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 a financial account on which transactions are authorized to be conducted automatically through an operation of an automated banking machine, wherein the automated banking machine comprises a display, a check acceptor, and a card reader;
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;
request identification of a user of the automated banking machine the form of card data responsive to the check amount exceeding a predetermined threshold amount; and
obtain card data read through the operation of the card reader;
verify the card data corresponds to an account holder of the financial account, the card data to be sent to a second transaction authorization computer remote from the machine that is different from a first transaction authorization computer; and
automatically cause the check amount to be credited to the financial account through the operation of the first transaction authorization computer remote from the automated banking machine responsive at least in part to verification of the card data.
23 Assignments
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
19 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 a financial account on which transactions are authorized to be conducted automatically through an operation of an automated banking machine, wherein the automated banking machine comprises a display, a check acceptor, and a card reader; 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; request identification of a user of the automated banking machine the form of card data responsive to the check amount exceeding a predetermined threshold amount; and obtain card data read through the operation of the card reader; verify the card data corresponds to an account holder of the financial account, the card data to be sent to a second transaction authorization computer remote from the machine that is different from a first transaction authorization computer; and automatically cause the check amount to be credited to the financial account through the operation of the first transaction authorization computer remote from the automated banking machine responsive at least in part to verification of the card data. - 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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determine a financial account on which transactions are authorized to be conducted automatically through an operation of an automated banking machine, wherein the automated banking machine comprises a display, a check acceptor, a card reader, and an image input device; 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; obtain card data read through the operation of the card reader, the card data corresponds to an account holder of the financial account and comprises an image of the account holder, the card data does not correspond to the financial, the card data to be sent to a second transaction authorization computer remote from the machine that is different from a first transaction authorization computer; obtain an image of a user of the automated banking machine via the image input device; obtain verification that the image of the user matches an image of the account holder obtained from the card data from the second transaction authorization computer; and automatically cause the check amount to be credited to the financial account through the operation of the first transaction authorization computer remote from the automated banking machine responsive at least in part to verifying the image of the user matches the image of the account holder. - View Dependent Claims (9, 10, 11, 12, 13, 14)
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15. 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 a financial account on which transactions are authorized to be conducted automatically through an operation of an automated banking machine, wherein the automated banking machine comprises a display, a check acceptor, a card reader, and an image input device; 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; obtain an image of a user of the automated banking machine via the image input device; send the image of the user to a remote, second transaction authorization computer that is different from a first transaction authorization computer; obtain verification that the image sent to the second transaction verification computer matches a previously stored image of the user in a data store associated with the second transaction authorization computer; and automatically cause the check amount to be credited to the financial account through the operation of the first transaction authorization computer that is remote from the automated banking machine responsive at least in part to verifying the image of the user matches the previously stored image. - View Dependent Claims (16, 17, 18, 19)
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Specification