Check image capture system

• US 5,444,794 A
• Filed: 08/25/1993
• Issued: 08/22/1995
• Est. Priority Date: 08/25/1993
• Status: Expired due to Term

• Current Assignee: S.Q.N.
• Original Assignee: S.Q.N.
• Inventors: Uhland, Joseph C. Sr.
• Primary Examiner(s): Boudreau, Leo H.
• Assistant Examiner(s): KELLEY, CHRISTOPHER S
• Application Number:
  US08/112,761
• Time in Patent Office: 727 Days
• Field of Search: 382/3, 382/7, 364/401, 364/408, 235/379, 235/380
• US Class Current: 705/45
• 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: G06Q 20/042 characterized in that the payment protocol involves at least one cheque
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03
• CPC Class Codes: G06V 10/98 Detection or correction of errors, e.g. by rescanning the pattern or by human intervention; Evaluation of the quality of the acquired patterns

Abstract

A check image capture system processes on-us and transit checks to achieve significant cost savings and efficiencies. The check image capture system includes an image pickup device 30, teller personal computer 32, check amount encoder 34, and check amount adder 36. Checks presented to the teller are scanned by the image pickup device 30, which forms image data representing respective images of the checks. Each check is then classified as an on-us check or a transit check. Transit checks are transported to the amount encoder 34 whereas on-us checks are truncated. The check amount adder 36 receives amount data for the transit checks and computes the total of the transit check amounts. The check amount encoder encodes each transit check with the amount associated therewith if the check amount total is correct. The computer is programmed to store the image data and to identify and store account number data, bank number data, and check number data associated with the checks, and to provide the amount data associated with the transit checks to the check amount adder.

Claims

1. A system for processing bank checks, comprising:

a first processing system located remotely from a bank teller, comprising a first balancing station for receiving checks from branches and/or tellers in said bank;

an amount encoder receiving said checks from said first balancing station and encoding on each check the amount of that check;

a check sorter receiving said checks from said amount encoder;

a second balancing station operatively coupled to said sorter, wherein said sorter provides amount encoded transit checks to said second encoder;

a first key entry station operatively coupled to said sorter, wherein said sorter provides transit checks that are not properly amount encoded to said first key entry station, and wherein checks from said first key entry station are passed to said second balancing station;

a third balancing station operatively coupled to said sorter, wherein on-us read and amount-encoded check images are passed from said sorter to said third balancing station;

a second key entry station operatively coupled to said sorter, wherein on-us images of checks not properly amount encoded are provided by said sorter to said second key entry station, and wherein images from said second key entry station are passed to said third balancing station; and

a mainframe computer, wherein said on-us check images are sent by said third balancing station to said mainframe computer, said mainframe computer preparing customer statements to be sent to customers associated with the respective checks; and

a check image capture system, operatively coupled to said first processing system and located at the site of a bank teller, comprising image pickup means, located at the site of said teller, for scanning checks presented to said teller and forming image data representing respective images of said checks;

classifying means, operatively coupled to said image pickup means, for classifying each of said checks as an on-us check or a transit check;

check amount adder means for receiving amount data indicative of the respective amounts associated with the transit checks and computing a total of said amounts;

check amount encoder means for encoding each transit check with the amount associated therewith;

truncation means, operatively coupled to said image pickup means, for truncating said on-us checks and for transporting said transit checks to said check amount encoder means;

amount input means for obtaining amount data indicative of an amount recorded on each of said checks; and

a computer, operatively coupled to said image pickup means, check amount adder means, and amount input means, said computer being programmed to store said image data and to identify and store account number data, bank number data, and check number data associated with said checks, and to provide the amount data associated with said transit checks to said check amount adder means.

2. A system as recited in claim 1, wherein said computer is further programmed to merge said amount data with said image data, whereby the preparation of a customer statement depicting an image of said check and amount of said check is enabled.

3. A system as recited in claim 2, wherein said computer is further programmed to merge multiple on-us check images corresponding to on-us checks associated with a common account number.

4. A system as recited in claim 1, wherein said computer is further programmed to receive prerecorded signature data representing a registered signature(s) and to display said signature(s) to the teller, whereby the teller is enabled to make a visual comparison of said registered signature(s) and a signature on said check.

5. A system as recited in claim 4, wherein said computer is further programmed to provide a correlation parameter indicative of a correlation between the signature on the check and the registered signature.

6. A system as recited in claim 5, wherein said computer is further programmed to merge said amount data with said image data, whereby the preparation of a customer statement depicting an image of said check and amount of said check is enabled;

and wherein said computer is further programmed to merge multiple on-us check images corresponding to on-us checks associated with a common account number.