Accepting a check deposit from a mobile device in communication with an automated teller machine
First Claim
1. An apparatus, comprising:
- a processor coupled with a first network and a second network;
the processor is operable to receive from a mobile device coupled with the first network data representative of an image of a check;
the processor is operable to determine an account the check is drawn on from the data representative of an image of a check;
the processor is operable to determine an amount of the check from the data representative of an image of a check;
the processor is operable to generate code data that uniquely identifies the check;
the processor operable to send the code data to the mobile device via the first network;
the processor is operable to receive a check cashing request from an automated banking machine without a check imager that is coupled with the second network, the check cashing request comprises data representative of code data provided by the mobile device to the automated banking machine;
the processor is operable to correlate the code data provided by the mobile device with the code data that was sent to the mobile device; and
the processor is operable to authorize a check cashing transaction responsive to the code data provided by the mobile device via the second network correlating to the code data sent to the mobile device via the first network.
21 Assignments
0 Petitions
Accused Products
Abstract
An automated banking machine operates to cause financial transfers responsive at least in part to data read from data bearing records. The automated banking machine includes a card reader that is operative to read card data corresponding to financial accounts from user cards. The card data is linked in at least one data store to data indicating that the card data corresponds to a financial account that is authorized to be used to conduct at least one transaction through use of the automated banking machine. The automated banking machine may be used to carry out financial transfers involving financial accounts by users who are determined to be authorized users of such accounts. Data corresponding to a financial account can also be linked to a mobile wireless device so as to enable financial transfers by authorized users of such accounts.
7 Citations
20 Claims
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1. An apparatus, comprising:
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a processor coupled with a first network and a second network; the processor is operable to receive from a mobile device coupled with the first network data representative of an image of a check; the processor is operable to determine an account the check is drawn on from the data representative of an image of a check; the processor is operable to determine an amount of the check from the data representative of an image of a check; the processor is operable to generate code data that uniquely identifies the check; the processor operable to send the code data to the mobile device via the first network; the processor is operable to receive a check cashing request from an automated banking machine without a check imager that is coupled with the second network, the check cashing request comprises data representative of code data provided by the mobile device to the automated banking machine; the processor is operable to correlate the code data provided by the mobile device with the code data that was sent to the mobile device; and the processor is operable to authorize a check cashing transaction responsive to the code data provided by the mobile device via the second network correlating to the code data sent to the mobile device via the first network. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9)
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10. A tangible, non-transitory computer readable medium of instructions with instructions encoded thereon for execution by a processor, and when executed operable to:
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receive from a mobile device coupled with a first network data representative of an image of a check; determine an account the check is drawn on from the data representative of an image of a check; determine an amount of the check from the data representative of an image of a check; generate code data that uniquely identifies the check; send the code data to the mobile device via the first network; receive a check cashing request from an automated banking machine that does not have a check imager coupled with a second network, the check cashing request comprises data representative of code data provided by the mobile device to the automated banking machine but does not include check image data; correlate the code data provided by the mobile device with the code data that was sent to the mobile device; and authorize a check cashing transaction responsive to the code data provided by the mobile device via the second network correlating to the code data sent to the mobile device via the first network. - View Dependent Claims (11, 12, 13, 14, 15, 16, 17, 18)
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19. A method, comprising:
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receiving from a mobile device coupled with a first network data representative of an image of a check; determining an account the check is drawn on from the data representative of an image of a check; determining an amount of the check from the data representative of an image of a check; generating code data that uniquely identifies the check; sending the code data to the mobile device via the first network; receiving a check cashing request from an automated banking machine that does not have a check imager that is coupled with a second network, the check cashing request comprises data representative of code data that does not include image data provided by the mobile device to the automated banking machine; correlating the code data provided by the mobile device with the code data that was sent to the mobile device; and authorizing, by a processor, a check cashing transaction responsive to the code data provided by the mobile device via the second network correlating to the code data sent to the mobile device via the first network. - View Dependent Claims (20)
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Specification