System and method for capturing and searching image data associated with transactions

• US 7,229,012 B1
• Filed: 12/07/2006
• Issued: 06/12/2007
• Est. Priority Date: 10/09/1998
• Status: Expired due to Fees

• Current Assignee: Diebold Nixdorf, Incorporated
• Original Assignee: Diebold Incorporated (Diebold Nixdorf, Incorporated)
• Inventors: Crane, David A., Enright, Jeffery M., Kortis, John, Drummond, Jay Paul, Thomas, Jeffrey R., Williams, Doug, Varn, Kenneth C., DiVita, Chris, Knouff, Christopher J., Mott, Michael, Kehner, Tom, Russell, Michael, Hathaway, Roy, Novitskey, Robert, Stephenson, Brad L., Goldring, Evan F., Martin, Kevin F.
• Primary Examiner(s): Lee, Michael G.
• Assistant Examiner(s): Haupt, Kristy A.
• Application Number:
  US11/635,914
• Time in Patent Office: 187 Days
• Field of Search: 235/379, 705/26, 705/43, 705/45
• 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 20/1085 involving automatic teller machines [ATMs]
• CPC Class Codes: G07F 19/00 Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines data processing equipment for bank accounting G06Q40/02
• CPC Class Codes: G07F 19/207 Surveillance aspects at ATMs

Abstract

A system and method is carried out in connection with a card actuated automated banking machine. The automated banking machine is operative to dispense cash to users. An imaging device in the automated banking machine is operative to capture data corresponding to images of checks. At least one computer in the automated banking machine operates to produce markup language documents including data corresponding to indicia included on checks received by the machine. Markup language documents produced by the automated banking machine are communicated to a remote check analysis terminal.

Claims

1. Apparatus comprising:

an automated banking machine including;

at least one input device, wherein the at least one input device includes a card reader;

a cash dispenser;

a document imaging device;

at least one computer, wherein the at least one computer is in operative connection with the at least one input device, the cash dispenser and the document imaging device;

wherein the at least one computer is operative to cause at least one image including indicia on a check, to be captured through operation of the document imaging device, and wherein the at least one computer is operative to cause the automated banking machine to produce at least one markup language document, wherein the at least one markup language document includes data corresponding to indicia on the check.

2. The apparatus according to claim 1 wherein the at least one computer is operative to cause the card reader to read data from a card, and wherein the at least one computer is operative to cause the card data read through operation of the card reader to be included in the at least one markup language document.

3. The apparatus according to claim 2 and further comprising at least one data store in the automated banking machine, wherein the at least one data store is in operative connection with the at least one computer, and wherein the at least one computer is operative to cause data corresponding to the at least one markup language document to be stored in the at least one data store.

4. The apparatus according to claim 3 wherein the at least one computer includes at least one server component, wherein the at least one server component is operative to cause the automated banking machine to communicate the at least one markup language document from the automated banking machine.

5. The apparatus according to claim 1 wherein the at least one computer includes at least one server component, wherein the at least one server component is operative to cause the automated banking machine to communicate the at least one markup language document from the automated banking machine.

6. The apparatus according to claim 5 and further comprising:

a terminal remote from the automated banking machine, wherein the terminal includes at least one terminal computer, wherein the at least one terminal computer is operative to cause the terminal to receive the at least one markup language document communicated by the automated banking machine.

7. The apparatus according to claim 6 wherein the at least one computer of the automated banking machine is operative to cause the automated banking machine to communicate image data to the terminal, wherein the image data corresponds to at least one captured image and wherein the terminal includes at least one terminal data store, wherein the at least one terminal data store is in operative connection with the at least one terminal computer, and wherein the at least one terminal computer is operative to cause the terminal to store the image data in the at least one terminal data store.

8. The apparatus according to claim 7 wherein the at least one terminal computer is operative to analyze the image data.

9. The apparatus according to claim 8 wherein the at least one terminal computer is operative to analyze the image data for genuineness.

10. The apparatus according to claim 5 wherein the at least one computer is operative to cause the automated banking machine to dispense cash through operation of the currency dispenser.

11. The apparatus according to claim 6 wherein the at least one terminal computer includes a browser component, wherein the browser component is operative to cause the at least one terminal computer to process the at least one markup language document.

12. The apparatus according to claim 8 wherein the at least one terminal computer includes a browser component, wherein the at least one terminal computer is operative to cause the at least one markup language document to be processed responsive to operation of the browser component.

13. The apparatus according to claim 12 wherein the at least one markup language document includes at least one XML document.

14. The apparatus according to claim 12 wherein the at least one computer is operative to cause the automated banking machine to include authenticating information with the at least one markup language document communicated by the automated banking machine, and wherein the terminal is operative to authenticate the authenticating information through operation of the at least one terminal computer.

15. Apparatus comprising:

a machine including;

at least one input device, wherein the at least one input device includes a card reader;

a document imaging device, wherein the document imaging device is operative to capture at least one image of a check responsive to at least one input to the at least one input device;

at least one computer, wherein the at least one computer is in operative connection with the at least one input device and the document imaging device, wherein the at least one computer is operative to cause the machine to produce at least one markup language document, wherein the at least one markup language document includes data corresponding to indicia included in at least a portion of the at least one image.

16. The apparatus according to claim 15 wherein the at least one computer is operative to cause the machine to communicate the at least one markup language document from the machine.

17. The apparatus according to claim 16 wherein the machine further includes a currency dispenser, wherein the at least one computer is in operative connection with the currency dispenser, and wherein the at least one computer is operative to cause the machine to dispense cash through operation of the currency dispenser.

18. The apparatus according to claim 16 and further comprising a check analysis terminal remote from the machine, wherein the check analysis terminal is operative to receive the at least one markup language document, wherein the check analysis terminal includes:

a display; and

at least one terminal computer;

wherein the at least one terminal computer is operative to cause indicia corresponding to data included with the at least one markup language document to be output through the display.

19. The apparatus according to claim 18 wherein the at least one terminal computer is operative to cause a visual representation of at least a portion of the check corresponding to the at least one captured image of the check, to be output through the display.

20. The apparatus according to claim 19 wherein the at least one computer is operative to include at least one authentication feature with the at least one markup language document communicated by the machine, and wherein the at least one terminal computer is operative to use the at least one authentication feature to analyze at least a portion of data received from the machine.

21. The apparatus according to claim 19 wherein the terminal includes at least one terminal input device, and wherein the at least one terminal computer is operative to cause the visual representation to be output through the display responsive to at least one input through the at least one terminal input device.

22. Apparatus comprising:

a terminal, wherein the terminal includes;

a display;

at least one terminal input device;

at least one terminal computer;

wherein the terminal is operative to receive at least one markup language document including data corresponding to indicia on at least one check received in an automated banking machine located remotely from the terminal, and wherein the at least one terminal computer is operative to cause the display to output indicia corresponding to data included with the at least one markup language document.

23. The apparatus according to claim 22 and further comprising:

an automated banking machine including;

at least one input device, wherein the at least one input device includes a card reader;

an imaging device, wherein the imaging device is operative to image a check;

at least one computer, wherein the at least one computer is in operative connection with the at least one imaging device and the at least one input device, and wherein the at least one computer is operative to cause the automated banking machine to communicate the at least one markup language document to the terminal.

24. The apparatus according to claim 23 wherein the automated banking machine further includes a currency dispenser, wherein the at least one computer is in operative connection with the currency dispenser, and wherein the at least one computer is operative to cause the automated banking machine to dispense cash through operation of the currency dispenser.

25. A method comprising:

receiving a check into an automated banking machine;

producing data corresponding to at least one image including indicia on the check, through operation of an imaging device of the automated banking machine;

producing at least one markup language document through operation of the automated banking machine, wherein the at least one markup language document includes data corresponding to at least some indicia on the check.

26. The method according to claim 25 and further comprising:

communicating the at least one markup language document from the automated banking machine to a terminal remotely located from the automated banking machine.

27. The method according to claim 26 and further comprising:

processing the at least one markup language document through operation of a browser operating in at least one terminal computer of the terminal;

outputting through a display in operative connection with the terminal, at least one visual output corresponding to data included with the at least one markup language document.