EP0072183A2
Expired / Lapsed
EP
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System and method for processing financial transactions
Assignee: NCR Canada Ltd
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Filing: 1982-08-03
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Granted: —
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Expires: 2002-08-03
Abstract
Abstract A system for improving the processing of financial transactions using direct customer entry of the transaction data and automatic verification of this data during proof operations. Each customer (8) prepares his own transaction slip (24) via a remote terminal (10), which slip is delivered to a teller (46) for verification. During proof and encoding operations, the amount field of each document (44) is read and compared with the data entered by the customer for correspondence; any errors may be corrected at this stage for reconciliation, saving time and labour costs.
Inventors
- 👤 Robert John Rushby
- 👤 Anthony Bryan Damms
Bibliographic Details
Application Number
—
Jurisdiction
EP
Data Source
google_patents
Last Synchronized
2026-10-28 08:24
CPC Classifications
G; G06; G06Q; G06Q40/00; G06Q40/02; G06Q20/00; G06Q20/08; G06Q20/10; G06Q20/14; G07; G07F; G07F19/00; G07F19/20; G07F19/201
Claims Analysis
Total Claims: 17
Claim 1
Independent Claim
81 words
A system for processing financial transactions, characterized by first processing means (45); first terminal means (10), coupled to said first processing means (45), for permitting a customer to enter into said first processing means information concerning a financial transaction; second terminal means (48), coupled to said first processing means (45) for enabling a teller to verify said customer-entered information; and first storage means (61), coupled to said first processing means (45), for storing said customer-entered information subsequent to said teller verification.
Claim 2
Independent Claim
81 words
A system for processing financial transactions, characterized by first processing means (45); first terminal means (10), coupled to said first processing means (45), for permitting a customer to enter into said first processing means information concerning a financial transaction; second terminal means (48), coupled to said first processing means (45) for enabling a teller to verify said customer-entered information; and first storage means (61), coupled to said first processing means (45), for storing said customer-entered information subsequent to said teller verification.
Claim 3
Dependent Claim
43 words
System according to claim 1, characterized in that said customer-entered information is obtained from a plurality of documents (44) comprising a transaction, and in that the teller verifies said customer-entered information against said plurality of documents (44) presented to him by the customer.
Claim 4
Dependent Claim
36 words
System according to claim 2, characterized in that said first terminal means (10) includes printing means (22) for producing a printed slip (24) of a transaction which slip is presented to the teller by the customer.
Claim 5
Dependent Claim
34 words
System according to claim 2, characterized in that said first terminal means (10) is adapted to receive each document (42), said printing means (22) being arranged to encode each document contained within said transaction.
Claim 6
Dependent Claim
25 words
System according to claim 2, characterized in that said second terminal means (48) includes keyboard means for correcting any customer-entered information which is deemed erroneous.
Claim 7
Dependent Claim
66 words
System according to either claim 1 or 2, characterized by second processing means (62) for receiving said verified customer-entered information stored within said first storage means (45); document processing means (66) for generating information from said plurality of documents (44); and third processing means (70) for comparing information generated by said document processing means (66) with customer-entered information within said second processing means (62) for correspondence.
Claim 8
Dependent Claim
31 words
System according to claim 6, characterized in that said first and second processing means (45 and 62) are coupled by a direct data link or are included within a single computer.
Claim 9
Dependent Claim
22 words
System according to claim 6, characterized in that said first storage means (61) is physically delivered to said second processing means (62).
Claim 10
Dependent Claim
64 words
System according to claim 6, characterized in that said document processing means (66) includes reading means (66a) for reading information encoded upon each document; character recognition means (66b) for reading courtesy amount data located on the face of each document; imaging means (66c) for producing a facsimile image of the face of each document, and second storage means (69) for storing said facsimile image.
Claim 11
Dependent Claim
41 words
System according to claim 9, characterized in that information obtained by said reading means (66a) accesses customer-entered information within said second processing means (62), said accessed information being compared with the data read by said character recognition means (66b) for correspondence.
Claim 12
Dependent Claim
56 words
System according to claim 10, characterized by display means (74), coupled to said second storage means (69) and said third processing means (70), for displaying said facsimile image when said third processing means (70) does not indicate correspondence, and including keyboard means for amending said accessed information within said second storage means (62) to attain correspondence.
Claim 13
Independent Claim
71 words
A method for processing financial transactions within a bank, characterized by the steps of enabling a customer to enter into a first processing means information concerning a financial transaction through the use of a first terminal means; enabling a teller to verify and, if necessary, correct the customer-entered information by use of a second terminal means; and permanently storing within a first storage means said customer-entered information subsequent to teller verification.
Claim 14
Independent Claim
71 words
A method for processing financial transactions within a bank, characterized by the steps of enabling a customer to enter into a first processing means information concerning a financial transaction through the use of a first terminal means; enabling a teller to verify and, if necessary, correct the customer-entered information by use of a second terminal means; and permanently storing within a first storage means said customer-entered information subsequent to teller verification.
Claim 15
Dependent Claim
37 words
Method according to claim 12, characterized in that the customer obtains the information to be entered from a plurality of documents (44) which comprise said financial transaction and which are presented to the teller by the customer.
Claim 16
Dependent Claim
44 words
Method according to claim 13, characterized by the further steps of delivering said verified customer-entered data to a second processing means; generating information from said plurality of documents; and comparing the generated information with said customer-entered information within said second processing means for correspondence.
Claim 17
Dependent Claim
46 words
Method according to claim 14, characterized in that the information generating step includes the steps of reading information encoded upon each document; reading the courtesy amount data located on the face of each document; and producing - a facsimile image of the face of each document.
References Cited (Backward Citations)
No citation records indexed.
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