Patent ID: 6149056
Filing Date: 2000-11-21
Classification: G06Q,G07C,G07D,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;a cash dispenser; andan 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, the input signals identifying the customer presenting the check to be processed,receive information about the check to be processed from the check reader, the information identifying the payor of the check to be processed,use the input signals to access the database of customer information to obtain data about the customer,determine automatically whether to accept or reject the check to be processed based on the received information about the check to be processed, the data about the customer, and acceptance criteria, andupon accepting the check to be processed, signal the cash dispenser to dispense cash to the customer,wherein the acceptance criteria are defined generally to permit the processor to accept the check to be processed if the customer has used the apparatus previously to cash a previous check for a similar amount from the payor of the check to be processed.