Automated banking machine system and method

• US 20030217005A1
• Filed: 05/05/2003
• Published: 11/20/2003
• Est. Priority Date: 11/27/1996
• Status: Abandoned Application

• Current Assignee: Diebold Self-Service Systems (Diebold Nixdorf, Incorporated)
• Original Assignee: Diebold Self-Service Systems (Diebold Nixdorf, Incorporated)
• Inventors: Drummond, Jay Paul, Meffie, Michael A., Smith, Mark D., Wasil, Daniel D.
• Application Number:
  US10/430,123
• Publication Number:
  US 20030217005A1
• Time in Patent Office: Days
• US Class Current: 705/43
• CPC Class Codes: G06F 16/95 Retrieval from the web
• CPC Class Codes: G06F 3/023 Arrangements for converting discrete items of information into a coded form, e.g. arrangements for interpreting keyboard generated codes as alphanumeric codes, operand codes or instruction codes
• CPC Class Codes: G06F 3/04895 Guidance during keyboard input operation, e.g. prompting
• CPC Class Codes: G06Q 20/00 Payment architectures, schemes or protocols apparatus for performing or posting payment transactions G07F7/08, G07F19/00; electronic cash registers G07G1/12
• CPC Class Codes: G06Q 20/042 characterized in that the payment protocol involves at least one cheque
• CPC Class Codes: G06Q 20/047 using payment protocols involving electronic receipts
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/1085 involving automatic teller machines [ATMs]
• CPC Class Codes: G06Q 20/18 involving self-service terminals [SST], vending machines, kiosks or multimedia terminals
• 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 30/06 Buying, selling or leasing transactions
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: G07F 19/20 Automatic teller machines [ATMs]
• CPC Class Codes: G07F 19/201 Accessories of ATMs
• CPC Class Codes: G07F 19/206 Software aspects at ATMs
• CPC Class Codes: G07F 19/211 Software architecture within ATMs or in relation to the ATM network
• CPC Class Codes: G07G 5/00 Receipt-giving machines cash registers giving receipts G07G1/00
• CPC Class Codes: H04L 63/0853 using an additional device, e.g. smartcard, SIM or a different communication terminal cryptographic mechanisms or cryptographic arrangements for entity authentication involving additional secure or trusted devices H04L9/3234
• CPC Class Codes: H04L 67/02 based on web technology, e.g. hypertext transfer protocol [HTTP]
• CPC Class Codes: H04L 67/12 specially adapted for proprietary or special-purpose networking environments, e.g. medical networks, sensor networks, networks in vehicles or remote metering networks
• CPC Class Codes: H04L 67/34 : involving the movement of software or configuration parameters network booting or remote initial program loading [RIPL] G06F9/4416
• CPC Class Codes: H04L 67/568 : Storing data temporarily at an intermediate stage, e.g. caching
• CPC Class Codes: H04L 69/329 : in the application layer [OSI layer 7]
• CPC Class Codes: H04L 9/40 : Network security protocols

Abstract

A system and method of providing an electronic transaction receipt from a cash dispensing ATM. A bank host computer is operable to submit the receipt to a system address of record with the bank. The address of record corresponds to an e-mail address, phone number or other address associated with an account involved in the transaction. The receipt may include an image or images associated with the transaction. Thus, a user of an ATM is able to receive an electronic receipt corresponding to the ATM transaction. The system may also operate to image deposited checks deposited at an ATM. Copies of the imaged checks and other information can be electronically sent to a maker, payee, a clearinghouse or banks involved with the transaction. The system may also operate to provide the user with blank checks in hard copy or virtual checks for transactions.

Claims

1. A method comprising:

a) dispensing cash from an automated banking machine to a user responsive to at least one instruction included in at least one markup language document.

b) sending at least one message to at least one remote system address associated with the user responsive to the dispense of cash in step (a).

2. The method of claim 1 and further comprising:

c) accepting a check with the automated banking machine;

d) generating an electronic image of at least a portion of the check with an imaging device in the banking machine.

3. The method according to claim 2 wherein (b) includes sending at least one message including the electronic image.

4. The method according to claim 1 prior to (b) further comprising:

c) presenting indicia corresponding to the at least one remote system address through an output device on the machine.

5. The method according to claim 4 further comprising:

d) receiving at least one input from the user through at least one input device on the machine confirming the at least one remote system address output in step (c).

6. The method according to claim 4 further comprising:

d) receiving at least one input from the user through at least one input device on the machine operative to change the at least one remote system address.

7. The method according to claim 2 wherein the check is associated with a payor, and further comprising:

e) enabling the payor to access the electronic image.

8. The method according to claim 7 wherein the check is drawn on an account with a payor bank, and further comprising:

f) operating the machine to cause the electronic image to be sent to the payor bank.

9. The method according to claim 8 further comprising:

reading indicia on the check with a transaction function device in the machine, wherein at least a portion of the indicia corresponds to the payor bank, and wherein in (f) the electronic image is caused to be sent to the payor bank responsive to the portion of the indicia.

10. The method according to claim 7 and prior to (e) further comprising:

operating the machine to include a digital watermark in the image.

11. The method according to claim 1 and further comprising:

capturing image data adjacent to the machine proximate to (a);

wherein in (b) the at least one message includes such image data.

12. The method according to claim 1 wherein in (b) the remote system address is associated with a bank associated with the user, and further comprising:

accessing data included in the at least one message by the user by contacting the bank.

13. The method according to claim 1 wherein in (b) the at least one remote system address comprises an e-mail address associated with the user.

14. The method according to claim 1 wherein in (b) the at least one remote system address comprises a voice mail address associated with the user.

15. The method according to claim 3 wherein in (b) the at least one message is an HTTP message.

16. The method according to claim 15 wherein in (b) the at least one message is sent through the Internet.

17. The method according to claim 1 and further comprising:

(c) receiving at least one input from the user through at least one input device, wherein in (b) the at least one remote system address corresponds to the at least one input from the user.

18. The method according to claim 17 wherein in (c) the at least one input includes data read from a card input to the machine by a user.

19. The method according to claim 18 wherein the data read from the card in (c) corresponds to at least one HTTP address, and wherein in (b) the at least one message is sent to the at least one HTTP address.

20. The method according to claim 17 and wherein the at least one input device comprises a check receiving device, and wherein the at least one remote system address corresponds to data included on a check received into the machine.

21. Apparatus comprising:

an automated banking machine including at least one computer, at least one cash dispenser in operative connection with the at least one computer, and at least one communications device in operative connection with the at least one computer, wherein the computer is operative to cause the cash dispenser to dispense cash responsive to at least one instruction included in at least one markup language document received by the machine, and to cause an account to be assessed for the cash dispensed, and to send at least one message to a remote system address associated with the account.

22. The apparatus according to claim 21 wherein the computer is operative to send the at least one message to a remote system address uniquely associated with the account.

23. The apparatus according to claim 21 wherein the at least one message comprises an HTTP message.

24. The apparatus according to claim 21 wherein the machine further comprises at least one output device and at least one input device in operative connection with the computer, and wherein the computer is operative to cause the remote system address to be included in an output through the output device, and to cause the at least one message to be sent to the remote system address responsive to at least one input through the at least one input device provided to the machine responsive to the output.

25. The apparatus according to claim 21 wherein the machine includes an imaging device operative to produce an electronic image of at least a portion of a check input to the machine, and wherein the at least one message includes the electronic image.

26. The apparatus according to claim 21 wherein the machine further comprises at least one input device, and wherein the remote system address corresponds to at least one input to the at least one input device.

27. The apparatus according to claim 26 wherein the at least one input device corresponds to a card reader and wherein the remote systems address corresponds to data read from a card by the card reader.

28. The apparatus according to claim 27 wherein the remote system address comprises an Internet address.

29. The apparatus according to claim 26 wherein the at least one input device comprises a device operative to read a check input to the machine, and wherein the remote systems address corresponds to indicia on a check input to the machine.

30. The apparatus according to claim 21 wherein the machine further comprises a check imaging device, and wherein the computer is operative to generate an electronic image of checks input to the machine.

31. The apparatus according to claim 21 wherein the machine comprises a check imaging device and wherein the computer is further operative to send an electronic image of at least one check to at least one remote system address.

32. The apparatus according to claim 31 wherein the computer is operative to cause a digital watermark to be included in the electronic image of the at least one check.

33. The apparatus according to claim 31 wherein the at least one check is drawn on an account with a payor bank, and wherein indicia on the at least one check corresponds to the payor bank, and wherein the computer is further operative to cause the electronic image to be sent to a remote system address associated with the payor bank responsive to the indicia included in the electronic image.

34. The apparatus according to claim 31 wherein the computer is operative to cause data corresponding to the electronic image to be stored in a data store, wherein a maker of the check is enabled to access the data corresponding to the electronic image in the data store.