AUTOMATED BANKING SYSTEM FOR DISPENSING MONEY ORDERS, WIRE TRANSFER AND BILL PAYMENT
First Claim
1. An automated banking system for payment of bills through a bills payment network comprising:
- an automated machine having a card receiver for receiving a user'"'"'s card and for identifying a user as being qualified to use the automated machine;
a display for displaying a selection of bills payable through a bills payment network, the display displaying several methods of payment including payment by cash;
a selector operable by the user to select a bill to be paid from the bills being displayed;
a reader for reading an amount of the bill and an identity of a bill payee;
a communications network for connection from the automated machine to the bills payment network;
a bill receiver for receiving and storing the bill being paid; and
a transaction recorder for recording a bill transaction and payment.
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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.
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Citations
10 Claims
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1. 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 a user'"'"'s card and for identifying a user as being qualified to use the automated machine; a display for displaying a selection of bills payable through a bills payment network, the display displaying several methods of payment including payment by cash; a selector operable by the user to select a bill to be paid from the bills being displayed; a reader for reading an amount of the bill and an identity of a bill payee; a communications network for connection from the automated machine to the bills payment network; a bill receiver for receiving and storing the bill being paid; and a transaction recorder for recording a bill transaction and payment. - View Dependent Claims (2, 3, 4, 5)
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6. A method for using an automated banking machine for payment of bills through a bill payment network, comprising:
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providing an automated banking machine having a card receiver for receiving a user'"'"'s card and for identifying a user as being qualified to use the automated machine; providing 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 a bill into the automated machine for reading an amount of the bill and an identity of a bill payee; communicating over a communications network for connection from the automated machine to the bills payment network; transmitting information of payment being received from the user for the bill; and storing the bill being paid in the machine. - View Dependent Claims (7, 8, 9, 10)
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Specification