Automated teller machine

• US 7,191,936 B2
• Filed: 12/08/2004
• Issued: 03/20/2007
• Est. Priority Date: 12/11/2003
• Status: Active Grant

• Current Assignee: NCR Corporation
• Original Assignee: NCR Corporation
• Inventors: Smith, Martin R., Paton, Grant C.
• Primary Examiner(s): Le; Thien M.
• Assistant Examiner(s): Labaze; Edwyn
• Application Number:
  US11/006,956
• Publication Number:
  US 20050127161A1
• Time in Patent Office: 832 Days
• Field of Search: 235/379, 235/380, 235/375, 235/381, 902/3, 902/8, 902/9, 902/5, 902/12, 705 43- 45
• 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 20/4014 Identity check for transactions
• CPC Class Codes: G07C 9/257 electronically G07C9/26 takes precedence
• 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 teller machine (10) comprises a fascia (12) having a check entry/exit slot (56), and a check processing module (60) for processing checks entered via the slot (56). The terminal (10) includes a control means (86), biometric data capture means (112, 156, 158), a printer (74) and a check transport mechanism (70) for transporting checks between the slot (56) and the printer (74). The control means is arranged to cause the printer (74) to print a representation of a biometric characteristic of a user onto a check during an attempt to deposit the check in the terminal (10).

Claims

1. A method of operating a self-service terminal, the method comprising:

receiving a financial instrument deposited by a user at the self-service terminal;

transporting the deposited financial instrument to a processing zone to determine if the deposited financial instrument is acceptable;

electronically acquiring a representation of a fingerprint of the user after the deposited financial instrument is determined to be acceptable;

printing the electronically-acquired representation of the fingerprint of the user on the deposited financial instrument; and

presenting the user with an image of the deposited financial instrument including the electronically-acquired representation of the fingerprint of the user;

wherein the printing of the electronically-acquired representation of the fingerprint of the user on the deposited financial instrument is carried out only if the deposited financial instrument is determined to be acceptable.

2. A method as claimed in claim 1, wherein the electronically-acquired representation of the fingerprint of the user comprises a naturalistic, human-readable representation of the user'"'"'s fingerprint.

3. A method as claimed in claim 1, wherein the electronically-acquired representation of the user'"'"'s fingerprint is machine-readable.

4. A method of operating an automated teller machine (ATM), the method comprising:

receiving a check deposited by an ATM customer;

transporting the deposited check to a check processing zone to determine if the deposited check is acceptable;

capturing a representation of a fingerprint of the ATM customer;

printing the captured representation of the fingerprint of the ATM customer on the deposited check if the deposited check is determined to be acceptable; and

presenting the ATM customer with an image of the deposited check including the captured representation of the fingerprint of the ATM customer.

5. A method as claimed in claim 4, wherein the captured representation of the fingerprint of the ATM customer comprises a naturalistic, human-readable representation of the ATM customer'"'"'s fingerprint.

6. A method as claimed in claim 4, wherein the captured representation of the ATM customer'"'"'s fingerprint is machine-readable.

7. A method as claimed in claim 4, further comprising:

dispensing cash to the ATM customer.

8. A method as claimed in claim 4, further comprising:

depositing cash in a financial institution account associated with the ATM customer.

9. A self-service terminal comprising:

means for receiving a financial instrument deposited by a user;

means for transporting the deposited financial instrument to a processing zone to determine if the deposited financial instrument is acceptable;

means for electronically acquiring a representation of a fingerprint of the user;

means for printing the electronically-acquired representation of the fingerprint of the user on the deposited financial instrument after the deposited financial instrument is determined to be acceptable; and

means for presenting the user with an image of the deposited financial instrument including the electronically-acquired representation of the fingerprint of the user.

10. An automated teller machine (ATM) comprising:

a fascia having a check entry/exit slot;

a check processing module for processing checks entered via the slot;

a printer;

a check transport mechanism for transporting checks between the slot and the printer;

a fingerprint image capture device for capturing a fingerprint of an ATM customer; and

a controller for (i) determining if a deposited check is acceptable, (ii) controlling the fingerprint image capture device to capture a fingerprint of an ATM customer and (iii) controlling the printer to print a representation of the captured fingerprint of the ATM customer user onto the check after the fingerprint of the ATM customer has been captured and if the deposited check has been determined to be acceptable.

11. An ATM as claimed in claim 10, further comprising a display screen which is controlled by the controller to present an ATM customer with an image of the deposited check including the representation of the captured fingerprint of the ATM customer.