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CA2337028C - Systeme automatise d'encaissement de documents - Google Patents

Systeme automatise d'encaissement de documents Download PDF

Info

Publication number
CA2337028C
CA2337028C CA2337028A CA2337028A CA2337028C CA 2337028 C CA2337028 C CA 2337028C CA 2337028 A CA2337028 A CA 2337028A CA 2337028 A CA2337028 A CA 2337028A CA 2337028 C CA2337028 C CA 2337028C
Authority
CA
Canada
Prior art keywords
user
cirs
check
amount
document
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Expired - Fee Related
Application number
CA2337028A
Other languages
English (en)
Other versions
CA2337028A1 (fr
Inventor
Robin Haley Gustin
Troy W. Livingston
Namsoo Park
Nabil Shekoory
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Capital Security Systems Inc
Original Assignee
Capital Security Systems Inc
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Capital Security Systems Inc filed Critical Capital Security Systems Inc
Publication of CA2337028A1 publication Critical patent/CA2337028A1/fr
Application granted granted Critical
Publication of CA2337028C publication Critical patent/CA2337028C/fr
Anticipated expiration legal-status Critical
Expired - Fee Related legal-status Critical Current

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G06Q20/042—Payment circuits characterized in that the payment protocol involves at least one cheque

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Engineering & Computer Science (AREA)
  • Theoretical Computer Science (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

La présente invention concerne un système automatisé d'encaissement de documents comportant une machine automatisé qui encaisse les documents de transactions monétaires, tels que les chèques et les mandats, et effectue des dépôts provisoires sur le compte bancaire de l'utilisateur après validation de sa part, ainsi qu'un document d'opération bancaire, sans l'aide d'un caissier de banque. La validation de l'identité de l'utilisateur s'effectue au moyen d'une carte associée aux renseignements identifiant l'utilisateur. En outre, on peut utiliser un dispositif biométrique pour identifier la validité de l'utilisateur. La validation du document en question implique une ou plusieurs de ces opérations: validation de la présence d'une signature; validation du montant du document de la transaction monétaire, notamment l'entrée manuelle du montant par l'utilisateur; validation CAR sur le LAR; et enfin, validation des paramètres et règles du système bancaire pour le client et/ou la transaction. En vue de faciliter l'analyse automatique des données relatives aux documents de transaction monétaire ou aux documents de versement, l'utilisateur est invité à fournir un cadre de délimitation sur les données. L'utilisateur peut effleurer un écran tactile à images pour localiser le cadre de délimitation, et il peut également agrandir les données pour remplir le cadre de délimitation et exclure d'autres données de cette analyse. Après validation du document et du client, ce système distribue l'argent ou transfère la somme d'argent sur un compte d'épargne, un compte chèques, une carte de crédit, ou analogue. Ce système est également capable de rédiger des mandats ou d'effectuer des transferts d'argent. En alimentant la machine en argent sous forme d'espèces, d'autorisation de carte de crédit, de solde de carte de crédit, ou autres, l'utilisateur peut payer ses factures, comme les factures de services publics par exemple, en utilisant ce système ou encore acheter des articles fournies par le système.
CA2337028A 1998-07-10 1999-07-08 Systeme automatise d'encaissement de documents Expired - Fee Related CA2337028C (fr)

Applications Claiming Priority (3)

Application Number Priority Date Filing Date Title
US11391398A 1998-07-10 1998-07-10
US09/113,913 1998-07-10
PCT/US1999/015446 WO2000005667A2 (fr) 1998-07-10 1999-07-08 Systeme automatise d'encaissement de documents

Publications (2)

Publication Number Publication Date
CA2337028A1 CA2337028A1 (fr) 2000-02-03
CA2337028C true CA2337028C (fr) 2012-09-18

Family

ID=22352276

Family Applications (1)

Application Number Title Priority Date Filing Date
CA2337028A Expired - Fee Related CA2337028C (fr) 1998-07-10 1999-07-08 Systeme automatise d'encaissement de documents

Country Status (4)

Country Link
EP (1) EP1095350A4 (fr)
AU (1) AU762137B2 (fr)
CA (1) CA2337028C (fr)
WO (1) WO2000005667A2 (fr)

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US8899476B2 (en) 1997-05-30 2014-12-02 Capital Security Systems, Inc. Automated document cashing system

Families Citing this family (10)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US6119106A (en) 1997-11-26 2000-09-12 Mersky; Randy Method and apparatus for facilitating customer payments to creditors from a remote site
US8261975B2 (en) 2001-03-07 2012-09-11 Diebold, Incorporated Automated banking machine that operates responsive to data bearing records
US7296003B2 (en) 2001-08-17 2007-11-13 Globex Financial Services, Inc. Method and apparatus for facilitating manual payments for transactions conducted over a network
US20060080198A1 (en) * 2004-09-28 2006-04-13 Doyle Brian J Cash transaction system
DE202009001095U1 (de) 2009-01-26 2010-03-11 Igv Institut Für Getreideverarbeitung Gmbh Verkapselte Wirkstoffe in bioaktiver Matrix
US8768038B1 (en) 2012-06-19 2014-07-01 Wells Fargo Bank, N.A. System and method for mobile check deposit
US10846667B1 (en) * 2013-10-01 2020-11-24 Wells Fargo Bank, N.A. System and method for mobile check deposit with restricted endorsement
CN106599570A (zh) * 2016-12-12 2017-04-26 嘉兴太美医疗科技有限公司 知情同意书核查方法
CN110288483B (zh) * 2019-05-22 2024-07-02 平安证券股份有限公司 账号开通方法、装置、设备及计算机可读存储介质
US11568382B1 (en) * 2021-07-28 2023-01-31 Visa International Service Association System and method for payment terminal optimization

Family Cites Families (10)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JPS5543138B1 (fr) * 1969-04-26 1980-11-05
US4023013A (en) * 1975-12-29 1977-05-10 Diebold, Incorporated On-line verification system for identification card or the like
US4134537A (en) * 1977-04-25 1979-01-16 Transaction Technology, Inc. Transaction terminal
US4617457A (en) * 1983-12-19 1986-10-14 Ncr Corporation Teller-assisted, customer-operated ATM document cashing system
US4729128A (en) * 1985-06-10 1988-03-01 Grimes Marvin G Personal identification card system
US5233547A (en) * 1991-11-12 1993-08-03 Ncr Corporation Electronic checking account apparatus and method having a digitizer to receive information as a check is being written
US5592377A (en) * 1993-12-18 1997-01-07 Lipkin; Edward B. Check cashing system
US5679938A (en) * 1994-12-02 1997-10-21 Telecheck International, Inc. Methods and systems for interactive check authorizations
WO1998007119A2 (fr) * 1996-08-09 1998-02-19 Unisys Corporation Machine de gestion de transaction a documents de transactions financieres
CA2292588C (fr) * 1997-05-30 2010-07-20 Capital Security Systems, Inc. Systeme automatise d'encaissement de documents

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US8899476B2 (en) 1997-05-30 2014-12-02 Capital Security Systems, Inc. Automated document cashing system
US9460426B2 (en) 1997-05-30 2016-10-04 Capital Security Systems, Inc. Automated document cashing system

Also Published As

Publication number Publication date
EP1095350A4 (fr) 2004-12-08
EP1095350A2 (fr) 2001-05-02
AU4867899A (en) 2000-02-14
CA2337028A1 (fr) 2000-02-03
WO2000005667A3 (fr) 2000-04-27
WO2000005667A2 (fr) 2000-02-03
AU762137B2 (en) 2003-06-19

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Effective date: 20140708