System and method for requesting and dispensing negotiable instruments
First Claim
1. A system that may be used by a bank customer to request and dispense a negotiable instrument, said system comprising:
- a bank computer;
a communication network connected to said bank computer;
a device that is in communication with said bank computer through said communication network and that is used by the bank customer to submit a request for the negotiable instrument to said bank computer, said request including a dispenser designation that does not designate said device; and
an instrument dispenser that is in communication with said bank computer through said communication network, that is designated by said dispenser designation, and that receives information from said bank computer that enables said instrument dispenser to dispense the negotiable instrument.
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Abstract
A system and method for requesting and dispensing negotiable instruments such as bank checks, money orders, and traveler'"'"'s checks. An instrument may be requested in this system and method by a bank customer from a telephone, a computer, a fixed-location dispenser, or a portable, hand-held dispenser that is in communication with a bank computer. This request may be made orally, using touch tones, or using data transmission over a communication network that may include telephone lines, two-way radio links, microwave links, satellite links, cellular telephone links, computer networks, and the Internet. After a request is processed and approved, the requested instrument may then be dispensed at any time in this system and method to the bank customer or another party from any receive-only dispenser, fixed-location dispenser, or portable, hand-held dispenser that is also in communication with the bank computer.
244 Citations
16 Claims
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1. A system that may be used by a bank customer to request and dispense a negotiable instrument, said system comprising:
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a bank computer;
a communication network connected to said bank computer;
a device that is in communication with said bank computer through said communication network and that is used by the bank customer to submit a request for the negotiable instrument to said bank computer, said request including a dispenser designation that does not designate said device; and
an instrument dispenser that is in communication with said bank computer through said communication network, that is designated by said dispenser designation, and that receives information from said bank computer that enables said instrument dispenser to dispense the negotiable instrument. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8)
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9. A method for requesting and dispensing a negotiable instrument, said method comprising:
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generating at least part of a request for a negotiable instrument using a device, wherein said at least a part of a request includes a designation of a designated instrument dispenser that is not said device;
submitting said at least a part of a request to a bank computer through a communication network from said device; and
receiving information from said bank computer through said communication network at said designated instrument dispenser that enables said designated instrument dispenser to dispense the negotiable instrument. - View Dependent Claims (10, 11, 12, 13, 14, 15, 16)
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Specification
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- Resources
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Current AssigneeJohn C. Novogrod
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Original AssigneeJohn C. Novogrod
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InventorsNovogrod, John C.
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Primary Examiner(s)Frech, Karl D.
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Application NumberUS09/498,960Time in Patent Office795 DaysField of Search235/379, 235/381, 235/383, 235/385, 235/472.01, 235/472.02, 902/8, 902/14, 902/18, 902/24, 705/35, 705/39-41US Class Current235/379CPC Class CodesG07F 19/20 Automatic teller machines [...
