DOCUMENT PROCESSING SYSTEM

• US 20110206267A1
• Filed: 01/27/2011
• Published: 08/25/2011
• Est. Priority Date: 11/27/1996
• Status: Active Grant

• Current Assignee: Cummins-Allison Corporation (Crane Company)
• Original Assignee: Cummins-Allison Corporation (Crane Company)
• Inventors: Gafron, Ronald M., Mennie, Douglas U., Jones, John E., Jones, William J., Jones, Paul A.
• Granted Patent: US 9,390,574 B2
• Time in Patent Office: Days
• US Class Current: 382/139
• CPC Class Codes: G06Q 10/10 Office automation; Time management
• CPC Class Codes: G06Q 20/042 characterized in that the payment protocol involves at least one cheque
• CPC Class Codes: G06Q 20/0425 the cheque being electronic only
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/105 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 20/18 involving self-service terminals [SST], vending machines, kiosks or multimedia terminals
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• 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
• CPC Class Codes: G06T 1/00 General purpose image data processing
• CPC Class Codes: G06V 30/10 Character recognition
• CPC Class Codes: G06V 30/127 with the intervention of an operator
• CPC Class Codes: G06V 30/274 Syntactic or semantic context, e.g. balancing
• CPC Class Codes: G07D 11/50 Sorting or counting valuable papers
• CPC Class Codes: G07D 7/04 Testing magnetic properties of the materials thereof, e.g. by detection of magnetic imprint G07D7/01 takes precedence
• CPC Class Codes: G07D 7/06 using wave or particle radiation
• CPC Class Codes: G07D 7/12 Visible light, infrared or ultraviolet radiation
• CPC Class Codes: G07D 7/1205 Testing spectral properties
• CPC Class Codes: G07D 7/20 : Testing patterns thereon G07D7/004, G07D7/005 take precedence
• 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
• CPC Class Codes: G07F 19/207 : Surveillance aspects at ATMs
• CPC Class Codes: G07F 7/04 : by paper currency

Abstract

A document processing system comprises an input receptacle for receiving documents. A transport mechanism receives the documents from the input receptacle and transports the documents past an image scanner and a discrimination unit. An output receptacle receives the documents from the transport mechanism after being transported past the image scanner and the discrimination unit. The image scanner obtains an image of the documents, obtains an image of a selected area of the documents, and obtains information contained in the selected area of the document. The discrimination unit determines the authenticity of the document. A system controller directs the flows of documents over the transport mechanism.

Claims

1. A system for electronically depositing checks comprising:

a scanner adapted to scan and generate images of checks to be deposited into a customer'"'"'s financial account associated with a first financial institution having an accounting system, the scanner being located remote from the financial institution, the scanner being adapted to accept and process a stack of checks, the scanner further adapted to extract character data from the image, the data indicative of the informational content of the check;

means for sending the images of the checks to a network associated with the financial institution, the means for sending the images allowing the images to be immediately available to the financial institution for settlement by the accounting system such that the customer'"'"'s financial account receives an immediate credit for the deposited checks.

2. The system of claim 1, wherein the means for sending includes sending an image file to the network associated with the financial institution, the image file containing image data and data indicative of the informational content of said check.

3. The system of claim 1, wherein the accounting system is configured to provide the immediate credit for the deposited checks in real time.

4. A processing system for electronically depositing checks, said processing system comprising:

a scanner configured to scan and generate an image of a check to be deposited into a customer'"'"'s financial account associated with a financial institution having an accounting system, the scanner being located remote from the financial institution, the scanner further configured to extract character data from the image, the data indicative of the informational content of the check;

a means for sending the image of the check to a network associated with the financial institution, the means for sending the image allowing the image to be immediately available to the financial institution for settlement by the accounting system such that the customer'"'"'s financial account receives an immediate credit for the deposited check.

5. The system of claim 4, wherein the means for sending includes sending an image file to the network associated with the financial institution, the image file containing image data and data indicative of the informational content of said check.

6. The system of claim 4, wherein the scanner is configured to accept and process a stack of checks.

7. The system of claim 4, wherein the accounting system is configured to provide the immediate credit for the deposited check in real time.

8. The system of claim 4, wherein the scanner is configured to accept and process a stack of checks, the checks each having a wide edge and a narrow edge, the wide edge having a dimension greater than the narrow edge, the checks being conveyed by a transport system with their narrow dimension parallel to the direction of conveyance, the transport mechanism being at least partially disposed within the scanner.

9. The system of claim 7, wherein the scanner is configured to accept and process a stack of checks, the checks each having a wide edge and a narrow edge, the wide edge having a dimension greater than the narrow edge, the checks being conveyed by a transport system with their narrow dimension parallel to the direction of conveyance, the transport mechanism being at least partially disposed within the scanner.

10. A system for electronically depositing checks, the system comprising:

a scanner configured to scan a check to be deposited into a customer'"'"'s financial account associated with a financial institution, the scanner further configured to generate image data that is reproducible as an image of the check, the scanner being located remote from the financial institution; and

a communications interface configured to send the image data in real-time to a network associated with the financial institution so that the image data is available substantially immediately at the financial institution for settlement purposes, said communications interface further configured to receive in real-time a confirmation that the customer'"'"'s financial account has been credited for the deposited check,

wherein the scanner is configured to extract character information from the image data, the character information indicative of the informational content of the check.

11. The system of claim 10, wherein the image data is included in an image file, the communications interface configured to send the image file in real time to the network associated with the financial institution.

12. The system of claim 10, wherein the image data and the extracted character information are combined into an image file, the communications interface being configured to send the image file in real time to the network associated with the financial institution.

13. The system of claim 10, wherein the scanner is configured to accept and process a stack of checks.

14. The system of claim 12, wherein the scanner is configured to accept and process a stack of checks.

15. The system of claim 13, wherein the checks each include a wide edge and a narrow edge, the wide edge having a dimension greater than the narrow edge, the checks being conveyed by a transport system with their narrow dimension parallel to the direction of conveyance, the transport mechanism being at least partially disposed within the scanner.

16. The system of claim 10, wherein the scanner is configured to recognize fields associated with the image data of the checks, the character information being extracted from the fields.

17. The system of claim 12, wherein the extracted character information includes a check amount.

18. The system of claim 10, wherein the scanner includes a user input panel configured to accept user commands.

19. The system of claim 12, wherein the extracted character information further includes one or more of MICR data, CAR data, or LAR data.