Banking machine controlled responsive to data read from data bearing records
First Claim
1. A method comprising:
- (a) operating a computer system affiliated with a financial entity, to receive a code sent from a mobile phone,wherein the computer system is associated with at least one data store,wherein the at least one data store is configured to respectively associate check cashing codes with financial checks,wherein each respective check is associated with a respective check amount,wherein each respective check can be anonymously cashed by a person at least one cash dispensing automated banking machine which includes a check imager and a currency dispenser, without the person being required to input any machine user identification data as a condition for cashing the respective check,wherein the at least one data store is configured to respectively associate machine location data with each of the at least one cash dispensing automated banking machine;
(b) operating the computer system to determine through use of the at least one data store, that the code received in (a) corresponds to a check cashing code;
(c) operating the computer system to determine through use of the at least one data store, which of the at least one cash dispensing automated banking machine is nearest to the mobile phone; and
(d) operating the computer system to send to the mobile phone, at least one message that includes(i) responsive at least in part to (b), verification that the code received in (a) corresponds to a check that can be anonymously cashed;
(ii) an amount associated with the check in (i); and
(iii) responsive at least in part to (c), machine location data associated with the nearest machine.
19 Assignments
0 Petitions
Accused Products
Abstract
A banking system comprises automated banking machines which include a card reader, check imaging device, and cash dispenser. Each system machine can cash a code-correlated check in exchange for receiving both the check and the code assigned to the check, without requiring any user identifying input through the machine'"'"'s user input devices as a condition for cashing the check. The system allows a potential recipient of a personal check to call in a given code to a system computer, which can verify whether the check is backed by funds reserved for the check amount and whether the check can be anonymously cashed. From the call the system computer can obtain the mobile phone'"'"'s GPS location to determine the system machine nearest to the phone. When informing the phone user that a check is as good as cash, the system computer can also provide directions to that nearest system machine.
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Citations
20 Claims
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1. A method comprising:
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(a) operating a computer system affiliated with a financial entity, to receive a code sent from a mobile phone, wherein the computer system is associated with at least one data store, wherein the at least one data store is configured to respectively associate check cashing codes with financial checks, wherein each respective check is associated with a respective check amount, wherein each respective check can be anonymously cashed by a person at least one cash dispensing automated banking machine which includes a check imager and a currency dispenser, without the person being required to input any machine user identification data as a condition for cashing the respective check, wherein the at least one data store is configured to respectively associate machine location data with each of the at least one cash dispensing automated banking machine; (b) operating the computer system to determine through use of the at least one data store, that the code received in (a) corresponds to a check cashing code; (c) operating the computer system to determine through use of the at least one data store, which of the at least one cash dispensing automated banking machine is nearest to the mobile phone; and (d) operating the computer system to send to the mobile phone, at least one message that includes (i) responsive at least in part to (b), verification that the code received in (a) corresponds to a check that can be anonymously cashed; (ii) an amount associated with the check in (i); and (iii) responsive at least in part to (c), machine location data associated with the nearest machine. - View Dependent Claims (2, 3)
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4. A method comprising:
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(a) operating a computer system associated with at least one data store, to receive at least one message including a code sent from a mobile communication device; (b) operating the computer system to determine that the code received in (a) is associated with financial check data in the at least one data store; and (c) subsequent to (b), operating the computer system to send to the mobile communication device, at least one message that includes (i) verification data usable by the mobile communication device to provide to a user of the mobile communication device, information indicating that the code corresponds to a check that can be cashed at least one automated banking machine without requiring any input of machine user identification data as a condition for cashing the check, and (ii) location data usable by the mobile communication device to provide to the user of the mobile communication device, information associated with location of a particular machine of the at least one automated banking machine that is nearest to the mobile communication device. - View Dependent Claims (5, 6, 7, 8, 9, 10, 11, 12, 13, 14)
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15. A method comprising:
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(a) operating at least one computer associated with a service provider system to receive communication data sent through a personal communication device, wherein the communication data includes location data associated with a current location of the personal communication device; (b) operating the at least one computer to determine relative to the current location of the personal communication device, the nearest automated banking machine configured to cash a check without requiring any input of machine user identification data as a condition for cashing the check; and (c) operating the at least one computer to cause machine location data corresponding to location of the nearest automated banking machine determined in (b), to be sent to the personal communication device. - View Dependent Claims (16, 17, 18, 19, 20)
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Specification