Cash dispensing and check accepting ATM and method
First Claim
Patent Images
1. Apparatus comprising:
- a first computer and at least one data store, wherein the first computer is in operative connection with the at least one data store and at least one network, wherein the at least one network is operatively connected to a plurality of ATMs, each ATM including a check imaging device and a cash dispenser,wherein the at least one data store includes data corresponding to a plurality of check receiving transactions conducted at the plurality of ATMs, and wherein for each check receiving transaction the data includes in stored linked relation;
data corresponding to transaction identifying data received by the respective ATM conducting the transaction from a second computer disposed from the respective ATM other than the first computer, wherein the respective ATM dispenses cash responsive to messages received from the second computer, anddata corresponding to an image of at least one side of the respective check received in the respective transaction,wherein the first computer operates to make data corresponding to a plurality of check receiving transactions selectively available to at least one other computer,wherein the first computer enables retrieval by the at least one other computer from the at least one data store of the data corresponding to an image of at least one side of a check received in a particular check receiving transaction based on the stored linked relation in the at least one data store of the data corresponding to the image of the at least one side of the check received in the particular check receiving transaction with the data corresponding to transaction identifying data received in the particular check receiving transaction.
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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 is then 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.
88 Citations
22 Claims
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1. Apparatus comprising:
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a first computer and at least one data store, wherein the first computer is in operative connection with the at least one data store and at least one network, wherein the at least one network is operatively connected to a plurality of ATMs, each ATM including a check imaging device and a cash dispenser, wherein the at least one data store includes data corresponding to a plurality of check receiving transactions conducted at the plurality of ATMs, and wherein for each check receiving transaction the data includes in stored linked relation; data corresponding to transaction identifying data received by the respective ATM conducting the transaction from a second computer disposed from the respective ATM other than the first computer, wherein the respective ATM dispenses cash responsive to messages received from the second computer, and data corresponding to an image of at least one side of the respective check received in the respective transaction, wherein the first computer operates to make data corresponding to a plurality of check receiving transactions selectively available to at least one other computer, wherein the first computer enables retrieval by the at least one other computer from the at least one data store of the data corresponding to an image of at least one side of a check received in a particular check receiving transaction based on the stored linked relation in the at least one data store of the data corresponding to the image of the at least one side of the check received in the particular check receiving transaction with the data corresponding to transaction identifying data received in the particular check receiving transaction. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20)
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21. Apparatus comprising:
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at least one ATM network, wherein the at least one ATM network includes a plurality of ATMs, wherein each ATM is operative to receive a check in a check receiving transaction, wherein each ATM includes a cash dispenser, wherein each ATM is operative to dispense cash responsive to messages received from a transaction host, wherein each ATM for a check receiving transaction is operative to receive from the transaction host, host-generated check transaction identifier data, wherein each ATM includes a check imaging device, wherein each check imaging device is operative to generate check image data corresponding to at least one image of at least one side of a check received in a check receiving transaction, wherein each ATM for each check receiving transaction is operative to link generated check image data to received check transaction identifier data, wherein each ATM is operative to send to a server, linked check image data and check transaction identifier data, at least one data store, wherein the at least one data store includes data store data corresponding to a plurality of check receiving transactions conducted at the plurality of ATMs, wherein for each check receiving transaction conducted at a respective ATM, the data store data includes in stored linked relation, data corresponding to the transaction identifier data and data corresponding to the check image data, a server, wherein the server is in operative connection with the at least one ATM network, wherein the server is operative to receive linked check image data and check transaction identifier data sent from each ATM, wherein the server is in operative connection with the at least one data store, wherein the server is operative to make the data corresponding to the plurality of check receiving transactions in the at least one data store selectively available to at least one other computer, wherein the server enables retrieval by the at least one other computer from the at least one data store of the data corresponding to the check image data of a particular check receiving transaction based on the stored linked relation in the at least one data store of the data corresponding to the check image data of the particular check receiving transaction with the data corresponding to check transaction identifier data of the particular check receiving transaction.
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22. Apparatus comprising:
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at least one ATM network, wherein the at least one ATM network includes a plurality of ATMs, wherein each ATM is operative to receive a check in a check receiving transaction, wherein each ATM includes a cash dispenser, wherein each ATM is operative to dispense cash responsive to messages received from a transaction host, wherein each ATM includes a check imaging device, wherein each check imaging device is operative to generate check image data corresponding to at least one image of at least one side of a check received in a check receiving transaction, wherein each ATM for each check receiving transaction is operative to link generated check image data to check transaction identifying data, wherein each ATM is operative to send to a server, linked check image data and check transaction identifying data, at least one data store, wherein the at least one data store includes data store data corresponding to a plurality of check receiving transactions conducted at the plurality of ATMs, wherein for each check receiving transaction conducted at a respective ATM, the data store data includes in stored linked relation, the transaction identifying data and the check image data, wherein the transaction identifying data includes each of
data corresponding to an ATM identifier associated with the respective ATM at which the respective check receiving transaction was conducted,
data corresponding to a transaction number generated by the transaction host and corresponding to the respective check receiving transaction,
data corresponding to a business date associated with the respective check receiving transaction,
data corresponding to a business entity responsible for operation of the respective ATM at which the respective check receiving transaction was conducted, and
data corresponding to a business entity providing a check cashing related service to the entity responsible for operation of the respective ATM at which the respective check receiving transaction was conducted,a server, wherein the server is in operative connection with the at least one ATM network, wherein the server is operative to receive linked check image data and check transaction identifier data sent from each ATM, wherein the server is in operative connection with the at least one data store, wherein the server is operative to make the data corresponding to the plurality of check receiving transactions in the at least one data store selectively available to at least one other computer, wherein the server enables retrieval by the at least one other computer from the at least one data store of the check image data corresponding to a particular check receiving transaction based on the stored linked relation in the at least one data store of the check image data corresponding to the particular check receiving transaction with the check transaction identifying data corresponding to the particular check receiving transaction.
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Specification
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Current AssigneeDiebold Nixdorf, Incorporated
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Original AssigneeDiebold Incorporated (Diebold Nixdorf, Incorporated)
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InventorsCrews, Tim, Blackson, Dale H., Galloway, Todd, Barnett, Robert W., Ryan, Mike, Ward, Mark A., Brown, Martin J., Peters, David A., Kay, James R., McCarthy, William, Pahl, Matthew, Warren, Wayne, Bell, Victor
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Primary Examiner(s)Cheung; Mary
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Assistant Examiner(s)FERTIG, BRIAN E
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Application NumberUS11/039,656Time in Patent Office1,672 DaysField of Search705 42- 45, 708131-132, 708/134, 434/107, 434/109, 434/433US Class Current705/43CPC Class CodesG06Q 20/042 characterized in that the p...G06Q 20/108 Remote banking, e.g. home b...G06Q 20/1085 involving automatic teller ...G06Q 20/40 Authorisation, e.g. identif...G07F 19/20 Automatic teller machines [...G07F 19/202 Depositing operations withi...
