Automated banking system for dispensing money orders, wire transfer and bill payment
First Claim
1. An unattended banking machine for performing a number of banking and other transactions by a user, said banking machine comprising:
- a cash acceptor for accepting cash from a user and for totalling the amount of cash received;
a cash dispenser for dispensing cash to a user;
a user interface and display operable by the user to select transactions, enter commands, and to receive information from the machine;
a card acceptor for receiving and verifying a qualified user'"'"'s card;
a receipt generator for generating receipts for the user including the total of the amount of cash received;
a document cashing apparatus including a document receiver in the machine;
a reader for reading the cash amount for the document; and
a signature verifier for examining the signature of the user on a document and for confirming if the signature is valid prior to dispensing cash to the user from the cash dispenser.
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Accused Products
Abstract
A method and apparatus are provided for conducting transactions through a financial network using a document such as a check or money order at an unattended automated machine. For security purposes a signature detector detects the signature and the user uses a card to operate the machine. A reader reads the amount on the document; and, for a check, the LAR and CAR amounts are compared. If the document is a money order, the user may be prompted to endorse the money order if the signature detector fails to detect a signature. A card writer writes an amount on the card related to the amount of the transaction being done and a calculator calculates the amount to be written on the card and subtracts a user'"'"'s service charge. A bill may be paid and a receipt generator will provide a receipt preferably showing payment of the bill and the service charge. If the check or money order is for an amount greater than the bill and service charge amounts, the card writer may write the difference on the card. A portion of the check or money order may also be deposited in the user'"'"'s account. A cash acceptor in the machine accepts cash and a cash dispenser may dispense cash.
183 Citations
33 Claims
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1. An unattended banking machine for performing a number of banking and other transactions by a user, said banking machine comprising:
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a cash acceptor for accepting cash from a user and for totalling the amount of cash received;
a cash dispenser for dispensing cash to a user;
a user interface and display operable by the user to select transactions, enter commands, and to receive information from the machine;
a card acceptor for receiving and verifying a qualified user'"'"'s card;
a receipt generator for generating receipts for the user including the total of the amount of cash received;
a document cashing apparatus including a document receiver in the machine;
a reader for reading the cash amount for the document; and
a signature verifier for examining the signature of the user on a document and for confirming if the signature is valid prior to dispensing cash to the user from the cash dispenser. - View Dependent Claims (2, 3, 4, 5, 6, 7)
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8. An automated banking system for receiving payment from a user and for wire transfer of funds to a transferee in a banking network, said system comprising:
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an automated machine having a card receiver for receiving a card which identifies the user as being qualified to use the banking network;
an input device to enter the amount to be transferred to another;
a keypad to enter the identity of the transferee'"'"'s account;
a payment acceptor for accepting payment by the user for the wire transfer;
a verifier to verify that the transferee has an account in the banking network; and
a communication system having a modem in the banking network for wire transfer through the banking network to the verified transferee'"'"'s account. - View Dependent Claims (9, 10, 11, 12, 13, 14, 15)
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16. An automated banking system for payment of bills through a bills payment network comprising:
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an automated machine having a card receiver for receiving the user'"'"'s card and for identifying the user as being qualified to use the machine;
a display for displaying a selection of bills payable through a bills payment network;
a selector operable by the user to select a bill to be paid from the bills being displayed;
the display displaying several methods of payment including payment by cash;
a reader for reading the amount of the bill and an identity of a bill payee;
a communications network including a modem for connection from the machine to a bills payment network;
a bill receiver for receiving and storing the bill being paid; and
a transaction recorder for recording the bill transaction and payment. - View Dependent Claims (17, 18, 19, 20)
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21. A method of providing an automated banking system machine with the capability of wire transfer of funds from a user to a transferee within the banking network, comprising:
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providing an automated machine having a card receiver for receiving a card which identifies the user as being qualified to use the machine and banking network;
putting into the machine an identification of the bank through which the transfer is to be made along with the account number of the transferee;
entering the amount to be wire transferred to the transferee;
providing the machine with a method of payment for the wire transfer; and
communicating through the bank system over a modem for wire transfer to the banking network to the verified transferee'"'"'s account in the receiving bank. - View Dependent Claims (22, 23, 24, 25, 26, 27, 28)
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29. A method for using an automated banking machine for the payment of bills through a bill payment network, comprising:
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providing an automated banking machine having a card receiver for receiving the user'"'"'s card and for identifying the user as being qualified to use the machine;
a display for displaying a selection of bill transactions that are available to be paid through a bills payment network connected to the automated machine;
manually selecting one of the bill transactions for paying a bill from those being displayed to the user;
displaying to the user several methods of payment including payment by cash;
inserting the bill into the machine for reading the amount of the bill and the identity of the bill payee;
communicating over communications network including a modem for connection from the machine to a bills payment network;
transmitting the information of payment being received from the user for the bill; and
storing the bill being paid in the machine. - View Dependent Claims (30, 31, 32, 33)
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Specification