Automated document cashing machine and method

• US 7,991,696 B2
• Filed: 01/13/2010
• Issued: 08/02/2011
• Est. Priority Date: 05/30/1997
• Status: Expired due to Fees

• Current Assignee: Capital Security Systems Incorporated
• Original Assignee: Capital Security Systems Incorporated
• Inventors: Gustin, Robin Haley, Park, Namsoo, Shekoory, Nabil, Livingston, Troy W.
• Primary Examiner(s): CAMPEN, KELLY SCAGGS
• Application Number:
  US12/687,116
• Publication Number:
  US 20100114766A1
• Time in Patent Office: 566 Days
• Field of Search: 705/43, 705/39, 705/30, 705/35, 705/24, 379/192, 235/379, 235/375
• US Class Current: 705/43
• CPC Class Codes: G06F 3/048 Interaction techniques based on graphical user interfaces [GUI]
• 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 20/102 Bill distribution or payments
• CPC Class Codes: G06Q 20/1085 involving automatic teller machines [ATMs]

Abstract

Validation of the identity of the user is performed with the use of a card associated with intelligence that identifies the user. Validation of the document involves one or more of: validating the presence of a signature; validating the amount of the monetary transaction document including a manual entry of the amount by the user; validating CAR against the LAR; and validating the banking system parameters and rules for the customer and/or the transaction. To assist in the automatic analysis of data on monetary transactional documents or on remittance documents, the user is prompted to provide a bounding box about the data. An image touch screen may be touched by the user to locate the bounding box and the user may magnify the data to fill the boundary box to exclude other data from analysis. After document and person validation, the system will dispense money or transfer monies to a savings account, a checking account, a smart card, or the like. The system will also write money orders or wire transfer money.

Claims

1. A method of making bank deposits with a monetary transaction document for a transaction in an automated system without the use of a teller, the method comprising:

providing an automated machine having a processor and a card receiver configured to receive a card having an intelligence associated therewith and to identify a system user as a qualified user;

instructing the system user to insert the monetary transaction document into the automated machine;

scanning the inserted monetary transaction document and generating a document image therefrom;

instructing the system user to enter an amount into the automated machine, which the amount is to be deposited;

reviewing images from a legal amount recognition (LAR) line and from a courtesy amount recognition (CAR) line and reviewing the amount entered by the system user by the processor to providing a confidence level;

ascertaining, by the processor, if an apparent signature from the document image is on a signature line of the document image;

determining, by the processor, if the signature is valid; and

providing an acceptance of deposit to the system user operable by the processor after qualification of the system user and an acceptable confidence level with respect to the monetary transaction document, wherein the confidence level is acceptable when the CAR line, the LAR line and the signature are confirmed as valid.

2. The method in accordance with claim 1, further comprising:

reading information comprising an amount from a magnetic ink character recognition (MICR) line on the monetary transaction document by a MICR reader and reviewing the amounts entered by the system user and read by the MICR reader to ascertain if a sufficient confidence level is present.

3. The method in accordance with claim 1, further comprising:

instructing the system user to define coordinates on the document image user and locating areas on the document image for the processor to review.

4. The method in accordance with claim 1, further comprising:

providing a touch screen; and

instructing the system user to touch the touch screen at areas on the document image for at least one of, the CAR line, LAR line, a date line, a magnetic ink character recognition (MICR) line, a name line and an address line.

5. The method in accordance with claim 4, further comprising:

arbitrating results from an analysis of the CAR line, LAR line, and the amount entered by the system user.

6. The method in accordance with claim 1, further comprising:

providing intelligent character recognition (ICR) engines and utilizing the ICR engines to recognize a particular portion of the document image;

providing a CAR engine and utilizing the CAR engine to provide confidence levels with respect to the CAR line; and

providing a LAR engine and utilizing the LAR engine to provide confidence levels with respect to the LAR line.

7. The method in accordance with claim 1, further comprising:

reviewing a magnetic ink character recognition (MICR) line on the monetary transaction document; and

reviewing a date for the transaction for meeting rules with respect to antedating or post-dating.

8. The method in accordance with claim 1, further comprising:

dispensing to the system user in cash a portion of the amount being deposited; and

writing any remainder from the amount being deposited onto a card of the system user.

9. The method in accordance with claim 1, further comprising displaying the document image to the system user.

10. An automated machine for receiving cash from a user and for dispensing cash to the user in a banking transaction, the automated machine comprising:

a card receiver configured to receive a card which assists in identifying the user as being qualified to perform transactions with the automated machine;

a document receiver configured to receive a monetary transaction document to be cashed;

a device configured to interpret an amount on the monetary transaction document;

a signature analyzer configured to analyze that a signature is present at a desired position on the monetary transaction document;

a cash dispenser in the automated machine configured to dispense cash to the user;

a cash receiver configured to receive cash;

a cash analyzer configured to analyze an amount of the cash received from the user;

a cash storage device associated with the automated machine configured to receive and store the cash received by or dispensed to the user; and

a transactional operator configured to be operated by the user to at least one of, cause a dispensing of cash to the user, perform a requested transaction upon deposit of sufficient cash by the user for the requested transaction, perform a requested transaction upon deposit of a sufficient check by the user for the requested transaction, or any combination thereof,

wherein the machine is configured to determine if the signature is valid and determine an acceptable confidence level with respect to the monetary transaction document, the confidence level being acceptable when a courtesy amount recognition (CAR) line, a monetary amount recognition (LAR) line and the signature are confirmed valid.

11. The automated machine in accordance with claim 10, further comprising:

an entering device configured for the user to enter the amount on the monetary transactional document.

12. The automated machine in accordance with claim 10, wherein the monetary transaction document is a money order.

13. The banking machine in accordance with claim 10, wherein the transaction is payment of one or more bills from one or more providers;

and the device to interpret the amount on the monetary transaction document comprises a scanner configured to scan the one or more providers'"'"' account number and an identification of the user of the one or more bills.

14. The automated machine in accordance with claim 13, wherein the cash receiver is configured to add cash bills received and to forward signals representing a total amount of cash being deposited;

and the automated machine further comprising;

a comparator configured to compare the cash being deposited relative to the amount scanned from the one or more bills by the scanner to ascertain if the total amount of cash covers the one or more bills and a transaction fee.

15. A method of automated banking for receiving cash from a user or for dispensing cash from an automated machine to the user in a transaction, the method comprising:

receiving a card receiver configured to receive a card, which assists in identifying the user as being qualified to use the automated machine;

instructing the user to insert a signed monetary transaction document into the automated machine;

providing a cash dispenser configured to dispense cash to the user if needed;

instructing the user to deposit cash into the automated machine and automatically calculating an amount of cash which is being deposited into the automated machine;

analyzing the signed monetary transaction document for the presence of a signature;

instructing the user to enter manually an amount of the monetary transaction document,

determining, by a processor, if the signature is valid; and

providing an acceptance of deposit to the user operable by the processor after qualification of the user and an acceptable confidence level with respect to the monetary transaction document, wherein the confidence level is acceptable when a courtesy amount recognition (CAR) line, a legal amount recognition (LAR) line and the signature are confirmed as valid.

16. The method in accordance with claim 15, further comprising:

inquiring of the user what transaction is to be performed with the deposited cash or from the signed monetary transaction document; and

automatically deducting a transaction fee for the transaction and displaying to the user an amount of the transaction fee.

17. The method in accordance with claim 15, wherein the signed monetary transaction is being cashed and inserted into a document receiver, and the method further comprises:

reading a cursive signature on the signed monetary transaction document;

verifying presence of the cursive signature; and

dispensing cash to the user.

18. The method in accordance with claim 15, further comprising:

determining if the user wants to pay a bill, instructing the user to insert the bill into the automated machine;

ascertaining a provider'"'"'s account number and user'"'"'s identification account number from the bill; and

sending signals over a network to cause a transfer of funds to an account of the provider of the bill.

19. The method in accordance with claim 15, further comprising:

recording the transaction on a storage medium; and

issuing a receipt to the user with a receipt printer.

20. The method in accordance with claim 19, further comprising:

generating change between an amount of transaction and an amount of cash or an amount written on the storage medium for the transaction; and

writing change onto a card for the user.