Automated banking machine system and method

• US 8,011,576 B2
• Filed: 08/16/2010
• Issued: 09/06/2011
• 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, Blackson, Dale H., Kolinski-Schultz, David E., Mateen, Atta, Smith, Mark D.
• Primary Examiner(s): Frech, Karl D.
• Application Number:
  US12/806,548
• Publication Number:
  US 20100318461A1
• Time in Patent Office: 386 Days
• Field of Search: 235/379, 235/375, 705/35, 705/39, 705/42, 705/44, 705/45, 209/583, 713/200, 902/14
• 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 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 comprising:

(a) operating a mobile phone to capture at least one image of a financial check made by a check maker while the check is in possession of the check maker,

wherein the check is made payable to cash,

wherein the at least one image includes check data,

wherein the check data includes a check amount;

(b) subsequent to (a), operating the mobile phone to send the at least one image during a request that funds corresponding to the check amount be reserved to ensure check payment;

(c) subsequent to (b), operating the mobile phone to receive a message confirming receipt of the request,

wherein the message includes a code corresponding to the check, wherein the code allows both

a potential recipient of the check to verify that the check is payable for the check amount,

a recipient of the check to anonymously cash the check without providing any machine user identification data, at an automated banking machine

which includes a cash dispenser operative to cause stored cash to be dispensed,

which includes at least one reader device operative to read machine user identification data provided by a machine user, and

which requires that the recipient in order to cash the check without the code receive machine user authorization, which is dependent at least in part on computer-determined correspondence between

 

machine user identification data read by the at least one reader device and

 

user identification information stored in a data store.

2. The method according to claim 1 wherein in (c) the automated banking machine further includes

at least one machine computer, wherein the at least one machine computer is operative to cause a financial account to be assessed a value associated with cash dispensed,

at least one of a card reader and a biometric reader, wherein the at least one of a card reader and a biometric reader is operative to read user identification data provided by a machine user,

wherein user authorization is dependent at least in part on computer-determined correspondence between

user identification data read by the at least one of a card reader and a biometric reader and

user identification information stored in a data store,

and further comprising:

(d) operating the automated banking machine to receive machine user input corresponding to the code;

(e) responsive to (d) and without the machine receiving any machine user identification data, operating the machine to cause the cash dispenser to dispense an amount of cash corresponding to the check amount.

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

(d) using the code by the potential recipient to verify that the check is payable for the check amount;

(e) responsive to (d), accepting the check as payment in a transaction.

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

(d) using the code by a recipient of the check to anonymously cash the check at an automated banking machine without providing any machine user identification data.

5. A method comprising:

(a) operating a mobile phone to send identification data to a check verification system, wherein the identification data allows customer usage of the system to register a check as payable for a specified amount,

wherein the mobile phone includes check registration software affiliated with the system,

wherein the mobile phone includes a camera;

(b) operating the phone to capture at least one image of at least one side of a check, wherein the at least one image includes check data comprising both check identifying data and amount data, wherein the amount data corresponds to a check amount of the check;

(c) operating the phone to send the at least one image to the system, wherein the check data enables the system to verify that the check is good for the check amount; and

(d) subsequent to (c), operating the phone to receive a check verification code sent from the system,

wherein the code is associated with the check amount in at least one data store,

wherein the code allows a potential recipient of the check to obtain from the system, verification that the check is good for the check amount.

6. The method according to claim 5 wherein the system is associated with a plurality of cash dispensing automated banking machines,

wherein the check in (b) is made payable to cash,

wherein in (d) the code also allows the recipient to anonymously cash the check at any of the machines without providing any machine user identification data.

7. The method according to claim 6 wherein each cash dispensing automated banking machine includes a card reader and a biometric reader,

wherein machine user authorization is dependent at least in part on computer-determined correspondence between

user identification card data read by the card reader and

user identification biometric data read by the biometric reader,

and further comprising:

(e) operating the card reader of an automated banking machine to read user identification card data;

(f) operating the biometric reader of the automated banking machine to read user identification biometric data; and

(g) operating at least one computer to determine whether there is correspondence between the user identification card data read in (e) and the user identification biometric data read in (f).

8. The method according to claim 6 and further comprising:

(e) anonymously cashing the check at one of the machines without providing any machine user identification data.

9. The method according to claim 5 and further comprising:

(e) operating a mobile phone to obtain from the system, verification that the check is good for the check amount.

10. The method according to claim 5 wherein in (c) the check data causes the system to determine that the check is good for the check amount.

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

(e) operating the system to cause funds corresponding to the check amount be reserved to ensure check payment; and

(f) operating the system to register the check as being assured to pay the check amount.

12. A method comprising:

(a) operating a mobile phone to capture at least one image of a prepared financial check which indicates a check amount,

wherein the mobile phone includes a camera,

wherein the mobile phone includes check deposit software affiliated with a bank entity;

(b) operating the mobile phone during a check deposit transaction to receive a manually inputted value corresponding to the check amount; and

(c) operating the mobile phone during the transaction to wirelessly send transaction data to a computer system of the bank entity,

wherein the transaction data includes bank customer data,

wherein the bank customer data is associated with an account held by a customer of the bank entity,

wherein the bank customer data includes customer verification data, which allows the customer to carry out a check deposit transaction on the account,

wherein the transaction data includes deposit data,

wherein the deposit data includes the at least one image captured in (a),

wherein the deposit data includes the value received in (b),

wherein the transaction data causes the bank entity to deposit the check amount into the account in carrying out the check deposit transaction.

13. The method according to claim 12 wherein the bank entity is associated with a plurality of cash dispensing automated banking machines, and further comprising:

(d) operating the mobile phone to receive a check cashing code sent from the computer system; and

(e) operating the mobile phone to verify that the code allows a holder of the check to anonymously redeem the check for the amount at any of the machines without providing any machine user identification data.

14. The method according to claim 12 wherein in (a) the check comprises a paper check, and further comprising:

(d) operating a cash dispensing automated banking machine during the transaction to receive the paper check.

15. The method according to claim 14 and further comprising:

(e) operating a card reader of the machine to read user identification card data;

(f) operating a biometric reader of the machine to read user identification biometric data; and

(g) operating at least one computer to determine whether there is correspondence between the user identification card data read in (e) and the user identification biometric data read in (f);

wherein (d) is carried out responsive to a positive determination in (g).