Pitney Bowes Inc.

Michael Y Swaluk

Feliks Bator

William Berson

Andrei Obrea

Monroe A Weiant, Jr

Kathryn V Lawton

John L Campo

George B Harvey

An apparatus for issuing money orders and similar instruments and for securing payment therefor is provided as a subsystem of an existing kiosk of a type including, but not limited to postal kiosks, informational kiosks, Automated Teller Machines (ATM), Point of Sale terminals (POS), vending machines and the like, or any combination thereof. Payment is secured by drawing funds directly from a customer's bank account; by drawing funds from a smart card, or by accepting currency through a bill acceptor. The apparatus further includes facilities for redeeming money orders and dispensing cash amounts corresponding thereto.

Secure money order issuing kiosk

A post production processing application receives and manipulates document print images, in particular to integrate postage printing and accounting into the document finishing, without the need for a specialized postage printing system. The post production processing application may run on a main frame, together with the application(s) that generate the document print images, or on some other computer platform. The post production processing application calculates postage for each document and interacts with a postage metering functionality to obtain digital tokens. Each token includes an encrypted cipher for use in validating applied postage indicia. The mail processing system uses the tokens to generate postage indicias, containing the ciphers, during the subsequent document printing and finishing processes. The meter functionality may reside in software (e.g. as part of the post production processing application), in a meter device associated with and connected to the platform that runs the post production processing application or in a remote data center in communication with that platform. The mail processing system may print the indicias on the documents or on envelopes that will carry the documents.

Encrypted postage indicia printing for mailer inserting systems

A postage metering capability is integrated in an automated teller machine. With minimal modification and using several components of the ATM to perform functions useful in dispensing of postage, the secured environment of an ATM is used to implement numerous postage metering functions. When used with a smart card, postage value is accounted for without reference to an internal vault of the apparatus or to a postal facility, by using a vault of the smart card. The smart card may be used to dispense postage by accessing a customer's postage account at a remote center to set into the internal vault a value to be dispensed, with communication secured in accordance with information provided by the smart card. Using such information, the customer's postage account may also be accessed to recharge the vault of the smart card, rather than the internal vault. Additionally, postage may be dispensed in accordance with value inputted directly by a customer, using cash, credit-, debit-, or money-cards. The internal vault of the postage meter is used when accounting for postage dispensed in accordance with such directly inputted value.

Secure postage meter in an ATM application

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Redding, CT, United States of America

Michael Y Swaluk