Teller-assisted, customer-operated ATM check cashing system
First Claim
Patent Images
1. A check cashing system comprising:
- a machine for performing financial transactions including the dispensing of cash;
said machine having means for identifying a user of said machine, means for entering data about a check to be cashed, and means for receiving documents including a check to be cashed;
a teller station;
transport means for transporting documents including a check received at said receiving means to said teller station;
evaluating means at said teller station to assist a teller at said teller station in evaluating said check and said user;
said evaluating means including a display and a keyboard including function keys thereon; and
means for coupling said machine with said evaluating means to enable data entered at said machine to be displayed at said display and to initiate the dispensing of cash from said machine in response to an actuation of a selected one of said function keys upon a satisfactory evaluation of said check and said user.
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Accused Products
Abstract
A system of cashing checks which utilizes a customer-operated, automatic teller machine (ATM) in cooperation with a teller at a teller station. A document transport within the ATM is used to deliver the check and identification media to the teller. Data entered by the customer and MICR data read from the check are used to access stored data which is displayed at the teller station to assist the teller in evaluating the customer and the negotiability of the check. Upon a satisfactory evaluation, the teller actuates a function key at the teller station which enables the ATM to dispense the currency to the customer.
72 Citations
13 Claims
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1. A check cashing system comprising:
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a machine for performing financial transactions including the dispensing of cash;
said machine having means for identifying a user of said machine, means for entering data about a check to be cashed, and means for receiving documents including a check to be cashed;a teller station; transport means for transporting documents including a check received at said receiving means to said teller station; evaluating means at said teller station to assist a teller at said teller station in evaluating said check and said user;
said evaluating means including a display and a keyboard including function keys thereon; andmeans for coupling said machine with said evaluating means to enable data entered at said machine to be displayed at said display and to initiate the dispensing of cash from said machine in response to an actuation of a selected one of said function keys upon a satisfactory evaluation of said check and said user. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13)
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Specification