Method and apparatus for automatic check cashing

• US 6,695,204 B1
• Filed: 03/17/2000
• Issued: 02/24/2004
• Est. Priority Date: 02/06/1997
• Status: Expired due to Fees

• Current Assignee: ATC Realty Fifteen Incorporated
• Original Assignee: ATC Realty Fifteen Incorporated
• Inventors: Clower, Dyron, Templer, John W. Jr., Stinson, Michael C.
• Primary Examiner(s): Lee, Michael G.
• Assistant Examiner(s): WALSH, DANIEL I
• Application Number:
  US09/528,411
• Time in Patent Office: 1,439 Days
• Field of Search: 235/379, 235/380, 235/381, 235/382, 235/492
• US Class Current: 235/379
• CPC Class Codes: G06Q 20/18 involving self-service terminals [SST], vending machines, kiosks or multimedia terminals
• CPC Class Codes: G06Q 20/202 Interconnection or interaction of plural electronic cash registers [ECR] or to host computer, e.g. network details, transfer of information from host to ECR or from ECR to ECR
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 20/40145 Biometric identity checks
• CPC Class Codes: G07C 9/253 visually
• 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
• 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 7/10 together with a coded signal , e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data

Abstract

An automated check-cashing unit includes an input device configured to generate input signals in response to inputs from a customer, a storage device including a database of customer information, a check reader configured to receive and read a check to be processed, a cash dispenser, and an electronic processor. The processor is configured to receive the input signals from the input device, receive information about the check to be processed from the check reader, access the database of customer information to obtain data about the customer, and determine automatically whether to accept or reject the check based on the input signals, the received information about the check, and the data about the customer. Upon accepting the check, the processor signals the cash dispenser to dispense cash to the customer. The processor may be further configured to confirm the identity of the customer based on biometric information about the customer. Examples of suitable biometric information include the customer'"'"'s fingerprint or an image of the customer'"'"'s face.

Claims

1. An automated check-cashing apparatus, comprising:

an input device configured to generate input signals in response to inputs from a customer presenting a check to be processed;

a storage device including a database of customer information;

a check reader configured to receive and read the check to be processed, including reading the amount of the check by optical character recognition;

a cash dispenser; and

an electronic processor connected to the input device, the storage device, the check reader, and the cash dispenser, and configured to;

receive the input signals from the input device,

receive information about the check to be processed from the check reader,

access the database of customer information to obtain data about the customer,

determine automatically whether to accept or resect the check based on the input signals, the received information about the check, and the data about the customer,

upon accepting the check, signal the cash dispenser to dispense cash to the customer

wherein the processor is further configured to confirm an identity of the customer based on biometric information about the customer,

wherein, after confirming the identity of the customer, the processor is configured to determine automatically whether to accept or reject the check by applying a set of business rules,

wherein the business rules are defined generally to permit the processor to accept the check if the customer has used the apparatus previously to cash a previous check for a similar amount from a payor associated with the check to be processed.

2. A method for automatically dispensing cash in exchange for a negotiable instrument, comprising:

inputting a user identification from a user,

acquiring biometric data relating to the user;

inputting a negotiable instrument from the user;

extracting information from the negotiable instrument;

determining based on the user identification whether a data store stores data relating to the user or the negotiable instrument;

comparing the stored data with input data if the data store stores data relating to the user or the negotiable instrument; and

determining whether to dispense cash in exchange for the negotiable instrument based on a result of said comparing,

wherein determining whether to dispense cash in exchange for the negotiable instrument comprises;

applying a set of business rules; and

if none of the business rules are violated, dispensing cash in exchange for the negotiable instrument based upon the comparison of the stored data with the received data, and

wherein applying the set of business rules comprises determining whether the user has previously submitted a negotiable instrument for a similar dollar amount from a payor associated with the negotiable instrument.

3. A method for automatically dispensing cash in exchange for a negotiable instrument, comprising:

inputting a user identification from a user,

acquiring biometric data relating to the user;

inputting a negotiable instrument from the user;

extracting information from the negotiable instrument;

determining based on the user identification whether a data store stores data relating to the user or the negotiable instrument;

comparing the stored data with input data if the data store stores data relating to the user or the negotiable instrument; and

determining whether to dispense cash in exchange for the negotiable instrument based on a result of said comparing,

wherein determining whether to dispense cash in exchange for the negotiable instrument comprises;

applying a set of business rules; and

if none of the business rules are violated, dispensing cash in exchange for the negotiable instrument based upon the comparison of the stored data with the received data, and

further comprising, if the data store does not store any data relating to the user or the negotiable instrument, transmitting the user identification, the acquired biometric data, and the information extracted from the negotiable instrument to a remote service center.

4. The method of claim 3, further comprising displaying instructions to the user to communicate with the remote service center via telephone.

5. An apparatus for automatically cashing a check presented by a user, comprising:

a display device to generate a user display that directs a user in a check cashing process;

a data input device to receive data input by the user, including a user identification;

a biometric input device to receive biometric data relating to the user;

a check input device to receive a negotiable instrument input by the user;

a storage device to store data relating to at least one user that has previously used the apparatus and biometric data relating to at least one user that has previously used the apparatus; and

a processor to process the data input by the user, the received biometric data, the stored data, and the stored biometric data and to attempt to perform a determination of whether to dispense cash in exchange for the negotiable instrument, wherein if the processor cannot perform the determination, the processor further transmits at least the user identification and the received biometric data to a remote service center, the remote service center including a remote storage device that stores data relating to a plurality of users and biometric data relating to the plurality of users.

6. The apparatus of claim 5, further comprising a card reader device to read a magnetic strip on the card, wherein the apparatus further performs traditional automatic teller machine (ATM) functions.

7. The apparatus of claim 5, further comprising a biometric device to automatically collect biometric data relating to the user.

8. The apparatus of claim 7, wherein the biometric device comprises at least one camera, and wherein the biometric data comprises at least one image of the user'"'"'s face.

9. An automated check-cashing apparatus, comprising:

an input device configured to generate input signals in response to inputs from a customer presenting a check to be processed;

a storage device including a database of customer information;

a check reader configured to receive and read the check to be processed, including reading the amount of the check by optical character recognition;

a cash dispenser; and

an electronic processor connected to the input device, the storage device, the check reader, and the cash dispenser, and configured to;

receive the input signals from the input device;

receive information about the check to be processed from the check reader;

access the database of customer information to obtain data about the customer;

determine automatically whether to accept or reject the check based on the input signals, the received information about the check, and the data about the customer;

confirm an identity of the customer based on biometric information about the customer;

after confirming the identity of the customer, determine automatically whether to accept or reject the check by applying a set of business rules, wherein the business rules are defined generally to permit the processor to accept the check if the customer has used the apparatus previously to cash a previous check for a similar amount from a payor associated with the check to be processed; and

upon accepting the check, signal the cash dispenser to dispense cash to the customer.