FINANCIAL DOCUMENT PROCESSING SYSTEM

• US 20100057617A1
• Filed: 11/11/2009
• Published: 03/04/2010
• Est. Priority Date: 09/25/2002
• Status: Abandoned Application

• Current Assignee: Cummins-Allison Corporation (Crane Company)
• Original Assignee: Cummins-Allison Corporation (Crane Company)
• Inventors: Jones, John E., Jones, William J., Csultis, Frank M.
• Application Number:
  US12/616,499
• Publication Number:
  US 20100057617A1
• Time in Patent Office: Days
• US Class Current: 705/44
• 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 20/105 involving programming of a portable memory device, e.g. IC cards, "electronic purses"
• CPC Class Codes: G06Q 20/108 Remote banking, e.g. home banking
• CPC Class Codes: G06Q 20/1085 involving automatic teller machines [ATMs]
• 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 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03

Abstract

A system for processing deposits and/or withdrawals in a financial institution accepts a plurality of documents, including currency bills, at an input receptacle of a document-processing device, converts the image of at least some of the documents to electronic data representing the image. The currency bills are denominated by the document processing device, and the total value of the bills included in each deposit is accumulated. Whenever the total value of the bills in a deposit exceeds a prescribed value, a report may be generated containing at least an identification of the specified account, the total value of the bills in the deposit, and the serial numbers of the bills. The serial numbers may be extracted from images of the bills.

Claims

1-60. -60. (canceled)

61. A system for processing withdrawals of currency bills from a specified account in a financial institution, comprising:

a customer interface for accepting a withdrawal request identifying the specified account and an amount of the requested withdrawal;

a computer and associated memory including a current balance of the specified account and at least partial images of a multiplicity of currency bills;

an identification device for identifying a set of currency bills to satisfy the withdrawal request, the currency bills corresponding to stored images thereof; and

a memory storing an identification of the specified account, the amount of the withdrawal, and identification of the stored images of the set of currency bills.

62. The system of claim 61, further comprising:

a processor for determining whether the images of the currency bills included in the set are already stored; and

an image scanner adapted to scan the images on at least a portion of any bills included in the set that do not have stored images to produce electronic.

63. The system of claim 62, further comprising:

an extraction device for extracting the serial numbers of the currency bills in the set from the stored images; and

wherein the memory for storing stores the serial numbers with the identification of the specified account and the amount of the withdrawal.

64. The system of claim 63, further comprising a generating device for generating a report whenever a withdrawal of currency bills is requested from a designated account, the report including at least an identification of the designated account, an amount of the withdrawal, and the serial numbers of the bills dispensed to satisfy the withdrawal request.

65. The system of claim 64, further comprising:

an image scanner adapted to scan at least a portion of the image on the withdrawal request to produce electronic data representing the image, and

means for extracting an identity of a customer requesting the withdrawal from the electronic data representing the image.

66. A method of processing withdrawals of currency bills from a specified account in a financial institution, comprising:

accepting a withdrawal request identifying the specified account and an amount of the requested withdrawal;

determining whether the specified account contains the amount;

identifying a set of currency bills to satisfy the withdrawal request and dispensing the set of currency bills; and

storing an identification of the specified account, the amount of the withdrawal, and the identification of the set of currency bills.

67. The method of claim 66, further comprising:

determining whether images of the bills included in the set are already stored;

scanning the images on at least a portion of any bills included in the set that do not have stored images to produce electronic data representing the images, the electronic data being capable of generating a display of the scanned images, and storing the data representing the images.

68. The method of claim 67, further comprising:

extracting a serial number of each of the currency bills in the set from the stored data representing the images; and

storing the serial numbers with the identification of the specified account and the amount of the withdrawal.

69. The method of claim 68, further comprising:

generating a report whenever a withdrawal of currency bills is requested from the specified account, the report comprising at least an identification of the specified account, the amount of the withdrawal, and a serial number of each of the bills dispensed to satisfy the withdrawal request.

70. The method of claim 69, which comprises:

scanning at least a portion of an image on the withdrawal request to produce electronic data representing the image; and

extracting an identity of a customer requesting the withdrawal from the electronic data representing the image.