Automated banking machine system and method

• US 7,686,211 B2
• Filed: 08/21/2008
• Issued: 03/30/2010
• Est. Priority Date: 04/05/2006
• Status: Active Grant

• Current Assignee: Diebold Nixdorf, Incorporated
• Original Assignee: Diebold Self-Service Systems (Diebold Nixdorf, Incorporated)
• Inventors: Ramachandran, Natarajan, Kolinski-Schultz, David E., Smith, Mark D., Blackson, Dale H., Mateen, Atta
• Primary Examiner(s): Labaze, Edwyn
• Application Number:
  US12/229,317
• Publication Number:
  US 20090057397A1
• Time in Patent Office: 586 Days
• Field of Search: 235/379, 235/375, 235/381, 705/35, 705/39, 705 42- 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 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. A method including operation of an automated banking machine that includes a card reader that operates to read data bearing records including user cards, and to provide cash to a machine user from the machine responsive at least in part to receipt of a financial check by the machine from the machine user, without the machine having received machine user identifying inputs,

comprising the steps of:

a) receiving from a machine user through operation of the automated banking machine, a financial check;

b) determining responsive at least in part to operation of a check reading device of the machine, indicia on the financial check received in (a);

c) receiving from the machine user through at least one input device of the machine, at least one input, wherein the at least one input does not include user identifying data;

d) operating the machine to cause a determination to be made that data corresponding to at least some of the indicia determined in (b) and the at least one input received in (c) have a corresponding relationship;

e) responsive at least in part to the determination in (d), causing operation of the machine to dispense cash to the machine user without the machine user having provided machine user identifying inputs to the machine.

2. The method according to claim 1 wherein (b) includes determining from the indicia, check identifying data and an amount associated with the financial check.

3. The method according to claim 2 wherein (c) includes receiving certification data from the machine user.

4. The method according to claim 3 wherein the automated banking machine includes a card reader operative to read data from user cards, and wherein the machine is selectively operative to read data from a user card corresponding to a financial account, dispense cash, and cause the financial account to be assessed for the cash dispensed,

and wherein during (a) through (e) the card reader does not read data from a card of the machine user.

5. The method according to claim 4, wherein the certification data includes a codes and wherein the automated banking machine includes a keypad, and wherein (c) includes receiving the code through the keypad.

6. The method according to claim 4 wherein in (b) the check identifying data determined includes at least one of a check number and data corresponding to at least one character in a micr line on the check.

7. The method according to claim 4 wherein (b) includes generating an electronic image of at least a portion of the check responsive to operation of the check reading device;

and further comprising;

f) operating the machine to send data corresponding to the electronic image of the check to at least one computer located remotely from the machine.

8. The method according to claim 4 wherein (d) includes sending at least some of the check identifying data determined in (b) and data corresponding to the certification data received in (c) from the automated banking machine to a remote computer, wherein the remote computer is located remotely from the machine, and is operative to determine the corresponding relationship.

9. The method according to claim 4 and further comprising:

f) prior to (a), with a financial account computer located remotely from the automated banking machine, receiving from an account holder on whose account the check is drawn, check identifying data corresponding to the financial check and an amount of the financial check.

10. The method according to claim 9 and further comprising:

g) prior to (a), operating the financial account computer to cause the certification data to be provided to the account holder on whose account the financial check is drawn.

11. The method according to claim 10, wherein the financial account computer is in operative connection with the automated banking machine,

wherein in (d) the financial account computer is operative to receive from the automated banking machine, data corresponding to at least some of the check identifying data determined in (b) and the certification data received in (c), and to make the determination, and wherein responsive at least in part to the determination the financial account computer is operative to send at least one message to the automated banking machine;

and wherein the automated banking machine is operative to dispense the cash to the machine user in (e) responsive at least in part to the at least one message sent by the financial account computer.

12. The method according to claim 10 and further comprising:

h) prior to (a), receiving through an interface device in operative connection with the financial account computer, data corresponding to at least some of the check identifying data and the certification data;

i) responsive to (h), determining through operation of the financial account computer that the received check identifying data has the corresponding relationship with to the certification data;

j) responsive at least in part to the determination in (i), causing at least one output through the interface device responsive to operation of the financial account computer, indicative that the check can be exchanged for cash in the amount.

13. The method according to claim 12 wherein in (h) the interface device includes a text message interface.

14. The method according to claim 12 wherein in (h) the interface device includes an interactive voice response (IVR) interface.

15. The method according to claim 12 wherein in (h) the interface device includes a Web interface.

16. The method according to claim 12 wherein in (h) the interface device includes an interface for a mobile phone.

17. The method according to claim 1, wherein the automated banking machine includes a card reader operative to read data from user cards, and wherein the machine is selectively operative to read data from a user card corresponding to a financial account, dispense cash, and cause a financial account to be assessed for the cash dispensed,

and wherein in (a) through (e) the card reader does not read data from a card of the machine user.

18. The method according to claim 1, wherein the automated banking machine includes a keypad, and wherein in (c) the at least one input includes a plurality of manual inputs through the keypad.

19. The method according to claim 1, wherein in (b) the check reading device is operative to generate an electronic image of at least a portion of the check;

and further comprising;

f) operating the automated banking machine to send data corresponding to the electronic image of the check to a computer remotely located from the machine.

20. The method according to claim 1, wherein in (b) the determined indicia includes at least one of a check amount, a check number, and at least one character included in a micr line on the check.

21. The method according to claim 1 and further comprising:

f) prior to (a), with a financial account computer remote from the automated banking machine, receiving from an account holder on whose account the check is drawn, data corresponding to the amount of the check.

22. The method according to claim 21 and further comprising:

g) prior to (a), and responsive at least in part to receipt of the check amount data in (f), operating the financial account computer to cause the account holder to receive data corresponding to the at least one input.

23. The method according to claim 21 wherein in (f) the financial account computer receives from the account holder check identifying data, wherein the check identifying data includes at least one of a check number and data corresponding to at least one character in a micr line of the check.

24. The method according to claim 23 wherein in (f) the check amount data is received by the financial account computer through an interface device, wherein the interface device includes a text message interface.

25. The method according to claim 23 wherein in (f) the check amount data is received by the financial account computer through an interface device, wherein the interface device includes a Web interface.

26. The method according to claim 23 wherein in (f) the check amount data is received by the financial account computer through an interface device, wherein the interface device includes an interactive voice response (IVR) interface.

27. The method according to claim 23 wherein in (f) the check amount data is received by the financial account computer through an interface device, wherein the interface device includes an interface with a mobile phone.

28. The method according to claim 1 and further comprising:

f) prior to (a), receiving through operation of a financial account computer remote from the automated banking machine, data corresponding to at least some of the indicia that will be determined through operation of the machine in (b) and data corresponding to at least one input that will be received by the machine in (c);

g) prior to (a) and responsive at least in part to the data received in (f), operating the financial account computer to cause at least one output indicative that the financial check may be exchanged for an amount associated with the financial check.

29. The method according to claim 28 wherein the automated banking machine is in operative connection with the financial account computer, and wherein (d) includes making the determination through operation of the financial account computer.

30. The method according to claim 29 wherein in (f) and (g), messages are received and sent respectively, by the financial account computer through an interface device.

31. The method according to claim 30 wherein in (f) and (g), the interface device comprises a text message interface.

32. The method according to claim 30 wherein in (f) and (g), the interface device comprises a web interface.

33. The method according to claim 30 wherein in (f) and (g), the interface device comprises an interface operative to communicate with a mobile phone.

34. At least one article bearing computer executable instructions, wherein the instructions are operative to cause operation of at least one computer in an automated banking machine, wherein the machine operates responsive to data bearing records to provide cash to machine users, wherein the instructions are operative to cause the at least one computer to cause the machine to carry out a method comprising the steps of:

a) receiving from a machine user through operation of the automated banking machine, a financial check;

b) determining responsive at least in part to operation of a check reading device of the machine, indicia on the financial check received in (a);

c) receiving from the machine user through at least one input device of the machine, at least one input, wherein the at least one input is not usable to identify the machine user;

d) operating the machine to cause a determination to be made that data corresponding to at least some of the indicia determined in (b) and the at least one input received in (c), have a predetermined relationship;

e) responsive at least in part to the determination in (d), causing operation of the machine to dispense cash from the machine to the machine user without the machine user having provided machine user identifying inputs to the machine.