Check processing apparatus, program, electronic payment system, and check processing method
First Claim
1. A check processing apparatus for processing payments by check, comprising:
- a check image scanning unit for generating check image data of all or part of a check during a check transaction;
an identity verification information acquisition unit for capturing identity verification information from an identification item used to identify an individual using the check and provided by said individual during said check transaction;
an identity verification data generating unit for generating identity verification image data of the captured identity verification information;
a merge file generating unit for merging the check image data with the identity verification image data to generate an identification merged file;
a merged file storage unit for storing the identification merged file;
a merged file output unit for outputting the identification merged file;
a payment amount evaluation unit for determining if the payment amount of the check is greater than or equal to a specified fixed minimum amount previously set within said apparatus; and
an identity verification data acquisition control unit for determining to acquire identity verification data if the payment amount evaluation unit determines that the payment amount is at least said fixed minimum amount, and to not acquire identify verification data if the payment amount evaluation unit determines that the payment amount does not exceed said fixed minimum amount;
wherein the identity verification information acquisition unit captures identity verification information based on the decision of the identity verification data acquisition control unit; and
wherein said apparatus continues to process the payment by check irrespective of whether said payment amount exceeds or does not exceed said fixed minimum amount.
1 Assignment
0 Petitions
Accused Products
Abstract
A check processing apparatus and method acquire and save data verifying the identity of a person using a check, and output this information in an effective manner to prevent improper use of the check. A check scanner 140 images all or part of the presented check C. A photo ID scanner 110 scans personal identification 71 presented as proof of identity by the person using the check, and a controller 160 converts the scanner output to generate personal identification image data. A merge file generating means 170 merges the image data from the check scanner with the personal identification image data to produce a merged file. The merged file is stored in merged file storage means 180 and output to a display 33.
142 Citations
28 Claims
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1. A check processing apparatus for processing payments by check, comprising:
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a check image scanning unit for generating check image data of all or part of a check during a check transaction; an identity verification information acquisition unit for capturing identity verification information from an identification item used to identify an individual using the check and provided by said individual during said check transaction; an identity verification data generating unit for generating identity verification image data of the captured identity verification information; a merge file generating unit for merging the check image data with the identity verification image data to generate an identification merged file; a merged file storage unit for storing the identification merged file; a merged file output unit for outputting the identification merged file; a payment amount evaluation unit for determining if the payment amount of the check is greater than or equal to a specified fixed minimum amount previously set within said apparatus; and an identity verification data acquisition control unit for determining to acquire identity verification data if the payment amount evaluation unit determines that the payment amount is at least said fixed minimum amount, and to not acquire identify verification data if the payment amount evaluation unit determines that the payment amount does not exceed said fixed minimum amount; wherein the identity verification information acquisition unit captures identity verification information based on the decision of the identity verification data acquisition control unit; and wherein said apparatus continues to process the payment by check irrespective of whether said payment amount exceeds or does not exceed said fixed minimum amount. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17)
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18. A check processing method, comprising a processing device implementing the steps of:
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(a) imaging all or part of a check presented by a person using the check during a check transaction; (b) capturing identity verification information from an identification item used to identify the person using the check and provided by said person during said check transaction; (c) generating identity verification data as an image of the captured identity verification information; (d) merging the image data captured in step (a) and the identity verification data to generate an identification merged file; and (e) outputting the identification merged file; wherein steps (a) through (e) are implemented internally by said processing device. - View Dependent Claims (19, 20, 21, 22, 23, 24, 25, 26, 27, 28)
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Specification