Patent US4505829A successfully refreshed from Google Patents.
US6647136B2
Expired / Lapsed
US
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Automated check processing system and method
Assignee: Cummins Allison Corp
•
Filing: 2002-01-04
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Granted: 2003-11-11
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Expires: 2022-01-04
Abstract
Abstract A document processing system comprises an input receptacle for receiving documents. A transport mechanism receives the documents from the input receptacle and transports the documents past a full image scanner and a discrimination unit. An output receptacle receives the documents from the transport mechanism after being transported past the full image scanner and the discrimination unit. The full image scanner includes means for obtaining a full video image of said documents, means for obtaining a image of a selected area of said documents, and means for obtaining information contained in said selected area of said document. The discrimination unit includes means for determining the authenticity of said document. A system controller directs the flows of documents over the transport mechanism.
Inventors
- 👤 John E. Jones
- 👤 Paul A. Jones
- 👤 William J. Jones
- 👤 Douglas U. Mennie
Bibliographic Details
Application Number
—
Jurisdiction
US
Data Source
google_patents
Last Synchronized
2026-11-07 08:19
CPC Classifications
G; G07; G07D; G07D7/00; G07D7/06; G07D7/12; G06; G06Q; G06Q10/00; G06Q10/10; G06Q20/00; G06Q20/04; G06Q20/042; G06Q20/0425; G06Q20/08; G06Q20/10; G06Q20/105; G06Q20/108; G06Q20/1085; G06Q20/18; G06Q20/20; G06Q40/00; G06Q40/02; G06T; G06T1/00; G06V; G06V30/00; G06V30/10; G06V30/12; G06V30/127; G06V30/26; G06V30/262; G06V30/274; G07D11/00; G07D11/50; G07D7/1205; G07D7/20; G07F; G07F19/00; G07F19/20; G07F19/202; G07F19/207; G07F7/00; G07F7/04; G07D7/04
Claims Analysis
Total Claims: 49
Claim 1
Independent Claim
104 words
A check processing system comprising: an input receptacle for receiving checks; an image scanner; a transport mechanism coupled to the input receptacle and transporting the checks past the image scanner at a rate in excess of 800 checks per minute; an output receptacle for receiving the checks from the transport mechanism after being transported past the image scanner; the image scanner being adapted to obtain images of the checks, the scanner further being adapted to optically recognize fields within the checks and to automatically extract information from the fields; and automatic means for dispensing and distributing funds among financial accounts associated with the checks.
Claim 2
Dependent Claim
104 words
A check processing system comprising: an input receptacle for receiving checks; an image scanner; a transport mechanism coupled to the input receptacle and transporting the checks past the image scanner at a rate in excess of 800 checks per minute; an output receptacle for receiving the checks from the transport mechanism after being transported past the image scanner; the image scanner being adapted to obtain images of the checks, the scanner further being adapted to optically recognize fields within the checks and to automatically extract information from the fields; and automatic means for dispensing and distributing funds among financial accounts associated with the checks.
Claim 3
Dependent Claim
15 words
The check processing system of claim 1 wherein the output receptacle is a single bin.
Claim 4
Dependent Claim
16 words
The check processing system of claim 1 wherein the output receptacle is a plurality of bins.
Claim 5
Dependent Claim
21 words
The check processing system of claim 3 , wherein one of the plurality of output bins is an off sort bin.
Claim 6
Dependent Claim
20 words
The check processing system of claim 1 further comprising a communications panel adapted to communicate operational instructions to a user.
Claim 7
Dependent Claim
24 words
The check processing system of claim 1 further comprising an interface adapted to communicate the images and field information with an outside accounting system.
Claim 8
Dependent Claim
30 words
The check processing system of claim 1 wherein the checks have wide and narrow dimensions and the checks are transported with their narrow dimension parallel to the direction of transport.
Claim 9
Dependent Claim
16 words
The check processing system of claim 7 , wherein the output receptacle is a single bin.
Claim 10
Dependent Claim
15 words
The check processing system of claim 7 , wherein the output receptacle is two bins.
Claim 11
Dependent Claim
19 words
The check processing system of claim 9 , wherein one of the two bins is an off sort bin.
Claim 12
Dependent Claim
18 words
The check processing system of claim 7 , wherein the output receptacle is a plurality of output bins.
Claim 13
Dependent Claim
21 words
The check processing system of claim 11 , wherein one of the plurality of output bins is an off sort bin.
Claim 14
Dependent Claim
31 words
The check processing system of claim 1 wherein the checks have wide and narrow dimensions and the checks documents are transported with their wide dimension parallel to the direction of transport.
Claim 15
Dependent Claim
39 words
The check processing system of claim 1 further including means for authenticating presented customer identification prior to dispensing and distributing funds, wherein the customer identification comprises an electronic image containing information comprising the bank and identity of the customer.
Claim 16
Dependent Claim
40 words
The check processing system of claim 1 further including means for authenticating presented customer identification prior to dispensing and distributing funds, wherein the customer identification comprises a slip of paper containing information comprising the bank and identity of the customer.
Claim 17
Dependent Claim
25 words
The check processing system of claim 1 wherein the checks have first and second surfaces and the checkers are scanned on first and second surfaces.
Claim 18
Dependent Claim
14 words
The check processing system of claim 1 wherein the output receptacle comprises two bins.
Claim 19
Dependent Claim
18 words
The check processing system of claim 17 wherein one of the two bins is an off sort bin.
Claim 20
Dependent Claim
24 words
The check processing system of claim 1 , further comprising a stacking wheel comprising flexible blades positioned to restack checks in the output receptacle.
Claim 21
Dependent Claim
21 words
The check processing system of claim 1 , further comprising means for flagging checks meeting or failing to meet predetermined criteria.
Claim 22
Dependent Claim
47 words
The check processing system of claim 20 , wherein the means for flagging documents flags a check by suspending the operation of the system, the system being halted so that the flagged check is located at a predetermined position within the system when the transport mechanism stops.
Claim 23
Dependent Claim
58 words
A check processing system at a financial institution, comprising: an input receptacle receiving checks; an image scanner that scans the checks to generate electronic check image tiles; a transport mechanism that transports the checks from the input receptacle past the image scanner; and means for electronically tagging the check image files with endorsement data for the financial institution.
Claim 24
Dependent Claim
58 words
A check processing system at a financial institution, comprising: an input receptacle receiving checks; an image scanner that scans the checks to generate electronic check image tiles; a transport mechanism that transports the checks from the input receptacle past the image scanner; and means for electronically tagging the check image files with endorsement data for the financial institution.
Claim 25
Dependent Claim
26 words
The system of claim 22 wherein the transport mechanism transports the checks past the image scanner at a rate in excess of 800 checks per minute.
Claim 26
Dependent Claim
17 words
The system of claim 22 wherein the image scanner further obtains information from fields within the checks.
Claim 27
Dependent Claim
18 words
The system of claim 22 wherein the endorsement data tagged to the check image file comprises bank information.
Claim 28
Dependent Claim
29 words
The system of claim 22 further including an accounting system that receives the tagged check image files and updates a financial account associated with a customer depositing the checks.
Claim 29
Dependent Claim
44 words
The system of claim 26 , further including: means for accepting identification from the customer associated with the financial account; and means for dispensing currency to the customer; the accounting system updating the balance of the financial account with respect to the dispensed currency.
Claim 30
Dependent Claim
19 words
The system of claim 22 further including a user input device through which unrecognizable field information may be input.
Claim 31
Dependent Claim
24 words
The system of claim 22 further including an interface through which tagged check image files are output to other financial institutions for further processing.
Claim 32
Dependent Claim
79 words
A check processing method comprising the steps of: receiving checks; scanning each check with an image scanner to obtain images of the checks; transporting the checks past the image scanner at a rate in excess of 800 checks per minute; receiving the checks after being transported past the image scanner; optically recognizing fields within the check images in order to automatically extract information from the fields; and automatically dispensing and distributing funds among financial accounts associated with the checks.
Claim 33
Dependent Claim
79 words
A check processing method comprising the steps of: receiving checks; scanning each check with an image scanner to obtain images of the checks; transporting the checks past the image scanner at a rate in excess of 800 checks per minute; receiving the checks after being transported past the image scanner; optically recognizing fields within the check images in order to automatically extract information from the fields; and automatically dispensing and distributing funds among financial accounts associated with the checks.
Claim 34
Dependent Claim
35 words
The method of claim 30 wherein the checks have wide and narrow dimensions and the step of transporting comprises the step of transporting the checks with their narrow dimension parallel to a direction of transport.
Claim 35
Dependent Claim
35 words
The method of claim 30 wherein the checks have wide and narrow dimensions and the step of transporting comprises the step of transporting the checks with their wide dimension parallel to a direction of transport.
Claim 36
Dependent Claim
37 words
The method of claim 30 further including the step of authenticating customer identification prior to dispensing and distributing funds, wherein the customer identification comprises an electronic image containing information comprising the bank and identity of the customer.
Claim 37
Dependent Claim
38 words
The method of claim 30 further including the step of authenticating customer identification prior to dispensing and distributing funds, wherein the customer identification comprises a slip of paper containing information comprising the bank and identity of the customer.
Claim 38
Dependent Claim
29 words
The method of claim 30 wherein the checks have first and second surfaces and the step of scanning comprises the step of imaging both the first and second surfaces.
Claim 39
Dependent Claim
20 words
The method of claim 30 , further comprising the step of flagging checks meeting or failing to meet predetermined criteria.
Claim 40
Dependent Claim
29 words
The method of claim 36 , wherein the step of flagging comprises the step of suspending check transport so that the flagged check is located at a predetermined position.
Claim 41
Dependent Claim
50 words
A check processing method performed at a financial institution, comprising the steps of: receiving checks; scanning the checks with an image scanner to generate electronic check image files; transporting the received checks past the image scanner; and electronically tagging the check image files with endorsement data for the financial institution.
Claim 42
Dependent Claim
50 words
A check processing method performed at a financial institution, comprising the steps of: receiving checks; scanning the checks with an image scanner to generate electronic check image files; transporting the received checks past the image scanner; and electronically tagging the check image files with endorsement data for the financial institution.
Claim 43
Dependent Claim
31 words
The method of claim 38 wherein the step of transporting comprises the step of transporting the checks past the image scanner at a rate in excess of 800 checks per minute.
Claim 44
Dependent Claim
18 words
The method of claim 38 further including the step of optically recognizing information from fields within the checks.
Claim 45
Dependent Claim
18 words
The method of claim 38 wherein the endorsement data tagged to the check image file comprises bank information.
Claim 46
Dependent Claim
21 words
The method of claim 38 further including the step of updating a financial account associated with a customer depositing the checks.
Claim 47
Dependent Claim
39 words
The method of claim 38 , further including steps of: accepting identification from the customer associated with the financial account; and dispensing currency to the customer; updating the balance of the financial account with respect to the dispensed currency.
Claim 48
Dependent Claim
19 words
The method of claim 38 further including a user input device through which unrecognizable field information may be input.
Claim 49
Dependent Claim
22 words
The method of claim 38 further including the step of outputting tagged check image files to other financial institutions for further processing.
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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) | 2006-11-10 | 2007-05-12 | 2007-11-11 | $2000.00 | Window Closed / Lapsed |
| 7.5 Years (Year 8) | 2010-11-10 | 2011-05-12 | 2011-11-11 | $3760.00 | Window Closed / Lapsed |
| 11.5 Years (Year 12) | 2014-11-10 | 2015-05-12 | 2015-11-11 | $7700.00 | Window Closed / Lapsed |