Method of capturing and communicating correlated data of check transaction at card reading automated banking machine

• US 7,389,914 B1
• Filed: 06/11/2007
• Issued: 06/24/2008
• Est. Priority Date: 10/09/1998
• Status: Expired due to Fees

• Current Assignee: Diebold Nixdorf, Incorporated
• Original Assignee: Diebold Incorporated (Diebold Nixdorf, Incorporated)
• Inventors: Russell, Michael, Hathaway, Roy, Novitskey, Robert, Stephenson, Brad L., Goldring, Evan F., Martin, Kevin F., 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
• Primary Examiner(s): Lee, Michael G.
• Assistant Examiner(s): Haupt, Kristy A
• Application Number:
  US11/811,926
• Time in Patent Office: 379 Days
• Field of Search: 235/379, 235/380, 705/26, 705 43- 45, 348/161, 348/150
• 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: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• 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
• 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 receive checks and dispense cash to users. The automated banking machine is operative to capture images of users and received checks. The automated banking machine operates to produce markup language documents including data corresponding to indicia included on the received checks. The markup language documents are correlated with the user and check images. The markup language documents and the images of the checks and customers are communicated to a remote check analysis terminal.

Claims

1. A method comprising:

(a) operating an automated banking machine to receive check data from a machine user during a transaction, wherein the check data includes at least a check amount;

(b) operating the machine to generate at least one check image corresponding to check data received in step (a);

(c) operating the machine to produce at least one XML document including data corresponding to check data received in step (a), wherein the at least one XML document is correlated with the at least one check image generated in step (b); and

(d) communicating the at least one check image generated in step (b) and the at least one XML document produced in step (c) from the machine.

2. The method according to claim 1 wherein the machine includes a cash dispenser, at least one computer, a display screen, a card reader, and a biometric reader,

wherein the at least one computer is operative to cause card data received via the card reader to be compared with identification information in at least one database,

wherein a customer is authorized to use the machine responsive to correspondence between received card data and identification information,

wherein the at least one computer is operative to cause biometric data received via the biometric reader to be compared with biometric identification information in the at least one database,

wherein a customer is authorized to use the machine responsive to correspondence between received biometric data and biometric identification information,

wherein the at least one computer is operative to permit an authorized customer to use the machine to reallocate money among various financial accounts, and further comprising

(d) receiving with the machine, card data or biometric data from the machine user;

and

(e) responsive to step (d), determining that the machine user is an authorized user of the machine.

3. The method according to claim 1 and further comprising

(e) receiving with a server the at least one check image and the at least one XML document communicated in step (d), wherein the server is in operative connection with at least one data store.

4. The method according to claim 3 and further comprising

(f) determining that the check data received in step (a) is suspect;

(g) subsequent to step (f), operating a user terminal responsive to operator input to retrieve via the server the at least one check image received in step (e), wherein the terminal includes a browser and at least one display device, wherein the terminal is remotely located from the machine;

(h) operating the at least one display device to display the at least one check image retrieved in step (g);

(i) operating the terminal to retrieve at least one previously stored image from a verification data store, wherein the at least one previously stored image is associated with an account linked with the transaction;

(j) operating the at least one display device to display the at least one previously stored image retrieved in step (i); and

(k) manually comparing check image data displayed in step (h) to previously stored image data displayed in step (j).

5. The method according to claim 4 and further comprising

(m) prior to step (g), ending the transaction.

6. The method according to claim 4 and further comprising

(l) responsive to step (k), determining whether the check image data substantially corresponds to the previously stored image data;

(m) based on at least the determination in step (l), determining whether the transaction should voided; and

(n) responsive to a positive determination in step (m), causing the account to be debited an amount related to the check amount.

7. The method according to claim 4 wherein steps (h) and (j) result in the check image data and the previously stored image data being displayed side-by-side.

8. The method according to claim 4 wherein the at least one previously stored image includes at least one previously stored facial feature image, and further comprising

(l) capturing at least one user image corresponding to at least one facial feature of the user while the user is adjacent to the machine;

(m) determining whether user image data captured in step (m) substantially corresponds to previously stored facial feature image data.

9. The method according to claim 4

wherein the check data includes a check signature, wherein the at least one check image generated in step (b) includes at least one check signature image of the check signature,

wherein the at least one previously stored image includes at least one previously stored signature image,

and further comprising

(l) determining whether check signature image data substantially corresponds to previously stored signature image data.

10. The method according to claim 1 wherein step (a) includes receiving a document comprising a check with the machine from the user, wherein the check includes the check data.

11. The method according to claim 10 wherein the machine includes a document imaging device, wherein step (b) includes operating the document imaging device to capture at least one image of at least a portion of the check.

12. The method according to claim 10 wherein step (a) includes receiving the check during a check deposit transaction or a check cashing transaction.

13. A method comprising:

(a) operating at least one image capturing device to capture at least one customer image of a banking customer, wherein the at least one customer image includes at least one image of at least a facial feature of the banking customer, wherein a banking apparatus includes the at least one image capturing device;

(b) determining whether the at least one customer image captured in step (a) substantially corresponds to at least one stored customer image in at least one image data store;

(c) responsive to a positive determination in step (b),

(ci) producing at least one XML document including data corresponding to the banking customer, wherein the at least one XML document is correlated with at least one identifying image of the banking customer; and

(cii) communicating the at least one XML document produced in step (ci) and the at least one identifying image to at least one computer.

14. The method according to claim 13 wherein the banking apparatus comprises an automated banking machine that includes a cash dispenser, at least one computer, a display screen, a card reader, and a biometric reader,

wherein the at least one computer is operative to cause a customer account number read by the card reader to be compared with data store information in determining whether a customer is an authorized user of the machine,

wherein the at least one computer is operative to cause a customer input read by the biometric reader to be compared with data store biometric information in determining whether a customer is an authorized user of the machine,

wherein an authorized customer is permitted to use the machine to reallocate money among various financial accounts,

and further comprising

(d) using at least one of the card reader and the biometric reader in determining whether the banking customer is authorized to use the machine.

15. The method according to claim 13 wherein the at least one identifying image comprises the at least one customer image captured in step (a), and wherein step (cii) includes communicating the at least one customer image captured in step (a).

16. The method according to claim 13 wherein the at least one identifying image comprises the at least one stored customer image, and wherein step (cii) includes communicating the at least one stored customer image.

17. The method according to claim 13 wherein step (cii) includes communicating the at least one XML document produced in step (ci) and the at least one identifying image to at least one banking authority affiliated with the banking apparatus.

18. The method according to claim 17

wherein the determining in step (b) is performed remote from the banking apparatus,

wherein the at least one identifying image comprises at least one suspect customer image, wherein step (cii) includes communicating the at least one suspect customer image to the at least one banking authority.

19. The method according to claim 13 wherein the banking apparatus comprises an automated banking machine that includes a cash dispenser, and further comprising

(d) responsive to a negative determination in step (b), allowing the banking customer to carry out a check transaction with the machine.

20. The method according to claim 19 and further comprising

(e) subsequent to step (d), operating the machine to receive check data from the banking customer during a check transaction, wherein the check data includes at least a check amount;

(f) operating the machine to generate at least one check image corresponding to check data received in step (e);

(g) operating the machine to produce at least one XML check document including data corresponding to check data received in step (e), wherein the at least one XML check document is correlated with the at least one check image generated in step (f); and

(h) communicating the at least one check image generated in step (f) and the at least one XML check document produced in step (g) from the machine.

21. At least one article including computer readable media operative to cause at least one automated banking machine computer to carry out a method comprising:

(a) operating an automated banking machine to receive check data from a machine user during a transaction, wherein the check data includes at least a check amount;

(b) operating the machine to generate at least one check image corresponding to check data received in step (a);

(c) operating the machine to produce at least one XML document including data corresponding to check data received in step (a), wherein the at least one XML document is correlated with the at least one check image generated in step (b); and

(d) communicating the at least one check image generated in step (b) and the at least one XML document produced in step (c) from the machine.