WO1995010088A1 - Dispositif et procede d'augmentation de l'investissement et de la participation des petits investisseurs a des comptes d'epargne - Google Patents

Dispositif et procede d'augmentation de l'investissement et de la participation des petits investisseurs a des comptes d'epargne Download PDF

Info

Publication number
WO1995010088A1
WO1995010088A1 PCT/US1993/009462 US9309462W WO9510088A1 WO 1995010088 A1 WO1995010088 A1 WO 1995010088A1 US 9309462 W US9309462 W US 9309462W WO 9510088 A1 WO9510088 A1 WO 9510088A1
Authority
WO
WIPO (PCT)
Prior art keywords
cash
depositor
identification
operatively associated
value
Prior art date
Application number
PCT/US1993/009462
Other languages
English (en)
Inventor
Lucien Henochowicz
James A. Humphrey
Original Assignee
U.S.A. Save Corporation
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
Priority to US07/743,266 priority Critical patent/US5252811A/en
Priority claimed from US07/743,266 external-priority patent/US5252811A/en
Application filed by U.S.A. Save Corporation filed Critical U.S.A. Save Corporation
Priority to PCT/US1993/009462 priority patent/WO1995010088A1/fr
Priority to AU53519/94A priority patent/AU5351994A/en
Publication of WO1995010088A1 publication Critical patent/WO1995010088A1/fr

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F17/00—Coin-freed apparatus for hiring articles; Coin-freed facilities or services
    • G07F17/0014—Coin-freed apparatus for hiring articles; Coin-freed facilities or services for vending, access and use of specific services not covered anywhere else in G07F17/00
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
    • G07F19/20—Automatic teller machines [ATMs]
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
    • G07F19/20—Automatic teller machines [ATMs]
    • G07F19/202—Depositing operations within ATMs
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
    • G07F19/20—Automatic teller machines [ATMs]
    • G07F19/211—Software architecture within ATMs or in relation to the ATM network
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07G—REGISTERING THE RECEIPT OF CASH, VALUABLES, OR TOKENS
    • G07G1/00—Cash registers

Definitions

  • the present invention relates to a system method, device and apparatus for encouraging the participation of small investors in savings accounts and investment accounts, particularly, this invention relates to coin and currency counting bank machines at which small amounts of coins and paper currency can be deposited for collection and for automatic accounting, recordation of deposited amount, periodic collection and investment in interest-bearing savings accounts or bonds on behalf of the small investor/depositor.
  • Coins and other small denomination currency are collected in numerous households in jars, piggy banks, drawers, coin trays and the like, which money is seldom collected, counted and placed in savings institutions or investment securities. These small denominations are often in the hands of young people, and the amount is not independently sufficient to provide for the purchase of a savings bond, or a quantity of stocks, or other investment vehicle. Often, the minimum required even for opening a savings account can be significantly larger than the amount of money in these small stashes of coin and low denomination currency.
  • FIGURE 3 is a schematic block diagram of the field- based electronic savings machine.
  • FIGURE 1 is a schematic depiction of the inventive, automated cash saving system 10 in which multiple electronic field-based saving machines 12 are schematically depicted, numbering 1, 2, 3, 4 ... N, with each electronic machine 12 providing similar automatic cash collection and information gathering and transmission function, as will be described more fully below with reference to FIGURES 2 and 3.
  • the information collected by the machine is represented by data line 14. Basically, this information will include information on the amount of money deposited, the identification of the depositor, or the depositor's account to which the deposit is to be credited. Other information, such as location of the machine, date and time, can also be included within the information collected, schematically represented as data line 14.
  • Such optional transmission means may include the physical transmission or the physical carrying of a data computer storage disk for a low-end or low-cost electronic savings machine which may be established in location where low traffic might be expected, but nevertheless is helpful for convenient access for the types of small investors for which the system is designed.
  • Land lines 22 might also be used to transmit data.
  • Other transmission means including low orbit satellite transmission 24, such as a iridium SAT system, or even a high orbit satellite 26, such as a geostationary satellite as a COMSAT satellite system.
  • the money collection function 28, schematically represented by box 28, would be done, for example, by a courier 30, which courier 30 would also collect the data disk from electronic savings machines in which more sophisticated radio or satellite transmission systems could not be economically justified based upon the volume of collections being made at any such field-based electronic savings machines.
  • a courier 30 which courier 30 would also collect the data disk from electronic savings machines in which more sophisticated radio or satellite transmission systems could not be economically justified based upon the volume of collections being made at any such field-based electronic savings machines.
  • hard currency or bills were collected, they would be deposited, as for example by multiple couriers each having separate collection routes, to a money collection and physical data exchange location 28 at which money collection and physical data exchange location the appropriate information on the amounts collected as well as the data as to the depositors could be forwarded to the central computer system.
  • the money collection expected to be handled at money collection station 28 would be on an area-by-area basis, each of which areas could be serviced by multiple field-based electronic savings machines.
  • Each money collection site would also have access to banks for depositing the hard currency into the Federal Banking System.
  • the central computer would receive all input information and would track the amount of money being deposited by each depositor or with respect to each particular identified account.
  • the central computer system would conduct various steps with the information collected, including running a continuous tally or total of the investments having been made over a period of time by each independent depositor.
  • Various types of securities or a minimum investment amount would be determined and advise, as by a letter notice to a depositor, would be generated at a threshold level for the particular security or investment device for which the system is anticipated.
  • an order Upon receipt of authorization from the depositor, an order would be placed for the purchase of a security or other investment instrument and the security or investment instrument would then be forwarded to the individual depositor.
  • FIGURE 2 is a front plan view with a partial cutaway showing the schematic depiction of internal components of an automated electronic savings machine 40.
  • a cash/coin depository 42 is provided which may include a large receptacle having a funneling device so that the coins can be easily received into the cash collection machine for further processing.
  • a cash bill depository 44 would be provided by which bills of various denominations, including one dollar bills, could be inserted into the electronic cash collection machine.
  • An identification means such as an identification keypad 46, or an identification card input 48, which may be of the type designed for accepting electronic credit cards or magnetic strip type credit cards used to identify the depositor or the account to which money being deposited is to be credited.
  • an identification display means 50 would be provided, such as a liquid crystal display (LCD), or other acceptable display.
  • LCD liquid crystal display
  • CRT cathode ray tube
  • the electronic cash collection machine 40 will be provided with a locked collection access means 54, schematically depicted as a key lock, it being understood that other security locking devices may also be employed, as may be appropriate for retrieving the deposited cash from the cash collection machine.
  • a locked collection access means 54 schematically depicted as a key lock, it being understood that other security locking devices may also be employed, as may be appropriate for retrieving the deposited cash from the cash collection machine.
  • Each of the information input machines including keypad 46 and credit card reader 48 will communicate with an onsite information processor 56, as for example via communication lines 47 and 49, respectively.
  • Information processor 56 will also communicate to output information means including the identification display 50 via line 51 and receipt generator 52 via information transmission line 53.
  • the onsite information processor 56 may be a small microprocessor or may, for example, as shown schematically be a plug-in computer card 58.
  • the circuitry inside the cash collection machine would also transmit the data from the onsite information processor via internal communication line 61 to a data transmission means 60, which data transmission means 60 may be any of the optional for generating a transmission signal compatible with any of the data transmission options 18, as in FIGURE 1.
  • a data collection means 62 such as a magnetic computer disk drive to which the information processor can feed the data which is to be transmitted to the central computer system 16 (as shown in FIGURE 1).
  • a coin sorter 64 receives the coins to sort them into various coin denominations and the coins are counted with coin counter 66. The coins, thus sorted and counted, will be collected in coin collection means 68 and the electronic coin value information from the coin counter 66 be transmitted to the information processor via information line 70.
  • the bills will be sorted at bill sorter 72, which is operably connected to bill counter 74 so that they can subsequently be collected in the collection means 76.
  • the electronic information indicating the value of the bills so deposited would be transmitted via communication line 78 to the information processor.
  • the processor would coordinate the information regarding the amount and value of the coins and/or bills collected and would transmit this information via information line 61 for subsequent data transmission at data transmission means 60.
  • the bill input 44 provides information to the bill sorter 72, which provides further information to the bill counter 74. This information is provided to the onsite processor 66 via communication line 78. Updated information can be provided from the onsite processor 56 to the coin sorter, verifier or counter through feedback line 98.
  • identification means such as credit card identification input 48 or alphanumeric keypad 46 provide information to the onsite processor 56 along information transmission line 49 with respect to credit card input 48 or along information transmission line 47 with respect to alphanumeric keypad 46.
  • Both input identifiers can be used and, in the preferred embodiment, both would be available for the convenience of the depositor.
  • other identifier input means as might be equivalent could also be used, which provide accurate and easy input of depositor's identification or account identification.
  • the processor would be powered by a power supply 110, which may, for example be a standard 120 volts AC power supply connection. Other alternative power supplies at remote locations or in foreign countries might also be provided.
  • the power supply would power all of the devices, including the onsite processor and the various coin input, bill input, credit card read and alphanumeric keypads.
  • the LCD readout 50 which receives its information for presenting the readout along communication line 51 would be powered with the connections to the power supply.
  • the receipt printer 52 which receives data for printing out the receipt along data line 53 will be appropriately powered, as required, from the power supply. Individual connections to each required power device are designated schematically with arrows 112.
  • the onsite processor 56 is provided with memory 120 with memory communication lines 121 and 122 for the interchange of information with the onsite processor 56.
  • Additional memory storage is in the form of a removable storage 124.
  • This removable storage 124 communicates with the onsite processor 56 via communication lines 123 and 125.
  • the removable storage advantageously provides means for conveniently updating the onsite processor memory or storage or processes and may also be used to collect certain designated information for transport back to the central processor.
  • a data link modulator and encryption means 130 receives and communicates information along lines 131 and 132 with the onsite processor.
  • the type of modulation and encryption to be performed by device 133 at any given electronic savings machine location can be programmed from the onsite pro.cessor via a key 134.
  • the information required for such a key may be periodically input to the onsite processor via the removable storage memory 124.
  • a data disk device 140 may require the receipt of information in standard ASCII or other computer language format or other computer language magnetic recordation for input onto magnetic storage disks. These data storage disks could then be collected and carried to the central computer system to a physical data exchange for input into the central computer system.
  • telephone land line system 142 may be employed in which the information is converted into tones, as by a modem for transmission over telephone land lines.
  • the data link modulator 131 may also be programmed to encrypt the information for transmission via radio frequency data link, such as a geostationary high orbit satellite system 144. Further, the information may be transmitted via an iridium radio frequency link 146, where such low orbit satellite systems might be conveniently available.
  • radio frequency data link such as a geostationary high orbit satellite system 144.
  • the information may be transmitted via an iridium radio frequency link 146, where such low orbit satellite systems might be conveniently available.

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  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • General Physics & Mathematics (AREA)
  • Physics & Mathematics (AREA)
  • Finance (AREA)
  • Engineering & Computer Science (AREA)
  • General Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Strategic Management (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Software Systems (AREA)
  • Technology Law (AREA)
  • Marketing (AREA)
  • Control Of Vending Devices And Auxiliary Devices For Vending Devices (AREA)

Abstract

L'invention concerne un système automatique (10) de collecte d'épargne en espèces comprenant une pluralité de machines (12) distantes de collecte d'épargne en espèces et destinées à recevoir automatiquement des dépôts d'espèces en faible quantité provenant de déposants multiples, à compter les espèces déposées par chacun des déposants, à créditer des comptes d'épargne individuels dont sont titulaires les déposants d'une valeur d'espèces comptabilisées, et à coder électroniquement les valeurs ainsi que les comptes sur lesquels sont créditées les espèces. Le système comprend également des émetteurs émettant vers des machines distantes multiples de collectes d'épargne en espèces, lesquels transmettent les informations codées électroniquement à un processeur central (16) effectuant un décodage, un processeur automatique se trouvant dans le processeur central (16) dans lequel les comptes sont identifiés, une boîte postale scellée située dans les machines distantes multiples de collectes d'épargne en espèces et destinées à contenir des espèces déposées jusqu'à ce qu'elles soient physiquement collectées, et un dispositif générateur de lettre d'autorisation associé au processeur central (16) et permettant d'obtenir l'autorisation du déposant d'acheter des titres présélectionnés en son nom lorsque la valeur cumulative du compte d'épargne du déposant atteint ou dépasse le prix d'achat minimum du titre présélectionné.
PCT/US1993/009462 1991-08-09 1993-10-05 Dispositif et procede d'augmentation de l'investissement et de la participation des petits investisseurs a des comptes d'epargne WO1995010088A1 (fr)

Priority Applications (3)

Application Number Priority Date Filing Date Title
US07/743,266 US5252811A (en) 1991-08-09 1991-08-09 Device, system and method for increasing saving account participation and investment by small investors
PCT/US1993/009462 WO1995010088A1 (fr) 1991-08-09 1993-10-05 Dispositif et procede d'augmentation de l'investissement et de la participation des petits investisseurs a des comptes d'epargne
AU53519/94A AU5351994A (en) 1991-08-09 1993-10-05 Device and method for increasing saving account participation and investment by small investors

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US07/743,266 US5252811A (en) 1991-08-09 1991-08-09 Device, system and method for increasing saving account participation and investment by small investors
PCT/US1993/009462 WO1995010088A1 (fr) 1991-08-09 1993-10-05 Dispositif et procede d'augmentation de l'investissement et de la participation des petits investisseurs a des comptes d'epargne

Publications (1)

Publication Number Publication Date
WO1995010088A1 true WO1995010088A1 (fr) 1995-04-13

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PCT/US1993/009462 WO1995010088A1 (fr) 1991-08-09 1993-10-05 Dispositif et procede d'augmentation de l'investissement et de la participation des petits investisseurs a des comptes d'epargne

Country Status (1)

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WO (1) WO1995010088A1 (fr)

Cited By (22)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP1480177A2 (fr) * 1997-04-14 2004-11-24 Cummins-Allison Corporation Méthode pour la mise à jour de comptes
US7881519B2 (en) 2001-09-27 2011-02-01 Cummins-Allison Corp. Document processing system using full image scanning
US8126793B2 (en) 2001-07-05 2012-02-28 Cummins-Allison Corp. Automated payment system and method
US8162125B1 (en) 1996-05-29 2012-04-24 Cummins-Allison Corp. Apparatus and system for imaging currency bills and financial documents and method for using the same
US8169602B2 (en) 1996-11-27 2012-05-01 Cummins-Allison Corp. Automated document processing system and method
US8391583B1 (en) 2009-04-15 2013-03-05 Cummins-Allison Corp. Apparatus and system for imaging currency bills and financial documents and method for using the same
US8417017B1 (en) 2007-03-09 2013-04-09 Cummins-Allison Corp. Apparatus and system for imaging currency bills and financial documents and method for using the same
US8428332B1 (en) 2001-09-27 2013-04-23 Cummins-Allison Corp. Apparatus and system for imaging currency bills and financial documents and method for using the same
US8433123B1 (en) 2001-09-27 2013-04-30 Cummins-Allison Corp. Apparatus and system for imaging currency bills and financial documents and method for using the same
US8437528B1 (en) 2009-04-15 2013-05-07 Cummins-Allison Corp. Apparatus and system for imaging currency bills and financial documents and method for using the same
US8437529B1 (en) 2001-09-27 2013-05-07 Cummins-Allison Corp. Apparatus and system for imaging currency bills and financial documents and method for using the same
US8437530B1 (en) 2001-09-27 2013-05-07 Cummins-Allison Corp. Apparatus and system for imaging currency bills and financial documents and method for using the same
US8459436B2 (en) 2008-10-29 2013-06-11 Cummins-Allison Corp. System and method for processing currency bills and tickets
US8478020B1 (en) 1996-11-27 2013-07-02 Cummins-Allison Corp. Apparatus and system for imaging currency bills and financial documents and method for using the same
US8538123B1 (en) 2007-03-09 2013-09-17 Cummins-Allison Corp. Apparatus and system for imaging currency bills and financial documents and method for using the same
US8625875B2 (en) 2007-03-09 2014-01-07 Cummins-Allison Corp. Document imaging and processing system for performing blind balancing and display conditions
US8627939B1 (en) 2002-09-25 2014-01-14 Cummins-Allison Corp. Apparatus and system for imaging currency bills and financial documents and method for using the same
US8929640B1 (en) 2009-04-15 2015-01-06 Cummins-Allison Corp. Apparatus and system for imaging currency bills and financial documents and method for using the same
US8944234B1 (en) 2001-09-27 2015-02-03 Cummins-Allison Corp. Apparatus and system for imaging currency bills and financial documents and method for using the same
US9141876B1 (en) 2013-02-22 2015-09-22 Cummins-Allison Corp. Apparatus and system for processing currency bills and financial documents and method for using the same
US9390574B2 (en) 1996-11-27 2016-07-12 Cummins-Allison Corp. Document processing system
US9818249B1 (en) 2002-09-04 2017-11-14 Copilot Ventures Fund Iii Llc Authentication method and system

Citations (1)

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US4988849A (en) * 1987-04-10 1991-01-29 Hitachi, Ltd. Financial transaction system

Patent Citations (1)

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Cited By (58)

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US8162125B1 (en) 1996-05-29 2012-04-24 Cummins-Allison Corp. Apparatus and system for imaging currency bills and financial documents and method for using the same
US8714336B2 (en) 1996-05-29 2014-05-06 Cummins-Allison Corp. Apparatus and system for imaging currency bills and financial documents and method for using the same
US9390574B2 (en) 1996-11-27 2016-07-12 Cummins-Allison Corp. Document processing system
US8437531B2 (en) 1996-11-27 2013-05-07 Cummins-Allison Corp. Check and U.S. bank note processing device and method
US8169602B2 (en) 1996-11-27 2012-05-01 Cummins-Allison Corp. Automated document processing system and method
US8339589B2 (en) 1996-11-27 2012-12-25 Cummins-Allison Corp. Check and U.S. bank note processing device and method
US8478020B1 (en) 1996-11-27 2013-07-02 Cummins-Allison Corp. Apparatus and system for imaging currency bills and financial documents and method for using the same
US8442296B2 (en) 1996-11-27 2013-05-14 Cummins-Allison Corp. Check and U.S. bank note processing device and method
EP1480177A2 (fr) * 1997-04-14 2004-11-24 Cummins-Allison Corporation Méthode pour la mise à jour de comptes
EP1480177A3 (fr) * 1997-04-14 2005-04-20 Cummins-Allison Corporation Méthode pour la mise à jour de comptes
US9129271B2 (en) 2000-02-11 2015-09-08 Cummins-Allison Corp. System and method for processing casino tickets
US9495808B2 (en) 2000-02-11 2016-11-15 Cummins-Allison Corp. System and method for processing casino tickets
US8126793B2 (en) 2001-07-05 2012-02-28 Cummins-Allison Corp. Automated payment system and method
US8396278B2 (en) 2001-09-27 2013-03-12 Cummins-Allison Corp. Document processing system using full image scanning
US8944234B1 (en) 2001-09-27 2015-02-03 Cummins-Allison Corp. Apparatus and system for imaging currency bills and financial documents and method for using the same
US8639015B1 (en) 2001-09-27 2014-01-28 Cummins-Allison Corp. Apparatus and system for imaging currency bills and financial documents and method for using the same
US8103084B2 (en) 2001-09-27 2012-01-24 Cummins-Allison Corp. Document processing system using full image scanning
US7881519B2 (en) 2001-09-27 2011-02-01 Cummins-Allison Corp. Document processing system using full image scanning
US8433123B1 (en) 2001-09-27 2013-04-30 Cummins-Allison Corp. Apparatus and system for imaging currency bills and financial documents and method for using the same
US8428332B1 (en) 2001-09-27 2013-04-23 Cummins-Allison Corp. Apparatus and system for imaging currency bills and financial documents and method for using the same
US9142075B1 (en) 2001-09-27 2015-09-22 Cummins-Allison Corp. Apparatus and system for imaging currency bills and financial documents and method for using the same
US8041098B2 (en) 2001-09-27 2011-10-18 Cummins-Allison Corp. Document processing system using full image scanning
US8644585B1 (en) 2001-09-27 2014-02-04 Cummins-Allison Corp. Apparatus and system for imaging currency bills and financial documents and method for using the same
US8437529B1 (en) 2001-09-27 2013-05-07 Cummins-Allison Corp. Apparatus and system for imaging currency bills and financial documents and method for using the same
US8437530B1 (en) 2001-09-27 2013-05-07 Cummins-Allison Corp. Apparatus and system for imaging currency bills and financial documents and method for using the same
US8655045B2 (en) 2001-09-27 2014-02-18 Cummins-Allison Corp. System and method for processing a deposit transaction
US8655046B1 (en) 2001-09-27 2014-02-18 Cummins-Allison Corp. Apparatus and system for imaging currency bills and financial documents and method for using the same
US8644584B1 (en) 2001-09-27 2014-02-04 Cummins-Allison Corp. Apparatus and system for imaging currency bills and financial documents and method for using the same
US9818249B1 (en) 2002-09-04 2017-11-14 Copilot Ventures Fund Iii Llc Authentication method and system
US8627939B1 (en) 2002-09-25 2014-01-14 Cummins-Allison Corp. Apparatus and system for imaging currency bills and financial documents and method for using the same
US9355295B1 (en) 2002-09-25 2016-05-31 Cummins-Allison Corp. Apparatus and system for imaging currency bills and financial documents and method for using the same
US8625875B2 (en) 2007-03-09 2014-01-07 Cummins-Allison Corp. Document imaging and processing system for performing blind balancing and display conditions
US8542904B1 (en) 2007-03-09 2013-09-24 Cummins-Allison Corp. Apparatus and system for imaging currency bills and financial documents and method for using the same
US8417017B1 (en) 2007-03-09 2013-04-09 Cummins-Allison Corp. Apparatus and system for imaging currency bills and financial documents and method for using the same
US8538123B1 (en) 2007-03-09 2013-09-17 Cummins-Allison Corp. Apparatus and system for imaging currency bills and financial documents and method for using the same
US8459436B2 (en) 2008-10-29 2013-06-11 Cummins-Allison Corp. System and method for processing currency bills and tickets
US9195889B2 (en) 2009-04-15 2015-11-24 Cummins-Allison Corp. System and method for processing banknote and check deposits
US8929640B1 (en) 2009-04-15 2015-01-06 Cummins-Allison Corp. Apparatus and system for imaging currency bills and financial documents and method for using the same
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US8467591B1 (en) 2009-04-15 2013-06-18 Cummins-Allison Corp. Apparatus and system for imaging currency bills and financial documents and method for using the same
US8559695B1 (en) 2009-04-15 2013-10-15 Cummins-Allison Corp. Apparatus and system for imaging currency bills and financial documents and method for using the same
US8437528B1 (en) 2009-04-15 2013-05-07 Cummins-Allison Corp. Apparatus and system for imaging currency bills and financial documents and method for using the same
US9189780B1 (en) 2009-04-15 2015-11-17 Cummins-Allison Corp. Apparatus and system for imaging currency bills and financial documents and methods for using the same
US10452906B1 (en) 2009-04-15 2019-10-22 Cummins-Allison Corp. Apparatus and system for imaging currency bills and financial documents and method for using the same
US8787652B1 (en) 2009-04-15 2014-07-22 Cummins-Allison Corp. Apparatus and system for imaging currency bills and financial documents and method for using the same
US8644583B1 (en) 2009-04-15 2014-02-04 Cummins-Allison Corp. Apparatus and system for imaging currency bills and financial documents and method for using the same
US9477896B1 (en) 2009-04-15 2016-10-25 Cummins-Allison Corp. Apparatus and system for imaging currency bills and financial documents and method for using the same
US8594414B1 (en) 2009-04-15 2013-11-26 Cummins-Allison Corp. Apparatus and system for imaging currency bills and financial documents and method for using the same
US9971935B1 (en) 2009-04-15 2018-05-15 Cummins-Allison Corp. Apparatus and system for imaging currency bills and financial documents and method for using the same
US8391583B1 (en) 2009-04-15 2013-03-05 Cummins-Allison Corp. Apparatus and system for imaging currency bills and financial documents and method for using the same
US9972156B1 (en) 2009-04-15 2018-05-15 Cummins-Allison Corp. Apparatus and system for imaging currency bills and financial documents and method for using the same
US9558418B2 (en) 2013-02-22 2017-01-31 Cummins-Allison Corp. Apparatus and system for processing currency bills and financial documents and method for using the same
US10163023B2 (en) 2013-02-22 2018-12-25 Cummins-Allison Corp. Apparatus and system for processing currency bills and financial documents and method for using the same
US11314980B1 (en) 2013-02-22 2022-04-26 Cummins-Allison Corp. Apparatus and system for processing currency bills and financial documents and method for using the same
US9141876B1 (en) 2013-02-22 2015-09-22 Cummins-Allison Corp. Apparatus and system for processing currency bills and financial documents and method for using the same

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