System and method for gathering customer information for completing check cashing transactions
OwnerGhassan Brikhoinventor
Life of this patent
Estimating the term…
Abstract
A system and method for completing a check cashing transaction includes a computer readable and writeable media with a program operating platform and associated software program. The program includes a main menu screen and customer information screens containing records of each customer within the system. In the absence of an existing customer record, a new record can be created utilizing a keyboard, digital camera, scanner, and fingerprint unit. Information is displayed and printed out particular to checks presented by customers, including paid/refused status and additional check history. A network interconnects a plurality of individual and retail located systems in order for any one retailer to share information with any or all of the participating systems.
Claims22
A method for assisting a commercial retailer in gathering customer information necessary to complete a check cashing transaction, said method comprising the steps of:
- searching for an existing computerized record of the customer on a localized database established at the commercial retail location;
- creating, in the absence of an existing record, a new record for the customer, said step of creating further including inputting an identification number particular to the customer;
- inputting into said new record information at least one of the customer's name, date of birth and photograph;
- scanning additional customer information into said new record, said additional information comprising biometric information drawn from a group including at least one photograph and at least one fingerprint;
- scanning into said record at least one check;
- printing, onto at least one side of said check, at least one of said customer photograph, identification information, and said fingerprint;
- and
- cataloging said check by history and pay status.
A system for assisting a commercial retailer in gathering customer information necessary to complete a check cashing transaction, said system comprising:
- a computer readable and writeable media having a program operating platform, within which a software program is installed, and establishing localized database at the commercial retail location;
- said program including a main menu screen and at least one customer information screen accessible from said main screen and comprising an existing customer record;
- input means accessible from said main menu screen for creating, in the absence of an existing customer information screen, a record of a new customer comprising at least a name, an address, an identification number, a photograph, at least one fingerprint, and a subset plurality of checks associated with said customer, said input means drawing form multi-media components comprising at least one of a keyboard and digital camera, and scanner;
- a fingerprint unit in operative communication with said program operating platform, said software program cooperating with said fingerprint unit for recording and retaining at least one fingerprint corresponding to a biometric parameter of a customer;
- presentation means, in cooperation with said input means, for cataloging and listing a plurality of checks by history and pay status;
- and
- a network connection directly established between a plurality of individual retail located systems for exchanging check information.
A software program embodying a computer code for use with a computer readable and writeable media for assisting a commercial retailer in gathering customer information necessary to complete a check cashing transaction, said program comprising:
- a first subroutine for establishing a listing of existing customers and customer profile records;
- a second subroutine which, in the absence of an existing customer listed in said first subroutine, utilizes a plurality of multi-media components to establish a record of a new customer, said components comprising at least one of a keyboard, a digital camera, and a scanner;
- said second subroutine further utilizing a fingerprint unit for recording and retaining at least one fingerprint corresponding to a biometric parameter of a customer;
- a third subroutine incorporating presentation means for illustrating a catalog of checks by history and pay status;
- a fourth subroutine for establishing a secure file sharing network of information directly between a plurality of retail locations.
Dependencies are inferred from the claim text.