ACCEPTING A CHECK DEPOSIT FROM A MOBILE DEVICE IN COMMUNICATION WITH AN AUTOMATED TELLER MACHINE

• US 20140046842A1
• Filed: 08/09/2013
• Published: 02/13/2014
• Est. Priority Date: 08/09/2012
• Status: Active Grant

• Current Assignee: Diebold Nixdorf, Incorporated
• Original Assignee: Diebold Self-Service Systems (Diebold Nixdorf, Incorporated)
• Inventors: GRAEF, H. Thomas, IRUDAYAM, Sathish M., SCHOTT, Nicholas, MILLER, Willis, ZAUGG, Matthew R., BLOCK, James, RAMACHANDRAN, Natarajan, ENRIGHT, Jeffrey M., DOUGLASS, Mark A.
• Granted Patent: US 9,640,040 B2
• Time in Patent Office: Days
• US Class Current: 705/43
• CPC Class Codes: G06Q 20/042 characterized in that the payment protocol involves at least one cheque
• CPC Class Codes: G06Q 20/1085 involving automatic teller machines [ATMs]
• CPC Class Codes: G06Q 20/32 using wireless devices
• CPC Class Codes: G06Q 20/3223 Realising banking transactions through M-devices
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 20/401 Transaction verification
• CPC Class Codes: G06Q 20/4016 involving fraud or risk level assessment in transaction processing
• CPC Class Codes: G06Q 20/425 using two different networks, one for transaction and one for security confirmation
• CPC Class Codes: G07F 19/00 Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines data processing equipment for bank accounting G06Q40/02
• CPC Class Codes: G07F 19/202 Depositing operations within ATMs depositing in general G07D11/00

Abstract

An automated banking machine operates to cause financial transfers responsive at least in part to data read from data bearing records. The automated banking machine includes a card reader that is operative to read card data corresponding to financial accounts from user cards. The card data is linked in at least one data store to data indicating that the card data corresponds to a financial account that is authorized to be used to conduct at least one transaction through use of the automated banking machine. The automated banking machine may be used to carry out financial transfers involving financial accounts by users who are determined to be authorized users of such accounts. Data corresponding to a financial account can also be linked to a mobile wireless device so as to enable financial transfers by authorized users of such accounts.

Claims

1. An apparatus, comprising:

an automated banking machine that operates to cause financial transfers responsive at least in part to data read from data bearing records, the automated banking machine comprises;

a card reader operative to read card data from a card associated with a user that correspond to a financial account,

an input device operative to receive inputs from a user, a cash dispenser operative to selectively cause cash stored in the machine to be accessible to the associated user, and

an automated banking machine computer operatively coupled with the card reader and the input device,

wherein the automated banking machine computer is operable to obtain card data from a card associated with the associated user from the card reader, and determine from the card data a financial account for conducting a transaction;

wherein the automated banking machine computer is operable to receive data representative of a check from the input device; and

wherein the data representative of the check corresponds to check data that was sent from a mobile device to a remote computer associatively coupled with the automated banking machine computer via a communication path that does not include the automated banking machine.

2. The apparatus set forth in claim 1, the data representative of a check further comprises an amount.

3. The apparatus set forth in claim 1, wherein the input device further comprises an keypad for receiving data representative of an amount for the check.

4. The apparatus set forth in claim 1, wherein the input device further comprises a wireless receiver;

and

wherein the wireless receiver is operable to receive data representative of an amount for the check.

5. The apparatus set forth in claim 1, wherein the input device further comprises a bar code scanner;

and

wherein the bar code scanner is operable to receive the data representative of the check from the mobile device.

6. The apparatus set forth in claim 1, wherein the data representative of the check comprises data representative of an image of the check.

7. The apparatus set forth in claim 1, wherein the automated banking machine does not include a check imager.

8. The apparatus set forth in claim 1, wherein the automated banking machine computer is operable to send the data representative of the check to the remote computer.

9. The apparatus set forth in claim 1, wherein the automated banking machine computer is operable to send data representative of a credit for an amount of the check to the financial account.

10. The apparatus set forth in claim 1, further comprising a cash dispenser coupled with the automated banking machine computer;

wherein the automated banking machine computer is operable to dispense cash via the cash dispenser.

11. The apparatus set forth in claim 11, wherein the data representative of a check further comprises an amount of the check;

wherein the amount of cash dispensed corresponds to the amount of the check.

12. An apparatus, comprising:

an automated banking machine that operates to cause financial transactions responsive in part to data read from data bearing records, the automated banking machine comprises

a card reader operative to read card data from a card associated with a financial account associated with a user,

an input device operative to receive inputs from the user, and

an automated banking machine computer that is coupled with the card reader, an input device, and the output device;

wherein the automated banking machine computer obtains card data from the card reader and determines the financial account associated with the user; and

wherein the automated banking machine computer is operative to determine that a merchant affinity program associated with the card data; and

wherein the automated banking machine computer is operable to cause a promotional offer associated with the merchant affinity program to be output via the output device.

13. The apparatus set forth in claim 12, wherein the automated banking machine computer is operable to receive data representative of an acceptance of the promotional offer from the input device;

and

wherein the automated banking machine computer is operative associate the promotional offer with the financial account responsive to receiving the data representative of acceptance of the promotional offer.

14. An apparatus, comprising:

a processor coupled with a first network and a second network;

the processor is operable to perform a check cashing transaction initiated by a mobile device coupled with the first network, the mobile device sending data representative of a check;

the processor is operative to determine an amount of the check;

the processor is operative to receive transaction data for the check cashing transaction from an automated teller machine coupled with the second network, the transaction data comprising data representative of an account;

the processor is operative to correlate the data representative of a check sent from the mobile device with the transaction from the automated teller machine; and

the processor is operative to credit the account with the amount of the check responsive to successfully correlating the data representative of a check sent from the mobile device with the transaction from the automated teller machine.

15. The apparatus set forth in claim 14, wherein the transaction data comprises data representative of an amount of the check;

the computer is further operative to analyze the data representative of a check from the mobile device to determine an amount of the check; and

wherein the correlating the data representative of a check sent from the mobile device with the transaction from the automated teller machine further comprises determining whether the data representative of an amount of the check in the transaction data matches the amount of the check determined from the data representative of a check from the mobile device.

16. The apparatus set forth in claim 14, wherein the data representative of a check received from the mobile device comprises image data.

17. The apparatus set forth in claim 14, wherein the processor is operable to determine a routing number a account number for the check from the data representative of a check received from the mobile device comprises image data.

18. The apparatus set forth in claim 14, the processor is further operable to verify genuineness of the check.

19. An apparatus, comprising:

an image input device;

a user input device;

an output device;

a wireless transceiver; and

a processor coupled with the image input device, the output device, the user input device, and the wireless transceiver;

wherein the processor is operable to obtain data representative of an image of a check;

wherein the processor is operable to send data representative of a check to a remote computing device via a network associated with the wireless transceiver;

wherein the processor is operable to receive code data associated with the check via the wireless transceiver;

wherein the processor is operable to output via the output device data representative of the code data responsive to receiving an input from the user input device,

20. The apparatus set forth in claim 19, wherein the output device displays a two dimensional barcode corresponding to the data representative of the code device;

and

wherein the processor is operable to receive a confirmation that the output was received via the wireless transceiver.