ACCEPTING A CHECK DEPOSIT FROM A MOBILE DEVICE IN COMMUNICATION WITH AN AUTOMATED TELLER MACHINE
First Claim
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, andan 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.
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Accused Products
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.
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Citations
20 Claims
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1. An apparatus, comprising:
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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. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10)
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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.
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12. An apparatus, comprising:
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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. - View Dependent Claims (13)
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14. An apparatus, comprising:
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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. - View Dependent Claims (15, 16, 17, 18)
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19. An apparatus, comprising:
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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, - View Dependent Claims (20)
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Specification