Check cashing with a mobile phone

• US 10,134,024 B2
• Filed: 10/20/2017
• Issued: 11/20/2018
• Est. Priority Date: 04/05/2006
• Status: Active Grant

• Current Assignee: Diebold Nixdorf, Incorporated
• Original Assignee: Diebold Nixdorf, Incorporated
• Inventors: Smith, Mark D., Kolinski-Schultz, David E., Blackson, Dale H., Ramachandran, Natarajan
• Primary Examiner(s): Frech, Karl D
• Application Number:
  US15/789,523
• Publication Number:
  US 20180053174A1
• Time in Patent Office: 396 Days
• Field of Search: 23546244, 23546245, 23546246, 23547201, 23547202, 23547203, 235379
• CPC Class Codes: G06Q 20/042 characterized in that the payment protocol involves at least one cheque
• CPC Class Codes: G06Q 20/1085 involving automatic teller machines [ATMs]
• CPC Class Codes: G06Q 20/3221 Access to banking information through M-devices
• CPC Class Codes: G06Q 20/3223 Realising banking transactions through M-devices
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 20/4016 involving fraud or risk level assessment in transaction processing
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: G06V 30/224 of printed characters having additional code marks or containing code marks
• CPC Class Codes: G07F 19/20 Automatic teller machines [ATMs]
• CPC Class Codes: G07F 19/201 Accessories of ATMs
• CPC Class Codes: G07F 19/203 Dispensing operations within ATMs dispensing in general G07D11/00
• CPC Class Codes: G07F 19/211 Software architecture within ATMs or in relation to the ATM network
• CPC Class Codes: G07F 7/04 by paper currency

Abstract

A card actuated automated banking machine (152, 198, 200) includes a plurality of transaction function devices. The transaction function devices include a card reader (170), a printer (174), a bill dispenser (176), a display (182), a check imaging device (186), and at least one processor (190). The machine is operative, responsive to receiving a check and certification data, to dispense cash in exchange for the check. The person presenting the check to the machine need not provide user identifying inputs through input devices of the machine in order to receive cash for the check. Furthermore, prior to accepting the check as a payment, the person can communicate with at least one computer (204) through at least one consumer interface device (208) to verify that the check is payable for the check amount.

Claims

1. A method, comprising:

verifying a user of a first remote device is an authorized user;

receiving data representative of a check having a check amount from the first remote device;

verifying the check is valid with a second remote device;

generating certification data corresponding to the check, the certification data comprises a unique code corresponding to the check responsive to verifying the check is valid;

causing funds corresponding to the check amount to be placed on hold and reserved for purposes of paying the check;

sending data representative of the unique code corresponding to the check to a mobile device associated with the user responsive to determining that the check is valid;

receiving data representative of the check and the unique code from a third remote device;

verifying the unique code corresponds with the check; and

authorizing dispensing of cash at the third remote device responsive to verifying that the unique code corresponds to the check.

2. The method set forth in claim 1, further comprising receiving from an account holder through a consumer interface device data identifying the check from an account associated with an account holder and the check amount associated with the check.

3. The method set forth in claim 2, further comprising providing certification data to the account holder through the consumer interface device responsive to determining that the check is validly drawn on the account.

4. The method set forth in claim 1, wherein verifying a check is valid comprises determining whether the check can be validly drawn from an account for a check amount.

5. The method set forth in claim 1, further comprising storing data corresponding to the check, the check amount and the certification data in a data store.

6. The method set forth in claim 1, wherein authorizing dispensing of cash comprises receiving from a remotely disposed automated banking machine data representative of the certification and data representative of the check.

7. The method set forth in claim 6, wherein authorizing dispensing of cash comprises determining whether the data representative of the certification data and the data representative of the check received from the automated banking machine correspond to certification data and data corresponding to the check that are stored in the data store.

8. The method set forth in claim 1, wherein sending data representative of a unique code corresponding to the check to a mobile device comprises sending data to the mobile device data indicative that the check can be exchanged for the check amount upon validating the data representative of the unique code and data representative of the check with data stored in a data store.

9. The method set forth in claim 1, further comprising:

receiving from the automated banking machine image data corresponding to a visual image of the check; and

resolving from the image data, data identifying the check and the check amount.

10. The method set forth in claim 1, further comprising:

determining an account for to the check; and

wherein the funds corresponding to the check amount to be placed on hold and reserved for purposes of paying the check are obtained from the account for the check.

11. The computer readable medium set forth in claim 10, wherein the instructions for sending data representative of a unique code corresponding to the check to a mobile device comprises instructions for sending data to the mobile device data indicative that the check can be exchanged for the check amount upon validating the data representative of the unique code and data representative of the check with data stored in a data store.

12. A tangible, non-transitory computer readable medium with instructions encoded thereon for execution by a processor and when executed are operable to:

verify a user of a first remote device is an authorized user;

receive data representative of a check from the first remote device;

verify the check is valid with a second remote device;

generate certification data corresponding to the check, the certification data comprises a unique code corresponding to the check responsive to verifying the check is valid;

cause funds corresponding to the check amount to be placed on hold and reserved for purposes of paying the check;

send data representative of the unique code corresponding to the check to a mobile device associated with the user responsive to determining that the check is valid;

receive data representative of the check and the unique code from a third remote device;

verify the unique code corresponds with the check; and

authorize dispensing of cash by the third remote device responsive to verifying that the unique code corresponds to the check.

13. The computer readable medium set forth in claim 12, further comprising instructions for receiving from an account holder through a consumer interface device data identifying the check from an account associated with an account holder and a check amount associated with the check.

14. The computer readable medium set forth in claim 13, further comprising:

instructions for determining an account for to the check; and

wherein the funds corresponding to the check amount to be placed on hold and reserved for purposes of paying the check are obtained from the account for the check.

15. The computer readable medium set forth in claim 12, further comprising instructions for providing certification data to the account holder through the consumer interface device responsive to determining that the check is validly drawn on the account.

16. The computer readable medium set forth in claim 12, wherein the instructions to verify a check is valid comprises instructions for determining whether the check can be validly drawn from an account for a check amount.

17. The computer readable medium set forth in claim 12, further comprising instructions for storing data corresponding to the check, the check amount and the certification data in a data store.

18. The computer readable medium set forth in claim 12, wherein the instructions for authorizing dispensing of cash comprises instructions for receiving from a remotely disposed automated banking machine data representative of the certification and data representative of the check.

19. The computer readable medium set forth in claim 18, wherein the instructions for authorizing dispensing of cash comprises instructions for determining whether the data representative of the certification data and the data representative of the check received from the automated banking machine correspond to certification data and data corresponding to the check that are stored in the data store.

20. The computer readable medium set forth in claim 12, further comprising:

instructions for receiving from the automated banking machine image data corresponding to a visual image of the check; and

instructions for resolving from the image data, data identifying the check and the check amount.