The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.
The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.
Patent No.:
Date of Patent:
Dec. 11, 2001
Filed:
Aug. 11, 1998
Kevin P. Gregoire, Sparta, NJ (US);
Hope L. Kirschner, Boonton Morris County, NJ (US);
Dale H. Dentlinger, Naperville, IL (US);
L. Joy Griebenow, Plano, TX (US);
Electronic Data Systems Corporation, Plano, TX (US);
Abstract
A customer at an enrollment section (,) uses a self-dial telephone (,) to make a toll-free call to a customer service operator at a workstation (,). The operator activates a check-cashing card (,) obtained by the customer at the enrollment section, which includes enrolling a checking account against which the customer wishes to cash checks. The customer can subsequently use the activated card with automatic teller machines (,) to cash checks in transactions that are entirely automated, and that do not require the customer to have funds available for withdrawal from an institutional account. Each automatic teller machine interacts with a switch system (,), which in turn interacts with a host system (,), in order to determine whether to proceed with the check-cashing transaction. If authorization is granted, a dispense amount is determined by deducting one or more fees from the amount of the check, and the customer is then paid the dispense amount in cash.