CHECK CASHING AUTOMATED BANKING MACHINE
First Claim
1. A tangible, non-transitory computer readable medium of execution with instructions encoded thereon for execution by a processor, and when executed operable to:
- determine that a first card data read by a card reader associated with an automated banking machine corresponds to a financial account on which transactions are authorized to be conducted automatically through an operation of the automated banking machine, wherein the automated banking machine comprises the card reader, a display, and a check acceptor;
wherein the processor is associated with an automated banking machine;
obtain an electronic image corresponding to one side of a user input check from a check acceptor;
resolve check data from the electronic image, wherein the check data includes a check amount;
automatically cause the check amount to be credited to the financial account through the operation of a first transaction authorization computer remote from the automated banking machine;
obtain second card data read through the operation of the card reader, which second card data does not correspond to a financial account on which transactions are authorized to be conducted automatically through the operation of the automated banking machine, to be sent to a second transaction authorization computer remote from the machine that is different from the first transaction authorization computer.
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0 Petitions
Accused Products
Abstract
An automated banking machine is operated at least in part to data read from data bearing records. The machine is operative to carry out a financial transfer responsive at least in part to a determination that data read through a card reader of the machine corresponds to a financial account that is authorized to conduct a transaction through operation of the machine. The machine also includes a check acceptor operative to receive checks from machine users. The check acceptor is operative image checks and data resolved from check images is used in operation of the machine to cause financial transfers.
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Citations
15 Claims
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1. A tangible, non-transitory computer readable medium of execution with instructions encoded thereon for execution by a processor, and when executed operable to:
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determine that a first card data read by a card reader associated with an automated banking machine corresponds to a financial account on which transactions are authorized to be conducted automatically through an operation of the automated banking machine, wherein the automated banking machine comprises the card reader, a display, and a check acceptor; wherein the processor is associated with an automated banking machine; obtain an electronic image corresponding to one side of a user input check from a check acceptor; resolve check data from the electronic image, wherein the check data includes a check amount; automatically cause the check amount to be credited to the financial account through the operation of a first transaction authorization computer remote from the automated banking machine; obtain second card data read through the operation of the card reader, which second card data does not correspond to a financial account on which transactions are authorized to be conducted automatically through the operation of the automated banking machine, to be sent to a second transaction authorization computer remote from the machine that is different from the first transaction authorization computer. - View Dependent Claims (2, 3, 4, 5, 6, 7)
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8. A tangible, non-transitory computer readable medium of execution with instructions encoded thereon for execution by a processor, and when executed operable to:
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wherein the processor is associated with an intermediate computer that is operatively intermediate of an automated banking machine, a first transaction authorization computer, and a second transaction authorization computer; receive a message from the automated banking machine comprising a first card data read by a card reader associated with the automated banking machine, the first card data corresponds to a financial account on which transactions are authorized to be conducted automatically through an operation of the automated banking machine, wherein the automated banking machine comprises the card reader, a display, and a check acceptor; receive a message from the automated banking machine comprising an electronic image corresponding to one side of a user input check from a check acceptor; receive a message from the automated banking machine comprising check data resolved from the electronic image, wherein the check data includes a check amount; receive a message from the automated banking machine to credit the check amount to the financial account through operation of the first transaction authorization computer receive a message from the automated banking machine comprising second card data read through the operation of the card reader, which second card data does not correspond to a financial account on which transactions are authorized to be conducted automatically through the operation of the automated banking machine, to be sent to a second transaction authorization computer remote from the machine that is different from the first transaction authorization computer. cause messages received from the automated banking machine, to be selectively sent either the first transaction authorization computer and the second transaction authorization computer.
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9. A method, comprising:
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determining, by a processor associated with an automated banking machine, that a first card data read by a card reader associated with the automated banking machine corresponds to a financial account on which transactions are authorized to be conducted automatically through an operation of the automated banking machine, wherein the automated banking machine comprises the card reader, a display, and a check acceptor; obtaining an electronic image corresponding to one side of a user input check from a check acceptor; resolving check data from the electronic image, wherein the check data includes a check amount; automatically causing, by the processor, the check amount to be credited to the financial account through the operation of a first transaction authorization computer remote from the automated banking machine; obtaining, by the processor, second card data read through the operation of the card reader, which second card data does not correspond to a financial account on which transactions are authorized to be conducted automatically through the operation of the automated banking machine, to be sent to a second transaction authorization computer remote from the machine that is different from the first transaction authorization computer. - View Dependent Claims (10, 11, 12, 13, 14, 15)
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Specification