Method and apparatus for depositing ordinary checks from home or office
US6450403B1 · kind B1 · utility
Assignee
Inventors
Key dates
| Filing date | Nov 21, 2001 |
| Grant date | Sep 17, 2002 |
| Priority date | — |
| Expiry date | Nov 21, 2021 |
Classification
- Technology area (CPC G)Physics
- CPC primaryG06Q20/042
- WIPO fieldIT methods for management
- WIPO sectorElectrical engineering
Abstract
An apparatus and method allow to deposit ordinary checks from home or office. A special scanner is used to scan an endorsed check for deposit. The check may have printed thereon encryptions in at least selected locations. Scanning the endorsed check with the scanner to generates a digitized version of the check. The scanner virtually partitions the digitized version of the check into a plurality of regions. These regions may be stripes or zones. Each region is successively examined to extract from the digitized version of the check information from that region. The information extracted from a region is encrypted and transmitted to a bank. Upon acknowledgment from the bank, at least some of the regions of the plurality of regions voided by a form of indelible but non-invasive (e.g. allowing reading after voiding) marking such as punched holes, burned areas, overprinting of a pattern. The processing by the scanner continues until all regions have been processed. This progressively voiding scheme is an important security feature of the invention. The scanner is preferably contained in a secure housing with an encryption processor and the housing preferably includes an arrangement for…
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.