Automated check processing system with check imaging and accounting

• US 7,391,897 B2
• Filed: 03/23/2007
• Issued: 06/24/2008
• 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: Jones, John E., Jones, William J., Jones, Paul A., Gafron, Ronald M.
• Primary Examiner(s): TABATABAI, ABOLFAZL
• Application Number:
  US11/726,827
• Publication Number:
  US 20070172107A1
• Time in Patent Office: 459 Days
• Field of Search: 382135-140, 382/305, 382/310, 382/331, 194/203, 194/205, 194/206, 194/208, 194/209, 194/210, 194/211, 194/212, 194/213, 194/214, 194/215, 194/219, 194/221, 194/224, 194/340, 194/341, 235/379, 370/392, 209/534, 705/42, 705/45
• 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 an image scanner and a discrimination unit. An output receptacle receives the documents from the transport mechanism after being transported past the image scanner and the discrimination unit. The image scanner obtains an image of the documents, obtains an image of a selected area of the documents, and obtains information contained in the selected area of the document. The discrimination unit determines the authenticity of the document. A system controller directs the flows of documents over the transport mechanism.

Claims

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

an image processing device embodied in an automated banking machine that receives a paper check, scans the received paper check to create a check image of at least one side of the paper check and obtains check information relating to the scanned paper check; and

a communications link between the automated banking machine and an accounting system over which the check image and obtained check information is communicated;

wherein the accounting system is configured to update a funds balance of a financial account associated with the paper check in response to the obtained and communicated check information.

2. The system of claim 1, wherein the automated banking machine is an automated teller machine.

4. The system of claim 1, wherein the automated banking machine includes a dispensing unit for dispensing funds to a user of the machine.

5. The system of claim 1, wherein access to the automated banking machine is controlled by an identification card inserted by a user into a slot in the machine.

6. The system of claim 1, wherein the automated banking machine includes a video monitor configured for viewing the check image.

7. The system of claim 1, further comprising a remote video monitor linked to the automated banking machine wherein the monitor is configured for viewing the check image.

8. The system of claim 7, wherein the check image is displayed on the remote video monitor as a deposit is being entered into the automated banking machine.

9. The system of claim 7, wherein the check image is displayed on the remote video monitor after a deposit has been entered into the automated banking machine.

10. The system of claim 1, wherein the communications link is configured to communicate the check image and the check information in real-time between the automated banking machine and the accounting system.

11. The system of claim 1, further comprising at least one of a magnetic media device and an optical media device configured to receive at least a portion of the funds balance during the updating of the funds balance.

12. The system of claim 1, wherein the image processing device is configured to optically recognize fields within the scanned paper check and extract field data as the check information relating to the paper check.

13. The system of claim 12, wherein the extracted field data includes at least one of MICR data, CAR data and LAR data.

14. The system of claim 1, wherein the image processing device is configured to scan the received paper check on both sides to create the check image.

15. The system of claim 1, wherein the accounting system is configured to store check images.

16. The system of claim 1, wherein the accounting system is configured to credit funds to the financial account in response to updating the funds balance.

17. The system of claim 1, wherein the accounting system is configured to debit funds to the financial account in response to updating the funds balance.

18. The system of claim 1, wherein the check image comprises an image file including an image portion containing image data and a data portion containing check information relating to the paper check.

19. The system of claim 18, wherein the data portion includes check value, bank identification information and checking account number.

20. The system of claim 1, further comprising a sorting mechanism embodied within the automated banking machine for sorting the paper check into a bin that is designated for truncation of further processing of the paper check.

21. The system of claim 1, wherein the checks have a wide edge and a narrow edge, the system further comprising a transport mechanism operable to convey the checks along a transport path past the image processing device with their wide edges leading.

3. The system of 1, wherein the automated banking machine includes a user input panel configured to accept user commands.

22. A method for check processing comprising:

receiving a paper check in an input receptacle of an automated banking machine;

scanning the received paper check to create a check image of at least one side of the paper check;

obtaining check information relating to the scanned paper check;

communicating the check image and obtained check information to a financial account associated with the paper check; and

updating a funds balance of the financial account in response to the communicated check information.

23. The method of claim 22, wherein said automated banking machine is an automated teller machine.

24. The method of claim 22, further comprising truncating further processing of the paper check following scanning of the paper check.

25. The method of claim 22, wherein obtaining comprises optically recognizing fields within the scanned paper check so as to extract field data as the check information relating to the paper check.

26. The method of claim 22, wherein the extracted field data includes at least one of MICR data, CAR data and LAR data.

27. The method of claim 22, wherein scanning comprises scanning the received paper check on both sides to create the check image.

28. The method of claim 22, further including storing communicated check images.

29. The method of claim 28, wherein said check images are stored remotely from the automatic banking machine.

30. The method of claim 22, wherein updating the funds balance comprises crediting funds of the financial account.

31. The method of claim 22, wherein updating the funds balance comprises debiting funds of the financial account.

32. The method of claim 22, furthering comprising dispensing funds from the automated banking machine in response to a request for funds from a user of the machine.

33. The method of claim 22, furthering comprising displaying the check image on a video monitor on the automated banking machine.

34. The method of claim 22, furthering comprising displaying the check image on a remote video monitor.

35. The method system of claim 22, wherein the check image and the check information are communicated in real-time between the automated banking machine and an accounting system.

36. A check processing network comprising:

a plurality of check imaging devices, each such device configured to receive paper checks, scan the received paper checks to create check images of at least one side of the paper checks, and obtain check information relating to the scanned paper checks, wherein at least one of the check imaging devices is embodied in an automated teller machine;

a financial institution accounting system configured to receive the check images and update a funds balance of financial accounts in response to the obtained check information; and

a data communications network configured to interconnect the plurality of check imaging devices and the financial institution accounting system.

37. The network of claim 36, wherein the automated teller machine comprises a sorting mechanism for sorting paper checks into a bin that is designated for truncation of further processing of paper checks.

38. The network of claim 36, further including a memory associated with the accounting system for storing the check images.

39. The network of claim 36, wherein said check images are stored remotely from the automatic teller machine.

40. The network of claim 36, wherein the data communications network is a local area network (LAN).

41. The network of claim 40, wherein the LAN utilizes a common bus architecture.

42. The network of claim 40, wherein the LAN utilizes a ring topology.

43. The network of claim 40, wherein the LAN utilizes a star topology.

44. The network of claim 36, further including a cluster controller for interfacing the plurality of check imaging devices and the financial institution accounting system through the data communications network.

45. The network of claim 36, wherein the data communications network comprises the Internet.

46. The network of claim 36, wherein the automated teller machine includes a user input panel configured to accept user commands.

47. The system of claim 36, wherein the automated teller machine includes a dispensing unit for dispensing funds to a user of the machine.

48. The system of claim 36, wherein a slot in the automatic teller machine is configured to accept an identification card inserted by a user.

49. The network of claim 36, wherein a video monitor linked to the automated banking machine displays the check image.

50. The network of claim 36, wherein the financial institution accounting system is configured to receive the check image and the check information in real-time.

51. The network of claim 36, the check information comprises at least one of a customer check value, bank identification information and checking account number.