Cheque deposit at a self-service terminal
First Claim
Patent Images
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 meansi) to identify an electronic or telecommunications address of a device associated with a user having no bank account accessible to the ATM, andii) 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.
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Accused Products
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.
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Citations
15 Claims
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1. An Automated Teller Machine, ATM, comprising:
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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. - View Dependent Claims (2, 3, 4, 5, 6)
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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:
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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. - View Dependent Claims (8, 9, 10, 11, 12)
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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:
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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. - View Dependent Claims (14, 15)
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Specification