Method of processing a check depositing transaction between a bank customer and a bank teller
View Patent ↗A method of providing receipts to depositors of bank checks. People often deposit a group of bank checks at once. All checks in the group are listed on a deposit slip which the person prepared. Sometimes, at the last minute, a person removes a check from the group, and does not deposit the removed check. However, if the person misplaces that removed check, the person can develop the false memory that he actually deposited the check, when, in fact, he did not. This false memory can lead to a dispute with the bank. In one form of the invention, the bank creates a deposit slip which contains a picture of each check which was deposited, and also a picture of each check which was removed from the deposit process. This deposit slip creates a historical record of events occurring at the deposit event, and allows one to trace all checks involved.
1. A method of processing a check deposit at a bank, comprising:
a) receiving from a bank customer one or more checks and a deposit slip;
b) capturing an image of each of the received checks and a first image of the deposit slip;
c) electronically on a processor generating a transaction receipt which contains
(i) an image of at least a portion of at least one check which was not deposited, and
(ii) a second image of the deposit slip which contains modifications based upon the at least one check which was not deposited; and
d) delivering the receipt to the customer.
2. A method according to claim 1 , wherein the transaction receipt further contains an image of at least a portion of each deposited check to provide the bank customer with a record of the check depositing transaction.
3. A method according to claim 2 , wherein the transaction receipt further contains the first image of the deposit slip.
4. A method according to claim 1 , wherein the transaction receipt further contains the first image of the deposit slip.
5. A transaction system comprising:
a) a scanner for
(i) capturing images of checks, and
(ii) capturing images of deposit slips;
b) a teller station processor for processing checks, and providing a transaction receipt which contains
(i) images of deposited checks and non-deposited checks,
(ii) indicators which designate images of checks which were not deposited, but returned to a customer,
(iii) indicators which designate images of checks which were deposited, and
(iv) an image of a deposit slip;
wherein the receipt also contains a second image of said deposit slip, which contains modifications of said deposit slip.
6. A transaction system according to claim 5 , in which the transaction receipt contains a full image of each deposited check.
7. A transaction system according to claim 5 , in which the transaction receipt contains a full image of the deposit slip.
8. A transaction system according to claim 5 , in which the transaction receipt contains a full image of each deposited check and a full image of the deposit slip.
9. A transaction system according to claim 8 , in which
(i) the image of each deposited check is located within a first category heading on the transaction receipt, and
(ii) the image of the deposit slip is located within a second category heading which is different from the first category heading on the transaction receipt.
10. A method of processing bank checks received from a bank customer for deposit, comprising:
a) receiving an original deposit slip from the customer which lists
i) a first check stating a first amount and
ii) a second check stating a second amount and which states a total amount, which is a sum of the first and second amounts;
b) creating a modified deposit slip;
c) accepting the first check for deposit;
d) not accepting the second check for deposit, but returning the second check to the customer;
e) electronically on a processor generating a paper receipt which contains
i) an image of the original deposit slip,
ii) an image of the modified deposit slip,
iii) images of both the first and second checks,
iv) indications of which check was deposited and which check was not deposited, and
v) an indication of the actual total deposit, which is different from said total amount; and
f) delivering the receipt to the customer.