US4417136A
Expired / Lapsed
US
⏱️ 0.0 years remaining
Method and apparatus for improving bank operation productivity
Assignee: NCR Canada Ltd
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Filing: 1981-08-05
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Granted: 1983-11-22
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Expires: 2001-08-05
Abstract
Abstract A system for improving the processing of financial transactions using direct customer entry of the transaction data and automatic verification of this data during proof operations. Each customer prepares his own transaction slip via a remote terminal, which slip is delivered to a teller for verification. During proof and encoding operations, the amount field of each document is read and composed with the data entered by the customer for correspondence; any errors may be corrected at this stage for reconciliation, saving time and labor costs.
Inventors
- 👤 Robert J. Rushby
- 👤 Anthony B. Damms
Bibliographic Details
Application Number
—
Jurisdiction
US
Data Source
google_patents
Last Synchronized
2026-10-23 14:55
CPC Classifications
G; G06; G06Q; G06Q40/00; G06Q40/02; G06Q20/00; G06Q20/08; G06Q20/10; G06Q20/14; G07; G07F; G07F19/00; G07F19/20; G07F19/201
Claims Analysis
Total Claims: 21
Claim 1
Independent Claim
143 words
A system for processing financial transactions, said system comprising: first processing means; first terminal means, coupled to said first processing means, for permitting a customer to enter into said first processing means information obtained from a document of the customer, said document being contained in a financial transaction; second terminal means, coupled to said first processing means and said first terminal means, for enabling a teller to verify said customer-entered information; first storage means, coupled to said first processing means, for storing said customer-entered information subsequent to said teller verification; second processing means for receiving said teller-verified customer-entered information stored within said first storage means; document processing means for generating information from said document of the customer; and third processing means for automatically comparing information generated by said document processing means with said customer-entered information within said second processing means for correspondence therebetween.
Claim 2
Independent Claim
143 words
A system for processing financial transactions, said system comprising: first processing means; first terminal means, coupled to said first processing means, for permitting a customer to enter into said first processing means information obtained from a document of the customer, said document being contained in a financial transaction; second terminal means, coupled to said first processing means and said first terminal means, for enabling a teller to verify said customer-entered information; first storage means, coupled to said first processing means, for storing said customer-entered information subsequent to said teller verification; second processing means for receiving said teller-verified customer-entered information stored within said first storage means; document processing means for generating information from said document of the customer; and third processing means for automatically comparing information generated by said document processing means with said customer-entered information within said second processing means for correspondence therebetween.
Claim 3
Dependent Claim
19 words
The system of claim 1, wherein said first terminal means includes means for verifying the identity of each customer.
Claim 4
Dependent Claim
21 words
The system of claim 1, wherein said first terminal means includes a keyboard for entering said information concerning a financial transaction.
Claim 5
Dependent Claim
20 words
The system of claim 1, wherein said first terminal means includes means for encoding each document contained within said transaction.
Claim 6
Dependent Claim
14 words
The system of claim 1, wherein said first storage means comprises a magnetic disk.
Claim 7
Dependent Claim
14 words
The system of claim 1, wherein said first storage means comprises a tape cassette.
Claim 8
Dependent Claim
21 words
The system of claim 1, wherein said second terminal means includes means for correcting any customer-entered information which is deemed erroneous.
Claim 9
Dependent Claim
19 words
The system of claim 1, wherein said first and second processing means are coupled by a direct data link.
Claim 10
Dependent Claim
18 words
The system of claim 1, wherein said first storage means is physically delivered to said second processing means.
Claim 11
Dependent Claim
18 words
The system of claim 1, wherein said first and second processing means are included within a single computer.
Claim 12
Dependent Claim
47 words
The system of claim 1, wherein said document processing means includes: means for reading information encoded upon a document; character recognition means for reading courtesy amount data located on the face of said document; and means for producing a facsimile image of the face of said document.
Claim 13
Dependent Claim
15 words
The system of claim 11, further including second storage means for storing said facsimile image.
Claim 14
Dependent Claim
20 words
The system of claim 12, wherein information obtained by said reading means accesses customer-entered information within said second processing means.
Claim 15
Dependent Claim
22 words
The system of claim 13, wherein said accessed information is compared with said data read by said character recognition means for correspondence.
Claim 16
Dependent Claim
33 words
The system of claim 14, further comprising means, coupled to said second storage means and said third processing means, for displaying said facsimile image when said third processing means does not indicate correspondence.
Claim 17
Dependent Claim
24 words
The system of claim 15, wherein said display means includes means for amending said accessed information within said second storage means to attain correspondence.
Claim 18
Independent Claim
115 words
A method for processing financial transactions within a bank, comprising the steps of: (a) enabling a customer to enter into a first processing means information obtained from a document of the customer through the use of a first terminal means; (b) enabling a teller to verify said customer-entered information by use of a second terminal means; (c) permanently storing within a first storage means said customer-entered information subsequent to teller verification; (d) delivering said verified customer-entered information within said second processing means for data to a second processing means; (e) generating information from said document of the customer; and (f) comparing the information generated from said document of the customer with said customer-entered correspondence therebetween.
Claim 19
Independent Claim
115 words
A method for processing financial transactions within a bank, comprising the steps of: (a) enabling a customer to enter into a first processing means information obtained from a document of the customer through the use of a first terminal means; (b) enabling a teller to verify said customer-entered information by use of a second terminal means; (c) permanently storing within a first storage means said customer-entered information subsequent to teller verification; (d) delivering said verified customer-entered information within said second processing means for data to a second processing means; (e) generating information from said document of the customer; and (f) comparing the information generated from said document of the customer with said customer-entered correspondence therebetween.
Claim 20
Dependent Claim
23 words
The method of claim 17, wherein the teller verifying step further comprises the step of correcting any customer-entered information which is deemed erroneous.
Claim 21
Dependent Claim
47 words
The method of claim 17, wherein said information generating step further comprises the steps of: (a) reading information encoded upon a document; (b) reading the courtesy amount data located on the face of said document; and (c) producing a facsimile image of the face of said document.
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USPTO Annuity & Maintenance Windows
| Annuity Stage | Window Opens | Payment Deadline | Surcharge Period Until | Estimated Fee | Status |
|---|---|---|---|---|---|
| 3.5 Years (Year 4) | 1986-11-21 | 1987-05-23 | 1987-11-22 | $2000.00 | Window Closed / Lapsed |
| 7.5 Years (Year 8) | 1990-11-21 | 1991-05-23 | 1991-11-22 | $3760.00 | Window Closed / Lapsed |
| 11.5 Years (Year 12) | 1994-11-21 | 1995-05-23 | 1995-11-22 | $7700.00 | Window Closed / Lapsed |