Emergency Time Cash Machine

• US 20120325904A1
• Filed: 06/27/2012
• Published: 12/27/2012
• Est. Priority Date: 06/27/2011
• Status: Abandoned Application

• Current Assignee: Etta Harbin
• Original Assignee: Etta Harbin
• Inventors: Harbin, Etta
• Application Number:
  US13/534,097
• Publication Number:
  US 20120325904A1
• Time in Patent Office: Days
• US Class Current: 235/379
• CPC Class Codes: G06Q 20/042 characterized in that the payment protocol involves at least one cheque
• CPC Class Codes: G06Q 20/40145 Biometric identity checks

Abstract

An apparatus for processing a cashier'"'"'s check from home. A user may input account information into the apparatus that is verified with the user'"'"'s fingerprint prior. Once verified, the apparatus may issue a valid cashier'"'"'s check drawn on the user'"'"'s account from a lending institution such as a bank, and method of using the same.

Claims

1. An apparatus for processing a check, the apparatus comprising:

a housing unit;

a biometric processing element located on the housing unit comprising a fingerprint identification component and an authorization indicating component; and

a data entry element located on the housing unit;

a printing element located within the housing unit; and

a computer processing element located within the housing unit, wherein the computer processing element stores, encrypts, transmits, receives, and decrypts data.

2. The apparatus of claim 1, wherein the authorization indicating component comprises a series of display lights corresponding to a series of words that indicate a status of the check processing.

3. The apparatus of claim 2, wherein the series of words is comprised of at least one of the following words:

processing, verified, invalid, and complete.

4. The apparatus of claim 1, wherein the data entry element is comprised of at least one of the following:

a numeric keypad, a QWERTY keypad, or a touch screen.

5. The apparatus of claim 1, wherein the printing element is compatible with at least one of the following:

thermo-chromatic inks, photo-chromatic inks, time-sensitive inks, ultra-violet inks, or fluorescent inks.

6. The apparatus of claim 1, further comprising a battery.

7. An apparatus for authenticating a user and authorizing and processing a negotiable instrument, the apparatus comprising:

a housing unit;

a biometric processing element located on the housing unit, wherein the biometric processing element comprises a thumbprint identification component and an authorization indicating component; and

a numeric keypad located on the housing unit;

a printing element located within the housing unit;

a computer processing element located within the housing unit, wherein the computer processing element stores, encrypts, transmits, receives, and decrypts data; and

a power source.

8. The apparatus of claim 7, wherein the negotiable instrument is comprised of at least one of the following:

a bearer instrument, a banker'"'"'s check, a bank cheque, an official check, a demand draft, a bank draft, a teller'"'"'s check, a treasurer'"'"'s check, or a personal check.

9. The apparatus of claim 7, wherein the negotiable instrument is a cashier'"'"'s check.

10. The apparatus of claim 7, wherein the authorization indicating component comprises a visual signal and an audible signal.

11. The apparatus of claim 10, wherein the visual signal comprises a series of display lights and the audible signal is a tone.

12. The apparatus of claim 7, wherein the computer processing element transmits and receives data wirelessly.

13. The apparatus of claim 7, wherein the computer processing element transmits and receives data via a phone line, a fiber optic cable, or a land line.

14. The apparatus of claim 7, wherein the power source comprises an electric power cord.

15. A method of remotely printing a valid cashier'"'"'s check, the method comprising:

obtaining an apparatus for processing a cashier'"'"'s check;

identifying an account holder by entering user identifying information comprising an account number, a personal identification number, and an apparatus code;

loading an incomplete cashier'"'"'s check into the apparatus;

entering a numerical currency amount;

validating the availability of funds in the account;

verifying the identity of the account holder with a biometric identifier; and

issuing the completed cashier'"'"'s check.

16. The method of claim 15, wherein the apparatus code is unique to the apparatus.

17. The method of claim 15, wherein the biometric identifier is a thumb print from the account holder.

18. The method of claim 15, further comprising encoding any data transmitted by the apparatus, and decoding any data received by the apparatus.

19. The method of claim 15, further comprising erasing the biometric identifier data once the account holder'"'"'s identity has been verified.

20. The method of claim 15, wherein the incomplete cashier'"'"'s check comprises bank issued security paper stock.