Patent US6149056A successfully refreshed from Google Patents.
US6149056A
Expired / Lapsed
US
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Automatic check cashing using biometric identification verification
Assignee: ATC Realty Fifteen Inc
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Filing: 1997-05-12
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Granted: 2000-11-21
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Expires: 2017-05-12
Abstract
Abstract An automated check-cashing unit includes an input device configured to generate input signals in response to inputs from a customer, a storage device including a database of customer information, a check reader configured to receive and read a check to be processed, a cash dispenser, and an electronic processor. The processor is configured to receive the input signals from the input device, receive information about the check to be processed from the check reader, access the database of customer information to obtain data about the customer, and determine automatically whether to accept or reject the check based on the input signals, the received information about the check, and the data about the customer. Upon accepting the check, the processor signals the cash dispenser to dispense cash to the customer. The processor may be further configured to confirm the identity of the customer based on biometric information about the customer. Examples of suitable biometric information include the customer's fingerprint or an image of the customer's face.
Inventors
- 👤 Michael C. Stinson
- 👤 John W. Templer, Jr.
- 👤 Dyron Clower
Bibliographic Details
Application Number
—
Jurisdiction
US
Data Source
google_patents
Last Synchronized
2026-11-06 14:40
CPC Classifications
G; G07; G07F; G07F7/00; G07F7/08; G06; G06Q; G06Q20/00; G06Q20/08; G06Q20/10; G06Q20/108; G06Q20/1085; G06Q20/18; G06Q20/38; G06Q20/40; G06Q20/401; G06Q20/4014; G06Q20/40145; G07C; G07C9/00; G07C9/20; G07C9/22; G07C9/25; G07C9/253; G07C9/257; G07D; G07D7/00; G07F19/00; G07F19/20; G07F19/202; G07F7/10
Claims Analysis
Total Claims: 13
Claim 1
Independent Claim
226 words
An automated check-cashing apparatus, comprising: an input device configured to generate input signals in response to inputs from a customer presenting a check to be processed; a storage device including a database of customer information; a check reader configured to receive and read the check to be processed; a cash dispenser; and an electronic processor connected to the input device, the storage device, the check reader, and the cash dispenser, and configured to: receive the input signals from the input device, the input signals identifying the customer presenting the check to be processed, receive information about the check to be processed from the check reader, the information identifying the payor of the check to be processed, use the input signals to access the database of customer information to obtain data about the customer, determine automatically whether to accept or reject the check to be processed based on the received information about the check to be processed, the data about the customer, and acceptance criteria, and upon accepting the check to be processed, signal the cash dispenser to dispense cash to the customer, wherein the acceptance criteria are defined generally to permit the processor to accept the check to be processed if the customer has used the apparatus previously to cash a previous check for a similar amount from the payor of the check to be processed.
Claim 2
Dependent Claim
226 words
An automated check-cashing apparatus, comprising: an input device configured to generate input signals in response to inputs from a customer presenting a check to be processed; a storage device including a database of customer information; a check reader configured to receive and read the check to be processed; a cash dispenser; and an electronic processor connected to the input device, the storage device, the check reader, and the cash dispenser, and configured to: receive the input signals from the input device, the input signals identifying the customer presenting the check to be processed, receive information about the check to be processed from the check reader, the information identifying the payor of the check to be processed, use the input signals to access the database of customer information to obtain data about the customer, determine automatically whether to accept or reject the check to be processed based on the received information about the check to be processed, the data about the customer, and acceptance criteria, and upon accepting the check to be processed, signal the cash dispenser to dispense cash to the customer, wherein the acceptance criteria are defined generally to permit the processor to accept the check to be processed if the customer has used the apparatus previously to cash a previous check for a similar amount from the payor of the check to be processed.
Claim 3
Independent Claim
154 words
A method for automatically dispensing cash in exchange for a financial instrument, comprising the steps of: a local apparatus receiving a user identification entered by a user; in response to entry of the user identification, accessing information about the user in a local database; the local apparatus receiving a financial instrument entered by the user; in response to the entry of financial instrument, reading information from the financial instrument; the local apparatus collecting biometric data about the user; the local apparatus comparing the collected biometric data with the information about the user to perform a determination of a user identity; and the local apparatus determining whether to dispense cash to the user using the outcome of the comparison, the information from the financial instrument, and acceptance criteria, wherein the acceptance criteria permit cash to be dispensed if the customer has previously requested a similar amount of cash in exchange for a similar financial instrument.
Claim 4
Independent Claim
154 words
A method for automatically dispensing cash in exchange for a financial instrument, comprising the steps of: a local apparatus receiving a user identification entered by a user; in response to entry of the user identification, accessing information about the user in a local database; the local apparatus receiving a financial instrument entered by the user; in response to the entry of financial instrument, reading information from the financial instrument; the local apparatus collecting biometric data about the user; the local apparatus comparing the collected biometric data with the information about the user to perform a determination of a user identity; and the local apparatus determining whether to dispense cash to the user using the outcome of the comparison, the information from the financial instrument, and acceptance criteria, wherein the acceptance criteria permit cash to be dispensed if the customer has previously requested a similar amount of cash in exchange for a similar financial instrument.
Claim 5
Dependent Claim
38 words
The method of claim 2, wherein the financial instrument is a check, and wherein the similar financial instrument is a check having a same payor and a similar dollar amount as a check previously presented by the user.
Claim 6
Dependent Claim
106 words
The method of claim 2, further comprising the steps of: if at least one of the acceptance criteria is not met, determining that the financial instrument is not acceptable for at least one referral reason, wherein a referral reason indicates which of the acceptance criteria was not met; connecting to a remote server including a remote database; transmitting a request to the remote server, the request including: the biometric data about the user; the information from the financial instrument; and the at least one referral reason, wherein the remote server uses the request to make a separate determination of whether to dispense cash to the user.
Claim 7
Dependent Claim
34 words
The method of claim 4, further comprising the step of, during the connection to the remote server, transmitting data regarding a plurality of past financial transactions from the local database to the remote database.
Claim 8
Dependent Claim
35 words
The method of claim 5, wherein making a separate determination of whether to dispense cash to the user includes taking a particular action based upon which of the at least one referral reasons was received.
Claim 9
Dependent Claim
39 words
The method of claim 6, wherein making a separate determination of whether to dispense cash to the user includes comparing the biometric data about the user to data in the remote database to verify the identity of the user.
Claim 10
Dependent Claim
36 words
The method of claim 4, further comprising the step of, if a seperate determination is made to dispense cash to the user, the remote server sending a massage to the local apparatus to dispense the cash.
Claim 11
Independent Claim
91 words
An apparatus for providing cash to a user in exchange for a financial instrument, comprising: an input device that receives a user identifier entered by the user; a biometric device that collects biometric data about the user; a processor that performs a validation of the user's identity using the user identifier, the collected biometric data and stored biometric data, wherein the processor provides cash to the user if the user's identity is validated and the user has previously requested a similar amount of cash in exchange for a similar financial instrument.
Claim 12
Independent Claim
91 words
An apparatus for providing cash to a user in exchange for a financial instrument, comprising: an input device that receives a user identifier entered by the user; a biometric device that collects biometric data about the user; a processor that performs a validation of the user's identity using the user identifier, the collected biometric data and stored biometric data, wherein the processor provides cash to the user if the user's identity is validated and the user has previously requested a similar amount of cash in exchange for a similar financial instrument.
Claim 13
Dependent Claim
32 words
The apparatus of claim 9, wherein a financial instrument is similar to another financial instrument when a payor of the financial instrument the same as a payor of the other financial instrument.
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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) | 2003-11-21 | 2004-05-22 | 2004-11-21 | $2000.00 | Window Closed / Lapsed |
| 7.5 Years (Year 8) | 2007-11-21 | 2008-05-22 | 2008-11-21 | $3760.00 | Window Closed / Lapsed |
| 11.5 Years (Year 12) | 2011-11-21 | 2012-05-22 | 2012-11-21 | $7700.00 | Window Closed / Lapsed |