US6038553A
Expired / Lapsed
US
⏱️ 0.0 years remaining
Self service method of and system for cashing checks
Assignee: Conduent Business Services LLC
•
Filing: 1997-09-19
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Granted: 2000-03-14
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Expires: 2017-09-19
Abstract
Abstract An automated self service method of and system for cashing checks, typically without human intervention. The system includes a check cashing database that contains customer records for registered customers. A plurality of administration modules are provided with which individuals may register themselves and their checks and communicate with customer service representatives. A check cashing server communicates with the check cashing transaction modules. The check cashing server receives check cashing requests from the check cashing transaction modules. The check cashing server processes check requests by comparing information in the request with criteria derived from the check cashing database. If the check request satisfies the criteria, the check cashing server, without human action or intervention, instructs the check cashing transaction module to dispense cash to the customer.
Inventors
- 👤 Thomas A. Hyde, Jr.
Bibliographic Details
Application Number
—
Jurisdiction
US
Data Source
google_patents
Last Synchronized
2026-11-07 20:14
CPC Classifications
G; G06; G06Q; G06Q30/00; G06Q30/04; G06Q20/00; G06Q20/04; G06Q20/042; G06Q20/08; G06Q20/10; G06Q20/108; G06Q20/1085; G07; G07F; G07F19/00; G07F19/20; G07F19/211
Claims Analysis
Total Claims: 26
Claim 1
Independent Claim
78 words
A system for cashing checks, which comprises: a check cashing server, said check cashing server including means for processing check cashing requests; and, a transaction module, said transaction module including: means for receiving a check to be cashed; means for transmitting a check cashing request to said check cashing server; means for dispensing cash to a customer in response to customer registration information and check registration information collected from the customer and provided to said check cashing server.
Claim 2
Independent Claim
78 words
A system for cashing checks, which comprises: a check cashing server, said check cashing server including means for processing check cashing requests; and, a transaction module, said transaction module including: means for receiving a check to be cashed; means for transmitting a check cashing request to said check cashing server; means for dispensing cash to a customer in response to customer registration information and check registration information collected from the customer and provided to said check cashing server.
Claim 3
Dependent Claim
41 words
The system as claimed in claim 1, wherein said transaction module further includes: means for capturing an image of a customer attempting to cash said check; and, means for transmitting said captured image of said customer to said check cashing server.
Claim 4
Dependent Claim
47 words
The system as claimed in claim 1, wherein said transaction module further includes: means for capturing an image of at least one side of said check; and, means for transmitting said captured image of said at least one side of said check to said check cashing server.
Claim 5
Dependent Claim
50 words
The system as claimed in claim 1, wherein said transaction module further includes: user input means for enabling a customer to enter a customer identifier, a check amount, and a check date; and, means for including said entered customer identifier, check amount, and check date in said check cashing request.
Claim 6
Dependent Claim
36 words
The system as claimed in claim 4, wherein said transaction module includes: means for performing courtesy amount verification on said check; means for including the result of said courtesy amount verification in said check cashing request.
Claim 7
Dependent Claim
67 words
The system as claimed in claim 5, wherein said means for performing courtesy amount verification on said check includes: means for capturing an image of at least a front side of said check; means for performing optical character recognition on said captured image of said check; and means for comparing a result of said optical character recognition with the amount of said check entered by said customer.
Claim 8
Dependent Claim
35 words
The system as claimed in claim 1, wherein said transaction module further includes: means for reading magnetic ink characters on said check; and, means for transmitting said magnetic ink characters to said check cashing server.
Claim 9
Dependent Claim
32 words
The system as claimed in claim 7, wherein said transaction module further includes: means for returning said check uncashed whenever said transaction module fails to detect magnetic ink characters on said check.
Claim 10
Dependent Claim
44 words
The system as claimed in claim 8, wherein said transaction module further includes: means for instructing said customer to insert said check into said transaction module when said check is returned uncashed in response to failure to detect magnetic ink characters on said check.
Claim 11
Dependent Claim
40 words
The system as claimed in claim 1, wherein said transaction module further includes: means for detecting an endorsement on said check; and, means for returning said check uncashed whenever said transaction module fails to detect an endorsement on said check.
Claim 12
Dependent Claim
28 words
The system as claimed in claim 10, wherein said transaction module further includes: means for prompting a customer to endorse and reinsert said check into said transaction module.
Claim 13
Dependent Claim
42 words
The system as claimed in claim 1, wherein said transaction module further includes: means for detecting a signature of a maker on said check; and, means for returning said check uncashed in response to failure to detect a signature on said check.
Claim 14
Dependent Claim
50 words
The system as claimed in claim 1, wherein said check cashing server further includes: means for comparing information in said check request with predefined check cashing criteria; and, means for transmitting an authorization to said transaction module if said information in said check request matches said predefined check cashing criteria.
Claim 15
Dependent Claim
37 words
The system as claimed in claim 13, wherein said check cashing server includes: means for transmitting said check request to a teller module if said information in said check request fails to match said check cashing criteria.
Claim 16
Dependent Claim
88 words
The system as claimed in claim 1, wherein: said transaction module includes: means for performing courtesy amount verification on said check; and, means for including the result of courtesy amount verification in said check cashing request; and said check cashing server includes: means for comparing information in said check request with predefined check cashing criteria; and, means for transmitting an authorization to said to said transaction module if said information in said check request matches said predefined check cashing criteria and said courtesy amount verification result is positive.
Claim 17
Dependent Claim
48 words
The system as claimed in claim 15, wherein said check cashing server includes: means for transmitting said check cashing request to a teller module if said information in said check cashing request fails to match said predefined check cashing criteria or said courtesy amount verification result is negative.
Claim 18
Dependent Claim
102 words
The system as claimed in claim 1, including: an administration module, said administration module including means for collecting said customer registration information from a customer and said check registration information from said customer, and said administration module including means for providing said customer with customer identification indicia; and, a customer service module, said customer service module including means for receiving said customer registration information and said check registration information collected from said customer at said administration module, means for providing said customer and check registration information to said check cashing server, and means for transmitting customer identification indicia to said administration module.
Claim 19
Independent Claim
104 words
A method of cashing a check, which comprises the computer implemented steps of: prompting a check cashing customer to enter information including a customer identifier, a check amount, and a check cashing date; prompting said customer to insert said check to be cashed into a holding device; and, dispensing cash to said check cashing customer without human intervention when the customer identifier entered by said check cashing customer matches a customer identifier for a registered customer stored in a check cashing database and said amount and date entered by said check cashing customer matches defined criteria for a check registered to the registered customer.
Claim 20
Independent Claim
104 words
A method of cashing a check, which comprises the computer implemented steps of: prompting a check cashing customer to enter information including a customer identifier, a check amount, and a check cashing date; prompting said customer to insert said check to be cashed into a holding device; and, dispensing cash to said check cashing customer without human intervention when the customer identifier entered by said check cashing customer matches a customer identifier for a registered customer stored in a check cashing database and said amount and date entered by said check cashing customer matches defined criteria for a check registered to the registered customer.
Claim 21
Dependent Claim
18 words
The method as claimed in claim 18, wherein said check cashing database includes stored images of registered customers.
Claim 22
Dependent Claim
34 words
The method as claimed in claim 19, including the computer implemented steps of: capturing an image of said check cashing customer; and, storing said image of said check customer in said check cashing database.
Claim 23
Dependent Claim
48 words
The method as claimed in claim 20, including the computer implemented steps of: displaying to a teller said image of said check cashing customer and said registered customer identified by said entered customer identifier if said entered check cashing date or amount does not match said defined criteria.
Claim 24
Dependent Claim
25 words
The method as claimed in claim 21, including the computer implemented step of: dispensing cash to said check cashing customer in response to teller authorization.
Claim 25
Dependent Claim
33 words
The method as claimed in claim 18, including the computer implemented steps of: determining if said check is authentic; and, returning said check uncashed if said check is determined not to be authentic.
Claim 26
Dependent Claim
30 words
The method as claimed in claim 23, wherein said step of determining if said check is authentic includes the computer implemented step of: detecting magnetic ink characters on said check.
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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) | 2003-03-14 | 2003-09-13 | 2004-03-14 | $2000.00 | Window Closed / Lapsed |
| 7.5 Years (Year 8) | 2007-03-14 | 2007-09-13 | 2008-03-14 | $3760.00 | Window Closed / Lapsed |
| 11.5 Years (Year 12) | 2011-03-14 | 2011-09-13 | 2012-03-14 | $7700.00 | Window Closed / Lapsed |