Device for digitizing and processing checks and driver licenses

• US 7,350,707 B2
• Filed: 08/04/2005
• Issued: 04/01/2008
• Est. Priority Date: 07/29/2004
• Status: Active Grant

• Current Assignee: Symbol Technologies, LLC (Zebra Technologies Corporation)
• Original Assignee: Symbol Technologies, Inc. (Zebra Technologies Corporation)
• Inventors: Sanders, Robert, Quinn, Alan J., Patel, Mehul, Barkan, Edward, Brock, Christopher
• Primary Examiner(s): Lee; Michael G.
• Assistant Examiner(s): Haupt; Kristy A.
• Application Number:
  US11/197,027
• Publication Number:
  US 20060022034A1
• Time in Patent Office: 971 Days
• Field of Search: 235/454, 340/146.3 E, 382/112, 382/137, 705/39
• US Class Current: 235/454
• 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: G07F 19/20 Automatic teller machines [ATMs]
• CPC Class Codes: G07F 19/201 Accessories of ATMs

Abstract

An integrated platform is provided for digitizing checks, driver licenses, and other documents, including the processing of the digitized checks in accordance with Check 21 standards and requirements and processing of driver licenses to obtain identification data, and for reading and decoding optical codes. The integrated platform includes a document scanner for digitizing checks, driver licenses, and other documents, and a data capture device for imaging and scanning optical codes, sensing RFID optical code signals, reading magnetic bars and smart cards. The processor executes application software for processing the digitized checks in accordance with Check 21 standards and requirements, for processing the digitized driver licenses, and for operating the data capture device.

Claims

1. A device for digitizing a driver license presented by an individual and decoding optical code data, said device comprising:

a scanner for scanning and digitizing said driver license;

at least one data capture module for generating data corresponding to an optical code and RFID tag positioned at a non-contact distance from said at least one data capture module; and

a processor capable of executing application software for operating said scanner and said at least one data capture module, for processing the digitized driver license to obtain identification data, and for decoding the optical code data, wherein the processor further executes the application software for performing an identity authentication procedure by comparing the identification data with identification data obtained by said device from a document other than said driver license for authenticating the identity of the individual.

2. The device according to claim 1, wherein the scanner is a swipe-type scanner.

3. The device according to claim 2, wherein the swipe-type scanner further includes a data capture module configured for generating optical code data of at least one bar code displayed on said driver license.

4. The device according to claim 1, wherein the scanner is further configured to scan and digitize a check and the processor is further configured to process said digitized check to conform with at least one predetermined requirement.

5. The device according to claim 4, wherein the at least one predetermined requirement is a requirement set forth by the Check 21 Act.

6. The device according to claim 4, wherein the at least one predetermined requirement is selected from the group consisting of providing a message to each digitized check, providing a MICR line to each digitized check, identifying the reconverting banks for each digitized check.

7. The device according to claim 1, wherein the at least one data capture module is selected from the group consisting of an imaging module, a laser scanning module, and a RFID reading module.

8. The device according to claim 1, further comprising communication circuitry controlled by said processor for transmitting the identification data.

9. The device according to claim 1, further comprising an actuation mechanism for transmitting at least one signal to said processor for operating said device between a first and a second mode, wherein in the first mode, said processor operates said scanner and in the second mode, said processor operates said at least one data capture module.

10. The device according to claim 9, wherein said actuation mechanism includes a sensor for determining if a driver license is positioned within a driver license receiving slot of said scanner.

11. The device according to claim 1, further comprising a magnetic reader, a display, a memory and at least one input device in operative communication with said processor.

12. The device according to claim 1, wherein said device is a point-of-sale terminal.

13. The device according to claim 1, further comprising a smart card reader in operative communication with the processor.

14. An integrated platform for digitizing a driver license presented by an individual and decoding optical code data, said device comprising:

a processor executing application software for operating a scanner for scanning and digitizing said driver license, for operating a first data capture module at a first time period for generating data corresponding to an optical code and operating a second data capture module at a second time period for generating data corresponding to an RFID tag positioned at a non-contact distance from said at least one data capture module, for

processing the digitized driver license to obtain identification data, and for decoding the optical code data, wherein the processor further executes the application software for performing an identity authentication procedure by comparing identification data obtained by scanning and digitizing said driver license with identification data obtained by said device from a document other than said driver license for authenticating the identity of the individual.

15. The integrated platform according to claim 14, wherein the at least one data capture module is selected from the group consisting of an imaging module, a laser scanning module, and a RFID reading module.

16. The integrated platform according to claim 14, further comprising communication circuitry controlled by said processor for transmitting data including the identification data.

17. The integrated platform according to claim 14, further comprising an actuation mechanism for transmitting at least one signal to said processor for operating said device between a first and a second mode, wherein in the first mode, said processor operates said scanner and in the second mode, said processor operates said at least one data capture module.

18. The integrated platform according to claim 17, wherein said actuation mechanism includes a sensor for determining if a driver license is positioned within a driver license receiving slot of said scanner.

19. The integrated platform according to claim 14, further comprising a magnetic reader, a display, a memory and at least one input device in operative communication with said processor.

20. The integrated platform according to claim 14, further comprising a smart card reader in operative communication with the processor.

21. Integrated platform according to claim 14, wherein the first time period and second time period are the same time period or different time periods.

22. A combination document scanner and optical code data decoding device comprising:

a document scanner for scanning and digitizing at least one document selected from the group consisting of a check and a driver license; and

a processor for simultaneously controlling the operation of said scanner for scanning and digitizing said at least one document and operating a first data capture module at a first time period for generating and decoding optical code data corresponding to an optical code and operating the second data capture module at a second time period for generating data corresponding to an RFID tag positioned at a non-contact distance from said at least one data capture module.

23. The device according to claim 22, wherein the at least one data capture module is selected from the group consisting of an imaging module, a laser scanning module, and a RFID reading module.

24. The device according to claim 22, wherein said device is a point-of-sale terminal.

25. The device according to claim 22, wherein the processor processes at least one check to conform with at least one predetermined requirement.

26. The device according to claim 25, wherein the at least one predetermined requirement is a requirement set forth by the Check 21 Act.

27. The device according to claim 25, wherein the at least one predetermined requirement is selected from the group consisting of providing a message to each digitized check, providing a MICR line to each digitized check, identifying the reconverting banks for each digitized check.

28. The device according to claim 22, further comprising a smart card reader in operative communication with the processor.

29. The device according to claim 22, wherein the first time period and second time period are the same time period or different time periods.