Document processing system using full image scanning

• US 8,103,084 B2
• Filed: 08/19/2009
• Issued: 01/24/2012
• Est. Priority Date: 09/27/2001
• Status: Expired due to Term

• Current Assignee: Cummins-Allison Corporation (Crane Company)
• Original Assignee: Cummins-Allison Corporation (Crane Company)
• Inventors: Jones, John E., Jones, William J., Mennie, Douglas U., Jones, Paul A.
• Primary Examiner(s): BHATNAGAR, ANAND P
• Application Number:
  US12/544,000
• Publication Number:
  US 20100034454A1
• Time in Patent Office: 888 Days
• Field of Search: 382/100, 382135-140, 194/4, 209/534, 235/379, 902/7, 356/71, 705/45
• US Class Current: 382/140
• 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 checks comprising:

at least one input receptacle configured to receive checks;

at least one output receptacle configured to receive checks;

an image scanner configured to obtain an image of at least a portion of at least one side of each check and extract one or more of an ABA number, an account number, or a check number from the check image;

a transport mechanism configured to transport each check, one at a time, from the at least one input receptacle, past the image scanner, to the at least one output receptacle;

a memory configured to store one or more of a flagged ABA number, a flagged account number, or a flagged check number;

a processor operable to compare the extracted ABA number, the extracted account number, and/or the extracted check number to the flagged ABA number, the flagged account number, and/or the flagged check number stored in the memory, and the processor further configured to identify, as a suspect check, any check that has a match.

2. The system according to claim 1, wherein the processor is operable to create a searchable file for each received check, the searchable file comprising the extracted ABA number, the extracted account number, and/or the extracted check number;

and the memory configured to store the searchable file.

3. The system according to claim 1, wherein the checks are related to a transaction and wherein the processor is configured to create a searchable file for the transaction, the searchable file comprising the extracted ABA number, the extracted account number, and/or the extracted check number of each check related to the transaction;

and the memory is configured to store the searchable file.

4. The system according to claim 1, wherein the transport mechanism is configured to transport the checks in a direction that is perpendicular to a longer edge of the check.

5. The system according to claim 1, further comprising:

a discrimination and authentication unit configured to test each check using one or more tests for detecting counterfeit checks, wherein the transport mechanism is further configured to transport each check, one at a time, from the at least one input receptacle, past the discrimination and authentication unit, to the at least one output receptacle; and

the processor or another processor is operable to update the flagged ABA number, the flagged account number, and/or the flagged check number stored in the memory with the extracted ABA number, the extracted account number, and/or the extracted check number of any check that fails any of the one or more tests for detecting counterfeit checks.

6. The system according to claim 5, wherein:

the processor or another processor is further configured to create a searchable file for each received check, the searchable file comprising one or more of the extracted ABA number, the extracted account number, or the extracted check number; and

the memory is configured to store the searchable file.

7. The system according to claim 5, wherein the checks are related to a transaction, and wherein the processor or another processor is operable to create a searchable file for the transaction, the searchable file comprising one or more of the extracted ABA number, the extracted account number, or the extracted check number of each check related to the transaction;

and the memory is configured to store the searchable file.

8. The system of claim 1, wherein:

the at least one input receptacle is further configured to receive currency bills;

the at least one output receptacle is further configured to receive currency bills;

the image scanner is further configured to obtain an image of at least a portion of at least one side of each currency bill and extract a serial number from each currency bill image;

the transport mechanism is further configured to transport each currency bill from the at least one input receptacle, past the image scanner, to the at least one output receptacle;

the memory is further configured to store at least one counterfeit currency bill serial number; and

the processor or another processor is further operable to compare the extracted serial number of each currency bill to the at least one counterfeit currency bill serial number stored in the memory, and to identify, as a suspect currency bill, any currency bill having a serial number that matches the at least one counterfeit currency bill serial number.

9. The system according to claim 8, wherein the processor or another processor is further operable to create a searchable file for each check and each currency bill, the searchable file, for checks, comprising the extracted ABA number, the extracted account number, and/or the extracted check number, the searchable file, for currency bills, comprising the extracted currency bill serial number;

and the memory stores the searchable file.

10. The system according to claim 8, wherein the checks and the currency bills are related to a transaction, and wherein the processor or another processor is operable to create a searchable file for the transaction, the searchable file comprising the extracted ABA number, the extracted account number, and/or the extracted check number of each check related to the transaction, the searchable file further comprising the extracted currency bill serial number of each currency bill related to the transaction;

and the memory stores the searchable file.

11. The system according to claim 8, further comprising:

a discrimination and authentication unit linked to a controller operable to test each of the currency bills using one or more tests for detecting counterfeit currency bills, the controller further operable to test each of the checks using one or more tests for detecting counterfeit checks, wherein the transport mechanism is configured to transport each currency bill and each check from the at least one input receptacle, past the discrimination and authentication unit, to the at least one output receptacle; and

the processor or another processor is operable to update the memory to store as a counterfeit currency bill serial number the extracted serial number of each currency bill failing any of the one or more tests for detecting counterfeit currency bills, the processor or another processor being further operable to update the flagged ABA number, the flagged account number, and/or the flagged check number stored in the memory with the extracted ABA number, the extracted account number, and/or the extracted check number of any check that fails any of the one or more tests for detecting counterfeit checks.

12. The system according to claim 8, wherein:

the processor or another processor is further operable to create a searchable file for each currency bill and each check, the searchable file, for currency bills, comprising the extracted currency bill serial number, the searchable file, for checks, comprising the extracted ABA number, the extracted account number, and/or the extracted check number; and

the memory is operable to store the searchable file.

13. The system according to claim 8, wherein the currency bills and checks are related to a transaction, and wherein the processor or another processor is further operable to create a searchable file for the transaction, the searchable file comprising the extracted currency bill serial number of each currency bill related to the transaction and the extracted ABA number, the extracted account number, and/or the extracted check number of each check related to the transaction;

and the memory is operable to store the searchable file.

14. A method for processing checks, the method comprising:

obtaining, via an image scanner, an image of at least a portion of at least one side of each of a plurality of checks;

extracting, from the image of each of the plurality of checks, at least one of an ABA number, an account number, or a check number;

storing, in a memory device, one or more of a flagged ABA number, a flagged account number, or a flagged check number;

comparing, via one or more processors, the extracted ABA number, the extracted account number, and/or the extracted check number to the flagged ABA number, the flagged account number, and/or the flagged check number; and

identifying as a suspect check, via at least one of the one or more processors, any check with matching information.

15. The method of claim 14, further comprising:

creating a searchable file for each of the checks, the searchable file comprising the extracted ABA number, the extracted account number, and/or the extracted check number; and

storing the searchable file.

16. The method of claim 14, further comprising:

creating a searchable file for the plurality of checks, wherein the plurality of checks are related to a transaction, the searchable file comprising the extracted ABA number, the extracted account number, and/or the extracted check number of each check related to the transaction; and

storing the searchable file.

17. The method of claim 14, further comprising:

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

updating the flagged ABA number, the flagged account number, and/or the flagged check number with the extracted ABA number, the extracted account number, and/or the extracted check number of each check that fails any of the one or more tests for detecting counterfeit checks.

18. The method of claim 17, further comprising:

creating a searchable file for each of the plurality of checks, the searchable file comprising one or more of the extracted ABA number, the extracted account number, or the extracted check number; and

storing the searchable file.

19. The method of claim 18, further comprising:

creating a searchable file for the plurality of checks, wherein the plurality of checks are related to a transaction, the searchable file comprising one or more of the extracted ABA number, the extracted account number, or the extracted check number of each check related to the transaction; and

storing the searchable file.

20. The method of claim 14, further comprising:

obtaining an image of at least a portion of at least one side of each of a plurality of currency bills;

extracting, from the image of each of the plurality of currency bills, a serial number;

storing at least one counterfeit currency bill serial number;

comparing the extracted serial number to the at least one stored counterfeit currency bill serial number; and

identifying, as a suspect currency bill, the currency bills with the extracted serial numbers that match the at least one stored counterfeit currency bill serial number.

21. The method of claim 20, further comprising:

creating a searchable file for each check and each currency bill, the searchable file, for each check, comprising the extracted ABA number, the extracted account number, and/or the extracted check number, the searchable file, for each currency bill, comprising the extracted currency bill serial number; and

storing the searchable file.

22. The method of claim 20, further comprising:

creating a searchable file for the checks and the currency bills, wherein the checks and the currency bills are related to a transaction, the searchable file comprising the extracted ABA number, the extracted account number, and/or the extracted check number of each check related to the transaction and the extracted currency bill serial number of each currency bill related to the transaction; and

storing the searchable file.

23. The method of claim 20, further comprising:

testing each of the plurality of currency bills with one or more tests for detecting counterfeit currency bills;

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

updating the at least one stored counterfeit currency bill serial number with the extracted serial number of each of the currency bills that fail any of the one or more tests for detecting counterfeit currency bills; and

updating the at least one flagged ABA number, the at least one flagged account number, and/or the at least one flagged check number with the extracted ABA number, the extracted account number, and/or the extracted check number of each of the checks that fail any of the one or more tests for detecting counterfeit checks.

24. The method of claim 23, further comprising:

creating a searchable file for each currency bill and each check, the searchable file, for currency bills, comprising the extracted currency bill serial number, the searchable file, for checks, comprising the extracted ABA number, the extracted account number, and/or the extracted check number; and

storing the searchable file.

25. The method of claim 23, further comprising:

creating a searchable file for the currency bills and the checks, wherein the currency bills and the checks are related to a transaction, the searchable file comprising the extracted currency bill serial number of each currency bill related to the transaction and the extracted ABA number, the extracted account number, and/or the extracted check number of each check related to the transaction; and

storing the searchable file.

26. A system for processing checks comprising:

at least one input receptacle configured to receive checks;

at least one output receptacle configured to receive checks;

an image scanner configured to obtain an image of at least a portion of at least one side of each check and extracts, from the check image, one or more of an ABA number, an account number, or a check number;

a discrimination and authentication unit configured to test each check using one or more tests for detecting counterfeit checks;

a transport mechanism configured to transport each check, one at a time, from the at least one input receptacle, past the image scanner and past the discrimination and authentication unit, to the at least one output receptacle;

a memory configured to store one or more of a flagged ABA number, a flagged account number, or a flagged check number;

a processor operable to compare the extracted ABA number, the extracted account number, and/or the extracted check number to the flagged ABA number, the flagged account number, and/or the flagged check number and identify, as a suspect check, any check with matching information; and

the processor further operable to update the flagged ABA number, the flagged account number, and/or the flagged check number stored in the memory with the extracted ABA number, the extracted account number, and/or the extracted check number of any check that fails any of the one or more tests for detecting counterfeit checks.

27. The system according to claim 26, wherein:

the processor is configured to create a searchable file for each received check, the searchable file comprising one or more of the extracted ABA number, the extracted account number, or the extracted check number; and

the memory configured to store the searchable file.

28. The system according to claim 26, wherein the checks are related to a transaction and wherein the processor is operable to create a searchable file for the transaction, the searchable file comprising one or more of the extracted ABA number, the extracted account number, or the extracted check number of each check related to the transaction;

and the memory configured to store the searchable file.

29. A method for processing checks, the method comprising:

obtaining, via an imager, an image of at least a portion of at least one side of each of a plurality of checks;

extracting, from the image of each of the plurality of checks, one or more of an ABA number, an account number, or a check number;

storing, in a memory, one or more of a flagged ABA number, a flagged account number, or a flagged check number;

comparing, via one or more processors, the extracted ABA number, the extracted account number, and/or the extracted check number to the flagged ABA number, the flagged account number, and/or the flagged check number;

identifying as a suspect check, via at least one of the one or more processors, any check with matching information; and

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

updating the flagged ABA number, the flagged account number, and/or the flagged check number with the extracted ABA number, the extracted account number, and/or the extracted check number of each check that fails any of the one or more tests for detecting counterfeit checks.

30. The method of claim 29, further comprising:

creating a searchable file for each of the plurality of checks, the searchable file comprising one or more of the extracted ABA number, the extracted account number, or the extracted check number; and

storing the searchable file.

31. The method of claim 30, further comprising:

creating a searchable file for the plurality of checks, wherein the plurality of checks are related to a transaction, the searchable file comprising one or more of the extracted ABA number, the extracted account number, or the extracted check number of each check related to the transaction; and

storing the searchable file.

32. A system for processing currency bills and checks, the system comprising:

at least one input receptacle configured to receive currency bills and checks;

at least one output receptacle configured to receive currency bills and checks;

an image scanner configured to obtain an image of at least a portion of at least one side of each currency bill and each check;

the image scanner configured to extract a serial number from each currency bill image;

the image scanner configured to extract one or more of an ABA number, an account number, or a check number from each check image;

a transport mechanism configured to transport each currency bill and each check, one at a time, from the at least one input receptacle, past the image scanner, to the at least one output receptacle;

a memory configured to store at least one counterfeit currency bill serial number and one or more of a flagged ABA number, a flagged account number, or a flagged check number;

a processor operable to compare the extracted serial number of each currency bill to the at least one counterfeit currency bill serial number stored in the memory, and to identify, as a suspect currency bill, any currency bill having a serial number that matches the at least one counterfeit currency bill serial number; and

the processor further operable to compare the extracted ABA number, the extracted account number, and/or the extracted check number of each check to the flagged ABA number, the flagged account number, and/or the flagged check number stored in the memory, and to identify, as a suspect check, any check that has a match.

33. The system according to claim 32, wherein the processor is operable to create a searchable file for each check and each currency bill, the searchable file, for checks, comprising the extracted ABA number, the extracted account number, and/or the extracted check number, the searchable file, for currency bills, comprising the extracted currency bill serial number;

and the memory stores the searchable file.

34. The system according to claim 32, wherein the checks and the currency bills are related to a transaction and wherein the processor is operable to create a searchable file for the transaction, the searchable file comprising the extracted ABA number, the extracted account number, and/or the extracted check number of each check related to the transaction, the searchable file further comprising the extracted currency bill serial number of each currency bill related to the transaction;

and the memory stores the searchable file.

35. A method for processing currency bills and checks, the method comprising:

obtaining an image of at least a portion of at least one side of each of a plurality of currency bills;

obtaining an image of at least a portion of at least one side of each of a plurality of checks;

extracting, from the image of each of the plurality of currency bills, a serial number;

extracting, from the image of each of the plurality of checks, one or more of an ABA number, an account number, or a check number;

storing at least one counterfeit currency bill serial number;

storing one or more of a flagged ABA number, a flagged account number, or a flagged check number;

comparing the extracted serial number to the at least one stored counterfeit currency bill serial number;

comparing the extracted ABA number, the extracted account number, and/or the extracted check number of each of the plurality of checks to the at least one flagged ABA number, the at least one flagged account number, and/or the at least one flagged check number;

identifying, as a suspect currency bill, the currency bills with the extracted serial numbers that match the at least one stored counterfeit currency bill serial number; and

identifying, as a suspect check, the checks with the extracted ABA number, the extracted account number, and/or the extracted check number that match the flagged ABA number, the flagged account number, and/or the flagged check number.