Self-Service Check Deposit Terminal Receipt Delivery

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Solution Overview

Problem

Traditional self-service check depositing terminals face inefficiencies in providing transaction receipts, particularly when multiple checks are deposited, leading to long printing times and increased paper usage, which can prolong customer wait times and increase hardware failure rates.

Innovation Solution

The method involves generating a check deposit transaction receipt and delivering it via email or a URL, allowing customers to access the receipt electronically, reducing the need for immediate printing at the terminal.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Loss of information

If a check deposit transaction receipt containing images of multiple checks is printed at the terminal, then the customer receives a complete transaction record, but the printing time increases significantly

Engineering Contradiction:

Improvetransaction receipt completenessVSAvoidprinting time

Core Design Contradiction:

Loss of informationVSLoss of time

Solution Approach 1:

The patent extracts the check images and transaction details from the physical receipt printing process and delivers them separately via email to the customer's electronic device. This allows the terminal to print only a minimal acknowledgment receipt while the complete transaction record with all check images is transmitted electronically, resolving the contradiction between providing complete transaction information and minimizing printing time.

Inventive Principle:

Principle #2Taking out (Extraction)

Solution Approach 2:

The patent creates an electronic copy of the transaction receipt and sends it via email instead of printing the complete record at the terminal. The customer receives a digital copy that contains all check images and transaction details, eliminating the need for the terminal to print large, time-consuming receipts while ensuring the customer still receives complete transaction information.

Inventive Principle:

Principle #26Copying

2Loss of information

If large receipts containing multiple check images are printed, then the customer has a complete record, but paper usage and printer wear increase

Engineering Contradiction:

Improvetransaction record completenessVSAvoidpaper consumption

Core Design Contradiction:

Loss of informationVSLoss of substance

Solution Approach 1:

The patent replaces the mechanical printing system with an electronic delivery system. Instead of using the terminal's printer to produce physical receipts with check images, the system transmits the transaction record electronically via email to the customer's device. This substitution eliminates paper consumption and printer wear while maintaining complete transaction record availability.

Inventive Principle:

Principle #28Mechanics substitution (Replace mechanical system)

Solution Approach 2:

The patent creates an electronic copy of the transaction receipt that contains all check images and sends it via email. This digital copy serves as a complete record for the customer without requiring any physical paper or printing resources, thus resolving the contradiction between providing complete transaction records and reducing paper usage.

Inventive Principle:

Principle #26Copying

3Reliability

If the terminal prints detailed transaction receipts, then customers have verification of deposits, but queue times are prolonged

Engineering Contradiction:

Improvetransaction verificationVSAvoidcustomer wait time

Core Design Contradiction:

ReliabilityVSLoss of time

Solution Approach 1:

The patent extracts the detailed transaction verification function from the terminal's printing capability and relocates it to the customer's electronic device via email delivery. The terminal quickly prints a minimal acknowledgment receipt and simultaneously sends the complete transaction record with all verification details electronically, allowing customers to receive full verification information without extending their wait time at the terminal.

Inventive Principle:

Principle #2Taking out (Extraction)

Solution Approach 2:

The patent performs the action of delivering the complete transaction record in advance by sending it via email immediately after the deposit is processed. The customer receives the detailed verification information electronically without having to wait for printing, allowing them to leave the terminal sooner while still obtaining complete transaction verification.

Inventive Principle:

Principle #10Preliminary action

Data Source

PatentUS8321349B2Methods of operating a self-service check depositing terminal to provide an acknowledgement receipt

Publication Date: 2012.11.27 DIGITAL FIRST HOLDINGS LLC

AI summary

A method is provided of operating a self-service check depositing terminal to provide an acknowledgement receipt. The method comprises identifying a depositor, receiving one or more checks from the depositor, generating a check deposit receipt associated with the transaction, obtaining an electronic mail (email) address associated with the identified depositor, attaching the check deposit transaction receipt to the email, printing an acknowledgement receipt which contains the email address, and delivering the printed acknowledgment receipt to the depositor. In another embodiment, the printed acknowledgement receipt may contain a Uniform Resource Locator (URL) associated with the check deposit receipt.