Document processing system using full image scanning

• US 7,187,795 B2
• Filed: 09/27/2001
• Issued: 03/06/2007
• Est. Priority Date: 09/27/2001
• Status: Active Grant

• 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): Bali; Vikkram
• Assistant Examiner(s): BHATNAGAR, ANAND P
• Application Number:
  US09/965,428
• Publication Number:
  US 20030059098A1
• Time in Patent Office: 1,986 Days
• Field of Search: 382/100, 382135-140, 209/534, 235/379, 902/7
• US Class Current: 382/135
• CPC Class Codes: G06F 18/00 Pattern recognition
• CPC Class Codes: G06Q 20/042 characterized in that the payment protocol involves at least one cheque
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/108 Remote banking, e.g. home banking
• CPC Class Codes: G06Q 30/0185 Product, service or business identity fraud
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: G06Q 40/12 Accounting
• CPC Class Codes: G07D 7/0043 using barcodes
• CPC Class Codes: G07D 7/0047 using checkcodes, e.g. coded numbers derived from serial number and denomination
• CPC Class Codes: G07D 7/121 Apparatus characterised by sensor details
• 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

A system for tracking currency bills comprises a currency scanning device. The scanning device includes a sensor that retrieves currency identification characteristic information of each bill processed. The currency identification characteristic information permits the unique identification of each bill processed. The system further comprises a customer identification means and means for associating each processed bill with the customer depositing the bill. Means for identifying the customer (or customer account) associated with a particular processed bill after the deposit transaction has been completed is also included in the system.

Claims

1. A system for processing documents, the system comprising:

at least one input receptacle that receives a stack of documents;

at least one output receptacle that receives the stack of documents;

an image scanning system that obtains an image of at least a portion of at least one side of each document in the stack and extracts, from the document image, an amount of information which uniquely identifies the document;

a transport mechanism that transports each of the documents in the stack, one at a time, from the at least one input receptacle, past the image scanning system, to the at least one output receptacle;

a memory that stores an amount of information which identifies at least one counterfeit document; and

a processor operating to compare the extracted amount of information which uniquely identifies each document in the stack to the stored amount of information which identifies at least one counterfeit document, and to identify, as a suspected counterfeit document, any document in the stack with matching information.

2. The system according to claim 1, wherein the amount of information which uniquely identifies each document is character information contained in a predetermined field of a document image, and wherein the amount of information which identifies a counterfeit document is character information contained in a predetermined field of a counterfeit document image, the processor identifying the document as a suspected counterfeit document if the character information matches.

3. The system according to claim 1, wherein the amount of information which uniquely identifies each document is an encoded data contained in a field of a document image, and wherein the amount of information which identifies a counterfeit document is an encoded data contained in a field of a counterfeit document image.

4. The system according to claim 1, wherein the processor is a portion of the image scanner and is linked to the memory.

5. The system according to claim 1, wherein the processor is a controller that is linked to the image scanner and the memory.

6. The system according to claim 1, wherein the image scanning system locates a field of the document image and extracts the amount of information from the field.

7. The system according to claim 1, wherein the image scanning system comprises optical character recognition capability to extract characters as the amount of information from the document image.

8. The system according to claim 1, wherein the image scanning system comprises optical character recognition capability to locate a field in the document image and to extract characters as the amount of information from the field.

9. The system according to claim 1, wherein the transport mechanism transports the documents in a direction that is perpendicular to a longer edge of the document.

10. The system according to claim 1, wherein the image scanning system obtains an image of at least a portion of each side of each document and extracts the amount of information which uniquely identifies the document from either document image.

11. The system according to claim 1, wherein the memory is remotely located from the at least one input receptacle and the image scanner.

12. The system according to claim 11, wherein the memory is further linked to a network.

13. The system according to claim 12, further comprising a plurality of systems linked to the network and each of the plurality of systems adapted to communicate with the memory via the network in comparing the extracted amount of information which uniquely identifies each document to the stored amount of information which identifies at least one counterfeit document, and identifying, as a suspect document, any document with matching information.

14. The system according to claim 13, wherein the plurality of systems are located at more than one financial institution.

15. The system according to claim 1, further comprising a discrimination and authentication unit that tests each of the documents using one or more tests for detecting counterfeit documents;

wherein;

the transport mechanism further transports each of the documents, one at a time, past the discrimination and authentication unit; and

the processor further updates the counterfeit document information stored in the memory with the extracted amount of information which uniquely identifies each document that fails one or more tests for detecting counterfeit documents.

16. The system according to claim 15, wherein the memory is remotely located from the at least one input receptacle, the image scanner and the discrimination and authentication unit.

17. The system according to claim 16, wherein the memory is further linked to a network.

18. The system according to claim 17, further comprising a plurality of systems linked to the network and each of the plurality of systems adapted to communicate with the memory via the network in comparing the extracted amount of information which uniquely identifies each document to the stored amount of information which identifies at least one counterfeit document, and identifying, as a suspect document, any document with matching information.

19. The system according to claim 18, wherein the plurality of systems are located at more than one financial institution.

20. The system according to claim 1, wherein:

the documents are currency bills;

the amount of information which uniquely identifies the documents are currency bill serial numbers; and

the amount of information which identifies at least one counterfeit document is at least one counterfeit currency bill serial number.

21. The system according to claim 20, wherein:

the image scanning system obtains an image of at least a portion of each side of each currency bill and extracts the currency bill serial number from either currency bill image;

the image scanning system further extracts, from either currency bill image, at least one of a series number, a signatory name, a back plate number, a city code, a front plate number, a print code and a dollar amount.

22. The system according to claim 1, wherein:

the documents are checks;

the amount of information which uniquely identifies the documents is at least one of an ABA number, an account number and a check number; and

the amount of information which identifies at least one counterfeit document is at least one of a flagged ABA number, a flagged account number, and a flagged check number.

23. The system according to claim 22, wherein the at least one flagged ABA number, the at least one flagged account number, and/or the at least one flagged check number are associated with counterfeit checks, accounts with insufficient funds, checks with stop payment orders, accounts with holds, overdrawn accounts, and/or closed accounts.

24. The system according to claim 1, wherein:

the documents are currency bills and checks;

the amount of information which uniquely identifies the documents, that are currency bills, are currency bill serial numbers;

the amount of information which uniquely identifies the documents, that are checks, is at least one of an ABA number, an account number and a check number;

the amount of information which identifies at least one counterfeit document, that is a currency bill, is at least one counterfeit currency bill serial number; and

the amount of information which identifies at least one counterfeit document, that is a check, is at least one of a flagged ABA number, a flagged account number, and a flagged check number.

25. The system according to claim 24, wherein the at least one flagged ABA number, the at least one flagged account number, and/or the at least one flagged check number are associated with counterfeit checks, accounts with insufficient funds, checks with stop payment orders, accounts with holds, overdrawn accounts, and/or closed accounts.

26. A method for processing documents, the method comprising:

obtaining an image of at least a portion of at least one side of each of a plurality of documents transported from a stack of document;

extracting, from the image of each of the plurality of documents, an amount of information which uniquely identifies the document;

storing an amount of information which identifies at least one counterfeit document;

comparing the extracted amount of information which uniquely identifies each of the plurality of documents to the stored amount of information which identifies at least one counterfeit document; and

identifying, as a suspected counterfeit document, the documents from the stack with matching information.

27. The method of claim 26, further comprising:

receiving the plurality of documents into at least one input receptacle; and

transporting each of the plurality of documents, one at a time, from the at least one input receptacle to at least one output receptacle.

28. The method of claim 26, further comprising rejecting any document identified as suspect.

29. The method of claim 26, further comprising halting processing of the plurality of documents if any of the documents are identified as suspect documents.

30. The method of claim 26, further comprising alerting an operator if any of the documents are identified as suspect documents.

31. The method of claim 26, further comprising indicating if any of the documents are identified as suspect documents.

32. The method of claim 26, further comprising:

obtaining an image of at least a portion of each side of each of the plurality of documents; and

extracting from either image of each of the plurality of documents, the amount of information which uniquely identifies the document.

33. The method of claim 26, further comprising:

accessing the information which identifies at least one counterfeit document via a network;

comparing, via the network, the extracted information uniquely identifying each of the plurality of documents to the stored counterfeit document information.

34. The method of claim 33, further comprising comparing, at a plurality of locations at more than one financial institution, the extracted amount of information which uniquely identifies each of the plurality of documents to the stored amount of information which identifies at least one counterfeit document.

35. The method of claim 26, further comprising:

testing each of the plurality of documents with one or more tests for detecting counterfeit documents; and

updating the stored information which identifies at least one counterfeit document with the extracted amount of information which uniquely identifies each document that fails the one or more tests for detecting counterfeit documents.

36. The method of claim 35, further comprising:

accessing, via a network, the stored amount of information which identifies at least one counterfeit document;

comparing, via the network, the extracted amount of information which uniquely identifies each of the plurality of documents to the stored amount of information which identifies at least one counterfeit document; and

updating, via the network, the stored amount of information which identifies at least one counterfeit document with the extracted amount of information which uniquely identifies each of the plurality of documents that fail any of the one or more tests for detecting counterfeit documents.

37. The method of claim 36, further comprising comparing, via the network, at a plurality of locations at more than one financial institution, the extracted amount of information which uniquely identifies each of the plurality of documents to the stored amount of information which identifies at least one counterfeit document.

38. The method according to claim 26, wherein:

the documents are currency bills;

the amount of information which uniquely identifies the documents are currency bill serial numbers; and

the amount of information which identifies at least one counterfeit document is at least one counterfeit currency bill serial number.

39. The method according to claim 38, further comprising:

obtaining an image of at least a portion of each side of each currency bill and extracting the currency bill serial number from either currency bill image;

obtaining, from either currency bill image, at least one of a series number, a signatory name, a back plate number, a city code, a front plate number, a print code and a dollar amount.

40. The method according to claim 26, wherein:

the documents are checks;

the amount of information which uniquely identifies the documents is at least one of an ABA number, an account number and a check number; and

the amount of information which identifies at least one counterfeit document is at least one of a flagged ABA number, a flagged account number, and a flagged check number.

41. The method according to claim 40, wherein the at least one flagged ABA number, the at least one flagged account number, and/or the at least one flagged check number are associated with counterfeit checks, accounts with insufficient funds, checks with stop payment orders, accounts with holds, overdrawn accounts, and/or closed accounts.

42. The method according to claim 26, wherein:

the documents are currency bills and checks;

the amount of information which uniquely identifies the documents, that are currency bills, are currency bill serial numbers;

the amount of information which uniquely identifies the documents, that are checks, is at least one of an ABA number, an account number and a check number;

the amount of information which identifies at least one counterfeit document, that is a currency bill, is at least one counterfeit currency bill serial number; and

the amount of information which identifies at least one counterfeit document, that is a check, is at least one of a flagged ABA number, a flagged account number, and a flagged check number.

43. The method according to claim 42, wherein the at least one flagged ABA number, the at least one flagged account number, and/or the at least one flagged check number are associated with counterfeit checks, accounts with insufficient funds, checks with stop payment orders, accounts with holds, overdrawn accounts, and/or closed accounts.

44. A system for processing documents, the system comprising:

at least one input receptacle that receives a stack of documents;

at least one output receptacle that receives the stack of documents;

an image scanning system that obtains an image of at least a portion of at least one side of each document in the stack and extracts, from the document image, an amount of information which uniquely identifies the document;

an authentication unit that tests each document using one or more tests for detecting counterfeit documents;

a transport mechanism that transports each of the documents in the stack, one at a time, from the at least one input receptacle, past the image scanning system and authentication unit, to the at least one output receptacle;

a memory that stores an amount of information which identifies at least one counterfeit document; and

a processor operating to compare the extracted amount of information which uniquely identifies each document in the stack to the stored amount of information which identifies at least one counterfeit document, and to identify, as a suspect document, any document in the stack with matching information,

the processor further updates the amount of information stored in the memory with the extracted amount of information from any document that fails any of the one or more tests for detecting counterfeit documents.

45. A method for processing documents, the method comprising:

obtaining an image of at least a portion of at least one side of each of a plurality of documents transported from a stack of document;

extracting, from the image of each of the plurality of documents, an amount of information which uniquely identifies the document;

storing an amount of information which identifies at least one counterfeit document;

comparing the extracted amount of information which uniquely identifies each of the plurality of documents to the stored amount of information which identifies at least one counterfeit document;

identifying, as a suspect document, the documents from the stack with matching information;

testing each of the documents with one or more tests for detecting counterfeit documents; and

updating the stored amount of information with the extracted amount of information from any document that fails any of the one or more tests for detecting counterfeit documents.