US6650767B2
Expired / Lapsed
US
⏱️ 0.0 years remaining
Automated deposit processing system and method
Assignee: Cummins Allison Corp
•
Filing: 2002-01-02
•
Granted: 2003-11-18
•
Expires: 2022-01-02
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 10:43
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: 71
Claim 1
Independent Claim
176 words
A document processing system, comprising: an input receptacle for receiving documents associated with a deposit transaction including a deposit slip document along with at least one monetary value document; an image scanner; a transport mechanism coupled to the input receptacle adapted to receive the deposit transaction documents from the input receptacle and transport the deposit transaction documents past the image scanner; an output receptacle for receiving the deposit transaction documents from the transport mechanism after being transported past the image scanner; the image scanner being adapted to obtain images of the deposit transaction documents, optically recognize fields within the documents and to extract information from the fields, the extracted information comprising account information from the imaged deposit slip document and monetary value from the imaged monetary value document(s); and an interface adapted to communicate the account information and monetary value to an outside accounting system, the outside accounting system being adapted to update a balance of a financial account associated with the account information to provide credit for the monetary value of the monetary value document(s).
Claim 2
Dependent Claim
176 words
A document processing system, comprising: an input receptacle for receiving documents associated with a deposit transaction including a deposit slip document along with at least one monetary value document; an image scanner; a transport mechanism coupled to the input receptacle adapted to receive the deposit transaction documents from the input receptacle and transport the deposit transaction documents past the image scanner; an output receptacle for receiving the deposit transaction documents from the transport mechanism after being transported past the image scanner; the image scanner being adapted to obtain images of the deposit transaction documents, optically recognize fields within the documents and to extract information from the fields, the extracted information comprising account information from the imaged deposit slip document and monetary value from the imaged monetary value document(s); and an interface adapted to communicate the account information and monetary value to an outside accounting system, the outside accounting system being adapted to update a balance of a financial account associated with the account information to provide credit for the monetary value of the monetary value document(s).
Claim 3
Dependent Claim
16 words
The document processing system of claim 1 , wherein the output receptacle is a single bin.
Claim 4
Dependent Claim
17 words
The document processing system of claim 1 , wherein the output receptacle is a plurality of bins.
Claim 5
Dependent Claim
20 words
The document processing system of claim 3 , wherein one of the plurality of bins is an off sort bin.
Claim 6
Dependent Claim
21 words
The document processing system of claim 1 , further comprising a communications panel adapted to communicate operational instructions to a user.
Claim 7
Dependent Claim
31 words
The document processing system of claim 1 , wherein the interface is further adapted to send the images of certain ones of the deposit transaction documents to the outside accounting system.
Claim 8
Dependent Claim
35 words
The document processing system of claim 1 , wherein the deposit transaction documents have wide and narrow dimensions and the deposit transaction documents are transported with their narrow dimension parallel to a direction of transport.
Claim 9
Dependent Claim
35 words
The document processing system of claim 1 , wherein the deposit transaction documents have wide and narrow dimensions and the deposit transaction documents are transported with their wide dimension parallel to a direction of transport.
Claim 10
Dependent Claim
33 words
The document processing system of claim 1 , further including an authenticator adapted to automatically determine the authenticity of the deposit transaction documents, the transport mechanism moving deposit transaction documents past the authenticator.
Claim 11
Dependent Claim
26 words
The document processing system of claim 1 , wherein the deposit slip documents are financial institution account documents and the monetary value documents are currency bills.
Claim 12
Dependent Claim
25 words
The document processing system of claim 1 , wherein the deposit slip documents are financial institution account documents and the monetary value documents are checks.
Claim 13
Dependent Claim
28 words
The document processing system of claim 1 , wherein the deposit slip documents are financial institution account documents and the monetary value documents are currency bills and checks.
Claim 14
Dependent Claim
30 words
The document processing system of claim 1 , wherein the deposit transaction documents have first and second surfaces and the deposit transaction documents are scanned on first and second surfaces.
Claim 15
Dependent Claim
15 words
The document processing system of claim 1 , wherein the output receptacle comprises two bins.
Claim 16
Dependent Claim
23 words
The document processing system of claim 1 , further comprising means for flagging deposit transaction documents meeting or failing to meet predetermined criteria.
Claim 17
Dependent Claim
49 words
The document processing system of claim 15 , wherein the means for flagging deposit transaction documents flags a document by suspending the operation of the system, the system being halted so that the flagged document is located at a predetermined position within the system when the transport mechanism stops.
Claim 18
Dependent Claim
50 words
The document processing system of claim 15 , further including a video monitor, wherein the means for flagging displays the image of the flagged document on the video monitor, the system still further including an input device through which a user inputs field information not extracted by the image scanner.
Claim 19
Dependent Claim
26 words
The document processing system of claim 1 , further comprising a stacking wheel comprising flexible blades positioned to restack deposit transaction documents in the output receptacle.
Claim 20
Dependent Claim
31 words
The document processing system of claim 1 , wherein the transport mechanism conveys the deposit transaction documents past the image scanner at a rate of at least 800 documents per minute.
Claim 21
Dependent Claim
205 words
A document processing system, comprising: a document processor including: an input receptacle for receiving deposit transaction documents comprising a deposit slip document and at least one currency bill, an image scanner, a discrimination unit, a transport mechanism coupled to the input receptacle for receiving the deposit transaction documents from the input receptacle and transporting the deposit transaction documents past the image scanner and the discrimination unit, an output receptacle for receiving the deposit transaction documents from the transport mechanism after being transported past the image scanner and discrimination unit, the image scanner being adapted to obtain images of the deposit transaction documents, the scanner further being adapted to optically recognize fields within the documents and to extract information from the fields, the extracted information comprising account information from the imaged deposit slip document, the discrimination unit determining the authenticity of the deposit transaction documents, and an interface adapted to communicate with an outside accounting system, the outside accounting system being adapted to update a balance of a financial account associated with the account information to provide credit for the deposited currency bill(s); and a central office computer coupled to the document processor and adapted to store images and field information for the deposit transaction documents.
Claim 22
Dependent Claim
205 words
A document processing system, comprising: a document processor including: an input receptacle for receiving deposit transaction documents comprising a deposit slip document and at least one currency bill, an image scanner, a discrimination unit, a transport mechanism coupled to the input receptacle for receiving the deposit transaction documents from the input receptacle and transporting the deposit transaction documents past the image scanner and the discrimination unit, an output receptacle for receiving the deposit transaction documents from the transport mechanism after being transported past the image scanner and discrimination unit, the image scanner being adapted to obtain images of the deposit transaction documents, the scanner further being adapted to optically recognize fields within the documents and to extract information from the fields, the extracted information comprising account information from the imaged deposit slip document, the discrimination unit determining the authenticity of the deposit transaction documents, and an interface adapted to communicate with an outside accounting system, the outside accounting system being adapted to update a balance of a financial account associated with the account information to provide credit for the deposited currency bill(s); and a central office computer coupled to the document processor and adapted to store images and field information for the deposit transaction documents.
Claim 23
Dependent Claim
45 words
The document processing system of claim 20 , wherein the central processing unit and the document processor are coupled by a two-way communication link, the link allowing two-way audio communication between an operator at the central office computer and a user of the document processor.
Claim 24
Dependent Claim
21 words
The document processing system of claim 20 , further including a video terminal for displaying images of the deposit transaction documents.
Claim 25
Dependent Claim
35 words
The document processing system of claim 20 , further including a module for accepting a smart card and means for obtaining information from the smart card, the obtained information comprising financial account and authentication information.
Claim 26
Dependent Claim
39 words
The document processing system of claim 20 , further including an input through which a user enters field information not optically recognized by the image scanner, the entered field information communicated by the interface to the outside accounting system.
Claim 27
Dependent Claim
20 words
The document processing system of claim 20 , wherein the extracted information comprises currency data from the imaged currency bill(s).
Claim 28
Dependent Claim
27 words
The document processing system of claim 25 , wherein the extracted currency data comprises at least one of currency bill monetary value and currency bill serial number.
Claim 29
Dependent Claim
16 words
The document processing system of claim 20 , wherein the output receptacle is a single bin.
Claim 30
Dependent Claim
17 words
The document processing system of claim 20 , wherein the output receptacle is a plurality of bins.
Claim 31
Dependent Claim
21 words
The document processing system of claim 20 , further comprising a communications panel adapted to communicate operational instructions to a user.
Claim 32
Dependent Claim
31 words
The document processing system of claim 20 , wherein the interface is further adapted to send the images of certain ones of the deposit transaction documents to the outside accounting system.
Claim 33
Dependent Claim
35 words
The document processing system of claim 20 , wherein the deposit transaction documents have wide and narrow dimensions and the deposit transaction documents are transported with their narrow dimension parallel to a direction of transport.
Claim 34
Dependent Claim
35 words
The document processing system of claim 20 , wherein the deposit transaction documents have wide and narrow dimensions and the deposit transaction documents are transported with their wide dimension parallel to a direction of transport.
Claim 35
Dependent Claim
51 words
The document processing system of claim 20 , wherein the discrimination unit further operates to determine a monetary value of each currency bill, the accounting system updating the balance of the financial account associated with the account information to provide credit for the determined monetary value of the deposited currency bill(s).
Claim 36
Dependent Claim
126 words
A document processing method, comprising: receiving documents associated with a deposit transaction including a deposit slip document along with at least one monetary value document; transporting the received deposit transaction documents past an image scanner to an output receptacle; obtaining with the image scanner images of the deposit transaction documents; optically recognizing fields within the deposit transaction documents; extracting information from the fields, the extracted information comprising account information from the imaged deposit slip document and monetary value from the imaged monetary value document(s); communicating the account information and monetary value to an outside accounting system; and updating, by the outside accounting system, a balance of a financial account associated with the account information to provide credit for the monetary value of the monetary value documents.
Claim 37
Dependent Claim
126 words
A document processing method, comprising: receiving documents associated with a deposit transaction including a deposit slip document along with at least one monetary value document; transporting the received deposit transaction documents past an image scanner to an output receptacle; obtaining with the image scanner images of the deposit transaction documents; optically recognizing fields within the deposit transaction documents; extracting information from the fields, the extracted information comprising account information from the imaged deposit slip document and monetary value from the imaged monetary value document(s); communicating the account information and monetary value to an outside accounting system; and updating, by the outside accounting system, a balance of a financial account associated with the account information to provide credit for the monetary value of the monetary value documents.
Claim 38
Dependent Claim
16 words
The document processing method of claim 34 , wherein the output receptacle is a single bin.
Claim 39
Dependent Claim
17 words
The document processing method of claim 34 , wherein the output receptacle is a plurality of bins.
Claim 40
Dependent Claim
20 words
The document processing method of claim 36 , wherein one of the plurality of bins is an off sort bin.
Claim 41
Dependent Claim
29 words
The document processing method of claim 34 , further comprising the step of sending the images of certain ones of the deposit transaction documents to the outside accounting system.
Claim 42
Dependent Claim
42 words
The document processing method of claim 34 , wherein the deposit transaction documents have wide and narrow dimensions and the step of transporting comprises the step of transporting the deposit transaction documents with their narrow dimension parallel to a direction of transport.
Claim 43
Dependent Claim
21 words
The document processing method of claim 34 , further including the step of determining the authenticity of the deposit transaction documents.
Claim 44
Dependent Claim
26 words
The document processing method of claim 34 , wherein the deposit slip documents are financial institution account documents and the monetary value documents are currency bills.
Claim 45
Dependent Claim
25 words
The document processing method of claim 34 , wherein the deposit slip documents are financial institution account documents and the monetary value documents are checks.
Claim 46
Dependent Claim
28 words
The document processing method of claim 34 , wherein the deposit slip documents are financial institution account documents and the monetary value documents are currency bills and checks.
Claim 47
Dependent Claim
40 words
The document processing method of claim 34 , wherein the deposit transaction documents have first and second surfaces and the step of obtaining includes the step of obtaining images of the first and second surfaces of the deposit transaction documents.
Claim 48
Dependent Claim
15 words
The document processing method of claim 34 , wherein the output receptacle comprises two bins.
Claim 49
Dependent Claim
24 words
The document processing method of claim 34 , further comprising the step of flagging deposit transaction documents meeting or failing to meet predetermined criteria.
Claim 50
Dependent Claim
36 words
The document processing method of claim 46 , wherein the step of flagging deposit transaction documents comprises the step of suspending transport of the documents so that the flagged document is located at a predetermined position.
Claim 51
Dependent Claim
46 words
The document processing method of claim 46 , wherein the step of flagging includes the step of displaying the image of the flagged document, the method still further including the step of inputting by a user of field information not obtained by the step of extracting.
Claim 52
Dependent Claim
21 words
The document processing method of claim 34 , further comprising the step of restacking deposit transaction documents in the output receptacle.
Claim 53
Dependent Claim
36 words
The document processing method of claim 34 , wherein the step of transporting comprises the step of conveying the deposit transaction documents past the image scanner at a rate of at least 800 documents per minute.
Claim 54
Dependent Claim
32 words
The document processing method of claim 34 , further including the step of enabling two-way audio communication between a central location and location where the steps of receiving and transporting are performed.
Claim 55
Dependent Claim
20 words
The document processing method of claim 34 , further including the step of displaying images of the deposit transaction documents.
Claim 56
Dependent Claim
30 words
The document processing method of claim 34 , further including the steps of accepting and obtaining information from a smart card, the obtained information comprising financial account and authentication information.
Claim 57
Dependent Claim
45 words
The document processing method of claim 34 , further including the step of inputting by a user of field information not optically recognized by the image scanner, the step of communicating including the step of communicating the entered field information to the outside accounting system.
Claim 58
Dependent Claim
151 words
A document processing method, comprising: receiving deposit transaction documents comprising a deposit slip document and at least one currency bill in an input receptacle of a document processor; transporting the deposit transaction documents past an image scanner and a discrimination unit in order to obtain images of the deposit transaction documents, optically recognize fields within the documents, extract information from the fields, the extracted information comprising account information from the imaged deposit slip document, and determine the authenticity of the deposit transaction documents; receiving the deposit transaction documents in an output receptacle after being transported past the image scanner and discrimination unit; communicating scanning information with an outside accounting system; updating, using the outside accounting system, a balance of a financial account associated with the account information to provide credit for the deposited currency bill(s); and storing images and field information for the deposit transaction documents at a central office computer.
Claim 59
Dependent Claim
151 words
A document processing method, comprising: receiving deposit transaction documents comprising a deposit slip document and at least one currency bill in an input receptacle of a document processor; transporting the deposit transaction documents past an image scanner and a discrimination unit in order to obtain images of the deposit transaction documents, optically recognize fields within the documents, extract information from the fields, the extracted information comprising account information from the imaged deposit slip document, and determine the authenticity of the deposit transaction documents; receiving the deposit transaction documents in an output receptacle after being transported past the image scanner and discrimination unit; communicating scanning information with an outside accounting system; updating, using the outside accounting system, a balance of a financial account associated with the account information to provide credit for the deposited currency bill(s); and storing images and field information for the deposit transaction documents at a central office computer.
Claim 60
Dependent Claim
32 words
The document processing method of claim 55 , further including the step of enabling two-way audio communication between an operator at the central office computer and a user of the document processor.
Claim 61
Dependent Claim
20 words
The document processing method of claim 55 , further including the step of displaying images of the deposit transaction documents.
Claim 62
Dependent Claim
28 words
The document processing method of claim 55 , further including the step of obtaining information from a smart card, the obtained information comprising financial account and authentication information.
Claim 63
Dependent Claim
37 words
The document processing method of claim 55 , further including the step of entering field information not optically recognized, the step of communicating including the step of communicating the entered field information to the outside accounting system.
Claim 64
Dependent Claim
16 words
The document processing method of claim 55 , wherein the output receptacle is a single bin.
Claim 65
Dependent Claim
17 words
The document processing method of claim 55 , wherein the output receptacle is a plurality of bins.
Claim 66
Dependent Claim
29 words
The document processing method of claim 55 , further including the step of sending the images of certain ones of the deposit transaction documents to the outside accounting system.
Claim 67
Dependent Claim
42 words
The document processing method of claim 55 , wherein the deposit transaction documents have wide and narrow dimensions and the step of transporting includes the step of transporting the deposit transaction documents with their narrow dimension parallel to a direction of transport.
Claim 68
Dependent Claim
42 words
The document processing method of claim 55 , wherein the deposit transaction documents have wide and narrow dimensions and the step of transporting includes the step of transporting the deposit transaction documents with their wide dimension parallel to a direction of transport.
Claim 69
Dependent Claim
20 words
The document processing method of claim 55 , wherein the extracted information comprises currency data from the imaged currency bill(s).
Claim 70
Dependent Claim
25 words
The document processing method of claims 65 , wherein the extracted currency data comprises one of currency bill monetary value and currency bill serial number.
Claim 71
Dependent Claim
58 words
The document processing method of claim 55 , wherein the step of discriminating comprises the step of determining a monetary value of each currency bill, the step of updating including the step of updating the balance of the financial account associated with the account information to provide credit for the determined monetary value of the deposited currency bill(s).
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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) | 2006-11-17 | 2007-05-19 | 2007-11-18 | $2000.00 | Window Closed / Lapsed |
| 7.5 Years (Year 8) | 2010-11-17 | 2011-05-19 | 2011-11-18 | $3760.00 | Window Closed / Lapsed |
| 11.5 Years (Year 12) | 2014-11-17 | 2015-05-19 | 2015-11-18 | $7700.00 | Window Closed / Lapsed |