CA2456045A1 - A cheque processor - Google Patents

A cheque processor Download PDF

Info

Publication number
CA2456045A1
CA2456045A1 CA002456045A CA2456045A CA2456045A1 CA 2456045 A1 CA2456045 A1 CA 2456045A1 CA 002456045 A CA002456045 A CA 002456045A CA 2456045 A CA2456045 A CA 2456045A CA 2456045 A1 CA2456045 A1 CA 2456045A1
Authority
CA
Canada
Prior art keywords
cheque
cheques
casing
drawees
trust
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.)
Granted
Application number
CA002456045A
Other languages
French (fr)
Other versions
CA2456045C (en
Inventor
Alex Young
Leonie Catherine Roberts
Terrence Alexander O'donnell
Christopher John Perfect
Nicholas Baker
Iain Macphail
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.)
ACP Systems Ltd
Original Assignee
Acp Systems Ltd.
Alex Young
Leonie Catherine Roberts
Terrence Alexander O'donnell
Christopher John Perfect
Nicholas Baker
Iain Macphail
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 claimed from GBGB0118772.3A external-priority patent/GB0118772D0/en
Application filed by Acp Systems Ltd., Alex Young, Leonie Catherine Roberts, Terrence Alexander O'donnell, Christopher John Perfect, Nicholas Baker, Iain Macphail filed Critical Acp Systems Ltd.
Publication of CA2456045A1 publication Critical patent/CA2456045A1/en
Application granted granted Critical
Publication of CA2456045C publication Critical patent/CA2456045C/en
Anticipated expiration legal-status Critical
Expired - Fee Related legal-status Critical Current

Links

Classifications

    • 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
    • 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
    • G06Q20/042—Payment circuits characterized in that the payment protocol involves at least one cheque
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07D—HANDLING OF COINS OR VALUABLE PAPERS, e.g. TESTING, SORTING BY DENOMINATIONS, COUNTING, DISPENSING, CHANGING OR DEPOSITING
    • G07D11/00—Devices accepting coins; Devices accepting, dispensing, sorting or counting valuable papers
    • G07D11/10—Mechanical details
    • G07D11/14—Inlet or outlet ports

Abstract

The present invention provides an apparatus for processing of cheques and includes a closed casing (1) having an opening defining a feed path (5) for the insertion of a cheque, and an optical scanner (3) for receiving a cheque fed into the casing (1) and recording data representing information on the face of the cheque. The apparatus includes a cancellation device (4) to cancel the cheque concurrently with the scanning and a communications device (2, 9) for transmitting recorded data to a remote location. The invention is intended for distribution to end users, the drawees of cheques, or as a component part of an automatic teller machine, such that a bank can trust that a digital cheque received from the apparatus via a communications network is as secure against being fraudulently deposited as if the cheque had been physically delivered in the conventional manner.
CA002456045A 2001-08-01 2002-07-12 A cheque processor Expired - Fee Related CA2456045C (en)

Applications Claiming Priority (5)

Application Number Priority Date Filing Date Title
GBGB0118772.3A GB0118772D0 (en) 2001-08-01 2001-08-01 Distributed cheque processor
GB0118772.3 2001-08-01
GB0202422A GB2380042B (en) 2001-08-01 2002-02-01 A cheque processor
GB0202422.2 2002-02-01
PCT/GB2002/003226 WO2003012754A1 (en) 2001-08-01 2002-07-12 A cheque processor

Publications (2)

Publication Number Publication Date
CA2456045A1 true CA2456045A1 (en) 2003-02-13
CA2456045C CA2456045C (en) 2007-03-20

Family

ID=26246390

Family Applications (1)

Application Number Title Priority Date Filing Date
CA002456045A Expired - Fee Related CA2456045C (en) 2001-08-01 2002-07-12 A cheque processor

Country Status (4)

Country Link
US (1) US6837424B2 (en)
AU (1) AU2002317341B2 (en)
CA (1) CA2456045C (en)
WO (1) WO2003012754A1 (en)

Families Citing this family (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20070138255A1 (en) * 2005-12-16 2007-06-21 Ncr Corporation Method of operating a check depositing terminal and an apparatus therefor
WO2007129880A1 (en) * 2006-05-09 2007-11-15 Fernandez Orozco Sergio Antoni Encashment system and method using printing devices and digital scanning
US8018632B2 (en) 2006-11-09 2011-09-13 Pertech Resources, Inc. Scanner/imager
US7971059B2 (en) * 2007-05-30 2011-06-28 Bank Of America Corporation Secure channel for image transmission

Family Cites Families (10)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US4264808A (en) * 1978-10-06 1981-04-28 Ncr Corporation Method and apparatus for electronic image processing of documents for accounting purposes
US4321672A (en) * 1979-11-26 1982-03-23 Braun Edward L Financial data processing system
US5373550A (en) 1992-10-13 1994-12-13 At&T Corp. Transmission of check images by way of a public switched telephone network
CA2131667A1 (en) 1993-12-29 1995-06-30 John Burnie Ostrander System for automatic compilation of customer information database from bank check data
US6129270A (en) 1995-09-19 2000-10-10 Piazza; Attilio Scanner for checks, or similar financial documents, provided with a support bracket for housing a keyboard
DE19600769A1 (en) 1996-01-11 1997-07-17 Ibm Security module with integral safety foil e.g. for electronic cash protection
SE9602829D0 (en) 1996-07-19 1996-07-19 Yngve Johnsson Procedure and apparatus for payment processing and means of payment
US6069229A (en) * 1997-03-07 2000-05-30 Schering Corporation Mammalian proteinases; oxidoreductases; related reagents
DE29812793U1 (en) * 1997-09-17 1998-10-01 Siemens Nixdorf Inf Syst Device for evaluating machine-readable vouchers
US7792753B1 (en) * 1998-07-07 2010-09-07 Citibank, N.A. System and method for image depositing, image presentment and deposit taking in a commercial environment

Also Published As

Publication number Publication date
US20030024978A1 (en) 2003-02-06
CA2456045C (en) 2007-03-20
AU2002317341B2 (en) 2006-03-16
WO2003012754A1 (en) 2003-02-13
US6837424B2 (en) 2005-01-04

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Legal Events

Date Code Title Description
EEER Examination request
MKLA Lapsed