Methods of operating a self-service check depositing terminal to deposit a plurality of checks in a single deposit transaction

• US 20080097907A1
• Filed: 10/24/2006
• Published: 04/24/2008
• Est. Priority Date: 10/24/2006
• Status: Abandoned Application

• Current Assignee: NCR Corporation (NCR Voyix Corporation)
• Original Assignee: NCR Corporation (NCR Voyix Corporation)
• Inventors: Updike, Malon Sim, Till, Ronald Ian, Roe, Cheri Lynn
• Application Number:
  US11/585,730
• Publication Number:
  US 20080097907A1
• Time in Patent Office: Days
• US Class Current: 705/45
• 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]
• CPC Class Codes: G07F 19/202 Depositing operations within ATMs depositing in general G07D11/00

Abstract

A method is provided of operating a self-service check depositing terminal having a single-check acceptor. The method comprises receiving a request from a depositor to conduct a check deposit transaction to deposit a plurality of checks, after receiving the request, obtaining an authorization to allow the depositor to conduct the check deposit transaction to deposit the plurality of checks, after obtaining the authorization, sequentially receiving the plurality of checks from the depositor, and after receiving the plurality of checks, providing a single check deposit transaction message to allow the check deposit transaction to be completed.

Claims

1. A method of operating a self-service check depositing terminal having a single-check acceptor, the method comprising:

receiving a request from a depositor to conduct a check deposit transaction to deposit a plurality of checks;

after receiving the request, obtaining a single authorization to allow the depositor to conduct the check deposit transaction to deposit the plurality of checks;

after obtaining the single authorization, sequentially receiving the plurality of checks from the depositor; and

after receiving the plurality of checks, providing a single check deposit transaction message to allow the check deposit transaction to be completed.

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

sequentially receiving the amount of each of the plurality of checks;

combining the amounts of the plurality of checks to provide a combined amount; and

providing the combined amount to allow the check deposit transaction to be completed.

3. A method of operating a self-service check depositing terminal, the method comprising:

receiving a request from a depositor to deposit a first check item and a second check item;

in response to receiving the request from the depositor to deposit the first and second check items, obtaining a single authorization to allow the depositor to deposit the first and second check items;

presenting a first display screen to allow the depositor to enter the amount of the first check item to be deposited;

receiving the amount of the first check item entered by the depositor;

after receiving the amount of the first check item, receiving the physical first check item from the depositor;

after receiving the physical first check item from the depositor, presenting a second display screen to allow the depositor to enter the amount of the second check item to be deposited;

receiving the amount of the second check item entered by the depositor;

after receiving the amount of the second check item, receiving the physical second check item from the depositor,

after receiving the physical second check item from the depositor, combining the amount of the first check item and the amount of the second check item to provide a total amount of the first and second check items; and

providing a transaction message along with the total amount of the first and second check items.

4. A method according to claim 3, further comprising:

transmitting the transaction message along with the total amount of the first and second check items to a financial institution.

5. A method of operating an automated teller machine (ATM) having a single-check acceptor, the method comprising:

receiving a request from an ATM customer to conduct a check deposit transaction to deposit a plurality of checks;

after receiving the request, obtaining from an ATM host processor single authorization to allow the ATM customer to conduct the check deposit transaction to deposit the plurality of checks;

after obtaining the single authorization, sequentially receiving the plurality of checks from the ATM customer via the single-check acceptor; and

after receiving the plurality of checks, sending to the ATM host processor a check deposit transaction message to allow the ATM host processor to complete the check deposit transaction.

6. A method according to claim 5, further comprising:

sequentially receiving the amount of each of the plurality of checks;

combining the amounts of the plurality of checks to provide a total amount of the plurality of checks; and

sending the total amount to the ATM host processor.

7. A method of operating an automated teller machine (ATM) having a single-check acceptor, the method comprising:

receiving a request from an ATM customer to conduct a check deposit transaction to deposit a plurality of checks;

after receiving the request, obtaining from an ATM network a single authorization to allow the ATM customer to conduct the check deposit transaction to deposit the plurality of checks;

after obtaining the single authorization, sequentially receiving the plurality of checks from the ATM customer via the single-check acceptor; and

after receiving the plurality of checks, sending to the ATM network a check deposit transaction message to allow the ATM network to complete the check deposit transaction.

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

sequentially receiving the amount of each of the plurality of checks;

combining the amounts of the plurality of checks to provide a total amount of the plurality of checks; and

sending the total amount to the ATM network.