Check validation/check writing system

• US 4,810,866 A
• Filed: 08/07/1987
• Issued: 03/07/1989
• Est. Priority Date: 08/07/1987
• Status: Expired due to Term

• Current Assignee: Miles Lord Jr
• Original Assignee: Miles Lord Jr
• Inventors: Lord, Miles Jr.
• Primary Examiner(s): Pitts, Harold I.
• Application Number:
  US07/082,504
• Time in Patent Office: 578 Days
• Field of Search: 235/379, 235/489, 235/441, 235/432
• US Class Current: 235/379
• CPC Class Codes: G06K 17/00 Methods or arrangements for effecting co-operative working between equipments covered by two or more of main groups G06K1/00 - G06K15/00, e.g. automatic card files incorporating conveying and reading operations
• CPC Class Codes: G06K 17/0022 arrangements or provisious for transferring data to distant stations, e.g. from a sensing device "transfer between computer elements G06F13/00 "; data-transmission H04L
• 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: G07G 1/0036 Checkout procedures

Abstract

Apparatus for accommodating a purchaser at a vendor'"'"'s check-out station or the like with the check writer being provided with a communication line for validating and clearing checks, along with a register for determining the transaction total. The apparatus and system of the present invention further permits the purchaser/customer to insert a check blank from a personal checking account into the writer, and means are provided for printing appropriate indicia on the check blank, including date, payee, and amount of the check, and further having an opening for enabling the person to execute the already-imprinted check.

Claims

1. In combination with a check writer for use by purchasers at a vendor'"'"'s check-out station, wherein the check writer includes means for imprinting indicia upon a check blank with the indicia including date, payee, and a predetermined amount to be payable thereon, the predetermined amount being indicated in both numerical and written form, a communication means for validating a coded check blank for said predetermined amount from the maker thereof, and means for determining the total amount due the vendor from the purchaser, said combination being particularly characterized in that:

(a) said check writer comprises a housing body with means for inserting a coded check blank therein, with the coded information including banking institution information including the purchaser'"'"'s account number, means for imprinting indicia on said check blank including date, payee, and a predetermined amount to be payable thereon, and signal responsive means within said housing body for reading said banking institution information coded on said check blank;

(b) communication means having signal transmission means therein for reading said coded banking information from a check blank inserted therein and for communicating with a banking institution for verifying a credit balance present in the purchaser'"'"'s account at the banking institution, and being operatively coupled to said check writer;

(c) register means coupled to said check writer and said communication means for determining the total amount due the vendor from the purchaser and for transmitting said total amount to said check writer indicia imprinting means for imprinting said total amount upon a check blank within said check writer;

(d) window means on the surface of the housing body of said check writer for presenting portion of said imprinted check blank to the purchaser and for retaining said check blank while permitting the purchaser to execute said imprinting check blank; and

(e) discharge means within the housing body of said check writer for delivering the printed executed check blank therefrom.