Automated banking machine system and method
First Claim
1. A method comprising:
- (a) receiving from an account holder through a consumer interface device in operative connection with at least one financial account computer, data identifying a check and a check amount associated with the check of the account holder;
(b) determining through operation of the at least one financial account computer that the check can be validly drawn on the account in the check amount;
(c) responsive to the determination in (b), providing certification data to the account holder through the at least one consumer interface device, responsive to operation of the at least one financial account computer;
(d) responsive to operation of the at least one financial account computer, storing data corresponding to the check, the check amount and the certification data in at least one data store in operative connection with the at least one financial account computer;
(e) receiving in an automated banking machine remotely disposed from the at least one financial account computer, the check and at least one input corresponding to the certification data, without receiving through operation of any input devices on the automated banking machine user inputs which identify a person inputting the check to the automated banking machine;
(f) communicating data between the automated banking machine and the at least one financial account computer;
(g) determining through operation of at least one of the automated banking machine and the at least one financial account computer, that data corresponding to the check and the certification data received by the automated banking machine in (e), correspond to data stored in the at least one data store;
(h) responsive to the determination in (g) operating at least one cash dispenser of the automated banking machine to dispense cash to the person, wherein the dispensed cash has a value corresponding to the check amount.
21 Assignments
0 Petitions
Accused Products
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 coin dispenser (178), a display (182), a check imaging device (186) and at least one processor (190). The automated banking machine is operative responsive to receiving a check and certification data to dispense cash in exchange for the check. The person presenting the check need not provide user identifying inputs through input devices in order to receive cash for the check. A check recipient prior to presenting the check for payment is also enabled to verify that the check will be paid through communication with at least one computer (204) through at least one consumer interface device (208).
127 Citations
17 Claims
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1. A method comprising:
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(a) receiving from an account holder through a consumer interface device in operative connection with at least one financial account computer, data identifying a check and a check amount associated with the check of the account holder;
(b) determining through operation of the at least one financial account computer that the check can be validly drawn on the account in the check amount;
(c) responsive to the determination in (b), providing certification data to the account holder through the at least one consumer interface device, responsive to operation of the at least one financial account computer;
(d) responsive to operation of the at least one financial account computer, storing data corresponding to the check, the check amount and the certification data in at least one data store in operative connection with the at least one financial account computer;
(e) receiving in an automated banking machine remotely disposed from the at least one financial account computer, the check and at least one input corresponding to the certification data, without receiving through operation of any input devices on the automated banking machine user inputs which identify a person inputting the check to the automated banking machine;
(f) communicating data between the automated banking machine and the at least one financial account computer;
(g) determining through operation of at least one of the automated banking machine and the at least one financial account computer, that data corresponding to the check and the certification data received by the automated banking machine in (e), correspond to data stored in the at least one data store;
(h) responsive to the determination in (g) operating at least one cash dispenser of the automated banking machine to dispense cash to the person, wherein the dispensed cash has a value corresponding to the check amount. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8)
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9. A method comprising:
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a) communicating check identifying data from a maker of a check to at least one financial account computer, wherein the check identifying data includes data corresponding to a financial account associated with the maker and a check amount;
b) determining through operation of the at least one financial account computer responsive to the check identifying data communicated in (a), that the check can be paid from the account in the amount;
c) responsive to the determination in (b), generating certification data through operation of the at least one financial account computer;
d) communicating the certification data generated in (c) to the maker of the check, wherein the certification data enables a bearer of the check to exchange the check for cash corresponding to the check amount without a need for the bearer to provide information that identifies the bearer. - View Dependent Claims (10, 11, 12, 13, 14, 15, 16, 17)
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Specification