AUTOMATED DOCUMENT CASHING SYSTEM
First Claim
1. A method of making bank deposits with a monetary transaction document for a transaction in an automated system without the use of a teller, the method comprising:
- providing an automated machine having a processor and a card receiver configured to receive a card having an intelligence associated therewith and to identify a system user as a qualified user;
inserting the monetary transaction document into the automated machine;
scanning the monetary transaction document and generating a document image therefrom;
displaying the document image to the system user;
entering an amount by the system user into the automated machine, which the amount is to be deposited;
reviewing images from a legal amount recognition (LAR) line and from a courtesy amount recognition (CAR) line and reviewing the amount entered by the system user by the processor to provide a confidence level;
ascertaining if an apparent signature from the document image is on a signature line of the document image; and
providing an acceptance of deposit to the system user operable by the processor after qualification of the system user and an acceptable confidence level with respect to the monetary transaction document.
2 Assignments
0 Petitions
Accused Products
Abstract
Validation of the identity of the user is performed with the use of a card associated with intelligence that identifies 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 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.
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Citations
19 Claims
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1. A method of making bank deposits with a monetary transaction document for a transaction in an automated system without the use of a teller, the method comprising:
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providing an automated machine having a processor and a card receiver configured to receive a card having an intelligence associated therewith and to identify a system user as a qualified user; inserting the monetary transaction document into the automated machine; scanning the monetary transaction document and generating a document image therefrom; displaying the document image to the system user; entering an amount by the system user into the automated machine, which the amount is to be deposited; reviewing images from a legal amount recognition (LAR) line and from a courtesy amount recognition (CAR) line and reviewing the amount entered by the system user by the processor to provide a confidence level; ascertaining if an apparent signature from the document image is on a signature line of the document image; and providing an acceptance of deposit to the system user operable by the processor after qualification of the system user and an acceptable confidence level with respect to the monetary transaction document. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8)
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9. An automated banking system for receiving cash from a user and for dispensing cash to the user in a transaction, the automated banking system comprising:
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an automated machine having a card receiver configured to receive a card which assists in identifying the user as being qualified to perform transactions with the automated machine; a document receiver configured to receive a monetary transaction document to be cashed; a device configured to interpret an amount on the monetary transaction document; a signature analyzer configured to analyze that a signature is present at a desired position on the monetary transaction document; a cash dispenser in the automated machine configured to dispense cash to the user; a cash receiver configured to receive cash; a cash analyzer configured to analyze an amount of the cash received from the user; a cash storage device associated with the automated machine configured to receive and store the cash received by the user; and a transactional operator configured to be operated by the user to at least one of, cause a dispensing of cash to the user, perform a requested transaction upon deposit of sufficient cash by the user for the requested transaction, perform a requested transaction upon deposit of a sufficient check by the user for the requested transaction, or any combination thereof. - View Dependent Claims (10, 11, 12, 13)
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14. A method of automated banking for receiving cash from a user or for dispensing cash from an automated machine to the user in a transaction, the method comprising:
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providing the automated machine having a card receiver configured to receive a card, which assists in identifying the user as being qualified to use the automated machine; inserting a signed monetary transaction document into the automated machine; providing a cash dispenser configured to dispense cash to the user if needed; depositing cash into the automated machine and automatically calculating an amount of cash which is being deposited into the automated machine; analyzing the signed monetary transaction document for the presence of a signature; and optionally, entering manually by the user an amount of the monetary transaction document. - View Dependent Claims (15, 16, 17, 18, 19)
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Specification