Patent application number | Description | Published |
20090266879 | AUTOMATED BANKING SYSTEM FOR DISPENSING MONEY ORDERS, WIRE TRANSFER AND BILL PAYMENT - A method and apparatus are provided for conducting transactions through a financial network using a document such as a check or money order at an unattended automated machine. For security purposes a signature detector detects the signature and the user uses a card to operate the machine. A reader reads the amount on the document; and, for a check, the LAR and CAR amounts are compared. If the document is a money order, the user may be prompted to endorse the money order if the signature detector fails to detect a signature. A card writer writes an amount on the card related to the amount of the transaction being done and a calculator calculates the amount to be written on the card and subtracts a user's service charge. A bill may be paid and a receipt generator will provide a receipt preferably showing payment of the bill and the service charge. If the check or money order is for an amount greater than the bill and service charge amounts, the card writer may write the difference on the card. A portion of the check or money order may also be deposited in the user's account. A cash acceptor in the machine accepts cash and a cash dispenser may dispense cash. | 10-29-2009 |
20090266880 | AUTOMATED BANKING SYSTEM FOR DISPENSING MONEY ORDERS, WIRE TRANSFER AND BILL PAYMENT - A method and apparatus are provided for conducting transactions through a financial network using a document such as a check or money order at an unattended automated machine. For security purposes a signature detector detects the signature and the user uses a card to operate the machine. A reader reads the amount on the document; and, for a check, the LAR and CAR amounts are compared. If the document is a money order, the user may be prompted to endorse the money order if the signature detector fails to detect a signature. A card writer writes an amount on the card related to the amount of the transaction being done and a calculator calculates the amount to be written on the card and subtracts a user's service charge. A bill may be paid and a receipt generator will provide a receipt preferably showing payment of the bill and the service charge. If the check or money order is for an amount greater than the bill and service charge amounts, the card writer may write the difference on the card. A portion of the check or money order may also be deposited in the user's account. A cash acceptor in the machine accepts cash and a cash dispenser may dispense cash. | 10-29-2009 |
20100102119 | AUTOMATED DOCUMENT CASHING SYSTEM - Validation of the identity of the user is performed with the use of a card associated with intelligence that identifies the user. Validation of the document involves one or more of: validating the presence of a signature; validating the amount of the monetary transaction document including a manual entry of the amount by the user; validating CAR against the LAR; and validating the banking system parameters and rules for the customer and/or the transaction. To assist in the automatic analysis of data on monetary transactional documents or on remittance documents, the user is prompted to provide a bounding box about the data. An image touch screen may be touched by the user to locate the bounding box and the user may magnify the data to fill the boundary box to exclude other data from analysis. After document and person validation, the system will dispense money or transfer monies to a savings account, a checking account, a smart card, or the like. The system will also write money orders or wire transfer money. | 04-29-2010 |
20100114765 | AUTOMATED DOCUMENT CASHING SYSTEM - Validation of the identity of the user is performed with the use of a card associated with intelligence that identifies the user. Validation of the document involves one or more of: validating the presence of a signature; validating the amount of the monetary transaction document including a manual entry of the amount by the user; validating CAR against the LAR; and validating the banking system parameters and rules for the customer and/or the transaction. To assist in the automatic analysis of data on monetary transactional documents or on remittance documents, the user is prompted to provide a bounding box about the data. An image touch screen may be touched by the user to locate the bounding box and the user may magnify the data to fill the boundary box to exclude other data from analysis. After document and person validation, the system will dispense money or transfer monies to a savings account, a checking account, a smart card, or the like. The system will also write money orders or wire transfer money. | 05-06-2010 |
20100114766 | AUTOMATED DOCUMENT CASHING SYSTEM - Validation of the identity of the user is performed with the use of a card associated with intelligence that identifies the user. Validation of the document involves one or more of: validating the presence of a signature; validating the amount of the monetary transaction document including a manual entry of the amount by the user; validating CAR against the LAR; and validating the banking system parameters and rules for the customer and/or the transaction. To assist in the automatic analysis of data on monetary transactional documents or on remittance documents, the user is prompted to provide a bounding box about the data. An image touch screen may be touched by the user to locate the bounding box and the user may magnify the data to fill the boundary box to exclude other data from analysis. After document and person validation, the system will dispense money or transfer monies to a savings account, a checking account, a smart card, or the like. The system will also write money orders or wire transfer money. | 05-06-2010 |
20100114771 | AUTOMATED DOCUMENT CASHING SYSTEM - Validation of the identity of the user is performed with the use of a card associated with intelligence that identifies the user. Validation of the document involves one or more of: validating the presence of a signature; validating the amount of the monetary transaction document including a manual entry of the amount by the user; validating CAR against the LAR; and validating the banking system parameters and rules for the customer and/or the transaction. To assist in the automatic analysis of data on monetary transactional documents or on remittance documents, the user is prompted to provide a bounding box about the data. An image touch screen may be touched by the user to locate the bounding box and the user may magnify the data to fill the boundary box to exclude other data from analysis. After document and person validation, the system will dispense money or transfer monies to a savings account, a checking account, a smart card, or the like. The system will also write money orders or wire transfer money. | 05-06-2010 |
20100114772 | AUTOMATED DOCUMENT CASHING SYSTEM - Validation of the identity of the user is performed with the use of a card associated with intelligence that identifies the user. Validation of the document involves one or more of: validating the presence of a signature; validating the amount of the monetary transaction document including a manual entry of the amount by the user; validating CAR against the LAR; and validating the banking system parameters and rules for the customer and/or the transaction. To assist in the automatic analysis of data on monetary transactional documents or on remittance documents, the user is prompted to provide a bounding box about the data. An image touch screen may be touched by the user to locate the bounding box and the user may magnify the data to fill the boundary box to exclude other data from analysis. After document and person validation, the system will dispense money or transfer monies to a savings account, a checking account, a smart card, or the like. The system will also write money orders or wire transfer money. | 05-06-2010 |
20130062406 | AUTOMATED DOCUMENT CASHING SYSTEM - Validation of the identity of the user is performed with the use of a card associated with intelligence that identifies the user. Validation of the document involves one or more of: validating the presence of a signature; validating the amount of the monetary transaction document including a manual entry of the amount by the user; validating CAR against the LAR; and validating the banking system parameters and rules for the customer and/or the transaction. To assist in the automatic analysis of data on monetary transactional documents or on remittance documents, the user is prompted to provide a bounding box about the data. An image touch screen may be touched by the user to locate the bounding box and the user may magnify the data to fill the boundary box to exclude other data from analysis. After document and person validation, the system will dispense money or transfer monies to a savings account, a checking account, a smart card, or the like. The system will also write money orders or wire transfer money. | 03-14-2013 |
20150058217 | Automated Document Cashing System - Validation of the identity of the user is performed with the use of a card associated with intelligence that identifies the user. Validation of the document involves one or more of: validating the presence of a signature; validating the amount of the monetary transaction document including a manual entry of the amount by the user; validating CAR against the LAR; and validating the banking system parameters and rules for the customer and/or the transaction. To assist in the automatic analysis of data on monetary transactional documents or on remittance documents, the user is prompted to provide a bounding box about the data. An image touch screen may be touched by the user to locate the bounding box and the user may magnify the data to fill the boundary box to exclude other data from analysis. After document and person validation, the system will dispense money or transfer monies to a savings account, a checking account, a smart card, or the like. The system will also write money orders or wire transfer money. | 02-26-2015 |