Electronic checking account apparatus and method having a digitizer to receive information as a check is being written

• US 5,233,547 A
• Filed: 11/12/1991
• Issued: 08/03/1993
• Est. Priority Date: 11/12/1991
• Status: Expired due to Term

• Current Assignee: NCR Corporation
• Original Assignee: NCR Corporation
• Inventors: Ames, Stephen J., Kapp, Michael A.
• Primary Examiner(s): Westin, Edward P.
• Assistant Examiner(s): Lee, John R.
• Application Number:
  US07/790,040
• Time in Patent Office: 630 Days
• Field of Search: 235/379, 235/380, 382/7, 382/13, 364/401, 364/406, 364/408, 364/705.02, 364/709.01, 364/709.02, 364/709.04, 364/709.10, 364/709.11, 364/709.12, 364/709.13
• US Class Current: 708/106
• CPC Class Codes: G06F 15/025 adapted to a specific application
• CPC Class Codes: G06Q 20/0425 the cheque being electronic only
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03

Abstract

An electronic checkbook and method for using it. The checkbook comprises upper and lower parts which fold together when not in use. The lower part receives on its upper surface a booklet of checks. A digitizer is hingedly connected or fixed to the remainder of the lower part and operates as a keyboard in one mode when placed above the check booklet, and can be placed beneath the top check of the booklet and used in a second mode as a means for inputting signals to the remainder of the device representing information written on the check. The lower part of the checkbook also includes other elements of the device including a microprocessor, a power supply and a smart card reader/writer. The upper part includes a display screen upon which checking account information appears during use of the electronic checkbook. The method of use of the checkbook provides maintenance of a record of transactions in the account, including addition of deposits and subtraction of checks drawn on the account.

Claims

1. An electronic checking account apparatus, comprising:

a base;

a check booklet associated with said base; and

a digitizer attached to said base and adapted to be placed in operative relation to a check when the check is being written to receive information as the check is written.

2. The apparatus of claim 1, in which the digitizer is hingedly connected to said base.

3. The apparatus of claim 2, in which the check booklet is positioned on an upper surface of said base and in which the hinged connection of the digitizer to the base enables the digitizer to be positioned between a top check of the check booklet and the remainder of the checks.

4. The apparatus of claim 1, also including a cover member hingedly coupled to said base, which cover member may be closed to cover the upper surface of said base.

5. The apparatus of claim 4, in which the cover member includes a display screen.

6. The apparatus of claim 5, in which the display screen is on a lower surface of the cover member, so that it is concealed when the cover member is closed on the base.

7. The apparatus of claim 5, also including decoding means and data processing means for decoding signals produced by said digitizer when the check positioned above it is written upon, said data processing means being coupled to said decoding means and to said display screen to cause information to be displayed on said display screen corresponding to information written on the top check.

8. An electronic checking account apparatus, comprising:

a microprocessor for controlling the functioning and operation of the checking account apparatus;

memory means coupled to said microprocessor and including checking account information and program means for converting handwritten information into digital information for use by the microprocessor;

a display screen coupled to said microprocessor for displaying information related to a checking account; and

a digitizer coupled to said microprocessor and adapted to be placed in operative relation to a check when the check is being written to receive information as it is written and to transmit it to said microprocessor.

9. The electronic checking account apparatus of claim 8, also including battery means coupled to the microprocessor for powering the apparatus.

10. The electronic checking account apparatus of claim 8, also including a time-of-day clock coupled to the microprocessor for adding time information to the checking account information.

11. The apparatus of claim 10, also including an alarm, and in which the time-of-day clock is used in conjunction with the alarm to indicate preprogrammed check payments that are due.

12. The electronic checking account apparatus of claim 8, also including a smart card detachably coupled to the microprocessor for providing financial account data to the apparatus.

13. The electronic checking account apparatus of claim 8, in which the memory means includes a static random access memory for supporting algorithms for conversion of handwriting information to a digital format.

14. The apparatus of claim 12, in which the digital format of the handwriting information is an ASCII format.

15. The apparatus of claim 8, in which the display screen is a liquid crystal display screen.

16. The apparatus of claim 8, in which the digitizer can be configured as a keyboard entry device.

17. The apparatus of claim 8, also including a hinged two-part housing, with the display screen being located in the upper part of the housing and the digitizer being located in the lower part of the housing.

18. The apparatus of claim 17, also including a smart card reader/writer receptacle and a smart card in the lower part of the housing.

19. The apparatus of claim 17, also including a surface on the lower part for receiving and retaining a booklet of checks and further including a hinged mounting for the digitizer to enable the digitizer to be placed beneath the top check of the booklet and above the remaining checks of the booklet.

20. The apparatus of claim 17, in which the display screen is located on an inner surface of the upper part and the digitizer is located on an inner surface of the lower part, so that both the display screen and the digitizer are concealed when the housing is closed.

21. The apparatus of claim 8, in which the display screen may be controlled by the microprocessor to display a calendar.

22. The apparatus of claim 21, in which the display screen may be controlled by the microprocessor to display the time of day in addition to displaying a calendar.

23. The apparatus of claim 8, in which the display screen may be controlled by the microprocessor to display the time of day.

24. The apparatus of claim 8, also including a buss connection coupled to the microprocessor to enable the apparatus to be coupled to other equipment.

25. An electronic checking account apparatus, comprising:

a microprocessor for controlling the functioning and operation of the checking account record apparatus;

memory means coupled to said microprocessor and including checking account information and program means for converting handwritten information into digital information for use by the microprocessor;

a display screen coupled to said microprocessor for displaying information related to a checking account;

a digitizer coupled to said microprocessor and adapted to be placed in operative relation to a check when the check is being written to receive information as it is written and to transfer it to said microprocessor;

a smart card reader/writer coupled to said microprocessor for reading checking account information from and writing checking account information into a smart card inserted therein;

battery means for providing power for said apparatus and coupled thereto; and

a housing comprising hinged upper and lower parts which can be moved together for security and separated for use, said upper part holding the display screen, and said lower part holding the microprocessor, the memory means, the digitizer, the smart card reader and the battery means.

26. The apparatus of claim 25, in which the digitizer is hingedly connected to the lower part of the housing, said apparatus also including a booklet of checks positioned on the lower part so that the digitizer can be placed beneath the top check of the booklet.

27. The apparatus of claim 25, also including a time of day clock coupled to the microprocessor and located in the lower part.

28. The apparatus of claim 27, also including an alarm, and in which the time of day clock is used in conjunction with the alarm to indicate preprogrammed check payments that are due.

29. The apparatus of claim 25, in which a handwriting recognition algorithm is included in said memory means.

30. The apparatus of claim 25, in which the memory means comprises an SRAM.

31. The apparatus of claim 25, in which the memory means comprises an EEPROM.

32. The apparatus of claim 25, also including a communications port coupled to said microprocessor and located in said lower part.

33. The apparatus of claim 25, in which said digitizer functions in one mode to receive handwritten information when a check is written, and also functions in a second mode as a keyboard.

34. The apparatus of claim 33, in which the digitizer is printed on an exposed surface with a representation of a keyboard, including a plurality of function keys and a plurality of cursor keys.

35. The apparatus of claim 25, in which indicia is provided on the upper part of the housing adjacent to the display screen for identifying the various elements of check register data provided on the display screen.

36. The apparatus of claim 25, in which the display screen is located on an inner surface of the upper part and the digitizer is located on a facing inner surface of the lower part.

37. A method for maintaining a checking account register, using a device which includes a data processor, a digitizer, a memory and a check booklet, comprising the following steps:

(a) activating said device;

(b) placing the digitizer beneath a check from the booklet;

(c) writing appropriate information on the check, sensing said written information by the digitizer and decoding said sensed information; and

(d) storing the decoded handwritten information in the memory.

38. The method of claim 37, in which said memory comprises a smart card.

39. The method of claim 37, also including the following steps:

(h) causing the digitizer to function in a keyboard mode; and

(i) making non-check entries by operating the digitizer in its keyboard mode.

44. The method of claim 39, in which the writing of certain of said appropriate information on said check causes said digitizer to operate in a mode in which it senses said appropriate information as it is written.

45. The method of claim 44, in which said certain of said appropriate information is the date of the check.

40. A method for preparing checks and updating a checking account register, using a checking account device which includes a data processor, a display screen, a digitizer, a memory and a check booklet, comprising the following steps:

(a) activating a check register mode of operation of said device;

(b) displaying a check register on the display screen;

(c) placing the digitizer beneath a check from the booklet;

(d) writing appropriate information on the check, sensing said written information by the digitizer and decoding said sensed information;

(e) storing the decoded handwritten information in memory;

(f) updating the check register information; and

(g) displaying the updated information on the display screen.

41. The method of claim 40, in which said memory comprises a smart card.

42. The method of claim 40, also including the following steps:

(h) causing the digitizer to function in a keyboard mode; and

(i) making non-check entries to the check register by operating the digitizer in its keyboard mode.

43. The method of claim 42, also including the following steps:

(j) in the case of an error, positioning a cursor beneath an incorrect character on the check register using a key on the digitizer in its keyboard mode; and

(k) using a key represented on the digitizer to correct the incorrect character.

46. A method for preparing checks and updating a checking account register, using a checking account device which includes a display screen, a digitizer, a data processor and a memory, comprising the following steps:

(a) activating said device;

(b) applying diagnostic tests to the device;

(c) applying check register display information to the display screen;

(d) conditioning digitizer keys for operation;

(e) placing a check to be written over the digitizer so that writing impressions made on the check will be sensed by the digitizer;

(f) writing appropriate information on the check, sensing said information by the digitizer and decoding said information sensed by the digitizer;

(g) storing the decoded handwritten information in memory;

(h) updating the check register information; and

(i) displaying the updated information on the display screen.

47. The method of claim 46, in which said memory comprises a smart card.

48. The method of claim 46, also including the following steps:

(j) causing the digitizer to function in a keyboard mode; and

(k) making non-check entries to the check register display.

49. The method of claim 48, also including the following steps:

(l) in the case of an error, positioning a cursor beneath an incorrect character on the check register using a key on the digitizer in its keyboard mode; and

(m) using a key represented on the digitizer to correct the incorrect character.

50. A method for preparing checks and updating a checking account register, using a checking account device which includes a display screen, a digitizer, a data processor, a memory and a check booklet, comprising the following steps:

(a) activating the device for operation;

(b) applying diagnostic tests to the device;

(c) providing visible data on the display screen;

(d) operating a key on the digitizer to change the data on the display screen to a showing of a check register;

(e) placing the digitizer beneath a check from the check booklet;

(f) changing the digitizer mode from a keyboard mode to a data entry mode by entering a date on the check which is positioned above the digitizer;

(g) writing check data including amount and payee;

(h) sensing said written information by the digitizer;

(i) decoding the sensed information;

(j) storing the decoded information in memory and displaying it on the check register display screen together with a new total obtained by subtracting the amount of the check from a previous total;

(k) terminating the check writing operation.

51. The method of claim 50, in which the checking account device also includes a smart card reader/writer and a smart card having a memory, including the following additional steps:

(l) transmitting the stored information from step (j) to the smart card; and

(m) providing an alarm indication when the capacity of the smart card memory is reached.

52. The method of claim 51, in which said alarm indication is audible.

53. The method of claim 51, in which said alarm indication comprises a visible indication on the display screen.

54. The method of claim 51, also including a step of entering the amount of a deposit by use of the digitizer in a keyboard mode, and displaying the deposit and a new total on the check register.