Patent ID: 6695204
Filing Date: 2004-02-24
Classification: G06Q,G07C,G07F

Abstract:
An automated check-cashing apparatus, comprising:an input device configured to generate input signals in response to inputs from a customer presenting a check to be processed; a storage device including a database of customer information; a check reader configured to receive and read the check to be processed, including reading the amount of the check by optical character recognition; a cash dispenser; and an electronic processor connected to the input device, the storage device, the check reader, and the cash dispenser, and configured to: receive the input signals from the input device, receive information about the check to be processed from the check reader, access the database of customer information to obtain data about the customer, determine automatically whether to accept or resect the check based on the input signals, the received information about the check, and the data about the customer, upon accepting the check, signal the cash dispenser to dispense cash to the customer wherein the processor is further configured to confirm an identity of the customer based on biometric information about the customer, wherein, after confirming the identity of the customer, the processor is configured to determine automatically whether to accept or reject the check by applying a set of business rules, wherein the business rules are defined generally to permit the processor to accept the check if the customer has used the apparatus previously to cash a previous check for a similar amount from a payor associated with the check to be processed.