Automated banking machine system and method

• US 7,416,112 B2
• Filed: 04/03/2007
• Issued: 08/26/2008
• Est. Priority Date: 04/05/2006
• Status: Active Grant

• Current Assignee: Diebold Nixdorf, Incorporated
• Original Assignee: Diebold Self-Service Systems (Diebold Nixdorf, Incorporated)
• Inventors: Smith, Mark D., Ramachandran, Natarajan, Blackson, Dale H., Kolinski-Schultz, David E., Mateen, Atta
• Primary Examiner(s): Labaze, Edwyn
• Application Number:
  US11/732,370
• Publication Number:
  US 20070235520A1
• Time in Patent Office: 511 Days
• Field of Search: 235/379, 235/375, 235/381, 705/35, 705/39, 705/42, 705/44, 705/45, 209/583, 902/14
• 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 20/3221 Access to banking information through M-devices
• CPC Class Codes: G06Q 20/3223 Realising banking transactions through M-devices
• 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: G06Q 20/4016 involving fraud or risk level assessment in transaction processing
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: G06V 30/224 of printed characters having additional code marks or containing code marks
• CPC Class Codes: G07F 19/20 Automatic teller machines [ATMs]
• CPC Class Codes: G07F 19/201 Accessories of ATMs
• CPC Class Codes: G07F 19/203 Dispensing operations within ATMs dispensing in general G07D11/00
• CPC Class Codes: G07F 19/211 Software architecture within ATMs or in relation to the ATM network
• CPC Class Codes: G07F 7/04 by paper currency

Abstract

A card actuated automated banking machine (152, 198, 200) includes a plurality of transaction function devices. The transaction function devices include a card reader (170), a printer (174), a bill dispenser (176), a coin dispenser (178), a display (182), a check imaging device (186) and at least one processor (190). The automated banking machine is operative responsive to receiving a check and certification data to dispense cash in exchange for the check. The person presenting the check need not provide user identifying inputs through input devices in order to receive cash for the check. A check recipient prior to presenting the check for payment is also enabled to verify that the check will be paid through communication with at least one computer (204) through at least one consumer interface device (208).

Claims

1. Apparatus comprising:

an automated banking machine including;

a display;

at least one input device, wherein the at least one input device includes a card reader operative to read indicia corresponding to financial accounts from machine user cards;

a check reading device;

at least one cash dispenser;

at least one processor in the automated banking machine, wherein the at least one processor is in operative connection with the at least one cash dispenser, the check reading device, the at least one input device, and the display;

at least one financial account computer, wherein the at least one financial account computer is located remotely from the automated banking machine and is in operative communication with the automated banking machine, wherein the at least one financial account computer is in operative connection with at least one data store, wherein the at least one data store includes data corresponding to a plurality of financial accounts;

at least one consumer interface device in operative to communicate with the at least one financial account computers;

wherein the at least one consumer interface device is operative to receive from an account holder, data identifying a check drawn on an account of the account holder and a check amount associated with the check, wherein the account is one of the financial accounts;

wherein the at least one financial account computer is operative to determine whether the check can be validly written in the check amount based on information stored in the at least one data store;

wherein the at least one consumer interface device is operative to provide the account holder with certification data responsive to a positive determination by the at least one financial account computer that the check can be validly written in the check amount;

wherein input by a person of both the certification data to the at least one input device and the check to the check reading device is operative to cause delivery of cash corresponding to the check amount from the automated banking machine in exchange for the check without the automated banking machine reqiuiring data usable to identify the person.

2. The apparatus according to claim 1 wherein the at least one consumer interface device comprises a text messaging interface device.

3. The apparatus according to claim 1 wherein the at least one consumer interface device comprises an interactive voice response (IVR) interface device.

4. The apparatus according to claim 1 wherein the at least one consumer interface device comprises an Internet interface device.

5. The apparatus according to claim 1 wherein the at least one computer is operative to store in the at least one data store, the check identifying data corresponding to the check and the check amount, and wherein prior to the check being received in the automated banking machine, the at least one consumer interface device is operative responsive to receipt of data identifying the check and the certification data, and responsive to operation of the at least one financial account computer, to provide at least one output through the at least one consumer interface device indicative of whether the check can be exchanged for cash in the check amount.

6. The apparatus according to claim 5 wherein the at least one financial account computer is operative responsive to receipt from the account holder of the check identifying data through the at least one consumer interface device, to place a hold on value corresponding to the check amount in the one financial account associated with the account holder.

7. The apparatus according to claim 1 wherein the automated banking machine responsive to receiving the check, is operative responsive to operation of the check reading device and the at least one processor to generate image data corresponding to visual appearance of the check, and wherein the at least one processor is operative responsive to the image data to determine resolved data identifying the check.

8. The apparatus according to claim 7 wherein the resolved data identifying the check comprises data included in the at least one of a check number and a micr line on the check.

9. The apparatus according to claim 7 wherein the at least one processor is operative to cause the automated banking machine to communicate the resolved data to the at least one financial account computer, and wherein the automated banking machine is operative responsive to at least one communication with the at least one financial account computer to dispense cash corresponding to the check amount through operation of the at least one cash dispenser.

10. The apparatus according to claim 7 wherein the at least one processor is operative to further determine responsive to the image data, at least one resolved check amount, wherein the at least one processor is operative to cause the automated banking machine to send data corresponding to the at least one resolved check amount to the at least one financial account computer.

11. The apparatus according to claim 10 wherein the at least one financial account computer is operative to compare the at least one resolved check amount and the data corresponding to the check amount in the at least one data store.

12. The apparatus according to claim 11 wherein the at least one financial account computer is operative responsive to the at least one resolved check amount corresponding to the check amount, to communicate with the automated banking machine, wherein the communication is operative to cause the at least one cash dispenser to dispense cash corresponding to the check amount from the automated banking machine.

13. The apparatus according to claim 1 wherein the certification data comprises at least one code, wherein the at least one code is input to the automated banking machine through the at least one input device.

14. The apparatus according to claim 13 wherein the at least one consumer interface device comprises a telephonic interactive voice response (IVR) device, wherein the telephonic IVR device receives data corresponding to telephone key press inputs and provides audible outputs, wherein the audible outputs include the at least one code.

15. The apparatus according to claim 13 wherein the at least one consumer interface device comprises an interactive voice response (IVR) device, wherein the IVR device receives audible telephonic inputs and provides audible telephonic outputs, wherein the audible telephonic outputs include the at least one code.

16. The apparatus according to claim 1 wherein the at least one consumer interface device comprises a text messaging device, wherein the text messaging device receives text inputs and provides text outputs.

17. The apparatus according to claim 1 wherein the at least one consumer interface device comprises a web interface, wherein the web interface receives input data corresponding to a visual image of the check.

18. The apparatus according to claim 17 wherein the at least one financial account computer is operative to resolve at least one of data identifying the check and the check amount, responsive to the data corresponding to the visual image of the check.

19. The apparatus according to claim 1 wherein the at least one consumer interface device is operative to receive from the account holder, account holder identifying data, and wherein the at least one consumer interface device is operative to issue the certification data, wherein the certification data is issued responsive to the account holder identifying data stored in the at least one data store.

20. The apparatus according to claim 1 wherein no inputs to the card reader are required by the person to receive cash corresponding to the check amount from the automated banking machine in exchange for the check.

21. Apparatus comprising:

an automated banking machine including;

a display;

at least one input device,

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

wherein the card reader is operative to read indicia on cards,

 

wherein the indicia corresponds to financial accounts;

a check acceptor,

a check reader in operative connection with the check acceptor,

wherein the check reader is operative to read check data from checks received from machine users;

a cash dispenser;

at least one processor

wherein the at least one processor is in operative connection with the display, the at least one input device, the check reader, and the cash dispenser,

wherein the at least one processor is operative to cause the automated banking machine to carry out for a machine user, a check transaction which does not require the machine to receive any machine user identification input to carry out the check transaction,

wherein during the check transaction the at least one processor, responsive to check data read through operation of the check reader from a check received from the machine user, is operative to cause the cash dispenser to dispense to the machine user, cash corresponding to a check amount of the check.

22. The apparatus according to claim 21 wherein the at least one processor is operative to cause the check reader to read check data from the check and to receive certification data from the user through the at least one input device, and wherein the at least one processor is operative to cause the machine to operate to cause the cash dispenser to dispense cash responsive to the check data and the certification data.

23. The apparatus according to claim 22 and further comprising at least one financial account computer including at least one data store, wherein the at least one financial account computer is located remotely from the automated banking machine,

wherein the at least one processor is operative to cause data corresponding to the check data and the certification data to be sent to the at least one financial account computer,

wherein the at least one financial account computer is operative to compare at least one of the certification data and check data with data stored in the at least one data store, and wherein the at least one financial account computer is operative to communicate authorization data to the automated banking machine responsive to the comparison,

wherein the at least one processor is operative to cause the dispense of cash responsive to the communication of the authorization data.

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

at least one consumer interface device operative to communicate with the at least one financial account computer,

wherein the at least one consumer interface device is operative to receive check identifying data corresponding to the check from a maker of the check, and to communicate the certification data to the maker of the check.

25. The apparatus according to claim 24 where the at least one consumer interface device is operative to communicate the check identifying data to the at least one financial account computer, and the at least one financial account computer is operative responsive to the check identifying data, to resolve data corresponding to the certification data, and to store the data corresponding to the certification data and the check identifying data in the at least one data store.

26. The apparatus according to claim 25 wherein the check identifying data includes data corresponding to the account of the check maker and the check amount, and wherein the at least one financial account computer is operative to cause a hold to be placed on the account corresponding to the check amount.

27. The apparatus according to claim 26 wherein the at least one financial account computer is operative to deduct the check amount from the account responsive to the communication between the automated banking machine and the at least one financial account computer.

28. The apparatus according to claim 22 wherein the at least one consumer interface device is operative to receive data identifying the check and the certification data prior to the check being received by the automated banking machine, and wherein the at least one consumer interface device is operative responsive to the data identifying the check and the certification data, to provide at least one output indicative that the check may be exchanged for cash in the amount.

29. The apparatus according to claim 28 wherein the at least one consumer interface device comprises at least one of a telephonic interactive voice response (IR) device, a text message device, and a web interface.

30. The apparatus according to claim 22 wherein the certification data comprises at least one code representative of the check being pre-approved to be treated by the automated banking machine as a particular amount of cash.

31. The apparatus according to claim 21 wherein the check reader is operative responsive to operation of the at least one processor, to generate check image data corresponding to visual appearance of at least a portion of the check, and wherein the at least one processor is operative responsive to the check image data to resolve data corresponding to at least one of a check number, micr line data, and an amount of the check.

32. The apparatus according to claim 31

wherein the at least one processor is operative to cause the automated banking machine to communicate at least some of the resolved data to the at least one financial account computer,

wherein the at least one financial account computer is operative to compare at least some of the resolved data with check identifying data stored in at least one data store.

33. Apparatus comprising:

an automated banking machine,

wherein the automated banking machine is operative during a check cashing transaction to receive from a user of the automated banking machine, a paper check that was pre-approved to be treated by the automated banking machine as a particular amount of cash that corresponds to an amount indicated on the check,

wherein responsive to receiving the check, the automated banking machine is operative during the transaction to dispense the particular amount of cash to the user,

wherein the automated banking machine is operative to carry out the check cashing transaction without requiring any data related to identity of the user to allow the user to cash the check anonymously at the automated banking machine.

34. The apparatus according to claim 33 and further comprising a plurality of automated banking machines, wherein the plurality of automated banking machines includes the automated banking machine, wherein each of the plurality of automated banking machines is operative to carry out the check cashing transaction without requiring any data related to identity of a machine user to allow the machine user to cash the check anonymously at any of the plurality of automated banking machines.

35. Apparatus comprising:

an automated banking machine including;

a display,

at least one input device,

wherein the at least one input device is operative to receive inputs that correspond to financial accounts,

a check acceptor,

a check reader in operative connection with the check acceptor,

wherein the check reader is operative to read check data from checks received from machine users,

a cash dispenser,

at least one processor,

wherein the at least one processor is in operative connection with the display, the at least one input device, the check reader, and the cash dispenser,

wherein the at least one processor is operative to cause the automated banking machine to carry out for a machine user, a check transaction which does not require The machine to receive any machine user identification input personally associated with the machine user to carry out the check transaction,

wherein during the check transaction the at least one processor, responsive to check data read through operation of the check reader from a check received from the machine user, is operative to cause the cash dispenser to dispense to the machine user, cash corresponding to a check amount of the check.

36. The apparatus according to claim 35

wherein the at least one processor is operative to cause the automated banking machine to carry out the check transaction without requiring any data usable to identify the machine user,

wherein throughout the check transaction the machine user remains anonymous to the automated banking machine.