Cheque deposit at a self-service terminal

• US 7,424,969 B2
• Filed: 03/14/2005
• Issued: 09/16/2008
• Est. Priority Date: 03/16/2004
• Status: Active Grant

• Current Assignee: NCR Atleos Corp.
• Original Assignee: NCR Corporation (NCR Voyix Corporation)
• Inventors: Taylor, Norman G.
• Primary Examiner(s): Kim; Ahshik
• Application Number:
  US11/079,848
• Publication Number:
  US 20050205661A1
• Time in Patent Office: 1,282 Days
• Field of Search: 235/379, 235/381, 235/383, 705/43
• 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]

Abstract

A system and method for depositing a cheque at a self-service terminal such as an automated teller machine. The method comprises the steps of: transporting the cheque from an entrance slot to a process zone; determining whether to accept or reject the document; and electronically acquiring an image of the document. Thereupon the system identifies an electronic or telecommunications address of a device associated with the user; and in the event of accepting the document, transmits the acquired image of the cheque to the device address.

Claims

1. An Automated Teller Machine, ATM, comprising:

a) a fascia having a document entry/exit slot;

b) a document processing module for processing documents entered via the slot;

c) a transport mechanism for transporting documents within the terminal;

d) communication means; and

e) control means for causing the communications means

i) to identify an electronic or telecommunications address of a device associated with a user having no bank account accessible to the ATM, and

ii) to send an image of the deposited document to the user'"'"'s device address, following a successful attempt to deposit the document in the terminal.

2. ATM as claimed in claim 1, wherein the transport mechanism is arranged to transport unacceptable documents to a reject bin.

3. ATM as claimed in claim 1, wherein the transport mechanism is arranged to return unacceptable documents to the user.

4. ATM as claimed in claim 1, further comprising a display screen which is controlled by the control means arranged to present the user with an image of the deposited document, which can be compared with the image forwarded to the device address, during the deposit process.

5. ATM as claimed in claim 1, wherein the control means includes means for causing the communications means to identify an electronic or telecommunications address of a mobile telephone associated with the user.

6. ATM as claimed in claim 5, wherein the image is transmitted to the mobile telephone as an MMS message.

7. A method of operating an Automated Teller Machine, ATM, which is capable of depositing funds to a customer'"'"'s bank account when the customer submits a bank check to the ATM, comprising:

a) maintaining information which

i) identifies a non-customer, who does not maintain a bank account to which the ATM can deposit funds, and

ii) associates a receipt-address with the non-customer, which receipt-address receives electronic receipts;

b) receiving a check submitted by the non-customer;

c) using the information to identify the non-customer who submitted the check;

d) generating an electronic image of the check;

e) transmitting the electronic image to the receipt- address; and

f) dispensing cash to the non-customer.

8. Method according to claim 7, and further comprising:

f) displaying an image of the check to the non-customer at the ATM.

9. Method according to claim 7, in which the electronic image of the check includes both front and back sides of the check.

10. Method according to claim 7, wherein the receipt-address comprises a telephone number.

11. Method according to claim 7, and further comprising:

f) indicating to the non-customer that a surcharge is levied for cashing the check; and

g) inquiring whether the non-customer accepts the surcharge.

12. Method according to claim 7, in which the information also identifies types of checks which the non-customer will submit to the ATM.

13. A method of operating an Automated Teller Machine, ATM, which is capable of depositing funds to a customer'"'"'s bank account when the customer submits a bank check to the ATM, comprising:

a) at a relatively early time, accepting registration information from a non-customer who does not maintain a bank account accessible to the ATM, which registration information

i) identifies the non-customer and

ii) may also specify a receipt-address;

b) at a later time, in a transaction,

i) identifying the non-customer;

ii) accepting a bank check from the non-customer;

iii) generating an electronic image of the bank check;

iv) dispensing cash to the non-customer; and

v) transmitting the electronic image to the receipt-address, if specified.

14. Method according to claim 13, and further comprising:

vi) displaying the electronic image to the non-customer at the ATM.

15. Method according to claim 13, and further comprising:

vi) if a receipt-address is not contained in the information, prompting the non-customer to provide a receipt-address during the transaction.