Network interconnected financial document processing devices

• US 6,996,263 B2
• Filed: 01/09/2002
• Issued: 02/07/2006
• Est. Priority Date: 05/13/1996
• Status: Expired due to Term

• Current Assignee: Cummins-Allison Corporation (Crane Company)
• Original Assignee: Cummins-Allison Corporation (Crane Company)
• Inventors: Mennie, Douglas U., Jones, John E., Jones, William J., Jones, Paul A.
• Primary Examiner(s): Patel, Kanjibhai
• Assistant Examiner(s): Tabatabai, Abolfazl
• Application Number:
  US10/042,675
• Publication Number:
  US 20020085745A1
• Time in Patent Office: 1,490 Days
• Field of Search: 382135-140, 382/218, 382/318, 382/319, 235/375, 235/379, 705/35, 705/40, 705/41, 705/43, 705/45, 902/8, 902/10, 902/12, 902/6, 194/206, 209/534
• US Class Current: 382/135
• 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 a full image scanner and a discrimination unit. An output receptacle receives the documents from the transport mechanism after being transported past the full image scanner and the discrimination unit. The full image scanner includes means for obtaining a full video image of said documents, means for obtaining a image of a selected area of said documents, and means for obtaining information contained in said selected area of said document. The discrimination unit includes means for determining the authenticity of said document. A system controller directs the flows of documents over the transport mechanism.

Claims

1. A system for processing financial institution documents comprising:

a multitude of compact image processing units communicatively coupled together to form a network, each of the image processing units comprising;

an input receptacle for receiving financial institution documents;

an image scanner;

a discrimination unit;

a transport mechanism coupled to the input receptacle adapted to receive the documents from the input receptacle and transport the documents past the image scanner and the discrimination unit;

an output receptacle adapted to receive the documents from the transport mechanism after the documents have been transported past the image scanner and discrimination unit;

the image scanner being adapted to obtain images of the documents, the scanner further being adapted to optically recognize fields within the documents and to automatically extract information from the fields;

the discrimination unit including an authenticator adapted to automatically determine the authenticity of the documents; and

an interface adapted to automatically communicate with an outside accounting system, the outside accounting system being adapted to update financial accounts associated with the documents substantially immediately without human intervention.

2. The system of claim 1, wherein the output receptacle is a single bin.

3. The system of claim 1, wherein the output receptacle is a plurality of bins.

4. The system of claim 1, further comprising a communications panel adapted to communicate operational instructions to a user.

5. The system of claim 1, wherein the outside accounting system is adapted for storing, tracking, and analyzing the information transmitted over the network from the image processing units.

6. The system of claim 1, wherein the documents have wide and narrow dimensions and the documents are transported with their wide dimension parallel to the direction of transport.

7. The system of claim 1, wherein the documents have wide and narrow dimensions and the documents are transported with their narrow dimension parallel to the direction of transport.

8. The system of claim 1, wherein the multitude of units are located at teller windows.

9. The system of claim 8, wherein the units located at financial institutions comprise units located at teller windows.

10. The system of claim 1, wherein the financial institution documents comprise checks and deposit slips.

11. A system for processing financial institution documents comprising:

a multitude of image processing units communicatively coupled together to form a network, the units processing financial institution documents deposited by users, each of the units comprising;

an input receptacle for receiving financial institution documents;

an image scanner;

a transport mechanism coupled to the input receptacle adapted to receive the documents from the input receptacle and transport the documents past the image scanner;

an output receptacle adapted to receive the documents from the transport mechanism after being transported past the image scanner;

the image scanner being adapted to obtain images of the documents, the scanner further being adapted to optically recognize fields within the documents and to automatically extract information from the fields; and

an interface adapted to communicate the information contained in selected areas of the document to an outside accounting system wherein financial accounts associated with the documents are processed automatically substantially immediately.

12. The system of claim 11, wherein the output receptacle is a single bin.

13. The system of claim 11, wherein the output receptacle is a plurality of bins.

14. The document processing system of claim 11, wherein the outside accounting system is a deposit system.

15. The document processing system of claim 11, wherein the outside accounting system is a withdrawal system.

16. The system of claim 11, further comprising a teller window monitor coupled to the image processing unit.

17. The system of claim 11, wherein the documents have wide and narrow dimensions and the documents are transported with their wide dimension parallel to the direction of transport.

18. The system of claim 11, wherein the documents have wide and narrow dimensions and the documents are transported with their narrow dimension parallel to the direction of transport.

19. The system of claim 11, wherein the output receptacle comprises two bins.

20. A financial institution document processing network, comprising:

a plurality of document imaging devices, each such device adapted to;

receive a stack of documents, image each document in the stack, determine a monetary value associated with each document, and output the document images and associated monetary values;

a financial institution accounting system operating to receive the document images and associated monetary values and update a financial account associated with the stack of documents in view of the associated monetary values; and

a data communications network interconnecting the plurality of document imaging devices to the financial institution accounting system.

21. The network of claim 20 further including a memory associated with the accounting system for storing the document images.

22. The network of claim 20 wherein the data communications network is a local area network (LAN).

23. The network of claim 22 wherein the LAN utilizes a common bus architecture.

24. The network of claim 22 wherein the LAN utilizes a ring topology.

25. The network of claim 22 wherein the LAN utilizes a star topology.

26. The network of claim 20 further including a cluster controller for interfacing the plurality of document imaging devices and the financial institution accounting system through the data communications network.

27. The network of claim 20 wherein the data communications network comprises a first network associated with document imaging device communications and a second network associated with financial institution accounting system communications, the network further including a gateway to interconnect the first and second networks.

28. The network of claim 20 wherein the stack of documents includes mixed checks and currency bills, each document imaging device operating to image the checks and currency bills, process the check images to determine check value, denominate the currency bills to determine bill value, and output the determined check and bill values with the output document images.

29. The network of claim 20 wherein each document imaging device has a compact, desktop configuration.

30. The network of claim 20 wherein each document imaging device further includes means for dispensing currency at customer request, the device outputting a dispensed monetary value indication over the data communications network where the accounting system updates the financial account in view of the dispensed monetary value indication.