Method of evaluating checks deposited into a cash dispensing automated banking machine
First Claim
Patent Images
1. A method comprising:
- a) moving a check across a magnetic sensor in a cash dispensing automated banking machine, wherein the check has a width, wherein the check has a length in a first direction, wherein the magnetic sensor comprises a plurality of sensor elements arranged along at least one column extending generally transverse of the first direction, wherein the automated banking machine includes at least one processor;
b) acquiring magnetic signals from each sensor element as the check moves across the magnetic sensor, wherein the magnetic signals are acquired from a plurality of locations generally spanning the width and the length of the check;
c) through operation of the at least one processor in the automated banking machine, generating at least one first matrix, wherein the first matrix comprises a plurality of sensor values included in a plurality of rows and columns, wherein the plurality of sensor values correspond to a plurality of portions of the magnetic signals acquired in (b);
d) carrying out through operation of the at least one processor in the automated banking machine at least one predetermined matrix modifying calculation with the first matrix, to produce at least one modified matrix that includes a plurality of modified matrix values, wherein the at least one predetermined matrix modifying calculation includes calculating a modified matrix value for the at least one modified matrix that corresponds to a value in the first matrix, wherein the modified matrix value is calculated with the at least one predetermined matrix modifying calculation responsive to the value in the first matrix and at least one other value in the first matrix adjacent to the value in the first matrix;
e) through operation of the at least one processor, identifying a plurality of sets of modified matrix values in the modified matrix, wherein each set respectively corresponds to a different zone on the check;
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 plurality of sets of modified matrix values identified in (e) for the respective different zones on the check.
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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 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.
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Citations
19 Claims
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1. A method comprising:
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a) moving a check across a magnetic sensor in a cash dispensing automated banking machine, wherein the check has a width, wherein the check has a length in a first direction, wherein the magnetic sensor comprises a plurality of sensor elements arranged along at least one column extending generally transverse of the first direction, wherein the automated banking machine includes at least one processor; b) acquiring magnetic signals from each sensor element as the check moves across the magnetic sensor, wherein the magnetic signals are acquired from a plurality of locations generally spanning the width and the length of the check; c) through operation of the at least one processor in the automated banking machine, generating at least one first matrix, wherein the first matrix comprises a plurality of sensor values included in a plurality of rows and columns, wherein the plurality of sensor values correspond to a plurality of portions of the magnetic signals acquired in (b); d) carrying out through operation of the at least one processor in the automated banking machine at least one predetermined matrix modifying calculation with the first matrix, to produce at least one modified matrix that includes a plurality of modified matrix values, wherein the at least one predetermined matrix modifying calculation includes calculating a modified matrix value for the at least one modified matrix that corresponds to a value in the first matrix, wherein the modified matrix value is calculated with the at least one predetermined matrix modifying calculation responsive to the value in the first matrix and at least one other value in the first matrix adjacent to the value in the first matrix; e) through operation of the at least one processor, identifying a plurality of sets of modified matrix values in the modified matrix, wherein each set respectively corresponds to a different zone on the check; 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 plurality of sets of modified matrix values identified in (e) for the respective different zones on the check. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 18)
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17. Computer readable media bearing computer executable instructions operative to cause at least one processor in a cash dispensing automated banking machine to cause the automated banking machine to carry out a method comprising:
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a) moving a check across a magnetic sensor in the cash dispensing automated banking machine, wherein the check has a width, wherein the check has a length in a first direction, wherein the magnetic sensor comprises a plurality of sensor elements arranged along at least one column extending generally transverse of the first direction; b) acquiring magnetic signals from each sensor element as the check moves across the magnetic sensor, wherein the magnetic signals are acquired from a plurality of locations generally spanning the width and the length of the check; c) through operation of the at least one processor in the automated banking machine, generating at least one first matrix, wherein the first matrix comprises a plurality of sensor values included in a plurality of rows and columns, wherein the plurality of sensor values correspond to a plurality of portions of the magnetic signals acquired in (b); d) carrying out through operation of the at least one processor in the automated banking machine at least one predetermined matrix modifying calculation with the first matrix, to produce at least one modified matrix that includes a plurality of modified matrix values, wherein the at least one predetermined matrix modifying calculation includes calculating a modified matrix value for in the at least one modified matrix that corresponds to a value in the first matrix, wherein the modified matrix value is calculated with the at least one predetermined matrix modifying calculation responsive to the value in the first matrix and at least one other value in the first matrix adjacent to the value in the first matrix; e) through operation of the at least one processor, identifying a plurality of sets of modified matrix values in the modified matrix, wherein each set respectively corresponds to a different zone on the check; 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 plurality of sets of modified matrix values identified in (e) for the respective different zones on the check.
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19. A method comprising:
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a) moving a check across a magnetic sensor in an automated banking machine, wherein the check has a width, wherein the check has a length in a first direction, wherein the magnetic sensor comprises a plurality of sensor elements arranged along at least one column extending generally transverse of the first direction, wherein the automated banking machine includes at least one processor; b) acquiring magnetic signals from each sensor element as the check moves across the magnetic sensor, wherein the magnetic signals are acquired from a plurality of locations generally spanning the width and the length of the check; c) through operation of the at least one processor in the automated banking machine, generating data corresponding to at least one first matrix, wherein the first matrix comprises data corresponding to a plurality of sensor values included in a plurality of rows and columns, wherein the plurality of sensor values correspond to a plurality of portions of the magnetic signals acquired in (b); d) carrying out through operation of the at least one processor in the automated banking machine at least one predetermined matrix modifying calculation with the first matrix, to produce data corresponding to at least one modified matrix that includes a plurality of modified matrix values, wherein the at least one predetermined matrix modifying calculation includes calculating a modified matrix value for the at least one modified matrix that corresponds to a value in the first matrix, responsive at least in part to the value in the first matrix and at least one other value in the first matrix adjacent to the value in the first matrix, e) through operation of the at least one processor in the automated banking machine, identifying a plurality of sets of modified matrix values in the modified matrix, wherein each set respectively corresponds to one of a plurality of different zones on the check, wherein the different zones on the check include a magnetic ink character recognition (“
MICR”
) zone that includes MICR characters therein, and at least one zone on the check that does not include MICR characters therein;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 at least in part to the plurality of sets of modified matrix values identified in (e) for the plurality of different zones on the check and data corresponding to predetermined rules regarding data representative of a level of magnetic signals in the respective different zones on the check.
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Specification