Automated document processing system and method

• US 6,810,137 B2
• Filed: 02/11/2002
• Issued: 10/26/2004
• Est. Priority Date: 05/13/1996
• Status: Expired due to Fees

• Current Assignee: Cummins-Allison Corporation (Crane Company)
• Original Assignee: Cummins-Allison Corporation (Crane Company)
• Inventors: Mennie, Douglas U., Jones, John E., Jones, William J., Jones, Paul A.
• Primary Examiner(s): Johns, Andrew W.
• Application Number:
  US10/073,646
• Publication Number:
  US 20020118871A1
• Time in Patent Office: 988 Days
• Field of Search: 382/135, 382/137, 382/138, 382/282, 382/309, 382/310, 382/311, 382/318, 340/5.86, 356/71, 209/534, 705/45, 902/6, 902/7, 235/379
• US Class Current: 382/135
• CPC Class Codes: G06Q 10/10 Office automation; Time management
• CPC Class Codes: G06Q 20/042 characterized in that the payment protocol involves at least one cheque
• CPC Class Codes: G06Q 20/0425 the cheque being electronic only
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/105 involving programming of a portable memory device, e.g. IC cards, "electronic purses"
• CPC Class Codes: G06Q 20/108 Remote banking, e.g. home banking
• CPC Class Codes: G06Q 20/1085 involving automatic teller machines [ATMs]
• CPC Class Codes: G06Q 20/18 involving self-service terminals [SST], vending machines, kiosks or multimedia terminals
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03
• CPC Class Codes: G06T 1/00 General purpose image data processing
• CPC Class Codes: G06V 30/10 Character recognition
• CPC Class Codes: G06V 30/127 with the intervention of an operator
• CPC Class Codes: G06V 30/274 Syntactic or semantic context, e.g. balancing
• CPC Class Codes: G07D 11/50 Sorting or counting valuable papers
• CPC Class Codes: G07D 7/04 Testing magnetic properties of the materials thereof, e.g. by detection of magnetic imprint G07D7/01 takes precedence
• CPC Class Codes: G07D 7/06 using wave or particle radiation
• CPC Class Codes: G07D 7/12 Visible light, infrared or ultraviolet radiation
• CPC Class Codes: G07D 7/1205 Testing spectral properties
• CPC Class Codes: G07D 7/20 : Testing patterns thereon G07D7/004, G07D7/005 take precedence
• 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 19/207 : Surveillance aspects at ATMs
• CPC Class Codes: G07F 7/04 : by paper currency

Abstract

A document processing system comprises an input receptacle for receiving documents. A transport mechanism receives the documents from the input receptacle and transports the documents past a full image scanner and a discrimination unit. An output receptacle receives the documents from the transport mechanism after being transported past the full image scanner and the discrimination unit. The full image scanner includes means for obtaining a full video image of said documents, means for obtaining a image of a selected area of said documents, and means for obtaining information contained in said selected area of said document. The discrimination unit includes means for determining the authenticity of said document. A system controller directs the flows of documents over the transport mechanism.

Claims

1. A document processing system for accepting bank notes and financial institution documents, comprising:

an input receptacle receiving bank notes and financial institution documents;

an image scanner;

a discrimination unit;

a transport mechanism coupled to the input receptacle adapted to receive the bank notes and financial institution documents from the input receptacle and transport the financial institution documents for imaging by the image scanner and the bank notes or discriminating by the discrimination unit;

an output receptacle receiving the bank notes and the financial institution documents from the transport mechanism after being transported past the discrimination unit and the full image scanner;

the image scanner being adapted to obtain images of the financial institution documents, optically recognize fields within the financial institution documents and to extract information from the fields;

the discrimination unit being adapted to obtain the denomination of the bank notes; and

an interface adapted to communicate with an accounting system, the accounting system being adapted to update financial accounts associated with the financial institution documents and the bank notes.

2. The document processing system of claim 1, wherein the output receptacle is a single bin.

3. The document processing system of claim 1, wherein the output receptacle is a plurality of bins.

4. The document processing system of claim 3, wherein one of the plurality of bins is an off sort bin.

5. The document processing system of claim 1, further comprising a communications panel adapted to communicate operational instruction to a user.

6. The document processing system of claim 1, wherein the interface is further adapted to send the images of the financial institution documents to the accounting system.

7. The document processing system of claim 6, wherein the accounting system is a deposit system.

8. The document processing system of claim 6, wherein the accounting system is a payment system.

9. The document processing system of claim 1, wherein the financial institution documents and the bank notes have wide and narrow dimensions and the financial institution documents and the bank notes are transported with their narrow dimension parallel to a direction of transport.

10. The document processing system of claim 1, wherein the financial institution documents and the bank notes have wide and narrow dimensions and the financial institution documents and the bank notes are transported with their wide dimension parallel to a direction of transport.

11. The document processing system of claim 1, wherein the discrimination unit includes an authenticator adapted to determine the authenticity of the bank notes.

12. The document processing system of claim 1, wherein the financial institution documents are checks and deposit slips.

13. The document processing system of claim 1, wherein the financial institution documents are transfer slips.

14. The document processing system of claim 1, wherein the financial institution documents have first and second surfaces and the financial institution documents are imaged on first and second surfaces.

15. The document processing system of claim 1, wherein the output receptacle comprises two bins.

16. The document processing system of claim 15, wherein one of the two bins is an off sort bin.

17. The document processing system of claim 1, further comprising means for flagging financial institution documents and bank notes meeting or failing to meet predetermined criteria.

18. The document processing system of claim 17, wherein the means for flagging financial institution documents and bank notes flags a document by suspending the operation of the transport mechanism, the transport mechanism being halted so that the flagged document is located at a predetermined position within the system when the transport mechanism stops.

19. The document processing system of claim 1, further comprising a stacking wheel comprising flexible blades positioned to restack financial institution documents and bank notes in the output receptacle.

20. The document processing system of claim 1, wherein the system is further adapted to image and discriminate at a rate of at least 800 documents per minute.

21. The document processing system of claim 1, wherein the discrimination unit is adapted to discriminate bank notes from multiple countries.

22. The document processing system of claim 1, wherein the image scanner is further adapted to obtain images of the bank notes.

23. The document processing system of claim 1 wherein the accounting system updates financial accounts associated with the financial institution documents and the bank notes substantially immediately without human intervention.

24. The document processing system of claim 1 wherein the financial institution document images are video images.

25. The document processing system of claim 1 further including:

a display for displaying images obtained by the image scanner; and

a data entry device for user input of field information not optically recognized by the image scanner.

26. The document processing system of claim 1 wherein the financial institution documents are checks, and wherein the extracted optically recognized field information comprises check monetary value, and wherein the accounting system updates the financial account to account for the check monetary values and the currency bill denominations.

27. The document processing system of claim 26 wherein the accounting system update is an account crediting update.

28. The document processing system of claim 26 wherein the accounting system update is an account debiting update.

29. A document processing method, comprising:

receiving bank notes and financial institution documents in an input receptacle;

transporting the bank notes and financial institution documents from the input receptacle to an output receptacle;

obtaining images of the financial institution documents;

optically recognizing fields within the financial institution documents;

extracting information from the fields;

obtaining the denomination of the bank notes;

communicating with an accounting system;

updating, by the accounting system, of financial accounts associate with the financial institution documents and the bank notes.

30. The document processing method of claim 29 wherein the step of transporting comprises the steps of:

transporting the financial institution documents for imaging by an image scanner; and

transporting the bank notes for discriminating by a discrimination unit.

31. The document processing method of claim 29, wherein the output receptacle is a single bin.

32. The document processing method of claim 29, wherein the output receptacle is a plurality of bins.

33. The document processing method of claim 32, wherein one of the plurality of bins is an off sort bin.

34. The document processing method of claim 29, further comprising the step of sending the images of the financial institution documents to the accounting system.

35. The document processing method of claim 29, wherein the accounting system is a deposit system.

36. The document processing method of claim 29, wherein the accounting system is a payment system.

37. The document processing method of claim 29, wherein the financial institution documents and the bank notes have wide and narrow dimensions and the step of transporting includes the step of transporting the financial institution documents and the bank notes with their narrow dimension parallel to a direction of transport.

38. The document processing method of claim 29, wherein the financial institution documents and the bank notes have wide and narrow dimensions and the step of transporting includes the step of transporting the financial institution documents and the bank notes with their wide dimension parallel to a direction of transport.

39. The document processing method of claim 29, further including the step of determining the authenticity of the bank notes.

40. The document processing method of claim 29, wherein the financial institution documents are checks and deposit slips.

41. The document processing method of claim 29, wherein the financial institution documents are transfer slips.

42. The document processing method of claim 29, wherein the financial institution documents have first and second surfaces and the step of obtaining images comprises the step of obtaining images of the first and second surfaces.

43. The document processing method of claim 29, wherein the output receptacle comprises two bins.

44. The document processing method of claim 43, wherein one of the two bins is an off sort bin.

45. The document processing method of claim 29, further comprising the step of flagging financial institution documents and bank notes meeting or failing to meet predetermined criteria.

46. The document processing method of claim 45, wherein the step of flagging comprises the step of suspending transport so that the flagged document is located at a predetermined position.

47. The document processing method of claim 29, further comprising the step of restacking financial institution documents and bank notes in the output receptacle.

48. The document processing method of claim 29, wherein the steps of obtaining images and obtaining denomination occur at a rate of at least 800 documents per minute.

49. The document processing method of claim 29, wherein the step of obtaining denomination is capable of discriminating bank notes from multiple countries.

50. The document processing method of claim 29, wherein the step of obtaining images comprises the step of obtaining images of the bank notes.

51. The document processing method of claim 29 wherein the step of updating by the accounting system further includes the step of updating financial accounts associated with the financial institution documents and the bank notes substantially immediately without human intervention.

52. The document processing method of claim 29 wherein the financial institution document images are video images.

53. The document processing method of claim 29 further including the steps of:

displaying images; and

entering by a user of field information which is not optically recognized.

54. The document processing method of claim 29 wherein the financial institution documents are checks, and wherein the extracted optically recognized field information comprises check monetary value, and wherein the step of updating by the accounting system includes the step of updating the financial account to account for the check monetary values and the currency bill denominations.

55. The document processing method of claim 54 wherein the accounting system update is an account crediting update.

56. The document processing method of claim 54 wherein the accounting system update is an account debiting update.

57. A bank note processing system, comprising:

an input receptacle receiving bank notes;

an image scanner;

a discrimination unit;

a transport mechanism coupled to the input receptacle and adapted to receive the bank notes from the input receptacle and transport the bank notes past the image scanner and discrimination unit;

an output receptacle receiving the bank notes from the transport mechanism after the bank notes have been transported past the image scanner and discrimination unit;

the image scanner being adapted to obtain images of the bank notes, optically recognize fields within the bank notes and extract information from the fields; and

the discrimination unit being adapted to determine the authenticity of the bank notes.

58. The bank note processing system of claim 57, wherein the output receptacle is a single bin.

59. The bank note processing system of claim 57, wherein the output receptacle is a plurality of bins.

60. The bank note processing system of claim 59, wherein one of the plurality of bins is an off sort bin.

61. The bank note processing system of claim 57, further comprising an interface adapted to communicate with an accounting system, the accounting system being adapted to update financial accounts associated with the bank notes.

62. The bank note processing system of claim 61, wherein the interface is further adapted to transmit the images of the bank notes to the accounting system.

63. The bank note processing system of claim 61, wherein the interface is further adapted to transmit a full video image of the bank notes to the outside accounting system.

64. The bank note processing system of claim 57, wherein the bank notes have wide and narrow dimensions and the bank notes are transported with their narrow dimension parallel to a direction of transport.

65. The bank note processing system of claim 57, wherein the bank notes comprise first and second sides and the image scanner obtains an image of the first and second sides.

66. The bank note processing system of claim 57, wherein the output receptacle comprises two bins.

67. The bank note processing system of claim 66, wherein one of the two bins is an off sort bin.

68. The bank note processing system of claim 57, further comprising means for flagging bank notes meeting or failing to meet predetermined criteria.

69. The bank note processing system of claim 68, wherein the means for flagging documents flags a bank note by suspending the operation of the transport mechanism, the transport mechanism being halted so that the flagged bank note is located at a predetermined position within the system when the transport mechanism stops.

70. The bank note processing system of claim 57, further comprising a stacking wheel comprising flexible blades positioned to restack bank notes in the output receptacle.

71. The bank note processing system of claim 57, wherein the predetermined field is a serial number of the bank note.

72. The bank note processing system of claim 57, wherein the extracted field information represents a monetary value of the bank notes.

73. The bank note processing system of claim 72, further comprising an interface adapted to communicate the monetary value information with an accounting system, the accounting system being adapted to update financial accounts associated with the bank notes.

74. The bank note processing system of claim 73 wherein the accounting system updates the financial accounts with the bank note value substantially immediately without human intervention.

75. The bank note processing system of claim 57, wherein the transport mechanism conveys the bank notes past the image scanner and discrimination unit at a rate of at least 800 documents per minute.

76. The bank note processing system of claim 57, further including a communications panel adapted to communicate operational instructions to a user.

77. The bank note processing system of claim 57, further including a display for communicating an obtained image to a user.

78. The bank note processing system of claim 57, wherein the image scanner is further adapted to recognize a predetermined field in the bank note, the system further comprising a memory to store the extracted information from that predetermined field.

79. The bank note processing system of claim 78, wherein the predetermined field is a serial number field of the bank note and the extracted information is a bank note serial number.

80. A bank note processing method, comprising:

receiving bank notes in an input receptacle;

transporting the bank notes received from the input receptacle past an image scanner and a discrimination unit;

receiving the bank notes in an output receptacle after the bank notes have been transported past the image scanner and discrimination unit;

obtaining images of the bank notes with the image scanner;

optically recognizing fields within the bank notes;

extracting information from the fields; and

determining the authenticity of the bank notes with the discrimination unit.

81. The bank note processing method of claim 80, wherein the output receptacle is a single bin.

82. The bank note processing method of claim 80, wherein the output receptacle is a plurality of bins.

83. The bank note processing method of claim 82, wherein one of the plurality of bins is an off sort bin.

84. The bank note processing method of claim 80, further comprising:

communicating with an accounting system; and

updating, by the accounting system, financial accounts associated with the bank notes.

85. The bank note processing method of claim 84, wherein the step of communicating includes transmitting the images of the bank notes to the accounting system.

86. The bank note processing method of claim 84, wherein the step of communicating includes transmitting a video image of the bank notes to the outside accounting system.

87. The bank note processing method of claim 80, wherein the bank notes have wide and narrow dimensions and the step of transporting includes transporting the bank notes with their narrow dimension parallel to a direction of transport.

88. The bank note processing method of claim 80, wherein the bank notes comprise first and second sides and the step of obtaining includes obtaining an image of the first and second sides.

89. The bank note processing method of claim 80, wherein the output receptacle comprises two bins.

90. The bank note processing method of claim 89, wherein one of the two bins is an off sort bin.

91. The bank note processing method of claim 80, further comprising flagging bank notes meeting or failing to meet predetermined criteria.

92. The bank note processing method of claim 91, wherein the step of flagging includes suspending document transport so that the flagged bank note is located at a predetermined position.

93. The bank note processing method of claim 80, further comprising restacking bank notes in the output receptacle.

94. The bank note processing method of claim 80, wherein the predetermined field is a serial number of the bank note.

95. The bank note processing method of claim 80 wherein the extracted field information represents a monetary value of the bank notes.

96. The bank note processing method of claim 95, further comprising communicating the monetary value information to an accounting system, and updating, by the accounting system, of financial accounts associated with the bank notes.

97. The bank note processing method of claim 96 wherein the step of updating includes updating the financial accounts with the bank note value substantially immediately without human intervention.

98. The bank note processing method of claim 80, wherein the step of transporting includes conveying the bank notes past the image scanner and discrimination unit at a rate of at least 800 documents per minute.

99. The bank note processing method of claim 80, further including displaying a bank note image to a user.

100. The bank note processing method of claim 80, wherein the step of optically recognizing includes recognizing a predetermined field in the bank note, and further including storing the extracted information from that predetermined field.

101. The bank note processing method of claim 100, wherein the predetermined field is a serial number field of the bank note and the extracted information is a bank note serial number.