Method of evaluating checks deposited into a cash dispensing automated banking machine

• US 7,494,052 B1
• Filed: 03/08/2006
• Issued: 02/24/2009
• Est. Priority Date: 11/30/1999
• Status: Expired due to Fees

• Current Assignee: Diebold Nixdorf, Incorporated
• Original Assignee: Diebold Self-Service Systems (Diebold Nixdorf, Incorporated)
• Inventors: Crews, Tim, Laskowski, Edward L., Carpenter, Keith, Ryan, Mike, Ma, Songtao, Pathak, Rahul
• Primary Examiner(s): Lee; Seung H
• Assistant Examiner(s): Marshall; Christle I
• Application Number:
  US11/371,372
• Time in Patent Office: 1,084 Days
• Field of Search: 235379-385, 382135-180, 705 35- 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 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03
• CPC Class Codes: G07D 7/04 Testing magnetic properties of the materials thereof, e.g. by detection of magnetic imprint G07D7/01 takes precedence
• CPC Class Codes: G07D 7/12 Visible light, infrared or ultraviolet radiation
• CPC Class Codes: G07D 7/181 Testing mechanical properties or condition, e.g. wear or tear G07D7/16 takes precedence
• CPC Class Codes: G07D 7/183 Detecting folds or doubles
• CPC Class Codes: G07D 7/206 Matching template patterns
• 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 19/205 Housing aspects of ATMs

Abstract

An automated banking machine system and method includes ATMs which accept checks and dispense cash to users. The ATMs are operated to acquire image and magnetic data from deposited checks to determine the genuineness of checks and the authority of a user to receive cash for such checks. Cash may be dispensed to the user from the ATM in exchange for the deposited check. The ATMs dispense cash responsive to communications with a transaction host. The transaction host provides transaction identifying data to the ATM. The ATM sends the transaction identifying data and check images to an image and transaction data server for processing.

Claims

1. A method comprising:

a) moving a check across a magnetic sensor and at least one optical sensor, wherein the magnetic sensor comprises a plurality of sensor elements arranged consecutively along at least one column, wherein the check includes a front face and an opposed rear face, wherein at least the front face includes a plurality of zones, wherein the plurality of zones include a Magnetic Ink Character Recognition (MICR) zone adjacent an edge of the check;

b) acquiring magnetic signals from each sensor element as the check moves across the magnetic sensor;

c) acquiring optical signals associated with the check from the at least one optical sensor;

d) through operation of at least one processor in an automated banking machine, associating each zone as being one of at least two types of zones based on the magnetic signals acquired in (b), wherein the at least two types of zones include a first type and a second type, wherein an association with the first type of zone is indicative of the zone having a relatively larger surface area including relatively higher levels of measured magnetic signals associated therewith compared to an association with the second type of zone;

e) through operation of the at least one processor in the automated banking machine, performing a plurality of optical tests responsive to the optical signals, wherein each optical test produces a respective result indicative of whether or not the check corresponds to a statistically normal check for the respective optical test; and

f) through operation of the at least one processor in the automated banking machine, determining that the check is acceptable to be deposited into the automated banking machine responsive to the type of zone associated in (d) with each zone and responsive to the optical tests in (e).

2. The method according to claim 1, wherein in (e) at least one of the optical tests includes determining whether at least a portion of the check is at least one of undersized or oversized relative the respective at least one portion of statistically normal checks.

3. The method according to claim 2, wherein in (e) at least one of the optical tests includes determining whether at least one portion of the check is at least one of lighter and darker relative the respective at least one portion of statistically normal checks.

4. The method according to claim 1, wherein in (e) at least one of the optical tests includes determining whether at least one portion of the check is at least one of lighter and darker relative the respective at least one portion of statistically normal checks.

5. The method according to claim 1, wherein in (e) at least one of the optical tests includes determining whether at least one of printed text lines, and graphics on the check is oriented at a substantially skewed angle with respect to an edge of the check, wherein the respective at least one of the printed text, lines and graphics on statistically normal checks are substantially parallel to the respective edges of the statistically normal checks.

6. The method according to claim 1, wherein in (e) at least one of the optical tests includes determining whether the check includes at least one of horizontal streaks and vertical streaks.

7. The method according to claim 1, wherein in (e) at least one of the optical tests includes determining whether the check includes spot noise.

8. The method according to claim 1, wherein in (e) at least one of the optical tests includes determining whether the check includes at least one of folded corners, torn corners, and clipped corners.

9. The method according to claim 1, wherein in (e) at least one of the optical tests includes determining whether the check includes at least one of folded edges and torn edges.

10. The method according to claim 1, wherein in (e) at least one of the optical tests includes determining whether at least one of text and printed graphics are blurry.

11. The method according to claim 1, wherein (e) includes acquiring optical signals associated with the front face and the rear face of the check from the at least one optical sensor, wherein in (e) at least one of the optical tests includes determining whether at least one of text and graphics of the rear face is orientated with respect to at least one of text and graphics on the front face differently than the orientation between the at least one of text and graphics of the rear face and the at least one of text and graphics on the front face of statistically normal checks.

12. The method according to claim 11, wherein in (e) the at least one of the text and graphics on the rear face includes the endorsement lines.

13. The method according to claim 1, wherein in (e) at least one of the optical tests includes determining the presence of at least one of payor name, payor bank, date, payee, courtesy amount, legal amount, memo, signature, MICR, payee endorsement, bank of depositor endorsement, and transit endorsement on at least one of the faces of the check.

14. The method according to claim 1, wherein the optical signals correspond to at least one grayscale scan of at least one face of the check, further comprising:

g) prior to (e) through operation of the at least one processor, generating at least one black and white scan responsive to the at least one grayscale scan,

h) through operation of the at least one processor, communicating the at least one black and white scan to a remote computer.

15. The method according to claim 14, wherein (e) includes performing the plurality of optical tests on the at least one grayscale scan and the at least one black and white scan.

16. The method according to claim 15, wherein (g) includes generating a plurality of black and white scans for at least one face of the check, wherein each of the black and white scans and the at least one grayscale scans are comprised of a plurality of pixels, where each scan is generated responsive to the grayscale scan and a different respective threshold value, which threshold values respectively define differently which grayscale pixels in the at least one grayscale scan are converted to black pixels in the respective black and white scan, and which grayscale pixels in the at least one grayscale scan are converted to white pixels in the respective black and white scan, wherein (e) includes performing the plurality of optical tests on each of the black and white scans, further comprising:

i) prior to (h) determining a confidence level for each of the black and white scans responsive to the results of the optical tests performed on each respective black and white scan, wherein each respective confidence level is indicative of how many optical tests performed for the respective black and white scan are indicative of a statistically normal check;

wherein in (h) the at least one black and white scan communicated to the remote computer is selected from the plurality of black and white scans generated in (g) responsive to the confidence levels determined in (i) for black and white scans.

17. The method according to claim 1, further comprising

g) through operation of the at least one processor, determining an orientation of the check responsive to at least one of the magnetic signals acquired in (b) and the optical signals acquired in (c),

wherein (d) and (e) are performed responsive to the orientation of the check determined in (g).

18. The method according to claim 17, wherein (g) includes performing at least one optical test responsive to the optical signals and responsive to the orientation of the check being initially determined to be in a first orientation, wherein when a result of the least one test is consistent with the check being in the first orientation, the orientation determined in (g) is determined to correspond to the first orientation, wherein when a result of the least one test is not consistent with the check being in the first orientation, the orientation determined in (g) is determined to correspond to at least one of a second orientation, a third orientation, and a fourth orientation.

19. The method according to claim 18, wherein in (g) when a result of the least one test is not consistent with the check being in the first orientation, (g) further includes performing the at least one optical test responsive to the optical signals and responsive to the orientation of the check being determined to be in the second orientation, wherein when a result of the least one test is consistent with the check being in the second orientation, the orientation determined in (g) is determined to correspond to the second orientation, wherein when a result of the least one test is not consistent with the check being in the second orientation, (g) further includes performing the at least one optical test responsive to the optical signals and responsive to the orientation of the check being determined to be in the third orientation, wherein when a result of the least one test is consistent with the check being in the third orientation, the orientation determined in (g) is determined to correspond to the third orientation.

20. The method according to claim 19, wherein when a result of the least one test is not consistent with the check being in the third orientation, the orientation determined in (g) is determined to correspond to the fourth orientation.

21. The method according to claim 19, wherein the first, second, third, and fourth orientations correspond to different combinations of flipped positions and rotational positions of the check, wherein the flipped positions include a first flipped position in which the front face of the check faces in a first direction and a second flipped position in which the front face of the check faces in a second direction opposite the first direction, wherein the rotational positions include a first rotational position and a second rotational position, wherein the second rotational position corresponds to the check rotated substantially 180 degrees with respect to the first rotational position about an axis parallel to the first direction.

22. The method according to claim 18, wherein the optical test includes determining that at least one predetermined symbol is present on the check at a predetermined position.

23. The method according to claim 18, wherein the optical test includes determining that at least one symbol at a predetermined position on the check is printed with a font that corresponds to a predetermined font.

24. The method according to claim 1, further comprising:

g) prior to (a) acquiring magnetic signals from each sensor element as a test check moves across the magnetic sensor;

h) displaying through at least one output device at least one graph having three dimensions responsive to the magnetic signals acquired in (g), wherein a first dimension and a second dimension of the graph includes a visual representation of a surface area of at least one face of the check, wherein a third dimension of the graph includes a plurality of visual representations of the relative strength of magnetic signals associated with a plurality of locations on the surface area of the at least one face of the check;

i) determining correlations between areas on the test check and the at least two types of zones responsive to relative locations and strengths of magnetic signals on the test check displayed in the graph;

wherein (d) includes associating each zone as being one of the at least two types of zones responsive to the magnetic signals acquired in (b) and responsive to the correlations determined in (i).

25. A method comprising:

(a) moving a check across a magnetic sensor and at least one optical sensor, wherein the magnetic sensor comprises a plurality of sensor elements arranged consecutively along at least one column, wherein the check includes a front face and an opposed rear face, wherein at least the front face includes a plurality of zones, wherein the plurality of zones include a Magnetic Ink Character Recognition (MICR) zone adjacent an edge of the check;

(b) acquiring magnetic signals from each sensor element as the check moves across the magnetic sensor;

(c) acquiring optical signals associated with the check from the at least one optical sensor;

(d) through operation of at least one processor in an automated banking machine, associating each zone as being one of at least two types of zones responsive to the magnetic signals acquired in step (b), wherein the at least two types of zones include a first type and a second type, wherein an association with the first type of zone is indicative of the zone having a relatively larger surface area including relatively higher levels of measured magnetic signals associated therewith compared to an association with the second type of zone;

(e) generating at least one grayscale image of at least one face of the check;

(f) generating a plurality of different black and white images from the at least one grayscale image;

(g) performing a plurality of optical tests responsive to the optical signals, including performing a plurality of optical tests on each of the black and white images, wherein the optical tests produce a result indicative of whether or not the check corresponds to a statistically normal check; and

(h) through operation of the at least one processor in the automated banking machine, determining that the check is acceptable to be deposited into the automated banking machine responsive to the type of zone associated in step (d) with each zone and responsive to the optical tests in step (g).