Check accepting and cash dispensing automated banking machine system and method

• US 7,140,539 B1
• Filed: 06/27/2005
• Issued: 11/28/2006
• Est. Priority Date: 11/30/1999
• 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, Carpenter, Keith, Barnett, Robert W., Ryan, Mike, Ward, Mark A., Brown, Martin J., Peters, David A., Kay, James R., Drozda, Laura, McCarthy, William, Pahl, Matthew, Warren, Wayne, Bell, Victor
• Primary Examiner(s): Stcyr, Daniel
• Assistant Examiner(s): TAYLOR, APRIL ALICIA
• Application Number:
  US11/168,028
• Time in Patent Office: 519 Days
• Field of Search: 235/379, 235/380, 235/375
• 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: 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 genuineness of checks and the authority of a user to receive cash for such checks. Cash may be dispensed to the user from the ATM in exchange for the deposited checks.

Claims

1. A method comprising:

(a) initiating a transaction session with a user at an automated banking machine including a cash dispenser;

(b) receiving at least one identifying input from the user through at least one input device of the automated banking machine during the transaction session;

(c) receiving at least one check from the user into the automated banking machine during the transaction session;

(d) scanning at least a portion of at least one face of the at least one check received in (c) to produce check image data;

(e) receiving from the user through at least one input device of the automated banking machine during the transaction session at least one check amount input value;

(f) subsequent to (e) operating the automated banking machine to close the transaction session with the user;

(g) subsequent to (f), analyzing through operation of the automated banking machine, image data associated with at least one check received in (c) to determine at least one face value associated with the at least one check.

2. The method according to claim 1 and further comprising:

(h) subsequent to (g), determining through operation of the automated banking machine a total face value associated with the at least one check received in (c) responsive to the at least one face value.

3. The method according to claim 2 and further comprising:

(i) subsequent to (h), comparing the at least one check amount input value and the total face value through operation of at least one processor in the automated banking machine.

4. The method according to claim 3 and further comprising:

(j) responsive to the comparison in (i) sending at least one message from the automated banking machine to a remote computer.

5. The method according to claim 4 wherein responsive to determining in (i) that the at least one check amount input value corresponds to the total face value, the at least one message in (j) is operative to cause at least one remote computer to credit the user the total face value.

6. The method according to claim 5 wherein (e) comprises receiving an amount input value corresponding to a face amount for each check received in (c), and receiving an input confirming a total of the amount input values, and wherein (f) comprises providing a screen output and printing a receipt through operation of the automated banking machine, and further comprising:

(j) prior to (f), dispensing cash having an associated cash value from the automated banking machine through operation of the cash dispenser;

(k) prior to (f), sending at least one cash dispense message from the automated banking machine to a remote computer, wherein the at least one cash dispense message is operative to cause a user to be charged the cash value;

(l) wherein in (d), the image data corresponds to an image of at least one face of at least one check received in (c) and including at least one authenticity feature with the image data through operation of at least one processor in the automated banking machine;

(m) sending at least one image message including image data including the at least one authenticity feature from the automated banking machine.

7. The method according to claim 1 and further comprising:

(h) subsequent to (g), comparing at least one face value to at least one check amount input value through operation of at least one processor in the automated banking machine.

8. The method according to claim 1 and further comprising:

prior to (f), storing the image data in a data store in the automated banking machine, wherein in (g) the image data in the data store is analyzed.

9. The method according to claim 1 wherein in (e) the at least one check amount input value received corresponds to a total value associated with all of the checks received in (c).

10. The method according to claim 1 wherein in (e) the at least one check amount input value corresponds to a per item value associated with each of the checks received in (c), and further comprising:

prior to (f), calculating a total value responsive to the per item value associated with each of the checks, through operation of at least one processor in the automated banking machine, and outputting through a screen on the automated banking machine indicia corresponding to the total value.

11. The method according to claim 1 wherein in (b) the at least one input corresponds to an account associated with the user, and further comprising:

(h) subsequent to (g), sending at least one message from the automated banking machine to a remote computer, wherein the at least one message is operative to cause a change in the account.

12. The method according to claim 1 and further comprising:

(h) prior to (f) dispensing cash to the user through operation of the cash dispenser in the automated banking machine.

13. The method according to claim 12 wherein in (h) the cash dispensed has a cash value, and further comprising:

prior to (f), sending at least one cash dispense message from the automated banking machine that is operative to cause the cash value to be assessed to the user.

14. The method according to claim 13 and further comprising:

(i) subsequent to (g), sending at least one check deposit message from the automated banking machine, wherein the at least one check deposit message is operative to cause the user to be credited with a credit value corresponding to the at least one face value.

15. The method according to claim 14 wherein in (d) the image data corresponds to an image of at least one side of the at least one check received by the automated banking machine in (c), and further comprising:

(j) subsequent to (f), sending from the automated banking machine at least one image message including image data corresponding to at least one face of at least one check.

16. The method according to claim 15 and further comprising:

(k) prior to (j), operating at least one processor in the automated banking machine to include at least one authenticity feature with the image data;

wherein the image data sent in (j) includes the at least one authenticity feature.

17. An article of computer readable media bearing instructions executable by at least one processor in an automated banking machine, wherein the at least one processor is operative responsive to the instructions to carry out the method steps recited in claim 1.

18. A method comprising:

(a) operating an automated banking machine to initiate a transaction session with an authorized user of the automated banking machine, wherein the automated banking machine includes a cash dispenser and at least one user input device;

(b) receiving at least one check from the authorized user into the automated banking machine during the transaction session;

(c) receiving from the authorized user via the at least one input device during the transaction session, a user-provided amount value corresponding to the at least one check received in (b);

(d) subsequent to step (c) operating the automated banking machine in closing the transaction session with the authorized user, including providing a transaction receipt; and

(e) subsequent to step (d), operating the automated banking machine to analyze indicia data of the at least one check received in (b) to determine a machine-provided amount value associated with the at least one check.

19. The method according to claim 18 wherein step (a) includes operating the automated banking machine to receive a card from the authorized user, and wherein step (d) includes operating the automated banking machine to return the card to the authorized user.

20. The method according to claim 18 wherein the indicia data comprises a check courtesy amount, wherein step (e) includes operating the automated banking machine to determine an amount written in a courtesy amount area of the at least one check.

21. A method comprising:

(a) initiating a communication session involving an automated banking machine and an authorized user of the automated banking machine, wherein the automated banking machine includes a cash dispenser, wherein the communication session includes a transaction;

(b) operating the automated banking machine to receive at least one financial check from the authorized user during the transaction;

(c) operating the automated banking machine to store therein the at least one financial check received in (b);

(d) operating the automated banking machine to receive from the authorized user during the transaction at least one inputted check amount corresponding to an inputted value of the at least one financial check received in (b);

(e) ending the communication session;

(f) subsequent to step (e), operating the automated banking machine to analyze data from the at least one financial check received in (b) to determine an analyzed value of the at least one financial check received in (b); and

(g) operating the automated banking machine to compare the inputted value to the analyzed value.