公开(公告)号：US20050035191A1

公开(公告)日：2005-02-17

申请号：US10638609

申请日：2003-08-11

申请人： Paul Latimer ,  Michael Ancell ,  Richard Hildred ,  David Simmons

发明人： Paul Latimer ,  Michael Ancell ,  Richard Hildred ,  David Simmons

IPC分类号： G06Q40/00 ,  G07F19/00 ,  G06F17/60

CPC分类号： G06Q40/02 ,  G06Q20/042 ,  G07F19/20 ,  G07F19/202

摘要： Deposit transaction data associated with a cheque deposited at an automated teller machine (ATM) is processed to determine if the deposited cheque is acceptable. Deposit transaction data relating to the deposited cheque is received from an ATM switch. A determination is made as to whether the deposited cheque is acceptable based upon the transaction data. A flag is set and a risk score is assigned when the deposited cheque is determined to be unacceptable. A second source file is created using set flags and assigned risk scores, and then sent to a data server. The second source file is merged with associated deposit data retrieved from memory at the data server. The merged file is sent to a deposit review processor and a deposit review workstation. The deposit review processor determines if any deposited item needs to be reviewed by a human operator or outsorted based upon data contained in the merged file. A human operator at the deposit review workstation reviews deposited items for negotiability and for funds availability risk. If the operator rejects a deposited item based upon negotiability, the operator adjusts the depositor's account and determines disposition of the physical deposit item. If the operator rejects a deposit item based upon funds availability risk, the operator initiates hold procedures on the deposit item.

摘要翻译： 处理与存于自动取款机（ATM）上的支票相关联的存款交易数据，以确定所存的支票是否可接受。 从ATM交换机接收与存入的支票相关的存款交易数据。 根据交易数据确定存款支票是否可以接受。 设定标志，并且当确定存入支票是不可接受的时，分配风险分数。 使用设置标志和分配的风险分数创建第二个源文件，然后发送到数据服务器。 第二个源文件与从数据服务器的内存检索的相关联的存储数据合并。 合并的文件被发送到存款审查处理器和存款审查工作站。 存款审查处理器确定是否任何存放的项目需要由人类操作者审查或根据合并文件中包含的数据外部外部审查。 存款审查工作人员的操作人员会审查存款项目的可转让性和资金可用性风险。 如果经营者根据可协商性拒绝存款项目，经营者调整存款人账户并确定物理存款项目的处置情况。 如果运营商根据资金可用性风险拒绝存款项目，运营商将对存款项目启动持有程序。

公开(公告)号：US20050038746A1

公开(公告)日：2005-02-17

申请号：US10638608

申请日：2003-08-11

申请人： Paul Latimer ,  Michael Ancell ,  David Simmons

发明人： Paul Latimer ,  Michael Ancell ,  David Simmons

IPC分类号： G07F19/00 ,  G06F17/60

CPC分类号： G06Q20/042 ,  G06Q20/1085 ,  G07F19/20

摘要： A method of associating physical cheques with cheque image data includes steps of receiving physical cheques from a self-service terminal at which the physical cheques were previously deposited, lifting identification data associated with the physical cheques, and retrieving at least some of the previous remotely-captured cheque image data based upon the identification data to associate the retrieved cheque image data with the physical cheques. The plurality of self-service terminals may include a plurality of automated teller machines. The plurality of automated teller machines may include a plurality of cheque depositing automated teller machines.

摘要翻译： 将物理检查与检查图像数据相关联的方法包括以下步骤：从先前存储物理检查的自助服务终端接收物理检查，提升与物理检查相关联的识别数据，以及检索先前的远程访问中的至少一些， 基于识别数据捕获检查图像数据，以将检索到的检查图像数据与物理检查相关联。 多个自助终端可以包括多个自动柜员机。 多个自动柜员机可以包括多个支票存款自动柜员机。

公开(公告)号：US20050038748A1

公开(公告)日：2005-02-17

申请号：US10638607

申请日：2003-08-11

申请人： Paul Latimer ,  Michael Ancell ,  David Elwin ,  Joseph Shannon ,  Kevin Shamanski

发明人： Paul Latimer ,  Michael Ancell ,  David Elwin ,  Joseph Shannon ,  Kevin Shamanski

IPC分类号： G06Q40/00 ,  G07F19/00 ,  G06F17/60

CPC分类号： G06Q40/02 ,  G06Q20/042 ,  G07F19/20

摘要： A consolidation server consolidates cheque image data from a plurality of self-service terminals. The consolidation server receives cheque image data from each of the plurality of terminals. The cheque image data received from the plurality of terminals is staged in a data storage medium. Cheque image data associated with at least one of the plurality of terminals is consolidated when a trigger event occurs. The consolidated cheque image data is sent to an image-based cheque processing system for further processing. The plurality of self-service terminals may comprise a plurality of automated teller machines. The plurality of automated teller machines may comprise a plurality of cheque depositing automated teller machines.

摘要翻译： 合并服务器整合来自多个自助终端的检查图像数据。 合并服务器从多个终端中的每一个接收检查图像数据。 从多个终端接收的检查图像数据被分段在数据存储介质中。 当触发事件发生时，检查与多个终端中的至少一个相关联的图像数据。 合并的检查图像数据被发送到基于图像的检查处理系统用于进一步处理。 多个自助终端可以包括多个自动柜员机。 多个自动取款机可以包括多个支票存款自动取款机。