Instant Funds Availability Notification and Fraud Detection
First Claim
Patent Images
1. A method, comprising:
- receiving a paper check at an automated teller machine (ATM);
indicating to a user at the ATM an amount of hold time of the check, the amount of hold time being based on the check.
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Abstract
Various aspects are directed to systems and processes for providing instant funds availability notification and/or real-time fraud detection in connection with a check image deposit, such as a check deposit at an image automated teller machine (ATM). The customer may, for instance, receive the notification on an ATM display and/or on a paper receipt printed by the ATM.
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Citations
20 Claims
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1. A method, comprising:
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receiving a paper check at an automated teller machine (ATM); indicating to a user at the ATM an amount of hold time of the check, the amount of hold time being based on the check. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8)
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9. A method, comprising:
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receiving first data representing an image deposit including an image of a check; determining a first amount of a hold time of the check based on the image; and generating second data representing the amount of hold time. - View Dependent Claims (10, 11, 12, 13, 14, 15)
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16. An apparatus, comprising;
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a user output device; a scanner configured to generate an image by scanning a paper check; a communication interface configured to communicate with a network external to the apparatus; and a controller configured to cause the communication interface to send to the network first data representing the image and to receive from the network second data representing an amount of hold time of the check, and to cause the user output device to indicate the amount of hold time. - View Dependent Claims (17, 18)
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19. A computer-readable medium storing computer-executable instructions for performing a method, the method comprising:
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sending to a network first data representing an image of a paper check; receiving from the network second data representing an amount of hold time of the check; and causing an indication of the amount of hold time to be presented by a user output device. - View Dependent Claims (20)
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Specification