METHOD AND APPARATUS FOR BILL PAYMENTS AT AN AUTOMATIC TELLER MACHINE

• US 20080109355A1
• Filed: 05/01/2007
• Published: 05/08/2008
• Est. Priority Date: 04/12/2001
• Status: Active Grant

• Current Assignee: Dwip N. Banerjee, Rabindranath Dutta
• Original Assignee: Dwip N. Banerjee, Rabindranath Dutta
• Inventors: Dutta, Rabindranath, Banerjee, Dwip N.
• Granted Patent: US 7,548,885 B2
• Time in Patent Office: Days
• US Class Current: 705/43
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/102 Bill distribution or payments
• CPC Class Codes: G06Q 20/105 involving programming of a portable memory device, e.g. IC cards, "electronic purses"
• CPC Class Codes: G06Q 20/1085 involving automatic teller machines [ATMs]
• CPC Class Codes: G06Q 20/14 specially adapted for billing systems
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 30/04 Billing or invoicing
• CPC Class Codes: G06Q 40/123 Tax preparation or submission
• CPC Class Codes: G07F 19/20 Automatic teller machines [ATMs]
• CPC Class Codes: G07F 19/201 Accessories of ATMs

Abstract

A method, apparatus and computer implemented instructions for processing a bill in an automatic teller machine. The bill is scanned to form a bill image in which the bill includes a markup language providing payment information. Optical character recognition is performed on the bill image to identify the payment information. The bill is processed using the payment information. Bills, such as water bills, mortgages, credit card statements, and tax bills may be made in this manner.

Claims

1-6. -6. (canceled)

7. A method in an automatic teller machine for processing a tax form, the method comprising:

scanning the tax form from a user to create an image of the tax form;

scanning supporting documents for the tax form to generate additional images;

performing optical character recognition on the image of the tax form to generate data; and

processing the tax form based on the data.

8. The method of claim 7, wherein processing of the tax form generates a result and further comprising:

confirming the result of processing with the user.

9. The method of claim 7 further comprising:

recording a video of user during scanning and processing of the tax form at the automatic teller machine.

10. (canceled)

11. A data processing system comprising:

a bus system;

a communications unit connected to the bus system;

a memory connected to the bus system, wherein the memory includes as set of instructions; and

a processing unit connected to the bus system, wherein the processing unit executes the set of instructions to scan the tax form from a user to create an image of the tax form;

scan supporting documents for the tax form to generate additional images;

perform optical character recognition on the image of the tax form to generate data; and

process the tax form based on the data.

12-17. -17. (canceled)

18. A data processing system in an automatic teller machine for processing a tax form, the data processing system comprising:

first scanning means for scanning the tax form from a user to create an image of the tax form;

second scanning means for scanning supporting documents for the tax form to generate additional images;

performing means for performing optical character recognition on the image of the tax form to generate data; and

processing means for processing the tax form based on the data.

19. The data processing system of claim 18, wherein processing of the tax form generates a result and further comprising:

confirming means for confirming the result of processing with the user.

20. The data processing system of claim 18 further comprising:

recording means for recording a video of user during scanning and processing of the tax form at the automatic teller machine.

21-26. -26. (canceled)

27. A computer program product in a computer readable medium in an automatic teller machine for processing a tax form, the computer program product comprising:

first instructions for scanning the tax form from a user to create an image of the tax form;

second instructions for scanning supporting documents for the tax form to generate additional images;

third instructions for performing optical character recognition on the image of the tax form to generate data; and

fourth instructions for processing the tax form based on the data.

28. The computer program product of claim 27, wherein processing of the tax form generates a result and further comprising:

fifth instructions for confirming the result of processing with the user.

29. The computer program product of claim 27 further comprising:

fifth instructions for recording a video of user during scanning and processing of the tax form at the automatic teller machine.