Check accepting and cash dispensing automated banking machine system and method

• US 7,090,122 B1
• Filed: 09/16/2004
• Issued: 08/15/2006
• Est. Priority Date: 11/15/1996
• Status: Expired due to Fees

• Current Assignee: Diebold Nixdorf, Incorporated
• Original Assignee: Diebold Incorporated (Diebold Nixdorf, Incorporated)
• Inventors: Crews, Tim, Graef, H. Thomas, Blackson, Dale H., Laskowski, Edward L., Galloway, Todd, Barnett, Robert W., Ryan, Mike, Ward, Mark A., Brown, Martin J., Peters, David A., Kay, James R., McCarthy, William, Pahl, Matthew, Warren, Wayne, Bell, Victor
• Primary Examiner(s): Frech, Karl D.
• Application Number:
  US10/944,579
• Time in Patent Office: 698 Days
• Field of Search: 235/379, 705/42, 705/43, 705/44, 705/45, 902/3, 902/4, 902/5, 902/7, 902/9
• US Class Current: 235/379
• 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: 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 system and method includes ATMs which accept checks and dispense cash to users. The ATMs are operated to acquire image and magnetic data from deposited checks to determine the authority of a user to receive cash for such checks. The authority of the user is determined based on the user being associated in a data store with the maker of the check. The check cannot exceed certain programmed thresholds or be presented earlier than the expiration of a delay period from when a prior check from the same maker is presented. In exchange for acceptable checks cash is dispensed to the user from the ATM in exchange for the deposited check.

Claims

1. Apparatus comprising:

an automated banking machine including;

a user interface, the user interface including at least one first input device adapted to receive at least one identifying input from each user of the machine;

a cash dispenser, wherein the cash dispenser is selectively operative to dispense cash from the machine;

at least one check reading device in the machine, wherein the at least one check reading device is adapted to read indicia on checks input to an opening of the machine;

at least one check holding area in the machine;

at least one transport in the machine, wherein the at least one transport is operative to selectively move checks in the machine between the opening, the at least one check reading device and at least one check holding area;

at least one computer in operative connection with the banking machine, wherein the at least one computer is in operative connection with at least one data store;

wherein the at least one data store includes data corresponding to at least one authorized user and data corresponding to at least one authorized check maker, and data associating data representative of at least one authorized user and at least one authorized maker;

and wherein responsive to the machine receiving from a first user through the at least one first input device, at least one first identifying input corresponding to the first user, and reading through operation of the at least one check reading device a first check including indicia corresponding to a first maker, the at least one computer is operative responsive to data stored in the at least one data store to determine if the first user is an authorized user, the first maker is an authorized maker and the data corresponding to the first user is associated in the data store with the data corresponding to the first maker, and responsive to a determining that the first user is an authorized user, that the first maker is an authorized maker and that the data corresponding to the first user is associated in the data store with data corresponding to the first maker, the at least one computer is operative to cause the cash dispenser to operate to dispense cash to the first user and to cause the transport to move the check to the at least one check holding area in the machine.

2. The apparatus according to claim 1 wherein the at least one data store includes data representative of a prior time when a prior check including indicia associated with the first maker was cashed by the first user, and data representative of a delay period, and wherein the at least one computer is operative to determine if the first check is presented at a current time beyond the delay period from the prior time, and is operative to cause the at least one cash dispenser to operate, wherein cash is dispensed to the first user only if the current time is beyond the delay period from the prior time.

3. The apparatus according to claim 2 and further comprising a depository module in the machine, the depository module being in operative connection with the computer, and wherein the depository module includes the at least one check reading device, and wherein responsive to the at least one computer determining the current time is not beyond the delay period from the prior time, the computer is operative to cause the at least one transport to operate such that the first check is caused to be returned to the first user from the machine.

4. The apparatus according to claim 2 wherein the data representative of the delay period is associated in the at least one data store with at least one of the first user and the first maker.

5. The apparatus according to claim 4 wherein the data representative of the delay period is associated in the at least one data store with data representative of the first maker, and wherein the at least one data store includes data representative of a plurality of users correlated with the first maker, wherein each of the plurality of users is prevented from receiving cash from the machine in exchange for a check including indicia associated with the first maker for the delay period from the respective user'"'"'s prior time of receiving cash from a machine for the respective check having indicia associated with the first maker.

6. The apparatus according to claim 4 wherein the data representative of the delay period is associated in the at least one data store with the first user, and wherein the at least one data store includes data representative of a plurality of users correlated with the data representative of the first maker, wherein each of the plurality of users have different respective associated delay periods, wherein each of the plurality of users is subject to being prevented from receiving cash from the machine in exchange for a respective check having indicia associated with the first maker, responsive to the respective user'"'"'s associated delay period and the respective user'"'"'s prior time of receiving cash for providing a respective check having indicia associated with the first maker to the machine.

7. The apparatus according to claim 2 wherein the data representative of the prior time is indicative of no prior use of the machine by the first user, and wherein the at least one computer is operative responsive to the data representative of the prior time indicating no prior use to cause the cash dispenser to operate, wherein cash is dispensed to the first user.

8. The apparatus according to claim 7 wherein the at least one computer is operative to change data stored in the at least one data store to cause the data representative of the first user to be correlated with data representative of the first maker, responsive to the machine receiving a check from the first user including indicia associated with the first maker and the prior time being indicative of no prior use.

9. The apparatus according to claim 7 wherein the at least one check reading device is operative to read indicia on the first check corresponding to a first check amount, and wherein the at least one data store includes data representative of a maximum check amount associated with data representative of the first maker, and wherein the at least one computer is operative to cause the first check amount and the maximum check amount to be compared, and the at least one computer causes the machine to operate such that cash is dispensed to the first user only if the first check amount does not exceed the maximum check amount.

10. The apparatus according to claim 7 wherein the at least one computer is operative responsive to the dispense of cash to the first user to include in the at least one data store, data representative of a prior time, and wherein the at least one computer is operative to cause the first user to be prevented from receiving cash from the machine for a second check presented at a later time, responsive to the data representative of the prior time.

11. The apparatus according to claim 10 and further comprising an administrator station in operative connection with the at least one data store, wherein the administrator station is operative responsive to at least one input thereto to associate data associated with the first user and data associated with the first maker, and wherein after the data associated with the first user and first maker are associated in the at least one data store, the at least one computer is not operative to prevent the first user from receiving cash in exchange for a second check associated with the first maker presented at the machine.

12. The apparatus according to claim 2 wherein responsive to the machine dispensing cash to the first user, the at least one computer is operative to cause to be stored in the at least one data store, data representative of the current time as the prior time, for purposes of further transactions by the first user.

13. The apparatus according to claim 1 wherein the at least one check reading device is operative to read indicia in a micr line on the first check, and wherein the indicia included in the micr line is indicative of the first maker.

14. The apparatus according to claim 1 wherein the at least one check reading device is operative to read indicia corresponding to a first amount on the first check, and wherein the at least one computer is operative to cause the machine to dispense a value of cash to the first user responsive to the first amount.

15. The apparatus according to claim 14 wherein the at least one cash dispenser is adapted to dispense a plurality of different denominations of cash, and wherein the value of cash dispensed is above but as close to the first amount as can be constituted with cash denominations available in the machine.

16. The apparatus according to claim 14 wherein the at least one data store includes data representative of a maximum check amount associated with data representative of the first maker, and wherein the at least one computer is operative to cause cash to be dispensed to the first user only if the first amount does not exceed the maximum check amount.

17. The apparatus according to claim 14 wherein the at least one data store includes data representative of a maximum check amount associated with the data representative of the first user, and wherein the at least one computer is operative to cause cash to be dispensed form the machine to the first user only if the first amount does not exceed the maximum check amount.

18. The apparatus according to claim 1 wherein the at least one computer is operative responsive to data stored in the at least one data store, to determine that the first user is entitled to a monetary incentive, and to cause an additional amount to be dispensed to the first user from the machine in response thereto.

19. The apparatus according to claim 18 wherein the at least one database includes data representative of prior cashing of at least one check by the first user, and wherein the at least one computer is operative to determine that the first user is entitled to a monetary incentive responsive to the data representative of the prior cashing.

20. The apparatus according to claim 18 wherein the at least one data store includes data representative of at least one service charge and data representative of a plurality of users subject to at least one service charge, and wherein the at least one computer is operative responsive to at least one identifying input received from the first user to determine if the first user is subject to a service charge, and is operative to cause the service charge to be deducted from an amount dispensed from the machine to the user.

21. The apparatus according to claim 1 wherein the at least one data store includes data representative of at least one service charge and data representative of a plurality of users subject to at least one service charge, and wherein at least one computer is operative responsive to at least one identifying input received from the first user to determine that the first user is subject to a service charge, and wherein the at least one computer is operative to cause the service charge to be deducted from an amount dispensed from the machine to the first user.

22. The apparatus according to claim 1 and further comprising at least one administrator station in operative connection with the at least one data store, wherein data associated with the first user and data associated with the first maker are associated in the at least one data store through operation of the administrator station.

23. The apparatus according to claim 22 wherein the administrator station is operative to include in the at least one data store, data corresponding to a delay period, wherein the at least one computer operates to prevent the first user from receiving cash from the machine for a check input to the machine prior to expiration of the delay period from when the user previously received cash from the machine responsive to input of a check thereto.

24. The apparatus according to claim 22 wherein the administrator station is operative to include in the at least one data store, data representative of a maximum check amount, wherein the at least one computer operates to prevent the first user from receiving cash from the machine for checks in excess of the maximum check amount.

25. The apparatus according to claim 22 wherein the at least one input device includes a card reader operative to read card data included on cards, and wherein the administrator station is operative to include in the at least one data store, data representative of card data on cards that are usable at a machine to receive cash from the machine responsive to indicia included on checks read by the at least one check reading device.

26. The apparatus according to claim 22 wherein the at least one computer is operative to include in the at least one data store, data representative of checks presented by the first user at the machine, and wherein the at least one computer is operative to output at least one report at the administrator station, wherein the at least one report includes information on checks presented by the first user at the machine.

27. The apparatus according to claim 22 wherein the at least one computer is operative to include in the at least one data store, data representative of checks presented at the machine, and wherein the at least one computer is operative to output at least one report at the administrator station, wherein the at least one report includes information on checks presented at the machine.

28. The apparatus according to claim 27 and further comprising a plurality of automated banking machines, wherein each automated banking machine is in operative connection with the at least one computer, and wherein the at least one computer is operative to output at the administrator station at least one report, wherein the at least one report includes information concerning checks presented at each of the plurality of machines.

29. The apparatus according to claim 28 wherein the at least one computer is operative to output at the administrator station at least one report, wherein the at least one report includes information on cash available at each of the plurality of machines.

30. The apparatus according to claim 29 wherein the at least one report includes information corresponding to denominations of cash available for dispensing from at least one machine.

31. The apparatus according to claim 22 wherein the at least one check reading device is operative to provide data corresponding to an image of the first check, and wherein the at least one computer is operative to include data corresponding to the image in the at least one data store, and wherein the at least one computer is operative to provide the data corresponding to the image to at least one computer remote from the banking machine.

32. The apparatus according to claim 1 wherein the at least one check reading device is operative to produce data corresponding to an electronic image of the first check, and wherein the at least one computer is operative to store the data corresponding to the electronic image in the at least one data store.

33. The apparatus according to claim 32 wherein the at least one computer is operative to provide the data corresponding to the electronic image of the first check to at least one computer remote from the banking machine.

34. The apparatus according to claim 1 wherein the automated banking machine further includes a device operative to mark checks as cancelled, and wherein the at least one computer is operative responsive to cash being dispensed from the machine to the first user to cause the device to mark the first check as cancelled.