Patent US6786398B1 successfully refreshed from Google Patents.
US6786398B1
Expired / Lapsed
US
⏱️ 0.0 years remaining
Method and apparatus for automatic cashing of a negotiable instrument
Assignee: ATC Realty Fifteen Inc
•
Filing: 2000-02-28
•
Granted: 2004-09-07
•
Expires: 2020-02-28
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
Inventors
- 👤 Michael C. Stinson
- 👤 John W. Templer, Jr.
- 👤 Dyron Clower
Bibliographic Details
Application Number
—
Jurisdiction
US
Data Source
google_patents
Last Synchronized
2026-11-09 19:44
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: 23
Claim 1
Independent Claim
110 words
An apparatus for dispensing cash in exchange for a negotiable instrument, the apparatus comprising: a reader to receive the negotiable instrument from a user and to obtain from the negotiable instrument, information identifying a payor of the negotiable instrument; a cash dispenser; a first storage device local to the cash dispenser, the first storage device including a database of payor information; and a processor configured to: determine whether cash should be dispensed based on the information identifying the payor of the negotiable instrument and the database of payor information, and cause the cash dispenser to dispense cash to the user in response to a determination that cash should be dispensed.
Claim 2
Independent Claim
110 words
An apparatus for dispensing cash in exchange for a negotiable instrument, the apparatus comprising: a reader to receive the negotiable instrument from a user and to obtain from the negotiable instrument, information identifying a payor of the negotiable instrument; a cash dispenser; a first storage device local to the cash dispenser, the first storage device including a database of payor information; and a processor configured to: determine whether cash should be dispensed based on the information identifying the payor of the negotiable instrument and the database of payor information, and cause the cash dispenser to dispense cash to the user in response to a determination that cash should be dispensed.
Claim 3
Dependent Claim
57 words
An apparatus as recited in claim 1 , further comprising a biometric device to acquire biometric information of the user, wherein the processor is further configured to confirm the identity of the user using the acquired biometric information, and to determine whether cash should be dispensed based further on whether the identity of the user is confirmed.
Claim 4
Dependent Claim
61 words
An apparatus as recited in claim 2 , further comprising a second storage device local to the cash dispenser, the second storage device storing a database of biometric information on a plurality of users, wherein the processor is further configured to confirm the identity of the user using the database of biometric information and the acquired biometric information of the user.
Claim 5
Dependent Claim
40 words
An apparatus as recited in claim 1 , further comprising a user input device to receive a user identifier from a user, wherein the processor is configured to determine whether cash should be dispensed based further on the user identifier.
Claim 6
Dependent Claim
59 words
An apparatus as recited in claim 1 , wherein the local database of payor information includes stored payor information for the payor of the negotiable instrument, the stored payor information including criteria of the payor of the negotiable instrument, and wherein the processor is configured to determine that cash should not be dispensed if the criteria are not met.
Claim 7
Independent Claim
160 words
An apparatus for cashing a check, the apparatus comprising: a user input device to receive a user identifier from a user; a check reader to receive the check and to read information identifying a payor of the check from the check; a biometric device to acquire biometric information of the user; a cash dispenser; a storage device local to the user input device, the check reader, the biometric device and the cash dispenser, wherein the storage device includes a database of payor information representing payors of checks; and a processor configured to: confirm the identity of the user based on the user identifier and the acquired biometric information, determine whether to cash the check based on whether the identity of the user is confirmed, the information identifying the payor of the check, and the database of payor information, and cause the cash dispenser to dispense cash to the user in response to a determination that the check should be cashed.
Claim 8
Independent Claim
160 words
An apparatus for cashing a check, the apparatus comprising: a user input device to receive a user identifier from a user; a check reader to receive the check and to read information identifying a payor of the check from the check; a biometric device to acquire biometric information of the user; a cash dispenser; a storage device local to the user input device, the check reader, the biometric device and the cash dispenser, wherein the storage device includes a database of payor information representing payors of checks; and a processor configured to: confirm the identity of the user based on the user identifier and the acquired biometric information, determine whether to cash the check based on whether the identity of the user is confirmed, the information identifying the payor of the check, and the database of payor information, and cause the cash dispenser to dispense cash to the user in response to a determination that the check should be cashed.
Claim 9
Dependent Claim
41 words
An apparatus as recited in claim 6 , further comprising a local database of biometric information on a plurality of users, wherein the processor is further configured to confirm the identity of the user further using the database of biometric information.
Claim 10
Dependent Claim
58 words
An apparatus as recited in claim 6 , wherein the local database of payor information includes stored payor information for the payor of the check, the stored payor information including criteria of the payor of the check, and wherein the processor is configured to determine that the check should not be cashed if the criteria are not met.
Claim 11
Dependent Claim
80 words
An apparatus as recited in claim 6 , wherein the processor is configured to determine that the check should be cashed if: (a) the local database of biometric information includes stored biometric information for the user; (b) the stored biometric information corresponds to the acquired biometric information; (c) the local database of payor information includes stored payor information for the payor of the check; and (d) criteria in the stored payor information for the payor of the check are satisfied.
Claim 12
Independent Claim
166 words
An apparatus for cashing a check, the apparatus comprising: a user input device to receive a user identifier from a user; a check reader to receive the check and to read information identifying a payor of the check from the check; a biometric device to acquire biometric information of the user; a local database of biometric information on a plurality of users; a cash dispenser; a storage device local to the cash dispenser, the storage device including a database of payor information representing payors of checks; and a processor configured to: confirm the identity of the user based on the user identifier, the acquired biometric information, and the local database of biometric information, determine whether the check should be cashed based on whether the identity of the user is confirmed, the information identifying the payor of the check, and the database of payor information, and cause the cash dispenser to dispense cash to the user in response to a determination that the check should be cashed.
Claim 13
Independent Claim
166 words
An apparatus for cashing a check, the apparatus comprising: a user input device to receive a user identifier from a user; a check reader to receive the check and to read information identifying a payor of the check from the check; a biometric device to acquire biometric information of the user; a local database of biometric information on a plurality of users; a cash dispenser; a storage device local to the cash dispenser, the storage device including a database of payor information representing payors of checks; and a processor configured to: confirm the identity of the user based on the user identifier, the acquired biometric information, and the local database of biometric information, determine whether the check should be cashed based on whether the identity of the user is confirmed, the information identifying the payor of the check, and the database of payor information, and cause the cash dispenser to dispense cash to the user in response to a determination that the check should be cashed.
Claim 14
Dependent Claim
58 words
An apparatus as recited in claim 10 , wherein the local database of payor information includes stored payor information for the payor of the check, the stored payor information including criteria of the payor of the check, and wherein the processor is configured to determine that the check should not be cashed if the criteria are not met.
Claim 15
Dependent Claim
80 words
An apparatus as recited in claim 10 , wherein the processor is configured to determine that the check should be cashed if: (a) the local database of biometric information includes stored biometric information for the user; (b) the stored biometric information corresponds to the acquired biometric information; (c) the local database of payor information includes stored payor information for the payor of the check; and (d) criteria in the stored payor information for the payor of the check are satisfied.
Claim 16
Independent Claim
93 words
A method of dispensing cash in exchange for a negotiable instrument, the method comprising: receiving information identifying a user; receiving the negotiable instrument; reading from the negotiable instrument, information identifying a payor of the negotiable instrument; storing a database of payor information locally at a cash dispensing location; determining whether cash should be dispensed based on the information identifying the user, the information identifying the payor of the negotiable instrument, and the database of payor information; and dispensing cash at the cash dispending location in response to determining that cash should be dispensed.
Claim 17
Independent Claim
93 words
A method of dispensing cash in exchange for a negotiable instrument, the method comprising: receiving information identifying a user; receiving the negotiable instrument; reading from the negotiable instrument, information identifying a payor of the negotiable instrument; storing a database of payor information locally at a cash dispensing location; determining whether cash should be dispensed based on the information identifying the user, the information identifying the payor of the negotiable instrument, and the database of payor information; and dispensing cash at the cash dispending location in response to determining that cash should be dispensed.
Claim 18
Dependent Claim
53 words
A method as recited in claim 13 , further comprising using a biometric device to acquire biometric information of the user, wherein said determining comprises confirming the identity of the user using the biometric information, and determining whether cash should be dispensed further based on whether the identity of the user is confirmed.
Claim 19
Dependent Claim
52 words
A method as recited in claim 14 , further comprising storing locally a database of biometric information on a plurality of users, wherein said confirming the identity of the user comprises using the database of biometric information and the acquired biometric information of the user to confirm the identity of the user.
Claim 20
Dependent Claim
54 words
A method as recited in claim 13 , wherein the database of payor information includes stored payor information for the payor of the check, the stored payor information including criteria of the payor of the check, wherein said determining comprises determining that the check should not be cashed if the criteria are not met.
Claim 21
Dependent Claim
78 words
A method as recited in claim 13 , wherein said determining comprises determining that the check should be cashed if: (a) the local database of biometric information includes stored biometric information for the user; (b) the stored biometric information corresponds to the acquired biometric information; (c) the local database of payor information includes stored payor information for the payor of the check; and (d) criteria in the stored payor information for the payor of the check are satisfied.
Claim 22
Independent Claim
105 words
An apparatus for dispensing cash in exchange for a negotiable instrument, the apparatus comprising: means for receiving information identifying a user; means for receiving the negotiable instrument; means for reading from the negotiable instrument, information identifying a payor of the negotiable instrument; means for storing a database of payor information locally at a cash dispensing location; means for determining whether cash should be dispensed based on the information identifying the user, the information identifying the payor of the negotiable instrument, and the database of payor information; and means for dispensing cash at the cash dispensing location in response to determining that cash should be dispensed.
Claim 23
Independent Claim
105 words
An apparatus for dispensing cash in exchange for a negotiable instrument, the apparatus comprising: means for receiving information identifying a user; means for receiving the negotiable instrument; means for reading from the negotiable instrument, information identifying a payor of the negotiable instrument; means for storing a database of payor information locally at a cash dispensing location; means for determining whether cash should be dispensed based on the information identifying the user, the information identifying the payor of the negotiable instrument, and the database of payor information; and means for dispensing cash at the cash dispensing location in response to determining that cash should be dispensed.
References Cited (Backward Citations)
US3564132A
Cited
US3588449A
Cited
US3675816A
Cited
US4025758A
Cited
US3718908A
Cited
US3896266A
Cited
US3798603A
Cited
US3705384A
Cited
US3914579A
Cited
US3833885A
Cited
US3876864A
Cited
US3937925A
Cited
US3970992A
Cited
US3943335A
Cited
US4187498A
Cited
US4109238A
Cited
US4100370A
Cited
US4249163A
Cited
US4205780A
Cited
US4264808A
Cited
US5408536A
Cited
US4321672A
Cited
US4317957A
Cited
US4357597A
Cited
US4461028A
Cited
US4404649B1
Cited
US4404649A
Cited
US4922419A
Cited
US4541057A
Cited
US4423318A
Cited
US4449189A
Cited
US4523330A
Cited
US4926480A
Cited
US4580040A
Cited
US4641239A
Cited
US4617457A
Cited
US4727243A
Cited
US5144680A
Cited
US4729128A
Cited
US4672377A
Cited
US4669487A
Cited
US4752676A
Cited
US5053607A
Cited
US4821118A
Cited
US4845636A
Cited
US4810866A
Cited
US4975969A
Cited
US4975978A
Cited
US4916435A
Cited
US5040226A
Cited
US5103079A
Cited
US4961142A
Cited
US4991008A
Cited
US5237620A
Cited
US5448471A
Cited
US5305196A
Cited
US5056147A
Cited
US5095194A
Cited
US5265008A
Cited
US4993068A
Cited
US5220501A
Cited
JPH03260763A
Cited
US5023782A
Cited
US5177342A
Cited
US5163094A
Cited
US5229764A
Cited
US5291560A
Cited
US5412190A
Cited
US5224173A
Cited
US5341428A
Cited
US5347580A
Cited
US5502774A
Cited
US5581630A
Cited
US5559504A
Cited
US5557686A
Cited
US5534682A
Cited
US5351303A
Cited
US5386103A
Cited
US5570465A
Cited
US5940811A
Cited
US5604802A
Cited
US5386104A
Cited
US5592377A
Cited
US5457747A
Cited
JPH07262291A
Cited
US5506691A
Cited
JPH07325359A
Cited
US5649117A
Cited
US5594806A
Cited
US5469506A
Cited
US5594226A
Cited
US5984366A
Cited
US5550359A
Cited
US5546471A
Cited
US5764789A
Cited
US5613012A
Cited
US5615277A
Cited
US5802199A
Cited
US5513272A
Cited
US5793027A
Cited
USPTO Annuity & Maintenance Windows
| Annuity Stage | Window Opens | Payment Deadline | Surcharge Period Until | Estimated Fee | Status |
|---|---|---|---|---|---|
| 3.5 Years (Year 4) | 2007-09-07 | 2008-03-08 | 2008-09-07 | $2000.00 | Window Closed / Lapsed |
| 7.5 Years (Year 8) | 2011-09-07 | 2012-03-08 | 2012-09-07 | $3760.00 | Window Closed / Lapsed |
| 11.5 Years (Year 12) | 2015-09-07 | 2016-03-08 | 2016-09-07 | $7700.00 | Window Closed / Lapsed |