Automated document cashing system

• US 8,899,476 B2
• Filed: 11/06/2012
• Issued: 12/02/2014
• Est. Priority Date: 05/30/1997
• Status: Expired due to Fees

• Current Assignee: Capital Security Systems Incorporated
• Original Assignee: Capital Security Systems Incorporated
• Inventors: Park, Namsoo, Shekoory, Nabil, Gustin, Robin Haley, Livingston, Troy W.
• Primary Examiner(s): Haupt, Kristy A
• Application Number:
  US13/669,780
• Publication Number:
  US 20130062406A1
• Time in Patent Office: 756 Days
• Field of Search: 235/454, 235/379, 235/380
• US Class Current: 235/379
• 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. An apparatus comprising:

a card receiver configured to receive a card;

a card reader configured to read information from the card;

a user interface comprising a touch screen;

a cash dispenser configured to dispense cash;

a document receiver configured to receive a check to be deposited;

a scanner configured to image a front side of the check; and

a processor configured to (i) initiate validation of a PIN associated with the card and received from a user via the user interface;

(ii) cause display of the image of the check on the touch screen; and

(iii) cause display of a zoom of the displayed image in response to input from the user via the touch screen.

2. The apparatus of claim 1 further comprising:

a user validator configured to validate the user with a security confidence level; and

a document validator configured to validate the check with a security confidence level.

3. The apparatus of claim 2 wherein the document validator comprises an engine configured to extract data at a legal amount recognition (LAR) line and an engine configured to extract data at a courtesy amount recognition (CAR) line to provide security confidence levels that amounts from the CAR line and LAR line match one another.

4. The apparatus of claim 1, wherein

the scanner is configured to image both sides of the check;

and

wherein the processor is configured to cause the display of one side of the imaged check.