AUTHORIZATION OF CHECK DEPOSITS

• US 20150127533A1
• Filed: 08/13/2012
• Published: 05/07/2015
• Est. Priority Date: 08/16/2011
• Status: Abandoned Application

• Current Assignee: Wincor Nixdorf International GmbH (Diebold Nixdorf, Incorporated)
• Original Assignee: Wincor Nixdorf International GmbH (Diebold Nixdorf, Incorporated)
• Inventors: Luecking, Oliver, Knebel, Kai
• Application Number:
  US14/239,485
• Publication Number:
  US 20150127533A1
• Time in Patent Office: Days
• US Class Current: 705/43
• CPC Class Codes: G06Q 20/042 characterized in that the payment protocol involves at least one cheque
• CPC Class Codes: G06Q 20/1085 involving automatic teller machines [ATMs]
• CPC Class Codes: G06Q 20/3223 Realising banking transactions through M-devices
• CPC Class Codes: G06Q 20/3255 using mobile network messaging services for payment, e.g. SMS
• CPC Class Codes: G06Q 20/3276 using a pictured code, e.g. barcode or QR-code, being read by the M-device
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 20/425 using two different networks, one for transaction and one for security confirmation
• CPC Class Codes: G06V 30/416 Extracting the logical structure, e.g. chapters, sections or page numbers; Identifying elements of the document, e.g. authors
• CPC Class Codes: G07F 19/202 Depositing operations within ATMs depositing in general G07D11/00

Abstract

A method for authorizing check deposits includes digitally recording a check; using digital image recognition methods to determine digital check data which describe the issuer, the recipient and the sum of the check; and authorizing the further processing of the check if one or more of the following steps are successful: a) checking, in a database protected from external access, whether the issuer of the check has cleared the recipient by comparing the digital check data with data from the database; and b) loading digital communication addresses of the issuer from a database protected from external access, transmitting the digital check data to the communication address with the request to digitally clear the check, and receiving digital clearance of the check from the issuer.

Claims

1. A method for authorizing check deposits, comprising the steps of:

digitally recording a check;

using a digital image recognition method to determine digital check data which describe the issuer, the recipient and the sum of the check;

authorizing the further processing of the check if one or more of the following steps are successful;

a) checking, in a database protected from external access, whether the issuer of the check has cleared the recipient or the check by comparing the digitally recorded check data with data from the database;

b) loading digital communication addresses of the issuer from a database protected from external access, transmitting the digital check data to the communication address with the request to digitally clear the check, and receiving digital clearance of the check from the issuer.

2. The method of claim 1, wherein the digital check data are transmitted by SMS, MMS, email or with a message containing a request to visit a web portal, and wherein the message is confirmed and the check is authorized by response SMS, MMS, email or by visiting a web portal and the clearance there.

3. The method of claim 1, wherein digital communication addresses are stored for the check recipient in a protected database, with the result that the recipient is additionally informed of the authorization process by sending digital messages.

4. The method of claims 1, wherein at least one of check number, name of the recipient, destination account number, destination account sort code, and digital image data for the check are stored in the database protected from external access and in which the issuer of the check has cleared the recipient.

5. The method of claim 1, wherein digital information is automatically sent both to the issuer and to the recipient at different points in the processing process in order to make the procedure more customer-friendly.

6. The method of claim 1, wherein the check is accepted by a self-service machine which digitally records the check and preferably also determines the check data using digital image recognition methods in order to then send this information, via a network, to an authorization system which controls the authorization of the further processing.

7. A system for authorizing check deposits, comprising the following components:

a digital recording unit for scanning a check;

a digital image recognition unit for determining the digital check data, which describe the issuer, the recipient and the sum of the check, using digital image recognition methods;

an authorization unit for clearing the further processing of the check, having network interfaces and a digital processing unit which are set up and designed in such a manner that further processing of the check is cleared if one or more of the following steps are successful;

a) the processing unit checks, in a database protected from external access, whether the issuer of the check has cleared the recipient or the check by comparing the digital check data with data from the database;

b) the processing unit loads digital communication addresses of the issuer from a database protected from external access, the digital check data are transmitted to the communication address with the request to digitally clear the check, and digital clearance of the check is received from the issuer.

8. The system of claim 7 set up to transmit the digital check data by SMS, MMS, email or to transmit a request to visit a web portal and to receive a confirmation message for authorizing the check by SMS, MMS, email or a message via the web portal.

9. the system of claim 7, wherein digital communication addresses are stored for the check recipient in a protected database, and wherein the processing unit informs the check recipient of the authorization process via the network interface by sending digital messages.

10. the system of claim 7, wherein one or more of the following data items are stored in the database which is protected from external access and in which the issuer of the check has cleared the recipient:

check number, name of the recipient, destination account number, destination account sort code, digital image data for the check.

11. The system of claim 7, wherein the processing unit and the network unit automatically send digital information both to the issuer and to the recipient at different points in the processing process in order to make the procedure more customer-friendly.

12. system of claim 7, wherein the check is accepted by a self-service machine which digitally records the check and preferably also determines the check data using digital image recognition methods in order to then send this information, via a network, to an authorization system which controls the authorization of the further processing.