US5897625A
Expired / Lapsed
US
⏱️ 0.0 years remaining
Automated document cashing system
Assignee: Capital Security Systems Inc
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Filing: 1997-05-30
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Granted: 1999-04-27
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Expires: 2017-05-30
Abstract
Abstract An automated document cashing system includes a reader for capturing an image of a negotiable instrument and recognizing the authorized signature as well as the amount written thereon. The system then can transfer monies in the amount of the instrument to a savings account, a checking account, a smart card, or the like. The system can cash money orders as well as write money orders. The system will also wire transfer money. The image capture apparatus also can capture an image of a utility bill or the like that is presented by a user. By supplying monies in the form of cash, credit card authorization, smart card balance, or the like, the user can pay bills such as a utility bill through the system or purchase items dispensed by the system.
Inventors
- 👤 Robin Haley Gustin
- 👤 Troy W. Livingston
- 👤 Namsoo Park
Bibliographic Details
Application Number
—
Jurisdiction
US
Data Source
google_patents
Last Synchronized
2026-11-02 14:09
CPC Classifications
G; G07; G07F; G07F7/00; G07F7/08; G07F7/10; G07F7/1008; G06; G06Q; G06Q20/00; G06Q20/04; G06Q20/042; G06Q20/08; G06Q20/10; G06Q20/108; G06Q20/1085; G06Q20/18; G06Q20/30; G06Q20/34; G06Q20/341; G06Q20/38; G06Q20/40; G06Q20/401; G06Q20/4014; G06Q30/00; G06Q30/06; G07F19/00; G07F19/20; G07F19/209; G07F19/21; G07F7/04
Claims Analysis
Total Claims: 50
Claim 1
Independent Claim
108 words
An automated document cashing system comprising: an automated machine having a card receiver for receiving a card, which identifies a qualified user of the machine; means for entering data including the monetary amount about a document to be processed; a document receiver for receiving the document to be processed; means for generating image data from the front and back of the document; means for evaluating a cursive signature on the document and for confirming that the signature is acceptable; means for reading the amount of the document; and a cash dispenser operated upon acceptance by the evaluating means of the signature to dispense cash automatically to the user.
Claim 2
Dependent Claim
108 words
An automated document cashing system comprising: an automated machine having a card receiver for receiving a card, which identifies a qualified user of the machine; means for entering data including the monetary amount about a document to be processed; a document receiver for receiving the document to be processed; means for generating image data from the front and back of the document; means for evaluating a cursive signature on the document and for confirming that the signature is acceptable; means for reading the amount of the document; and a cash dispenser operated upon acceptance by the evaluating means of the signature to dispense cash automatically to the user.
Claim 3
Dependent Claim
43 words
A system in accordance with claim 1 further comprising means for reading the legal amount line in cursive, and for reading the courtesy amount recognition line, and for comparing the same as being for the same amount prior to operating the cash dispenser.
Claim 4
Dependent Claim
21 words
A system in accordance with claim 2 further comprising a reader for reading magnetic ink character recognition data on the document.
Claim 5
Dependent Claim
67 words
A system in accordance with claim 3 further comprising: means for entering the amount of cash to be received by the user; means for determining the difference between the amount of the document and the cash being received; and means for performing a deposit transaction to deposit the difference in the user's account in a remote bank through a modem with respect to the document being cashed.
Claim 6
Dependent Claim
33 words
A system in accordance with claim 1 wherein the document being cashed is a money order and including a display means to inform the user to sign the back of the money order.
Claim 7
Dependent Claim
37 words
A system in accordance with claim 1 further comprising means for prompting the user to indicate what portion of the document amount should be dispensed as cash, and what portion should be deposited in the user's account.
Claim 8
Dependent Claim
29 words
A system in accordance with claim 6 further comprising a selector operable by the user to deposit the deposit portion in a checking account or into a deposit account.
Claim 9
Dependent Claim
26 words
A system in accordance with claim 1 further comprising a display for showing the amount of a service charge for a given transaction to the user.
Claim 10
Dependent Claim
18 words
A system in accordance with claim 1 further comprising a printer for printing a receipt for the transaction.
Claim 11
Dependent Claim
53 words
A system in accordance with claim 1 wherein: the cash dispenser only dispenses cash in predetermined amounts; a calculator in the system calculates the difference between the cash being dispensed and the amount of the document; and a card writer to write the difference on a card which is returned to the user.
Claim 12
Dependent Claim
36 words
A system in accordance with claim 1 wherein: the cash dispenser only dispenses cash in predetermined amounts; and a deposit means deposits the document's value less cash dispensed and a transaction fee in the user's account.
Claim 13
Dependent Claim
32 words
A system in accordance with claim 1 wherein: cameras record images from both sides of the document; and a document storage device receives the document and stores the same in the machine.
Claim 14
Dependent Claim
17 words
A system in accordance with claim 1 wherein a feeder feeds a rejected document to the user.
Claim 15
Dependent Claim
27 words
A system in accordance with claim 1 further comprising a transaction record generator for generating a transaction record identifying the document and the amount of cash dispensed.
Claim 16
Dependent Claim
153 words
An automated banking system for receiving cash from a user and for dispensing cash to a user comprising: an automated machine having a card receiver for receiving a card which identifies a user as being qualified to use the machine; a document receiver for receiving a document to be cashed; a reader for reading the document for the amount and for a valid signature of the user if cash is to be dispensed to the user; a cash dispenser in the automated machine for dispensing cash to the user operable upon an accepted reading by the reader; a cash receiver for receiving cash and for analyzing the amount of cash received from the user; a cash storage in the machine for receiving the cash being deposited by the user; and a transactional operator for operation by the user to perform a transaction upon deposit of sufficient cash by user for the requested transaction.
Claim 17
Dependent Claim
153 words
An automated banking system for receiving cash from a user and for dispensing cash to a user comprising: an automated machine having a card receiver for receiving a card which identifies a user as being qualified to use the machine; a document receiver for receiving a document to be cashed; a reader for reading the document for the amount and for a valid signature of the user if cash is to be dispensed to the user; a cash dispenser in the automated machine for dispensing cash to the user operable upon an accepted reading by the reader; a cash receiver for receiving cash and for analyzing the amount of cash received from the user; a cash storage in the machine for receiving the cash being deposited by the user; and a transactional operator for operation by the user to perform a transaction upon deposit of sufficient cash by user for the requested transaction.
Claim 18
Dependent Claim
42 words
A system in accordance with claim 15 wherein: the document being cashed is a money order; and a reader is provided for reading the cursive signature on the back of the money order and for verifying the signature as a qualified signature.
Claim 19
Dependent Claim
51 words
A system in accordance with claim 15 wherein: the transaction is payment of a bill from a provider; a bill reader reads the provider's account number and the user's identification from the bill; and a transfer of funds is made by modem through a network to an account of the provider.
Claim 20
Dependent Claim
57 words
A system in accordance with claim 17 wherein: the cash receiver adds the cash bills received and forwards signals representing the total cash being deposited; and a circuit compares the cash being deposited relative to the amount read from the bill by the bill reader to ascertain if the total cash covers the bills and transaction fee.
Claim 21
Dependent Claim
22 words
A system in accordance with claim 18 further comprising a system for generating change and for writing the change onto a medium.
Claim 22
Independent Claim
151 words
A method of cashing a check or money order document with an automated machine comprising: providing an automated machine having a card receiver for receiving the card which identifies a qualified user for cashing a check or money order document; inserting the card into the machine, reading the data on the card and verifying that the user is qualified to cash a document; entering the monetary amount of the document to be processed; inserting a document into a document receiver within the machine; recording images from the document on the front and the back of the document; evaluating the cursive signature on the document and confirming that the signature is acceptable by reviewing the signature on record; reading the amount of the document to be cashed from the document; performing a transaction by a modem through a banking network; and dispensing cash after proper evaluation of the signature to the user.
Claim 23
Independent Claim
151 words
A method of cashing a check or money order document with an automated machine comprising: providing an automated machine having a card receiver for receiving the card which identifies a qualified user for cashing a check or money order document; inserting the card into the machine, reading the data on the card and verifying that the user is qualified to cash a document; entering the monetary amount of the document to be processed; inserting a document into a document receiver within the machine; recording images from the document on the front and the back of the document; evaluating the cursive signature on the document and confirming that the signature is acceptable by reviewing the signature on record; reading the amount of the document to be cashed from the document; performing a transaction by a modem through a banking network; and dispensing cash after proper evaluation of the signature to the user.
Claim 24
Dependent Claim
52 words
A method in accordance with claim 20 wherein the step of reading the amount of the document comprises: reading the legal amount in cursive on one line; reading the courtesy amount recognition line for the amount; and confirming the respectively read amounts to be equal prior to performing the cash dispensing step.
Claim 25
Dependent Claim
54 words
A method in accordance with claim 20 further comprising: reading the magnetic ink characters on the document relating to the account on which the document is drawn; and wherein the transaction by the modem through the banking network includes communication with the bank as specified by the magnetic ink character data on the check.
Claim 26
Dependent Claim
60 words
A method in accordance with claim 20 further comprising: entering an amount to be received in cash which is less than the total amount of the document; and wherein the document cash dispensing step includes: dispensing as cash the amount entered to be received and comprising the further step of: depositing the difference into user's account through the banking network.
Claim 27
Dependent Claim
30 words
A method in accordance with claim 20 wherein the document being cashed is a money order and further comprising requesting that the user sign the back of the money order.
Claim 28
Dependent Claim
25 words
A method in accordance with claim 20 further comprising recording the transaction to show the cash being dispensed and the amount being deposited, if any.
Claim 29
Dependent Claim
41 words
A method in accordance with claim 23 further comprising inquiring of the user whether to deposit the balance difference into a checking account or into deposit account; and the further step of selecting which account into which to deposit the balance.
Claim 30
Dependent Claim
46 words
A method in accordance with claim 20 further comprising: displaying to the user the amount of the transactional charges for each transaction being done by the user; and subtracting from the cash being receiving or the amount being deposited the transactional charges displayed to the user.
Claim 31
Dependent Claim
15 words
A method in accordance with claim 20 further comprising printing a receipt for the transaction.
Claim 32
Dependent Claim
51 words
A method in accordance with claim 20 wherein the cash being dispensed is only in predetermined, incremental amounts; determining the difference between the cash being dispensed and the amount written on the document; and writing at least a portion of this difference on a card which is returned to the user.
Claim 33
Dependent Claim
51 words
A method in accordance with claim 29 further comprising the dispensing of the cash and only in predetermined, fixed incremental amounts; calculating the difference between the cash being dispensed and the amount of the document; and depositing into the user's account the amount less the transaction fee and the cash dispensed.
Claim 34
Dependent Claim
48 words
A method in accordance with claim 20 wherein the step of generating the image from the front and back of the document comprises using cameras for recording images on both sides of the document; and further comprising: storing the document images on a memory medium in the machine.
Claim 35
Dependent Claim
28 words
A method in accordance with claim 20 wherein the step of evaluating the card further comprises returning the card to the user if the card is not verified.
Claim 36
Dependent Claim
31 words
A method in accordance with claim 20 further comprises generating a transactional audit record for identifying the document, the amount of cash being dispensed to the user, and the transactional fee.
Claim 37
Independent Claim
112 words
A method of automated banking for receiving cash from a user and for dispensing cash from the machine to the user comprising: providing an automated machine having a card receiver for receiving a card, which identifies the user as being qualified to use the machine; providing a document receiver for receiving a document to be cashed and a reader for reading the document for the amount; providing a cash dispenser for dispensing cash to the user operable upon an acceptable transaction; depositing cash into the machine and calculating the amount of cash being deposited into the machine; and inquiring of the user what transaction is to be performed with the deposited cash.
Claim 38
Independent Claim
112 words
A method of automated banking for receiving cash from a user and for dispensing cash from the machine to the user comprising: providing an automated machine having a card receiver for receiving a card, which identifies the user as being qualified to use the machine; providing a document receiver for receiving a document to be cashed and a reader for reading the document for the amount; providing a cash dispenser for dispensing cash to the user operable upon an acceptable transaction; depositing cash into the machine and calculating the amount of cash being deposited into the machine; and inquiring of the user what transaction is to be performed with the deposited cash.
Claim 39
Dependent Claim
39 words
A method in accordance with claim 34 further comprising: inserting a document to be cashed into the document receiver; reading the cursive signature on the document; verifying the signature as a qualified signature; and dispensing cash to the user.
Claim 40
Dependent Claim
51 words
A method in accordance with claim 34 further comprising: paying a bill by inserting the bill into the machine; reading the bill provider's account and user's identification account number from the bill; and connecting by modem through the communications over network to transfer funds to the account of the bill provider.
Claim 41
Dependent Claim
27 words
A method in accordance with claim 34 further comprising: recording the transaction on a storage medium; and issuing a receipt to the user with a receipt printer.
Claim 42
Dependent Claim
44 words
A method in accordance with claim 34 further comprising: generating change between the amount of transaction and the amount of cash or the amount written on through the medium; and further comprising writing change onto a card and dispensing the card to the user.
Claim 43
Independent Claim
169 words
A method of operating an unattended banking machine for performing a number of banking transactions and other transactions by a user, comprising: providing an automated machine having a card receiver for receiving a card which identifies the user as being qualified to use the machine; displaying to the user a list of selected, transactional options including withdrawal of cash option, a deposit of cash option, a cashing check option, a cashing money order option, a buying money order option, a wire transfer screen option, a bill payment option and purchasing option; receiving a card and verifying the user as being qualified; reading any document being deposited with respect to the amount on the document and to the validity of any signature on the document, as that being of a qualified user, dispensing cash to the user if the user has selected the option of cashing a check or a money order; and providing the user with a receipt for the transactional option selected by the user upon completion thereof.
Claim 44
Independent Claim
169 words
A method of operating an unattended banking machine for performing a number of banking transactions and other transactions by a user, comprising: providing an automated machine having a card receiver for receiving a card which identifies the user as being qualified to use the machine; displaying to the user a list of selected, transactional options including withdrawal of cash option, a deposit of cash option, a cashing check option, a cashing money order option, a buying money order option, a wire transfer screen option, a bill payment option and purchasing option; receiving a card and verifying the user as being qualified; reading any document being deposited with respect to the amount on the document and to the validity of any signature on the document, as that being of a qualified user, dispensing cash to the user if the user has selected the option of cashing a check or a money order; and providing the user with a receipt for the transactional option selected by the user upon completion thereof.
Claim 45
Dependent Claim
57 words
A method in accordance with claim 39 wherein the user selects a dispensing and purchasing option and further comprising: reviewing the amount of cash deposited by the user with respect to the item being purchased; and dispensing the item to the user through the machine upon verification of sufficient payment by the qualified user of the machine.
Claim 46
Dependent Claim
38 words
A method in accordance with claim 39 wherein the operator is provided with a display screen showing the various options and a manual operator operable by the user to choose one of the transactions available to the user.
Claim 47
Dependent Claim
41 words
A method in accordance with claim 39 wherein the document is a check and further comprising: reading the magnetic ink character recognition data with respect to the bank issuing the check; and communicating through the communication network to the identified bank.
Claim 48
Dependent Claim
41 words
A method in accordance with claim 39 wherein the document being received is a money order, and further comprising examining a cursive signature on the back of the money order prior to validation and dispensing of any cash to the user.
Claim 49
Dependent Claim
91 words
A method in accordance with claim 39 wherein the user has selected a bill paying operation further comprising: receiving the bill document; scanning the bill document for the amount due to the provider; communicating the modem to the bill issuer's bank account the amount of payment being made by the user; generating a receipt showing an amount paid for the bill to the user; storing the bill in a storage device; and providing a transactional tag with respect to the bill so that the transaction can be later reviewed, if necessary.
Claim 50
Dependent Claim
43 words
A method in accordance with claim 39 further comprising: storing money order blanks in the machine; generating signals to cause a printer to print the amount to be paid on the money order; and dispensing the printed money order to the machine user.
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USPTO Annuity & Maintenance Windows
| Annuity Stage | Window Opens | Payment Deadline | Surcharge Period Until | Estimated Fee | Status |
|---|---|---|---|---|---|
| 3.5 Years (Year 4) | 2002-04-26 | 2002-10-26 | 2003-04-27 | $2000.00 | Window Closed / Lapsed |
| 7.5 Years (Year 8) | 2006-04-26 | 2006-10-26 | 2007-04-27 | $3760.00 | Window Closed / Lapsed |
| 11.5 Years (Year 12) | 2010-04-26 | 2010-10-26 | 2011-04-27 | $7700.00 | Window Closed / Lapsed |