Automated banking machine operated responsive to data bearing records

• US 8,313,020 B2
• Filed: 10/21/2008
• Issued: 11/20/2012
• Est. Priority Date: 03/08/2004
• Status: Active Grant

• Current Assignee: Diebold Nixdorf, Incorporated
• Original Assignee: Diebold Self-Service Systems (Diebold Nixdorf, Incorporated)
• Inventors: Ramachandran, Natarajan
• Primary Examiner(s): Le, Thien M.
• Assistant Examiner(s): Stanford, Christopher
• Application Number:
  US12/288,572
• Publication Number:
  US 20090114716A1
• Time in Patent Office: 1,491 Days
• Field of Search: 235/379
• 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: G07F 19/20 Automatic teller machines [ATMs]
• CPC Class Codes: G07F 19/202 Depositing operations within ATMs depositing in general G07D11/00

Abstract

An automated banking machine operates responsive to data bearing records such as user cards. The machine is operative to accept financial checks. The arrangement enables a card-based deposit at a deposit accepting machine to be carried out even when the deposit becomes jammed in the machine prior to transaction recordation.

Claims

1. A method comprising:

(a) freeing from a check-accepting automated transaction machine during a machine servicing session that involves an authorized servicer of the machine, a check that became jammed in the machine during an incomplete check deposit transaction involving a customer account,

wherein the machine includes a check imaging device,

wherein the machine is operable to cause images captured by the check imaging device, to be transferred to a transaction system remotely located from the machine,

wherein the servicer is associated with a hand-held mobile device,

wherein the hand-held mobile device includes programming configured to allow the servicer to cause each respective check freed from being jammed in the machine during a respective incomplete check deposit transaction involving a respective customer account, to be deposited into the respective customer account involved in the respective incomplete check deposit transaction in which the respective check became jammed;

(b) during the machine servicing session, providing at least one input to the hand-held mobile device to cause the hand-held mobile device to receive both

image data corresponding to at least one image of the check freed in (a), and

non image data usable to identify the incomplete check deposit transaction; and

(c) providing at least one input to the hand-held mobile device to cause to be sent to the transaction system, both the image data and the non image data received in (b),

wherein the sending causes an amount associated with the check freed in (a) to be deposited into the customer account involved in the incomplete check deposit transaction in which the check became jammed.

2. The method according to claim 1 wherein (a)-(c) are performed by the authorized servicer.

3. The method according to claim 1 wherein (c) occurs during the machine servicing session.

4. The method according to claim 1 wherein during (a) and (b) the authorized servicer is located on site of the machine.

5. The method according to claim 1 wherein in (b) and (c) the hand-held mobile device comprises a mobile phone, wherein the mobile phone includes a camera, wherein (b) includes operating the camera to capture the at least one image.

6. The method according to claim 1 wherein the transaction system comprises a transaction host for a plurality of check-accepting automated transaction machines including the machine, wherein (c) includes causing both the image data and the non image data to be sent to the transaction host.

7. A method comprising:

(a) manually retrieving from an interior area of a check-accepting automated transaction machine, a paper check situated therein during an uncompleted check deposit transaction involving the machine, the check, and a financial account,

wherein the machine includes a transaction identifier data store including a transaction identifier that was computer-associated with the transaction prior to the transaction becoming uncompleted;

(b) subsequent to (a), providing at least one input to a hand-held image-capturing device to cause the hand-held image capturing device to capture at least one image of at least a portion of the check retrieved in (a);

(c) obtaining the transaction identifier from the transaction identifier data store; and

(d) providing at least one input to at least one hand-held device,

wherein the at least one input causes

the at least one image captured in (b), and

the transaction identifier obtained in (c),

to be sent to a remotely located transaction center capable of allowing the check deposit transaction to be completed with the financial account;

wherein (a)-(d) are performed by a machine service person authorized to manually access the interior area.

8. The method according to claim 7 wherein (a) includes manually freeing the check from being jammed in the machine.

9. The method according to claim 7 wherein the hand-held image-capturing device comprises a mobile phone that includes a camera, wherein (b) includes providing at least one input to the mobile phone to cause the camera to capture the at least one image.

10. The method according to claim 7

wherein the at least one hand-held device includes the hand-held image-capturing device,

wherein the hand-held image-capturing device comprises a camera,

wherein the at least one hand-held device comprises a mobile phone,

wherein the mobile phone includes the camera,

wherein (b) includes providing at least one input to the mobile phone to cause the camera to capture the at least one image,

wherein (d) includes providing at least one input to the mobile phone that causes the at least one image and the transaction identifier to be sent to the transaction center.

11. The method according to claim 7 wherein (b) includes providing the at least one input while the machine service person is located on site of the machine.

12. The method according to claim 11 wherein (d) includes providing the at least one input while the machine service person is located on site of the machine.

13. The method according to claim 7 wherein the transaction center includes a transaction host for a plurality of check-accepting automated transaction machines, wherein (d) includes causing the at least one image to be sent to the transaction host.

14. A method comprising:

(a) manually accessing an interior area of a check accepting machine,

wherein the interior area includes a check jammed therein,

wherein the jam occurred prior to completion of a transaction involving the machine, the check, and a financial account,

wherein the transaction is associated with at least one transaction identifier stored in at least one data store which does not include the check,

wherein the check has a financial value;

(b) subsequent to (a), manually freeing the check from being jammed in the interior area

(c) manually operating a mobile phone including a camera to capture at least one image of the check freed in (b);

(d) accessing the at least one transaction identifier stored in at least one data store;

(e) manually operating the mobile phone to cause the mobile phone to receive the at least one transaction identifier accessed in (d); and

(f) manually operating the mobile phone to cause the mobile phone to wirelessly send to a transaction system remotely located from the machine, both the at least one image captured in (c) and the at least one transaction identifier received in (e),

wherein the sending allows the financial value to be deposited into the financial account;

wherein (a)-(f) are performed by an authorized servicer of the machine.

15. The method according to claim 14 wherein (a)-(f) are performed while the authorized servicer is located on site of the machine.

16. The method according to claim 14 wherein the at least one data store includes an audit log of the machine, and wherein (d) includes accessing a transaction identifier from the audit log.

17. The method according to claim 16 wherein (e) includes manually inputting into the phone, the transaction identifier accessed in (d).

18. A method comprising:

(a) during a servicing operation, freeing from a check-accepting automated banking machine, a check that became jammed in the machine during a customer session with the machine,

wherein the customer session is associated with session identifying data usable to identify the customer session in which the check became jammed,

wherein the machine includes a check imaging device operative to capture images of checks received into the machine,

wherein the machine is operative to transfer captured check images to a transaction system remotely located from the machine;

(b) during the servicing operation, operating a mobile phone that includes a camera to capture at least one image of the check freed in (a);

(c) obtaining the session identifying data from an audit log of the machine; and

(d) during the servicing operation, operating the mobile phone to transfer to the transaction system, both

check image data corresponding to the at least one image captured in (b), and

the session identifying data obtained in (c).

19. The method according to claim 18 wherein in (c) the session identifying data includes a transaction identifier.