Check cashing system

• US 5,592,377 A
• Filed: 03/09/1995
• Issued: 01/07/1997
• Est. Priority Date: 12/18/1993
• Status: Expired due to Fees

• Current Assignee: Cash Box Incorporated
• Original Assignee: Cash Box Incorporated
• Inventors: Lipkin, Edward B.
• Primary Examiner(s): McElheny, Jr., Donald E.
• Application Number:
  US08/401,748
• Time in Patent Office: 670 Days
• Field of Search: 364/406, 364/408, 364/401 R, 235/379, 235/381, 235/380, 340/825.35, 340/825.34
• US Class Current: 705/42
• CPC Class Codes: G06Q 20/042 characterized in that the payment protocol involves at least one cheque
• CPC Class Codes: G06Q 20/108 Remote banking, e.g. home banking
• CPC Class Codes: G07F 19/20 Automatic teller machines [ATMs]
• CPC Class Codes: G07F 19/202 Depositing operations within ATMs depositing in general G07D11/00

Abstract

An automated check cashing system comprising a customer station, an operator station, and means for enabling two-way communication between them. The customer station includes a cash dispenser. Means are provided for enabling the operator to verify the identity of the customer and the check that is being submitted for cashing. If the operator does not cash the check, it is returned to the customer. If the check is cashed, it is stored in a vault until it can be retrieved.

Claims

1. An automated check cashing system for use by a customer bearing a check, said system comprising an unmanned customer station, a operator station, and means for enabling two-way communication between said customer station and said operator station, said customer station being arranged to have the customer bring the check to the customer station and including means for dispensing cash, means for transmitting the image of a customer to said operator station, means for enabling voice communication between said customer station and said operator station to enable the customer to provide verbal personal information to the operator station upon a request by the operator, means for transmitting to said operator station an image of both sides of a check that is to be cashed and a visual image of other identification documents of the customer to the operator station, and means for storing the check, said means for dispensing cash being operative in response to a signal from said operator station, said operator station being remote from the customer station and being manned with an operator, said operator station including a database means containing customer identification information and check identification information, said customer identification information comprising images of customers, signatures of customers and personal information about customers, said check identification information comprising indicia appearing on checks, means at said operator station for displaying the image of the customer, means at said operator station for displaying both sides of the check and for displaying the visual image of said other identification documents, and means at said operator station for enabling the operator to recall from the database means information stored therein for use with information provided from the customer station in order to enable the operator to determine if the check is to be cashed, and means for providing said signal to energize said cash dispenser at said customer station to dispense an amount of cash authorized by the operator at said operator station.

2. An automated check cashing system as defined in claim 1 wherein said operator station additionally comprises means for identifying the customer using the customer identification data in said database means, said means including a video monitor, and means for recalling data from said database means to said video monitor.

3. An automated check cashing system as defined in claim 1 additionally comprising means at said operator station for transmitting an image of the operator at said operator station to said customer station.

4. An automated check cashing system as defined in claim 1 additionally comprising means at said operator station for storing the displayed image of the customer in said database means.

5. An automated check cashing system as defined in claim 4 additionally comprising means for viewing said stored image of the customer and said displayed image of the customer at the same time.

6. An automated check cashing system as defined in claim 1 additionally comprising means for storing the displayed image of the customer'"'"'s check in said database means.

7. An automated check cashing system as defined in claim 6 additionally comprising means for viewing a stored image of the customer'"'"'s check and said an image of the check to be cashed at the same time.

8. An automated check cashing system as defined in claim 1 additionally comprising means for storing the signature of the customer in said database means.

9. An automated check cashing system as defined in claim 8 additionally comprising means for viewing a stored image of a customer'"'"'s signature and said an image of the signature on the check to be cashed at the same time.

10. An automated check cashing system as defined in claim 1 additionally comprising means for loading personal information about a customer into said database means.