System and method for processing banknote and check deposits

• US 9,195,889 B2
• Filed: 02/04/2015
• Issued: 11/24/2015
• Est. Priority Date: 04/15/2009
• Status: Active Grant

• Current Assignee: Cummins-Allison Corporation (Crane Company)
• Original Assignee: Cummins-Allison Corporation (Crane Company)
• Inventors: Klein, Robert J., Mennie, Douglas U., Susai, Antony D., Jones, William J., Csulits, Frank M., Anderson, Matthew L., Jaeger, Ralf H., Badalamenti, David R., Beutel, Dale E.
• Primary Examiner(s): Newman, Michael A
• Application Number:
  US14/614,149
• Publication Number:
  US 20150146963A1
• Time in Patent Office: 293 Days
• Field of Search: 382/135, 382/137, 382/138, 382/309, 382/310, 902/7
• US Class Current: 1/1
• CPC Class Codes: G06Q 10/00 Administration; Management
• CPC Class Codes: G06V 10/96 Management of image or video recognition tasks
• CPC Class Codes: G06V 10/98 Detection or correction of errors, e.g. by rescanning the pattern or by human intervention; Evaluation of the quality of the acquired patterns
• CPC Class Codes: G06V 30/224 of printed characters having additional code marks or containing code marks
• CPC Class Codes: G06V 30/416 Extracting the logical structure, e.g. chapters, sections or page numbers; Identifying elements of the document, e.g. authors
• CPC Class Codes: G07D 11/30 Tracking or tracing valuable papers or cassettes
• CPC Class Codes: G07D 2211/00 Paper-money handling devices
• CPC Class Codes: G07D 7/00 Testing specially adapted to determine the identity or genuineness of valuable papers or for segregating those which are unacceptable, e.g. banknotes that are alien to a currency
• CPC Class Codes: G07D 7/003 using security elements using digital security elements G07D7/004
• CPC Class Codes: G07D 7/004 using digital security elements, e.g. information coded on a magnetic thread or strip
• CPC Class Codes: G07D 7/202 using pattern matching
• CPC Class Codes: G07D 7/2033 Matching unique patterns, i.e. patterns that are unique to each individual paper
• CPC Class Codes: G07F 19/202 Depositing operations within ATMs depositing in general G07D11/00

Abstract

A method of processing a deposit transaction includes populating, using a teller terminal, a data file associated with the deposit transaction with a customer account number located on a physical deposit slip associated with the deposit transaction. The deposit slip further includes a total currency bill deposit amount. Physical currency bills associated with the deposit transaction are received in an input receptacle of a document processing device. Each of the received physical currency bills associated with the deposit transaction are denominated using the document processing device to obtain a total value for the physical currency bills. An electronic cash-in ticket image having the total value for the physical currency bills and the customer account number is generated. The electronic cash-in ticket image is used by a proof of deposit system to balance the deposit transaction. The data file is populated with the total value for the physical currency bills.

Claims

1. A method of processing a deposit transaction using a document processing device, the document processing device being communicatively coupled with a teller terminal, a database, a proof of deposit system, and an accounting system, the method comprising:

receiving a physical deposit slip associated with the deposit transaction in an input receptacle of a document processing device, the deposit slip including (i) a customer account number, (ii) a total currency bill deposit amount, (iii) a total check deposit amount, and (iv) a total deposit amount;

generating image data associated with the physical deposit slip, the image data being reproducible as a visually readable image of the physical deposit slip;

extracting the customer account number from the image data associated with the physical deposit slip;

transmitting the extracted customer account number from the document processing device to the teller terminal;

populating, using the teller terminal, a data file associated with the deposit transaction with the extracted customer account number;

associating the visually readable image of the physical deposit slip with the data file;

receiving physical checks associated with the deposit transaction in the input receptacle of the document processing device;

generating image data associated with each of the physical checks, the image data associated with each of the physical checks being reproducible as a visually readable image of a corresponding physical check;

associating the visually readable images of the physical checks with the data file;

receiving physical currency bills associated with the deposit transaction in the input receptacle of the document processing device;

denominating, using the document processing device, each of the received physical currency bills associated with the deposit transaction to obtain a total value for the physical currency bills;

generating an electronic cash-in ticket image having (i) the total value for the physical currency bills and (ii) the customer account number;

associating the electronic cash-in ticket image with the data file;

populating the data file with the total value for the physical currency bills;

storing information associated with the deposit transaction in the database, the stored information including (i) the data file, (ii) the associated visually readable image of the physical deposit slip, (iii) the associated visually readable images of the physical checks, and (iv) the associated electronic cash-in ticket image;

using the proof of deposit system, balancing the deposit transaction using the stored information associated with the deposit transaction in the database; and

based on the balancing, updating the accounting system.

2. The method of claim 1, wherein the physical deposit slip and the physical checks are received in the input receptacle at the same time.

3. The method of claim 1, wherein the physical deposit slip, the physical checks, and the physical currency bills are received in the input receptacle at the same time.

4. The method of claim 1, further comprising prompting a user of the document processing device to insert the physical deposit slip associated with the deposit transaction into the input receptacle of the document processing device.

5. The method of claim 4, further comprising, after the receiving the physical deposit slip, prompting the user of the document processing device to insert the physical checks associated with the deposit transaction into the input receptacle of the document processing device.

6. The method of claim 5, further comprising, after the receiving the physical checks, prompting the user of the document processing device to insert the physical currency bills associated with the deposit transaction into the input receptacle of the document processing device.

7. The method of claim 1, wherein the balancing the deposit transaction includes insuring, for the deposit transaction, that debits equal credits.

8. The method of claim 1, wherein the updating the accounting system is automatically performed.

9. The method of claim 1, wherein the accounting system maintains a running record of account balances for a plurality of customer account numbers.

10. The method of claim 1, further comprising extracting a check amount for each of the visually readable images of the physical checks.

11. The method of claim 10, further comprising populating the data file with the extracted check amount for each of the physical checks.

12. The method of claim 1, wherein the generated electronic cash-in ticket image further includes a breakdown by denomination of a number of each denomination of physical currency bills received.

13. The method of claim 1, further comprising printing the generated electronic cash-in ticket image using a printer.

14. The method of claim 1, wherein the deposit slip further includes a number of deposited currency bills broken down by denomination, a number of deposited checks broken down by on-us checks and transit checks, a total on-us check deposit amount, a total transit check deposit amount, a total cashout amount, or any combination thereof.

15. The method of claim 1, wherein the extracting includes using an OCR algorithm.

31. The method of claim 1, further comprising transporting the received physical checks from the input receptacle of the document processing device in a wide-edge leading manner and transporting the received physical currency bills from the input receptacle of the document processing device in a wide-edge leading manner.

32. The method of claim 31, wherein the transporting the received physical checks includes transporting the received physical checks at a rate of at least about 800 checks per minute and the transporting the received physical currency bills includes transporting the received physical currency bills at a rate of at least about 800 currency bills per minute, and wherein the generating the image data associated with each of the physical checks includes generating the image data associated with each of the physical checks at a rate of at least about 800 checks per minute and wherein the denominating includes denominating each of the received physical currency bills at a rate of at least about 800 currency bills per minute.

33. The method of claim 31, wherein the transporting the received physical checks includes transporting the received physical checks at a rate of at least about 1000 checks per minute and the transporting the received physical currency bills includes transporting the received physical currency bills at a rate of at least about 1000 currency bills per minute, and wherein the generating the image data associated with each of the physical checks includes generating the image data associated with each of the physical checks at a rate of at least about 1000 checks per minute and wherein the denominating includes denominating each of the received physical currency bills at a rate of at least about 1000 currency bills per minute.

34. The method of claim 31, wherein the transporting the received physical checks includes transporting the received physical checks at a rate of at least about 1200 checks per minute and the transporting the received physical currency bills includes transporting the received physical currency bills at a rate of at least about 1200 currency bills per minute, and wherein the generating the image data associated with each of the physical checks includes generating the image data associated with each of the physical checks at a rate of at least about 1200 checks per minute and wherein the denominating includes denominating each of the received physical currency bills at a rate of at least about 1200 currency bills per minute.

35. The method of claim 31, wherein the transporting the received physical checks includes transporting the received physical checks at a rate of at least about 1500 checks per minute and the transporting the received physical currency bills includes transporting the received physical currency bills at a rate of at least about 1500 currency bills per minute, and wherein the generating the image data associated with each of the physical checks includes generating the image data associated with each of the physical checks at a rate of at least about 1500 checks per minute and wherein the denominating includes denominating each of the received physical currency bills at a rate of at least about 1500 currency bills per minute.

36. The method of claim 1, wherein the generating the image data associated with each of the physical checks includes generating the image data associated with each of the physical checks at a rate of at least about 800 checks per minute and wherein the denominating includes denominating each of the received physical currency bills at a rate of at least about 800 currency bills per minute.

37. The method of claim 1, wherein the generating the image data associated with each of the physical checks includes generating the image data associated with each of the physical checks at a rate of at least about 1000 checks per minute and wherein the denominating includes denominating each of the received physical currency bills at a rate of at least about 1000 currency bills per minute.

38. The method of claim 1, wherein the generating the image data associated with each of the physical checks includes generating the image data associated with each of the physical checks at a rate of at least about 1200 checks per minute and wherein the denominating includes denominating each of the received physical currency bills at a rate of at least about 1200 currency bills per minute.

39. The method of claim 1, wherein the generating the image data associated with each of the physical checks includes generating the image data associated with each of the physical checks at a rate of at least about 1500 checks per minute and wherein the denominating includes denominating each of the received physical currency bills at a rate of at least about 1500 currency bills per minute.

16. A method of processing a deposit transaction using a document processing device, the document processing device being communicatively coupled with a teller terminal, a database, a proof of deposit system, and an accounting system, the method comprising:

receiving a physical deposit slip associated with the deposit transaction in an input receptacle of a document processing device, the deposit slip including (i) a customer account number and (ii) a total currency bill deposit amount;

generating image data associated with the physical deposit slip, the image data being reproducible as a visually readable image of the physical deposit slip;

extracting the customer account number from the image data associated with the physical deposit slip;

transmitting the extracted customer account number from the document processing device to the teller terminal;

populating, using the teller terminal, a data file associated with the deposit transaction with the extracted customer account number;

receiving physical currency bills associated with the deposit transaction in the input receptacle of the document processing device;

denominating, using the document processing device, each of the received physical currency bills associated with the deposit transaction to obtain a total value for the physical currency bills;

generating an electronic cash-in ticket image having the total value for the physical currency bills;

populating the data file with the total value for the physical currency bills;

storing information associated with the deposit transaction in the database;

using the proof of deposit system, balancing the deposit transaction using the electronic cash-in ticket image and the stored information associated with the deposit transaction in the database; and

based on the balancing, updating the accounting system.

17. The method of claim 16, further comprising associating the visually readable image of the physical deposit slip with the data file.

18. The method of claim 16, wherein the generated electronic cash-in ticket image also includes the customer account number.

19. The method of claim 16, further comprising associating the electronic cash-in ticket image with the data file.

20. The method of claim 16, wherein the stored information includes (i) the data file, (ii) the visually readable image of the physical deposit slip, and (iii) the electronic cash-in ticket image.

40. The method of claim 16, further comprising transporting the received physical currency bills from the input receptacle of the document processing device in a wide-edge leading manner.

41. The method of claim 40, wherein the transporting the received physical currency bills includes transporting the received physical currency bills at a rate of at least about 800 currency bills per minute, and wherein the denominating includes denominating each of the received physical currency bills at a rate of at least about 800 currency bills per minute.

42. The method of claim 40, wherein the transporting the received physical currency bills includes transporting the received physical currency bills at a rate of at least about 1000 currency bills per minute, and wherein the denominating includes denominating each of the received physical currency bills at a rate of at least about 1000 currency bills per minute.

43. The method of claim 40, wherein the transporting the received physical currency bills includes transporting the received physical currency bills at a rate of at least about 1200 currency bills per minute, and wherein the denominating includes denominating each of the received physical currency bills at a rate of at least about 1200 currency bills per minute.

44. The method of claim 40, wherein the transporting the received physical currency bills includes transporting the received physical currency bills at a rate of at least about 1500 currency bills per minute, and wherein the denominating includes denominating each of the received physical currency bills at a rate of at least about 1500 currency bills per minute.

45. The method of claim 16, wherein the denominating includes denominating each of the received physical currency bills at a rate of at least about 800 currency bills per minute.

46. The method of claim 16, wherein the denominating includes denominating each of the received physical currency bills at a rate of at least about 1000 currency bills per minute.

47. The method of claim 16, wherein the denominating includes denominating each of the received physical currency bills at a rate of at least about 1200 currency bills per minute.

48. The method of claim 16, wherein the denominating includes denominating each of the received physical currency bills at a rate of at least about 1500 currency bills per minute.

21. A method of processing a deposit transaction using a document processing device, the document processing device being communicatively coupled with a teller terminal, a proof of deposit system, and an accounting system, the method comprising:

receiving, using a keyboard of the teller terminal, a customer account number located on a physical deposit slip associated with the deposit transaction, the deposit slip further including a total currency bill deposit amount;

populating, using the teller terminal, a data file associated with the deposit transaction with the received customer account number;

receiving physical currency bills associated with the deposit transaction in an input receptacle of the document processing device;

denominating, using the document processing device, each of the received physical currency bills associated with the deposit transaction to obtain a total value for the physical currency bills;

generating an electronic cash-in ticket having the total value for the physical currency bills;

populating the data file with the total value for the physical currency bills;

using the proof of deposit system, balancing the deposit transaction using the electronic cash-in ticket; and

based on the balancing, updating the accounting system.

22. The method of claim 21, further comprising, prior to the balancing, storing information associated with the deposit transaction in a database communicatively coupled with the accounting system, the stored information includes (i) the data file, (ii) a visually readable image of the physical deposit slip, and (iii) the electronic cash-in ticket.

23. The method of claim 22, wherein the balancing the deposit transaction includes using the stored information associated with the deposit transaction in the database.

24. The method of claim 21, further comprising imaging the physical deposit slip to generate image data that is reproducible as a visually readable image of the physical deposit slip.

25. The method of claim 24, further comprising associating the visually readable image of the physical deposit slip with the data file.

26. The method of claim 21, wherein the generated electronic cash-in ticket also includes the customer account number.

27. The method of claim 21, further comprising associating the electronic cash-in ticket with the data file.

49. The method of claim 21, further comprising transporting the received physical currency bills from the input receptacle of the document processing device in a wide-edge leading manner.

50. The method of claim 49, wherein the transporting the received physical currency bills includes transporting the received physical currency bills at a rate of at least about 800 currency bills per minute, and wherein the denominating includes denominating each of the received physical currency bills at a rate of at least about 800 currency bills per minute.

51. The method of claim 49, wherein the transporting the received physical currency bills includes transporting the received physical currency bills at a rate of at least about 1000 currency bills per minute, and wherein the denominating includes denominating each of the received physical currency bills at a rate of at least about 1000 currency bills per minute.

52. The method of claim 49, wherein the transporting the received physical currency bills includes transporting the received physical currency bills at a rate of at least about 1200 currency bills per minute, and wherein the denominating includes denominating each of the received physical currency bills at a rate of at least about 1200 currency bills per minute.

53. The method of claim 49, wherein the transporting the received physical currency bills includes transporting the received physical currency bills at a rate of at least about 1500 currency bills per minute, and wherein the denominating includes denominating each of the received physical currency bills at a rate of at least about 1500 currency bills per minute.

54. The method of claim 21, wherein the denominating includes denominating each of the received physical currency bills at a rate of at least about 800 currency bills per minute.

55. The method of claim 21, wherein the denominating includes denominating each of the received physical currency bills at a rate of at least about 1000 currency bills per minute.

56. The method of claim 21, wherein the denominating includes denominating each of the received physical currency bills at a rate of at least about 1200 currency bills per minute.

57. The method of claim 21, wherein the denominating includes denominating each of the received physical currency bills at a rate of at least about 1500 currency bills per minute.

28. A method of processing a deposit transaction using a document processing device communicatively coupled with a teller terminal, the method comprising:

populating, using the teller terminal, a data file associated with the deposit transaction with a customer account number located on a physical deposit slip associated with the deposit transaction, the deposit slip further including a total currency bill deposit amount;

receiving physical currency bills associated with the deposit transaction in an input receptacle of the document processing device;

denominating, using the document processing device, each of the received physical currency bills associated with the deposit transaction to obtain a total value for the physical currency bills;

generating an electronic cash-in ticket image having the total value for the physical currency bills and the customer account number, the electronic cash-in ticket image being used by a proof of deposit system to balance the deposit transaction; and

populating the data file with the total value for the physical currency bills.

29. The method of claim 28, wherein the proof of deposit system is communicatively coupled with a database storing (i) the data file, (ii) an image of the physical deposit slip, and (iii) the generated cash-in ticket image.

30. The method of claim 29, further comprising based on the balancing, updating an accounting system that is communicatively coupled with the proof of deposit system and the teller terminal.

58. The method of claim 28, further comprising transporting the received physical currency bills from the input receptacle of the document processing device in a wide-edge leading manner.

59. The method of claim 58, wherein the transporting the received physical currency bills includes transporting the received physical currency bills at a rate of at least about 800 currency bills per minute, and wherein the denominating includes denominating each of the received physical currency bills at a rate of at least about 800 currency bills per minute.

60. The method of claim 58, wherein the transporting the received physical currency bills includes transporting the received physical currency bills at a rate of at least about 1000 currency bills per minute, and wherein the denominating includes denominating each of the received physical currency bills at a rate of at least about 1000 currency bills per minute.

61. The method of claim 58, wherein the transporting the received physical currency bills includes transporting the received physical currency bills at a rate of at least about 1200 currency bills per minute, and wherein the denominating includes denominating each of the received physical currency bills at a rate of at least about 1200 currency bills per minute.

62. The method of claim 58, wherein the transporting the received physical currency bills includes transporting the received physical currency bills at a rate of at least about 1500 currency bills per minute, and wherein the denominating includes denominating each of the received physical currency bills at a rate of at least about 1500 currency bills per minute.

63. The method of claim 28, wherein the denominating includes denominating each of the received physical currency bills at a rate of at least about 800 currency bills per minute.

64. The method of claim 28, wherein the denominating includes denominating each of the received physical currency bills at a rate of at least about 1000 currency bills per minute.

65. The method of claim 28, wherein the denominating includes denominating each of the received physical currency bills at a rate of at least about 1200 currency bills per minute.

66. The method of claim 28, wherein the denominating includes denominating each of the received physical currency bills at a rate of at least about 1500 currency bills per minute.