Automated document processing system using full image scanning

• US 7,171,032 B2
• Filed: 02/01/2005
• Issued: 01/30/2007
• Est. Priority Date: 05/13/1996
• Status: Expired due to Fees

• 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): Johns; Andrew W.
• Application Number:
  US11/048,416
• Publication Number:
  US 20050249394A1
• Time in Patent Office: 728 Days
• Field of Search: 382/135, 382/137, 382/138, 382/173, 382/282, 382/309, 382/310, 382/311, 382/318, 356/71, 340/5.86, 209/534, 235/379, 902/6.7, 705/35, 705/39, 705/42, 705/43, 705/45
• 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 document processing system, comprising:

an input receptacle receiving documents associated with a withdrawal transaction including at least one account withdrawal document;

an image scanner;

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

an output receptacle for receiving the withdrawal transaction documents from the transport mechanism after being transported past the image scanner;

the image scanner obtaining images of the withdrawal transaction documents, optically recognizing fields within the withdrawal transaction documents and extracting information from the fields, the information extracted from fields of the account withdrawal document(s) comprising account related information and withdrawal monetary value;

an interface that outputs the account related information and withdrawal monetary value; and

an accounting system adapted to update a balance of a financial account associated with the output account related information by debiting the output withdrawal monetary value.

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

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

4. The document processing system of claim 3, wherein one of the plurality of bins is an off sort bin.

5. The document processing system of claim 1, wherein the interface further sends the images of the withdrawal transaction documents to the accounting system.

6. The document processing system of claim 1, wherein the withdrawal transaction documents have wide and narrow dimensions and the transport mechanism conveys the withdrawal transaction documents with their narrow dimension parallel to a direction of transport.

7. The document processing system of claim 1, further including an authenticator which determines the authenticity of the withdrawal transaction documents, the transport mechanism moving withdrawal transaction documents past the authenticator.

8. The document processing system of claim 1, wherein the withdrawal transaction documents are financial institution account withdrawal documents.

9. The document processing system of claim 1, wherein the withdrawal transaction documents are loan payment coupons.

10. The document processing system of claim 9, wherein the withdrawal transaction documents further include at least one check presented along with each loan payment coupon, the extracted information comprising account related information and check monetary value from the at least one check, the interface outputting the account related information and check monetary value to the outside accounting system where the balance of the financial account associated with the account related information is debited by the check monetary value.

11. The document processing system of claim 1, wherein the withdrawal transaction documents are account debit slips.

12. The document processing system of claim 1, wherein the withdrawal transaction documents have first and second surfaces and the withdrawal transaction documents are scanned on first and second surfaces.

13. The document processing system of claim 1, further including means for flagging withdrawal transaction documents meeting or failing to meet predetermined criteria.

14. The document processing system of claim 13, wherein the means for flagging withdrawal transaction documents flags a document by suspending the operation of the transport mechanism so that the flagged document is located at a predetermined position within the system when the transport mechanism stops.

15. The document processing system of claim 1, further comprising a stacking wheel comprising flexible blades positioned to restack withdrawal transaction documents in the output receptacle.

16. The document processing system of claim 1, wherein the transport mechanism conveys the withdrawal transaction documents past the image scanner at a rate of at least 800 documents per minute.

17. The document processing system of claim 1, further including a central processing unit and a two-way voice communication link allowing two-way audio communication between the central processing unit and a user of the document processing system.

18. The document processing system of claim 1, further including a video terminal for displaying images of the withdrawal transaction documents.

19. The document processing system of claim 1, further including a module for accepting a smart card and means for obtaining information from the smart card, the obtained information comprising financial account and authentication information.

20. The document processing system of claim 1, further including an input through which a user enters field information not optically recognized by the image scanner, the entered field information output by the interface to the accounting system.

21. A document processing method, comprising the steps of:

receiving documents associated with a withdrawal transaction including at least one account withdrawal document;

transporting the received withdrawal transaction documents past an image scanner to an output receptacle;

obtaining, by the image scanner, images of the withdrawal transaction documents;

optically recognizing fields within the withdrawal transaction documents;

extracting information from the fields, the information extracted from the imaged account withdrawal document(s) comprising account related information and withdrawal monetary value;

communicating the account related information and withdrawal monetary value to an accounting system; and

updating, by the accounting system, a balance of a financial account associated with the account related information by debiting the withdrawal monetary value.

22. The document processing method of claim 21, wherein the output receptacle is a single bin.

23. The document processing method of claim 21, wherein the output receptacle is a plurality of bins.

24. The document processing method of claim 21, further including the step of sending the images of the withdrawal transaction documents to the accounting system.

25. The document processing method of claim 21, wherein the withdrawal transaction documents have wide and narrow dimensions and the step of transporting includes the step of transporting the withdrawal transaction documents with their narrow dimension parallel to a direction of transport.

26. The document processing method of claim 21, further including the step of authenticating the withdrawal transaction documents.

27. The document processing method of claim 21, wherein the withdrawal transaction documents are financial institution account withdrawal documents.

28. The document processing method of claim 21, wherein the withdrawal transaction documents are loan payment coupons.

29. The document processing method of claim 28, wherein the withdrawal transaction documents further include at least one check presented along with each loan payment coupon, the extracted information comprising account related information and check monetary value from the at least one check, the step of communicating further including the step of communicating the account related information and check monetary value to the accounting system where the balance of the financial account associated with the account related information is debited by the check monetary value.

30. The document processing method of claim 21, wherein the withdrawal transaction documents are account debit slips.

31. The document processing method of claim 21, wherein the withdrawal transaction documents have first and second surfaces and the step of obtaining comprises the step of obtaining images of the first and second surfaces of the withdrawal transaction documents.

32. The document processing method of claim 21, further including the step of flagging withdrawal transaction documents meeting or failing to meet predetermined criteria.

33. The document processing method of claim 32, wherein the step of flagging withdrawal transaction documents comprises the step of suspending transport of the documents so that the flagged document is located at a predetermined position.

34. The document processing method of claim 21, further comprising the step of restacking withdrawal transaction documents in the output receptacle.

35. The document processing method of claim 21, wherein the step of transporting comprises the step of conveying the withdrawal transaction documents past the image scanner at a rate of at least 800 documents per minute.

36. The document processing method of claim 21, further including the step of enabling two-way audio communication between a central location and location where the steps of receiving and transporting are performed.

37. The document processing method of claim 21, further including the step of displaying images of the withdrawal transaction documents.

38. The document processing method of claim 21, further including the steps of accepting and obtaining information from a smart card, the obtained information comprising financial account and authentication information.

39. The document processing method of claim 21, further including the step of inputting by a user of field information not optically recognized by the image scanner, the step of communicating including the step of communicating the entered field information to the accounting system.