CHECK CASHING AUTOMATED BANKING MACHINE

• US 20180025336A1
• Filed: 09/19/2017
• Published: 01/25/2018
• Est. Priority Date: 03/12/2012
• Status: Active Grant

• Current Assignee: Diebold Nixdorf, Incorporated
• Original Assignee: Diebold Nixdorf, Incorporated
• Inventors: Block, James, GRAEF, H. Thomas, Magee, Paul D., Nelson, JR., Donald S., Meek, James, McINTYRE, Daniel S., DEPIETRO, Mark A., Ramachandran, Natarajan
• Granted Patent: US 10,176,466 B2
• Time in Patent Office: Days
• 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 20/308 using the Internet of Things
• CPC Class Codes: G06Q 20/409 Device specific authentication in transaction processing
• CPC Class Codes: G07F 19/20 Automatic teller machines [ATMs]
• CPC Class Codes: G07F 19/202 Depositing operations within ATMs depositing in general G07D11/00

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.

Claims

1. A tangible, non-transitory computer readable medium of execution with instructions encoded thereon for execution by a processor, and when executed operable to:

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 first card data read through the operation of the card reader;

verify the first 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;

obtain second data through operation of the card reader, the second card reader comprises a hologram;

verify the hologram is authentic; 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 first card data and verification that the hologram is authentic.

2. The computer readable medium according to claim 1,

wherein the automated banking machine further includes a cash dispenser;

wherein the instructions are further operable to cause the cash dispenser to operate to dispense a cash amount corresponding to the check amount responsive at least in part to the second transaction authorization computer.

3. The computer readable medium according to claim 2, wherein the second transaction authorization computer causes the cash dispenser operation responsive at least in part to at least one input received by the second authorization computer through an input device activated by a human service provider.

4. The computer readable medium according to claim 1,

wherein the card reader is configured to read data from a driver'"'"'s license;

and

wherein the first card data corresponds to data read from a driver'"'"'s license.

5. The computer readable medium according to claim 4,

wherein the automated banking machine is associated with a camera, wherein the camera has a field of view adjacent the machine;

and

wherein the instructions are further operable to enable signals corresponding to video to be communicated between the second transaction authorization computer and the machine, whereby two-way video communication with a service provider at the second transaction authorization can be conducted.

6. The computer readable medium according to claim 1,

wherein the automated banking machine further includes a printer;

wherein the instructions are further operable to cause the printer to print a document responsive at least in part to one of a group consisting of an automatic operation of the first transaction authorization computer, and at least one human provided input received through at least one input device in operative connection with the second transaction authorization computer.

7. The computer readable medium according to claim 1, further comprising:

a second card reader;

wherein the second card reader is operable to receive a card for determining the financial account on which transactions are authorized to be conducted automatically through operation of the automated banking machine.

8. A tangible, non-transitory computer readable medium of execution with instructions encoded thereon for execution by a processor, and when executed operable to:

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 first card data read through the operation of the card reader;

verify the first 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;

obtain second data through operation of the card reader, the second card reader comprises a bar code;

verify the bar code is authentic; 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 first card data and verification that the bar code is authentic.

9. The computer readable medium according to claim 8,

wherein the automated banking machine further includes a cash dispenser;

wherein the instructions are further operable to cause the cash dispenser to operate to dispense a cash amount corresponding to the check amount responsive at least in part to the second transaction authorization computer.

10. The computer readable medium according to claim 9, wherein the second transaction authorization computer causes the cash dispenser operation responsive at least in part to at least one input received by the second authorization computer through an input device activated by a human service provider.

11. The computer readable medium according to claim 8,

wherein the card reader is configured to read data from a driver'"'"'s license;

and

wherein the first card data corresponds to data read from a driver'"'"'s license.

12. The computer readable medium according to claim 11,

wherein the automated banking machine is associated with a camera, wherein the camera has a field of view adjacent the machine;

and

wherein the instructions are further operable to enable signals corresponding to video to be communicated between the second transaction authorization computer and the machine, whereby two-way video communication with a service provider at the second transaction authorization can be conducted.

13. The computer readable medium according to claim 8,

wherein the automated banking machine further includes a printer;

wherein the instructions are further operable to cause the printer to print a document responsive at least in part to one of a group consisting of an automatic operation of the first transaction authorization computer, and at least one human provided input received through at least one input device in operative connection with the second transaction authorization computer.

14. The computer readable medium according to claim 8, further comprising:

a second card reader;

wherein the second card reader is operable to receive a card for determining the financial account on which transactions are authorized to be conducted automatically through operation of the automated banking machine.

15. 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, the card data comprises first card data visible on the card and second card data encoded in a magnetic stripe;

verify the first card data matches the second card data;

verify the card data comprises data that 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.

16. The computer readable medium according to claim 15,

wherein the automated banking machine further includes a cash dispenser;

wherein the instructions are further operable to cause the cash dispenser to operate to dispense a cash amount corresponding to the check amount responsive at least in part to the second transaction authorization computer.

17. The computer readable medium according to claim 16, wherein the second transaction authorization computer causes the cash dispenser operation responsive at least in part to at least one input received by the second authorization computer through an input device activated by a human service provider.

18. The computer readable medium according to claim 15,

wherein the card reader is configured to read data from a driver'"'"'s license;

and

wherein the card data corresponds to data read from a driver'"'"'s license.

19. The computer readable medium according to claim 18,

wherein the automated banking machine is associated with a camera, wherein the camera has a field of view adjacent the machine;

and

wherein the instructions are further operable to enable signals corresponding to video to be communicated between the second transaction authorization computer and the machine, whereby two-way video communication with a service provider at the second transaction authorization can be conducted.

20. The computer readable medium according to claim 15,

wherein the automated banking machine further includes a printer;

wherein the instructions are further operable to cause the printer to print a document responsive at least in part to one of a group consisting of an automatic operation of the first transaction authorization computer, and at least one human provided input received through at least one input device in operative connection with the second transaction authorization computer.