WO1994002902A1 - Procede et appareil ameliores de preparation de documents - Google Patents

Procede et appareil ameliores de preparation de documents Download PDF

Info

Publication number
WO1994002902A1
WO1994002902A1 PCT/US1993/006799 US9306799W WO9402902A1 WO 1994002902 A1 WO1994002902 A1 WO 1994002902A1 US 9306799 W US9306799 W US 9306799W WO 9402902 A1 WO9402902 A1 WO 9402902A1
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WO
WIPO (PCT)
Prior art keywords
information
check
customer
machine readable
recited
Prior art date
Application number
PCT/US1993/006799
Other languages
English (en)
Inventor
Sadha Moodley
Original Assignee
Shakti Science And Engineering, 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 Shakti Science And Engineering, Inc. filed Critical Shakti Science And Engineering, Inc.
Publication of WO1994002902A1 publication Critical patent/WO1994002902A1/fr

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Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K17/00—Methods or arrangements for effecting co-operative working between equipments covered by two or more of main groups G06K1/00 - G06K15/00, e.g. automatic card files incorporating conveying and reading operations
    • B—PERFORMING OPERATIONS; TRANSPORTING
    • B42—BOOKBINDING; ALBUMS; FILES; SPECIAL PRINTED MATTER
    • B42D—BOOKS; BOOK COVERS; LOOSE LEAVES; PRINTED MATTER CHARACTERISED BY IDENTIFICATION OR SECURITY FEATURES; PRINTED MATTER OF SPECIAL FORMAT OR STYLE NOT OTHERWISE PROVIDED FOR; DEVICES FOR USE THEREWITH AND NOT OTHERWISE PROVIDED FOR; MOVABLE-STRIP WRITING OR READING APPARATUS
    • B42D25/00—Information-bearing cards or sheet-like structures characterised by identification or security features; Manufacture thereof
    • B42D25/20—Information-bearing cards or sheet-like structures characterised by identification or security features; Manufacture thereof characterised by a particular use or purpose
    • B42D25/29—Securities; Bank notes
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07C—TIME OR ATTENDANCE REGISTERS; REGISTERING OR INDICATING THE WORKING OF MACHINES; GENERATING RANDOM NUMBERS; VOTING OR LOTTERY APPARATUS; ARRANGEMENTS, SYSTEMS OR APPARATUS FOR CHECKING NOT PROVIDED FOR ELSEWHERE
    • G07C9/00—Individual registration on entry or exit
    • G07C9/30—Individual registration on entry or exit not involving the use of a pass
    • G07C9/32—Individual registration on entry or exit not involving the use of a pass in combination with an identity check
    • G07C9/35—Individual registration on entry or exit not involving the use of a pass in combination with an identity check by means of a handwritten signature

Definitions

  • This invention generally relates to the preparation of documents requiring authentication and more particularly to a method and apparatus for preparing checks, drafts and related documents in an improved manner.
  • Bank checks usually include the name of the bank, the customer's name, address and account number, and in some cases, a check number in both forms.
  • the customer then adds, in handwritten form, a date, a payee, the amount of the check in numeric and alphabetic form and a signature. After the payee deposits this check, it is processed at a check clearing facility to effect the appropriate transfers between accounts.
  • a particular clearing facility may handle hundreds of thousands or even millions of checks each day. Consequently, these facilities rely on automated processing to read machine-readable codes. However, important information such as the check amount is not present on the check in machine-readable form when it reaches the clearing facility. It has been propo ⁇ to use other optical ,character recognition equipment to read hand-written amounts on the check to generate a machine- readable code that can then be applied to the check in machine-readable form for subsequent processing.
  • Banks also have concerns with improper signatures on a check. There is no ready way of authenticating any signature automatically. Authentication can only occur by visually comparing a signature on a check with a signature on file. Normally, however, the facility is at a remote location from the bank where the authentication signature is stored. Even if the signatures were at a common site, the costs of visually comparing signatures is prohibitive, even on a sampled basis. Consequently, there is essentially no effort to verify the authenticity of any signature during the clearing process.
  • United States Letters Patent 4,623,965 to Wing discloses a pocket-sized check writing apparatus with a liquid crystal display, a keyboard for entering data into a microprocessor and a removable cartridge for blank checks. This apparatus prints the check amount, payee, date and other memo information onto the check in a visually recognized form only.
  • United States Letters Patent 4,455,100 to Bauer discloses a portable check writing apparatus with mosaic printing heads independently controllable and disposed at fixed locations that correspond to area for printing on the check. A keyboard and display screen enable an individual to operate the system. This apparatus is adapted to operate only after a card that bears a user- specific PIN (Personal Identification Number) is inserted into and recognized by the apparatus.
  • United States Letters Patent 4,222,109 to Suwila discloses a portable electronic checkbook that enables an individual to enter check amounts using a keyboard and display screen. Although this apparatus maintain an account balance electronically, all checks are handwritten.
  • Horst United States Letters Patent 4,672,377 discloses a check verification system adapted for use in supermarkets.
  • the system has an entrance station and a cash register station.
  • a customer enters a Personal Identification Number and inserts a blank check into the entrance station.
  • the system then accesses a database that reveals the consumer's credit status and thereafter prints a unique number on the customer's check in both machine- readable and visually recognized forms.
  • Apparatus at the cash register scans this code and authorizes the receipt of the check.
  • the apparatus at the cash register can verify the check amount and then print the actual amount due onto the check in visually recognized and machine-readable form.
  • United States Letters Patent 4,786,789 discloses an apparatus and method for reading and printing magnetic ink on checks. This apparatus is typically stationed at a vendor's business and prints an amount, the payee, the date and an endorsement on the customer's check in machine-readable form.
  • United States Letters Patent 4,385,285 to Horst discloses a check issuing machine activated when a customer enters a written signature and account number. This apparatus evaluates the signature to determine whether the signature is authorized and to order a withdrawal of funds from the entered account number. If that account number is approved, the apparatus issues a guaranteed check with the amount, the account number and other information printed thereon in alphanumeric characters and in machine-readable form.
  • Another object of this invention is to provide a check form and apparatus for preparing that form that produces a check with information in visually recognized form and machine-readable form.
  • Yet another object of this invention is to provide apparatus for preparing a check form that is portable and easy to use.
  • Yet still another object of this invention is to provide a check form and simple portable apparatus for preparing that form with information in visually recognized and machine-readable forms thereby to minimize processing costs at a central processing facility.
  • a check is preprinted in visually recognized form and machine- readable form with certain information such as bank identification and customer account number.
  • the customer uses the apparatus of this invention to identify a payee, an amount and signature authentication information into the apparatus.
  • the apparatus then prints all this information onto the check in both visually recognized and machine-readable forms. Consequently, the check, on signature, is fully negotiable and fully prepared for processing at a clearing facility.
  • FIG. 1 depicts a check form constructed in accordance with this invention
  • Fig. 2 is a schematic of apparatus for use in practicing this invention.
  • Fig. 3 depicts the check form of Fig. 1 after it has been printed by the apparatus in Fig. 2.
  • a blank check constructed in accordance with this invention contains certain information in both visually recognized and machine-readable form.
  • Fig. 1 discloses such a check 10 in blank that includes the name and address of the account holder at a location 11, a check number at a location 12 and a number of other areas into which the customer inserts information.
  • the blank check 10 includes an area 13 for storing information in machine-readable form.
  • machine-readable form it is intended to mean a form in which the data is recorded magnetically on a strip, or visually in either conventional optical character codes or bar codes or otherwise.
  • the blank check 10 will include in the block 13 a bank identification section 14 and an account identification section 15 and may include a check number 16 if the check numbers are preprinted at location 12.
  • the customer is to supply a date at a date location 20, the name of a payee at a payee line 21, a numeric representation of the check amount at location 22 and an alphabetic designation of the payment amount at location 23.
  • the check also includes a signature line 24 and an optional memorandum line 25.
  • the apparatus of Fig. 2 When the customer utilizes the apparatus of Fig. 2, the customer will provide information that allows the apparatus to complete the check 10.
  • the apparatus of Fig. 2, as will be described, for example will print on the check in visually recognized form the month, day and year, designated ⁇ month ⁇ , ⁇ day ⁇ and ⁇ year ⁇ at location 20.
  • the payee line 21 will contain the name of the payee, designated " ⁇ payee ⁇ ” in Fig. 3, at location 21.
  • the amount block will appear in numeric form as " ⁇ amount ⁇ " at location 22 and as " ⁇ amount-written ⁇ at location 23.
  • the signature line 24 will contain the customer's signature, designated " ⁇ signature ⁇ " in Fig. 2.
  • the apparatus of Fig. 2 In addition the apparatus of Fig.
  • Fig. 2 depicts a block diagram of apparatus 40 for printing a blank check having the form of Fig. 1 and producing a completed check having the form of Fig. 3.
  • the check printing apparatus 40 includes a plurality of input devices 41, input/output devices 42 and output devices 43, all operated under the control of a central processing unit 44 in response to programs stored in a memory 45.
  • the basic input device is an input keyboard 50 that connects to the central processor unit 44.
  • a customer receives visual feedback of his or her actions at a visual display 51 that can comprise a liquid crystal or similar display. Presentations at the visual display 51 are under control of the central processing unit 44 so that the programs in the memory 45 can prompt the customer for particular information in menu-like or structured question-and-answer-1ike formats.
  • the central processing unit - 4 can transfer a prompt to the visual display 51 requesting the user to enter a password. After the user enters the password through the input keyboard 50, the central processing unit 44 and memory 45 determine whether the password is appropriate. If it is, another prompt issues to the visual display 51 allowing the customer to select any of several procedures from a menu.
  • the customer could select a process for preparing a check through the input keyboard 50. Then the central processing unit 44 would react by requesting the name of the payee. As the name is presented through the input keyboard 50, the central processing unit 44 would display the results in the visual display 51 to permit the customer to verify the entry. Next the apparatus could request the date and the amount in sequence. If any changes were required, an editing program could allow the customer to provide that change. However, once the transaction was properly noted and verified, the central processing unit 44 could print a check. More specifically, the central processing unit 44 activates a check printer 52 and a check cartridge 53 thereby to supply a check in the form shown in Fig. 1 to the printer 52. In Fig.
  • the check printer 52 is represented as having two printing heads PTR-A 54 and PTR- B 55.
  • the PTR-A printing head 54 functionally represents apparatus for printing information on the check in visually recognized form.
  • the PTR-B printing head 55 functionally represents apparatus for applying the related information on to the check in machine-readable form. If it is possible to recognize the machine-readable form visually, the functions might be combined in a single head.
  • An encoder 56 may be included intermediate the central processing unit 44 and the check printer 52. This represents either conventional circuitry for converting ASCII or other characters in standard format into a printed format of particular characters. Alternatively, it can include an encryption capability. When the check printer 52 provides the information in an optically recognized form, the personal identification number needs to be encrypted. Either the central processing unit 44 or encoder 56 can be selected to provide such encryption. The encryption may be standard or may be based on other information on the check. Such encryption procedures are well known in the art.
  • the memory 45 can contain additional information relating to balances and accounts for bookkeeping purposes. When that situation exists, it is possible to modify the program described above so that the central processing unit 44 requests an account number. If the checking account balance is available, the central processing unit 44 can also determine whether the entered amount will produce an overdraft and allow the customer to determine whether to proceed.
  • Fig. 2 also discloses, as a dashed box, an optional optical scanner 60 as another input device 41.
  • the central processing unit 44 prompts the customer, through the visual display 51, to scan an invoice the includes invoicing information in machine readable form. Encoded invoices include the name of the payee, invoice and account number information, outstanding balance information and a customer identification in the code.
  • the central processing unit 44 can then display all the information on the visual display 51 and enable the customer to determine if all the information is correct.
  • An editing program then allows the customer to change any information including the amount. Once the information is verified, the customer instructs the central processing unit 44 through the input keyboard 50 to print a check.
  • the use of the optional scanner on invoices of this type greatly facilitates the ease and speed with which a check can be prepared.
  • Fig. 2 discloses, as another optional input/output device 42, a modulator-demodulator (MODEM) 61 for enabling the apparatus in Fig. 2 to communicate over telephone lines or the like with other data processing systems.
  • a modem 61 allows a customer to receive information from various sources. For example, it would be possible to dial a number on that customer's bank and obtain a list of canceled checks. It is also possible to use the modem to communicate directly with other individual's who have similar systems. For example, the customer could establish communications with a vendor and receive all the information that would otherwise appear in an invoice over the telephone lines and immediately produce a check in the form of Fig. 3.
  • apparatus including a modem 61 can also be used to transfer funds telephonically.
  • a customer obtains payment information from the input keyboard 50, the scanner 60, the modem 61 or other input/output device 62.
  • the customer again through a series of prompting messages at the visual display 51, uses the input keyboard 50 to initiate a transfer of information, including some authorization information such as a personal identification number and/or password protocol, to the funds transfer facility for immediate credit to a third party's account or other purpose.
  • the apparatus 40 in Fig. 2 could also produce a receipt at the check printer 52 having the same form as a check in Figs.
  • the apparatus in Fig. 2 also has the capability for transferring such information directly to the third party for forming a check having the customer's account information, again in both visually recognized and machine-readable form, added to a blank check form.
  • the form in Figs. 1 and 3 could be modified to leave the account information, for example, blank, such that the receiving apparatus 40 could supply that information on the check.
  • the apparatus may also include other input and/or output devices 62, such as a credit or debit card reader.
  • a vendor who accepts credit cards could produce a credit card receipt using the customer's credit card that would include the vendor's name, type of transaction, amount of -li ⁇ the transaction and date all encoded in the form of a bar code that could then be scanned into the system by a user. This would also tend to minimize credit card fraud because any difference between the account number and the authentication code on the credit card receipt would be readily detected.
  • the check, credit card receipt or other document includes first information supplied by one party such as a bank in both visually recognized and machine- readable form.
  • the apparatus enables a customer to supply additional information, again in both visually recognized and machine-readable forms.
  • This information can be printed directly on the check or encoded magnetically and provides a document that is ready for processing by automated processing equipment without requiring manual processing input.
  • a signature identification code is placed on the document along with the signature, the possibility of payments being made on checks with improper signatures signed is greatly reduced.
  • the use of apparatus with scanners and modems and other input/output devices further expands the overall flexibility of the system to operate with a wide variety of transactions.

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

Abstract

Un appareil (40) et une formule de chèque facilitent le traitement des chèques bancaires et autres documents analogues. Un chèque non rempli comporte des cases réservées à des informations se présentant sous deux formes, une visuellement reconnaissable et une lisible par machine. Certaines de ces informations, telles l'identification de la banque et du compte, peuvent être pré-imprimées. Le client ajoute d'autres informations comme le montant du chèque, l'identification du bénéficiaire, et sa signature. L'appareil (40) reçoit ces informations (50, 60, 61, 62) et imprime (52, 54, 55) les informations correspondantes sur le chèque (53) à la fois sous forme visuellement reconnaissable et sous forme lisible par machine. Lorsqu'il est émis, le chèque présente alors toutes les informations importantes sous une forme lisible par machine.
PCT/US1993/006799 1992-07-15 1993-07-14 Procede et appareil ameliores de preparation de documents WO1994002902A1 (fr)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US91497192A 1992-07-15 1992-07-15
US07/914,971 1992-07-15

Publications (1)

Publication Number Publication Date
WO1994002902A1 true WO1994002902A1 (fr) 1994-02-03

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Application Number Title Priority Date Filing Date
PCT/US1993/006799 WO1994002902A1 (fr) 1992-07-15 1993-07-14 Procede et appareil ameliores de preparation de documents

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WO (1) WO1994002902A1 (fr)

Citations (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US3531628A (en) * 1967-05-25 1970-09-29 George C White Jr Machine readable documents
US4385285A (en) * 1981-04-02 1983-05-24 Ncr Corporation Check dispensing terminal
US4588211A (en) * 1983-11-17 1986-05-13 Greene Edwin B Machine readable document
US4623965A (en) * 1984-02-27 1986-11-18 Wing Donald K Electronic checkbook
US4672377A (en) * 1985-09-09 1987-06-09 Murphy Arthur J Check authorization system
US5016919A (en) * 1989-03-10 1991-05-21 Frank Rotondo Check and magnetic strip arrangement

Patent Citations (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US3531628A (en) * 1967-05-25 1970-09-29 George C White Jr Machine readable documents
US4385285A (en) * 1981-04-02 1983-05-24 Ncr Corporation Check dispensing terminal
US4588211A (en) * 1983-11-17 1986-05-13 Greene Edwin B Machine readable document
US4623965A (en) * 1984-02-27 1986-11-18 Wing Donald K Electronic checkbook
US4672377A (en) * 1985-09-09 1987-06-09 Murphy Arthur J Check authorization system
US5016919A (en) * 1989-03-10 1991-05-21 Frank Rotondo Check and magnetic strip arrangement

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