Check processing device

• US 4,933,536 A
• Filed: 05/04/1989
• Issued: 06/12/1990
• Est. Priority Date: 10/01/1987
• Status: Expired due to Fees

• Current Assignee: Dennis Lindemann
• Original Assignee: Dennis Lindemann
• Inventors: Smith-Hill, John, Lindemann, Dennis
• Primary Examiner(s): Pitts, Harold I.
• Application Number:
  US07/348,295
• Time in Patent Office: 404 Days
• Field of Search: 238/375, 238/487, 364/405, 902/22
• US Class Current: 235/375
• CPC Class Codes: G06Q 20/042 characterized in that the payment protocol involves at least one cheque
• CPC Class Codes: G07F 7/08 by coded identity card or credit card or other personal identification means without personal verification means G07F7/02
• CPC Class Codes: G07F 7/125 Offline card verification
• CPC Class Codes: G07G 1/12 electronically operated digital data processing aspects G06Q20/00
• CPC Class Codes: G07G 3/003 Anti-theft control theft alarms G08B13/00

Abstract

A check processing device incorporated in a point of sale terminal comprises a xerographic copier to reproduce an image of personal identification onto the back of a check, an electronic stamping mechanism for imprinting a transaction date, time and number on the back of the check and a scanner which reads and stores a customer'"'"'s checking account number and controls a cash register according to the validity and presence of the check and the presence of personal identification.

Claims

1. A point of sale terminal comprising:

a cash register having a check tender button,

a check processing device for transferring an image of personal identification onto a payment instrument, and

means for enabling the check tender button after said check processing device has been operated.

2. A check processing device comprising:

means for reading an account number from a check,

means for transferring an image of personal identification onto said check,

means for warning a salesclerk of a stolen or invalid check and controlling a cash register in accordance with the presence and validity of said check and the presence of said personal identification, and

means for updating transaction information and imprinting said transaction information on said check.

3. A device according to claim 2, wherein said means for reading said account number from said check comprises scanning device which reads and sends said account numbers to a computer.

4. A device according to claim 2, wherein said means for transferring an image of personal identification onto a check comprises a photocopier which utilizes a xerographic copying process.

5. A device according to claim 2, wherein said means for updating transaction information and imprinting said transaction information on said check comprises an electronically updated and controlled stamping device.

6. In combination, a cash register having a check tender button, a computer having numbers stored therein, and a device in accordance with claim 2, wherein said warning means comprises a means for comparing said account number with the numbers stored in the computer and disallowing use of the cash register'"'"'s check tender button when said account number is found among the numbers stored in the computer.

7. A combination according to claim 6, wherein the warning means further comprises means for disallowing use of the check tender button when personal identification does not accompany a check.