Patent US1228647A successfully refreshed from Google Patents.
Patent US5993047A successfully refreshed from Google Patents.
US5993047A
Expired / Lapsed
US
⏱️ 0.0 years remaining
Apparatus and method for requesting and dispensing negotiable instruments
Assignee: Individual
•
Filing: 1997-10-02
•
Granted: 1999-11-30
•
Expires: 2017-10-02
Abstract
Abstract The present invention provides an apparatus and method for requesting and dispensing negotiable instruments such as bank checks, money orders, and traveler's checks. An instrument may be requested in this apparatus and method by a bank customer from a telephone, a computer, a fixed-location dispenser, or a portable, hand-held dispenser that is in communication with a bank computer. This request may be made orally, using touch tones, or using data transmission over a communication network that may include telephone lines, two-way radio links, microwave links, satellite links, cellular telephone links, computer networks, and the Internet. After a request is processed and approved, the requested instrument may then be dispensed at any time in this apparatus and method to the bank customer or another party from any receive-only dispenser, fixed-location dispenser, or portable, hand-held dispenser that is also in communication with the bank computer.
Inventors
- 👤 John C. Novogrod
- 👤 Glenn Kurlander
Bibliographic Details
Application Number
—
Jurisdiction
US
Data Source
google_patents
Last Synchronized
2026-10-30 10:03
CPC Classifications
G; G07; G07F; G07F19/00; G07F19/20; G06; G06Q; G06Q20/00; G06Q20/04; G06Q20/042; G06Q20/08; G06Q20/10; G06Q20/105; G06Q20/20; G06Q20/209; G07F19/203
Claims Analysis
Total Claims: 14
Claim 1
Independent Claim
194 words
A portable, hand-held dispenser that allows a user to request and dispense negotiable instruments, said dispenser comprising: a wireless receiver that receives dispensing information for a particular negotiable instrument from an authorizing computer; an input device that allows the user to submit an organizer mode command; a microprocessor that is coupled to said wireless receiver and said input device, that receives said dispensing information from said wireless receiver, that generates printing information based upon said dispensing information, that receives said organizer mode command from said input device, and that causes said portable, hand-held dispenser to operate as an organizer upon said organizer mode command being received; a printer that is coupled to said microprocessor, that receives said printing information from said microprocessor, and that prints said particular negotiable instrument when said printing information is received from said microprocessor; a battery that provides power to said microprocessor, said wireless receiver, and said printer; and a dispenser body that houses said wireless receiver, said microprocessor, said input device, said printer, and said battery, and that is a size and weight that allows said portable, hand-held dispenser to be carried in a single hand of the user.
Claim 2
Dependent Claim
194 words
A portable, hand-held dispenser that allows a user to request and dispense negotiable instruments, said dispenser comprising: a wireless receiver that receives dispensing information for a particular negotiable instrument from an authorizing computer; an input device that allows the user to submit an organizer mode command; a microprocessor that is coupled to said wireless receiver and said input device, that receives said dispensing information from said wireless receiver, that generates printing information based upon said dispensing information, that receives said organizer mode command from said input device, and that causes said portable, hand-held dispenser to operate as an organizer upon said organizer mode command being received; a printer that is coupled to said microprocessor, that receives said printing information from said microprocessor, and that prints said particular negotiable instrument when said printing information is received from said microprocessor; a battery that provides power to said microprocessor, said wireless receiver, and said printer; and a dispenser body that houses said wireless receiver, said microprocessor, said input device, said printer, and said battery, and that is a size and weight that allows said portable, hand-held dispenser to be carried in a single hand of the user.
Claim 3
Dependent Claim
65 words
The portable, hand-held dispenser of claim 1, further comprising an input mechanism that is coupled to said microprocessor and that allows the user to submit a telephone mode command to said microprocessor, wherein said microprocessor causes said portable, hand-held dispenser to operate as a telephone and enables the user to place a voice telephone call upon said telephone mode command being received at said microprocessor.
Claim 4
Independent Claim
95 words
A method for requesting and dispensing negotiable instruments in a portable, hand-held dispenser, said method comprising: receiving a wireless transmission of dispensing information for a particular negotiable instrument; generating printing information based upon said dispensing information; printing said particular negotiable instrument using said printing information; operating said portable, hand-held dispenser as an organizer upon an organizer mode command being received from a user; and housing said portable, hand-held dispenser in a dispenser body that is a size and weight that allows said portable, hand-held dispenser to be carried in a single hand of the user.
Claim 5
Independent Claim
95 words
A method for requesting and dispensing negotiable instruments in a portable, hand-held dispenser, said method comprising: receiving a wireless transmission of dispensing information for a particular negotiable instrument; generating printing information based upon said dispensing information; printing said particular negotiable instrument using said printing information; operating said portable, hand-held dispenser as an organizer upon an organizer mode command being received from a user; and housing said portable, hand-held dispenser in a dispenser body that is a size and weight that allows said portable, hand-held dispenser to be carried in a single hand of the user.
Claim 6
Dependent Claim
31 words
The method of claim 3, further comprising operating said portable, hand-held dispenser as a telephone for placing a voice telephone call upon a telephone mode command being received from the user.
Claim 7
Dependent Claim
220 words
A portable, hand-held dispenser that allows a user to request and dispense a negotiable instrument, said dispenser comprising: a wireless transmitter that transmits, to an authorizing computer, a request for data used to dispense the negotiable instrument; a wireless receiver that receives, from said authorizing computer, said data used to dispense the negotiable instrument; an input device that allows the user to submit an organizer mode command; a microprocessor that is coupled to said wireless transmitter, said wireless receiver, and said input device, that generates said request, that receives said data, that generates printing information using said data, that receives said organizer mode command from said input device, and that causes said portable, hand-held dispenser to operate as an organizer upon said organizer mode command being received; a printer that is coupled to said microprocessor, that receives said printing information from said microprocessor, and that prints the negotiable instrument when said printing information is received from said microprocessor; a battery that provides power to said wireless transmitter, said wireless receiver, said microprocessor, and said printer; and a dispenser body that houses said wireless transmitter, said wireless receiver, said microprocessor, said input device, said printer, and said battery, and that is a size and weight that allows said portable, hand-held dispenser to be carried in a single hand of the user.
Claim 8
Dependent Claim
220 words
A portable, hand-held dispenser that allows a user to request and dispense a negotiable instrument, said dispenser comprising: a wireless transmitter that transmits, to an authorizing computer, a request for data used to dispense the negotiable instrument; a wireless receiver that receives, from said authorizing computer, said data used to dispense the negotiable instrument; an input device that allows the user to submit an organizer mode command; a microprocessor that is coupled to said wireless transmitter, said wireless receiver, and said input device, that generates said request, that receives said data, that generates printing information using said data, that receives said organizer mode command from said input device, and that causes said portable, hand-held dispenser to operate as an organizer upon said organizer mode command being received; a printer that is coupled to said microprocessor, that receives said printing information from said microprocessor, and that prints the negotiable instrument when said printing information is received from said microprocessor; a battery that provides power to said wireless transmitter, said wireless receiver, said microprocessor, and said printer; and a dispenser body that houses said wireless transmitter, said wireless receiver, said microprocessor, said input device, said printer, and said battery, and that is a size and weight that allows said portable, hand-held dispenser to be carried in a single hand of the user.
Claim 9
Independent Claim
118 words
A method for requesting and dispensing a negotiable instrument in a portable, hand-held dispenser, said method comprising: generating a request for data used to dispense the negotiable instrument; transmitting said request in a wireless transmission; receiving a wireless transmission of said data used to dispense the negotiable instrument; receiving a user-entered organizer mode command; generating printing information using said data; causing said portable, hand-held dispenser to operate as an organizer upon said user-entered organizer mode command being received; printing the negotiable instrument using said printing information; and housing said portable, hand-held dispenser in a dispenser body that is a size and weight that allows said portable, hand-held dispenser to be carried in a single hand of the user.
Claim 10
Independent Claim
118 words
A method for requesting and dispensing a negotiable instrument in a portable, hand-held dispenser, said method comprising: generating a request for data used to dispense the negotiable instrument; transmitting said request in a wireless transmission; receiving a wireless transmission of said data used to dispense the negotiable instrument; receiving a user-entered organizer mode command; generating printing information using said data; causing said portable, hand-held dispenser to operate as an organizer upon said user-entered organizer mode command being received; printing the negotiable instrument using said printing information; and housing said portable, hand-held dispenser in a dispenser body that is a size and weight that allows said portable, hand-held dispenser to be carried in a single hand of the user.
Claim 11
Dependent Claim
244 words
A portable, hand-held dispenser that allows a user to request and dispense a negotiable instrument, said dispenser comprising: a wireless receiver that receives, from an authorizing computer, data used to dispense the negotiable instrument; an input device that allows the user to submit an organizer mode command; an input mechanism that allows the user to submit a telephone mode command; a microprocessor that is coupled to said wireless receiver, said input device, and said input mechanism, that receives said data, that generates printing information using said data, that receives said organizer mode command from said input device, that causes said portable, hand-held dispenser to operate as an organizer upon said organizer mode command being received, that receives said telephone mode command from said input mechanism, and that causes said portable, hand-held dispenser to operate as a telephone and enables the user to place a voice telephone call upon said telephone mode command being received; a printer that is coupled to said microprocessor, that receives said printing information from said microprocessor, and that prints the negotiable instrument when said printing information is received from said microprocessor; a battery that provides power to said wireless receiver, said microprocessor, and said printer; and a dispenser body that houses said wireless receiver, said microprocessor, said input device, said input mechanism, said printer, and said battery, and that is a size and weight that allows said portable, hand-held dispenser to be carried in a single hand of the user.
Claim 12
Dependent Claim
244 words
A portable, hand-held dispenser that allows a user to request and dispense a negotiable instrument, said dispenser comprising: a wireless receiver that receives, from an authorizing computer, data used to dispense the negotiable instrument; an input device that allows the user to submit an organizer mode command; an input mechanism that allows the user to submit a telephone mode command; a microprocessor that is coupled to said wireless receiver, said input device, and said input mechanism, that receives said data, that generates printing information using said data, that receives said organizer mode command from said input device, that causes said portable, hand-held dispenser to operate as an organizer upon said organizer mode command being received, that receives said telephone mode command from said input mechanism, and that causes said portable, hand-held dispenser to operate as a telephone and enables the user to place a voice telephone call upon said telephone mode command being received; a printer that is coupled to said microprocessor, that receives said printing information from said microprocessor, and that prints the negotiable instrument when said printing information is received from said microprocessor; a battery that provides power to said wireless receiver, said microprocessor, and said printer; and a dispenser body that houses said wireless receiver, said microprocessor, said input device, said input mechanism, said printer, and said battery, and that is a size and weight that allows said portable, hand-held dispenser to be carried in a single hand of the user.
Claim 13
Independent Claim
133 words
A method for requesting and dispensing a negotiable instrument, in a portable, hand-held dispenser, said method comprising: receives a wireless transmission of data used to dispense the negotiable instrument; receiving a user-entered organizer mode command; receiving a user-entered telephone mode command; generating printing information using said data; causing said portable, hand-held dispenser to operate as an organizer upon said user-entered organizer mode command being received; causing said portable, hand-held dispenser to operate as a telephone and enabling the user to place a voice telephone call upon said user-entered telephone mode command being received; printing the negotiable instrument using said printing information; and housing said portable, hand-held dispenser in a dispenser body that is a size and weight that allows said portable, hand-held dispenser to be carried in a single hand of the user.
Claim 14
Independent Claim
133 words
A method for requesting and dispensing a negotiable instrument, in a portable, hand-held dispenser, said method comprising: receives a wireless transmission of data used to dispense the negotiable instrument; receiving a user-entered organizer mode command; receiving a user-entered telephone mode command; generating printing information using said data; causing said portable, hand-held dispenser to operate as an organizer upon said user-entered organizer mode command being received; causing said portable, hand-held dispenser to operate as a telephone and enabling the user to place a voice telephone call upon said user-entered telephone mode command being received; printing the negotiable instrument using said printing information; and housing said portable, hand-held dispenser in a dispenser body that is a size and weight that allows said portable, hand-held dispenser to be carried in a single hand of the user.
References Cited (Backward Citations)
US3183829A
Cited
US4355369A
Cited
US4053735A
Cited
US4234932A
Cited
US4390968A
Cited
US4385285A
Cited
US4511970A
Cited
US4630201A
Cited
US4894784A
Cited
US4812986A
Cited
US4870596A
Cited
US4625275A
Cited
US4699532A
Cited
US5014212A
Cited
US5025373A
Cited
US4926325A
Cited
US5119293A
Cited
US4918723A
Cited
US5221838A
Cited
WO1993009506A1
Cited
US5477037A
Cited
US5341290A
Cited
US5570465A
Cited
US5349534A
Cited
US5774877A
Cited
US5787405A
Cited
WO1996038801A1
Cited
USPTO Annuity & Maintenance Windows
| Annuity Stage | Window Opens | Payment Deadline | Surcharge Period Until | Estimated Fee | Status |
|---|---|---|---|---|---|
| 3.5 Years (Year 4) | 2002-11-29 | 2003-05-31 | 2003-11-30 | $2000.00 | Window Closed / Lapsed |
| 7.5 Years (Year 8) | 2006-11-29 | 2007-05-31 | 2007-11-30 | $3760.00 | Window Closed / Lapsed |
| 11.5 Years (Year 12) | 2010-11-29 | 2011-05-31 | 2011-11-30 | $7700.00 | Window Closed / Lapsed |