Check dispensing terminal

• US 4,385,285 A
• Filed: 04/02/1981
• Issued: 05/24/1983
• Est. Priority Date: 04/02/1981
• Status: Expired due to Fees

• Current Assignee: NCR Corporation
• Original Assignee: NCR Corporation
• Inventors: Hale, William J., Horst, William R.
• Primary Examiner(s): Boudreau, Leo H.
• Application Number:
  US06/250,370
• Time in Patent Office: 782 Days
• Field of Search: 235/58 CW, 235/379-381, 340/825.3, 340/825.31, 340/825.32, 340/825.33, 340/825.34, 340/825.35, 340/146.3 SY, 101/DIG. 18, 194/4 R, 194/4 C, 194/4 F, 194/4 G
• US Class Current: 382/119
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/042 characterized in that the payment protocol involves at least one cheque
• CPC Class Codes: G07C 9/24 by means of a handwritten signature

Abstract

A method and apparatus for issuing negotiable instruments such as checks from a terminal comprising: first means (identification card reader) for identifying an account number against which a monetary amount of a check to be issued by the terminal is to be charged; second means (handwriting transducer) for inputting into the terminal identification data which will be used in determining whether to accept or reject a user of the terminal as authorized to issue a check against the account number; third means (bank data system) for supplying authorized identification data to the terminal and also for supplying evaluation criteria, such as a current monetary balance, for the account number; entry means (keyboard) for entering check data including the monetary amount; means for comparing (processor) the identification data with the authorized identification data and for generating an accept signal or a reject signal as a result of the comparing; the comparing means also comparing the monetary amount with the evaluation criteria and for generating an issue signal when the associated comparison is favorable; means for transporting (paper strip drive) a record medium to a print station in the terminal; and a printer for printing the account number and the monetary amount on the record medium at the print station in response to the accept signal and the issue signal, whereby the record medium becomes the check which is issued from the terminal.

Claims

1. A check dispensing terminal comprising:

a write station;

means within said terminal for supplying a check form to said write station to enable a user to write the user'"'"'s signature on said check form;

means for converting the user'"'"'s signing of said signature into identifying data unique to said user;

means for comparing said identifying data with authorized data for said user to generate an accept signal when the comparison is favorable; and

means for dispensing said check form bearing said user'"'"'s signature from the terminal in response to a favorable comparison.

2. A method of issuing a check from a terminal comprising the steps:

(a) identifying the account number against which a monetary amount of a check to be issued by the terminal is to be charged;

(b) requiring that the user write his signature on a check form which is supplied by said terminal;

(c) using the user'"'"'s act of writing his signature on said check form to ascertain whether or not said user is authorized to use said account number;

(d) verifying that said user has satisfied certain evaluation criteria associated with said account number for said monetary amount for which a check is to be issued;

(e) printing check data including at least said monetary amount on said check form with said signature thereon upon ascertaining that said user is authorized to use said account number and also that said user has satisfied said certain evaluation criteria associated; and

(f) dispensing from said terminal said check form with said signature thereon and with said check data printed thereon, which last-named check form becomes said check which is issued from said terminal.

3. The method as claimed in claim 2 in which said step (e) is effected by:

(e-1) printing at least said account number and said monetary amount in a magnetic ink character recognition font.

4. A check issuing terminal comprising:

first means for identifying an account number against which a monetary amount of a check to be issued by said terminal is to be charged;

second means for inputting into said terminal identification data which will be used in determining whether to accept or reject a user of said terminal as authorized to issue a check against said account number;

third means for supplying authorized identification data to said terminal and also for supplying evaluation criteria for said account number;

entry means for entering check data including at least said monetary amount;

means for comparing said identification data with said authorized identification data and for generating an accept signal or a reject signal as a result of said comparing;

said comparing means also comparing said monetary amount with said evaluation criteria and for generating an issue signal when the associated comparison is favorable;

means for transporting a record medium to a print station in said terminal, and

means for printing said check data including at least said monetary amount on said record medium at said print station in response to said accept signal and said issue signal, whereby said record medium becomes said check which is issued from said terminal.

5. The check issuing terminal as claimed in claim 4 in which said second means includes means for converting a handwriting sample by said user into said identification data.

6. The check issuing terminal as claimed in claim 5 in which said second means further comprises a write station and also in which said transporting means moves said record medium to said write station where said user writes his signature upon said record medium, said record medium with said signature thereon becoming said check which is issued from said terminal in response to said accept and issue signals.

7. The check issuing terminal as claimed in claim 6 in which said comparing means issues a no-issue signal when said monetary amount is unfavorable with respect to said evaluation criteria, and in which said transporting means also includes a reject bin into which a record medium with a said signature thereon is deposited when either a said reject signal or a said no-issue signal is generated by said comparing means.

8. The check issuing terminal as claimed in claim 7 in which said transporting means also includes means for supplying a strip of said record medium to said write station where it becomes said record medium with said signature thereon, and in which said transporting means also includes a means for cutting said record medium with said signature thereon from the rest of said strip of record medium.

9. The check issuing terminal as claimed in claim 8 in which said transporting means also includes a diverter which diverts a said record medium with a signature thereon into said reject bin in response to a said reject signal or a no-issue signal, and enables said transporting means to transfer said record medium with a signature thereon to said print station in response to said accept and issue signals.

10. The check issuing terminal as claimed in claim 9 in which said diverter is shaped to provide a bi-directional diverting function.

11. The check issuing terminal as claimed in claim 4 in which said printing means includes ink and a printing format to enable said account number and monetary amount to be printed in magnetic ink character recognition encoding.

12. The check issuing material as claimed in claim 6 in which said write station includes a table and transducer which convert the pressure variations with respect to time resulting from said user writing his signature upon said record medium into said identification data.

15. The check issuing terminal as claimed in claim 4 in which said printing means includes ink and a printing format to enable said account number and monetary amount to be printed in magnetic ink character recognition encoding.

13. A check issuing terminal comprising:

means for identifying an account number against which a monetary amount of a check to be issued by said terminal is to be charged;

a write station;

means for supplying a check form to said write station to enable a user to sign the user'"'"'s name on said check form which becomes a signed check form;

means for converting the user'"'"'s act of signing the user'"'"'s name on said check form into identifying data which is unique to said user;

means for entering check data including said monetary amount for the check to be issued;

means for comparing said identifying data with authorized data for said user to generate an accept signal when the comparison is favorable, and also for comparing said monetary amount with the monetary balance for said account number to generate an issue signal when the associated comparison is favorable; and

means for printing on said signed check form said check data including said monetary amount in response to said accept and issue signals so as to comprise said check which is dispensed from said terminal.

14. The check issuing terminal as claimed in claim 13 in which said write station includes a table and transducer which convert the pressure variations with respect to time resulting from said user writing his signature upon said check form into said identification data.

16. A check dispensing terminal comprising:

means for reading an identification card for entering an account number into said terminal;

a signature table to enable a user of said terminal to sign his name on a check form located at said table;

means for supplying check forms to said signature table;

verifying means operatively connected to said signature table to identify a user of said terminal who signs his name on a said check form at said signature table as the rightful user of said account number;

keyboard means for entering check data such as monetary amount and payee for use in printing on said check form;

a display for displaying data and instructions associated with the use of said terminal;

means for printing said check data on said check form;

a data bank source;

processor means operatively connecting said reading means, verifying means, supplying means, keyboard means, display, and data bank source whereby said processor means will generate an issue signal when said verifying means indicates that said user is a rightful user of said account number and said user can rightfully issue a check for the monetary amount entered on said keyboard means, said issue signal being used by said printing means to print said check data on said check form with said signature thereon.

17. The check issuing terminal as claimed in claim 16 in which said terminal includes a housing with a slot therein through which said check form with said signature and check data thereon may extend to be grasped by said user, and further comprising means to withdraw said check form into said housing if it is not removed therefrom in a predetermined time.

18. The check issuing terminal as claimed in claim 17 in which said printing means includes ink and a printing format to enable at least said account number and monetary amount to be printed in magnetic ink character recognition encoding;

said check form having markings thereon to identify it as being dispensed from said terminal.