document by operations of the user to locate data for the processor for an automatic analysis by the processor; and
dispensing cash when the user and document have validated security confidence levels. - View Dependent Claims (76, 77)
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78. A method for automatic cashing of checks or making remittance transactions without the aid of bank teller or the like, comprising the steps of:
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providing an automated machine for receiving a document having data thereon for the transaction and a processor for the system;
scanning the document and providing an image from the document to the user;
validating with the processor that the user has a sufficient security confidence level;
validating with the processor the document as having a sufficient security confidence level;
operating a manual entry device at the machine to enter an amount with respect to the document and the transaction to be performed; and
dispensing cash when the user and document have validated security confidence levels in bills of certain denominations; and
writing change on a card of the user to complete the cash transaction. - View Dependent Claims (79)
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80. A method for automatic cashing of checks or making remittance transactions without the aid of bank teller or the like, comprising the steps of:
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providing an automated machine for receiving a document having data thereon for the transaction and a processor for the system;
scanning the document and providing an image from the document to the user;
validating with the processor that the user has a sufficient security confidence level;
validating with the processor the document as having a sufficient security confidence level;
operating a manual entry device at the machine to enter an amount with respect to the document and the transaction to be performed; and
analyzing a biometric characteristic of the user as part of the validation of the user; and
dispensing cash when the user and document have validated security confidence levels. - View Dependent Claims (81)
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82. A method for automatic cashing of checks issued by a previously authorized issuer entity without the aid of bank teller or the like, comprising the steps of:
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providing an automated machine for receiving a document having data thereon for the transaction and a processor for the system;
scanning the document and providing an image from the document to the user;
validating with the processor that the user has a sufficient security confidence level;
validating with the processor the document as having a sufficient security confidence level;
operating a manual entry device at the machine to enter an amount with respect to the document and the transaction to be performed; and
reading a MICR line to establish the cash amount of the monetary transaction document generated by the authorized issuer;
analyzing the issuer'"'"'s account number as being an authorized account for the issuer entity; and
dispensing cash when the user and document have validated security confidence levels. - View Dependent Claims (83)
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84. A method for automatic handling of checks without the aid of bank teller or the like, comprising:
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providing an automated machine for receiving a document having data thereon for the transaction and a processor for the system;
scanning the document to produce a document image and dissecting the image;
entering the check amount by the user;
validating with a processor that the user has a sufficient security confidence level;
performing several field evaluations from the dissected image with respect to the amount of the check;
making a list of amount results ranked by confidence level from a plurality of field evaluations;
providing rules for arbitration of the check transaction;
arbitrating a transaction in response to the user-entered check amount and the respective field amount results using the rules; and
performing the transaction when the transaction arbitration has been satisfied. - View Dependent Claims (85, 86, 87, 88, 89, 90)
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Specification