Patent ID: 6145738
Filing Date: 2000-11-14
Classification: G06Q,G07C,G07F

Abstract:
A check-cashing system, comprising:a remote service center comprising a communications device; andat least one check-cashing unit coupled to the remote service center, wherein the at least one check-cashing unit comprises,a storage device including a database of customer information;a check reader configured to receive and read a check to be processed;a cash dispenser;a communications device configured to communicate with the communications device of the service center; andan electronic processor connected to the storage device, the check reader, the cash dispenser, and the communications device, and configured to,receive information about a check to be processed from the check reader;access the database of customer information to obtain data about a customer presenting the check to be processed;confirm the identity of a customer based on biometric data stored in the database of customer information;after confirming the identity of the customer, determine automatically whether to accept or reject a check by applying a set of business rules; andupon accepting the check, signal the cash dispenser to dispense cash to the customer presenting the check, wherein the business rules comprise accepting a check if the customer has used the system previously to cash a previous check for a similar amount from a payor associated with the check to be processed.