Method of operating an image-based self-service check depositing terminal in response to a fault condition

• US 20060289630A1
• Filed: 06/22/2005
• Published: 12/28/2006
• Est. Priority Date: 06/22/2005
• Status: Active Grant

• Current Assignee: NCR Corporation
• Original Assignee: NCR Corporation
• Inventors: Morgan, John D., Lozier, Bradley L., Updike, Malon S.
• Granted Patent: US 7,461,773 B2
• Time in Patent Office: Days
• US Class Current: 235/379
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/042 characterized in that the payment protocol involves at least one cheque
• CPC Class Codes: G07F 19/20 Automatic teller machines [ATMs]

Abstract

A method is provided of operating an image-based check depositing terminal in response to a fault condition. The method comprises the steps of receiving a non-customer identification card from an individual who is other than a customer conducting a check deposit transaction at the check depositing terminal, reading from the card data which is associated with a financial institution, receiving from the individual a check which has been recovered from the terminal by the individual while clearing the fault condition, capturing an image of the check received from the individual, transporting the check to a check storage bin after the image of the check has been captured, and transmitting to the financial institution the captured image of the check together with the data which is associated with the financial institution. The method may further comprise the step of returning the non-customer identification card to the individual after the check has been transported to the check storage bin.

Claims

1. A method of operating an image-based check depositing terminal in response to a fault condition, the method comprising the steps of:

receiving a non-customer identification card from an individual who is other than a customer conducting a check deposit transaction at the check depositing terminal;

reading from the card data which is associated with a financial institution;

receiving from the individual a check which has been recovered from the terminal by the individual while clearing the fault condition;

capturing an image of the check received from the individual;

transporting the check to a check storage bin after the image of the check has been captured; and

transmitting to the financial institution the captured image of the check together with the data which is associated with the financial institution.

2. A method according to claim 1, further comprising the step of:

returning the non-customer identification card to the individual after the check has been transported to the check storage bin.

3. A method according to claim 1, wherein the data which is associated with the financial institution comprises an account number of a reconciliation account for free network images of the financial institution.

4. A method according to claim 1, wherein the data which is associated with the financial institution comprises a bank number.

5. A method according to claim 1, wherein the data which is associated with the financial institution comprises data which identifies the individual as an employee of a bank.

6. A method according to claim 1, wherein the data which is associated with the financial institution comprises data which identifies the individual as an employee of a third party transit company.

7. A method of operating an image-based check depositing terminal in response to a fault condition, the method comprising the steps of:

receiving a card from a bank employee who has responsibility for clearing the fault condition;

reading from the card data which is representative of an account number of a reconciliation account associated with a bank;

receiving from the bank employee a check which has been recovered from the terminal by the bank employee to clear the fault condition;

capturing an image of the check received from the bank employee;

transporting the check to a check storage bin after the image of the check has been captured; and

transmitting to the bank the captured image of the check together with the account number of the reconciliation account associated with the bank.

8. A method according to claim 7, further comprising the step of:

returning the card to the bank employee after the check has been transported to the check storage bin.

9. A method of operating an image-based check depositing terminal in response to a fault condition, the method comprising the steps of:

receiving a card from an employee of a third party transit company who has responsibility for clearing the fault condition;

reading from the card data which is representative of an account number of a reconciliation account associated with a financial institution;

receiving from the employee of the third party transit company a check which has been recovered from the terminal by the employee to clear the fault condition;

capturing an image of the check received from the employee of the third party transit company;

transporting the check to a check storage bin after the image of the check has been captured; and

transmitting to the financial institution the captured image of the check together with the account number of the reconciliation account associated with the financial institution.

10. A method according to claim 9, further comprising the step of:

returning the card to the employee of the third party transit company after the check has been transported to the check storage bin.