Automated banking machine system and method

• US 8,418,916 B2
• Filed: 09/02/2011
• Issued: 04/16/2013
• 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:
  US13/199,600
• Publication Number:
  US 20110315761A1
• Time in Patent Office: 592 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. At least one article including instructions executable in at least one processor of a mobile phone that includes a camera, wherein the instructions include check deposit programming affiliated with a bank entity, wherein the programming allows a customer having an account with the bank entity to use the mobile phone to carry out a check deposit transaction method that comprises:

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

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

(c) operating the mobile phone 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 includes account data corresponding to the account,

wherein the bank customer data includes customer verification data which allows the customer to carry out the 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 a cash value corresponding to the check amount into the account.

2. The at least one article according to claim 1 and further comprising:

(d) prior to (c), operating the mobile phone to read from the at least one image captured in (a), account data corresponding to the account;

wherein in (c) the bank customer data includes the account data read in (d).

3. The at least one article according to claim 1 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.

4. The at least one article according to claim 3 and further comprising:

(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.

5. The at least one article according to claim 4 and further comprising:

(f) operating the mobile phone to provide the code to one of the machines.

6. The at least one article according to claim 1 wherein the account comprises a check cashing account, wherein the transaction data causes the bank entity to cause funds corresponding to the cash value to be reserved in the check cashing account to ensure that the check is payable for the check amount.

7. The at least one article according to claim 1 wherein the prepared financial check comprises a paper check, and wherein (a) includes operating the mobile phone to capture at least one image of a paper check.

8. The at least one article according to claim 1 and further comprising:

(d) operating the mobile phone to receive a transaction receipt which indicates deposit of the check amount.

9. The at least one article according to claim 8 wherein the transaction receipt includes the at least one image captured in (a).

10. The at least one article according to claim 8 wherein the transaction receipt includes a transaction date and the value received in (b).

11. Apparatus comprising:

a mobile phone,

wherein the mobile phone includes a camera,

wherein the camera is operable to capture at least one image of a prepared financial check which indicates a check amount,

wherein the mobile phone includes at least one processor,

wherein the at least one processor includes check deposit programming affiliated with a bank entity,

wherein the programming allows a customer having an account with the bank entity to use the mobile phone to carry out a check deposit transaction,

 

wherein the programming causes the mobile phone to receive a manually inputted value corresponding to the check amount,

 

wherein the programming causes the mobile phone 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 includes account data corresponding to the account,

 

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

 

wherein the transaction data includes deposit data,

 

wherein the deposit data includes at least one image of the prepared financial check captured by the camera,

 

wherein the deposit data includes a manually inputted value received by the mobile phone, wherein the manually inputted value corresponds to the check amount,

 

wherein the transaction data causes the bank entity to deposit a cash value corresponding to the check amount into the account.

12. The apparatus according to claim 11 wherein the mobile phone is operable to read from the at least one image, account data corresponding to the account,

wherein the bank customer data includes the account data read from the at least one image.

13. The apparatus according to claim 11 wherein the bank entity is associated with a plurality of cash dispensing automated banking machines, wherein the programming causes the mobile phone to receive a check cashing code sent from the computer system.

14. The apparatus according to claim 13 wherein the programming allows the mobile phone to be operated 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.

15. The apparatus according to claim 14 wherein the programming allows the mobile phone to be operated to provide the code to one of the machines.

16. The apparatus according to claim 11 wherein the account comprises a check cashing account, wherein the transaction data causes the bank entity to cause funds corresponding to the cash value to be reserved in the check cashing account to ensure that the check is payable for the check amount.

17. The apparatus according to claim 11 wherein the prepared financial check comprises a paper check, and wherein the camera is operable to capture at least one image of a paper check.

18. The apparatus according to claim 11 wherein the programming causes the mobile phone to receive a transaction receipt which indicates deposit of the check amount.

19. The apparatus according to claim 18 wherein the programming causes the mobile phone to receive a transaction receipt that includes the at least one image.

20. The apparatus according to claim 18 wherein the programming causes the mobile phone to receive a transaction receipt that includes a transaction date and the manually inputted value.