Determining an automated banking machine for check cashing
First Claim
1. Computer readable instructions encoded on a non-transitory, tangible computer readable medium of instructions for execution by a processor, and when executed operable 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;
determine relative to the current location of the personal communication device, a 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
send to the personal communication device data corresponding to a location of the nearest automated banking machine to the current location of the personal communication device that can cash a check without requiring any input of machine user identification data as a condition for cashing the check.
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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
25 Claims
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1. Computer readable instructions encoded on a non-transitory, tangible computer readable medium of instructions for execution by a processor, and when executed operable to:
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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; determine relative to the current location of the personal communication device, a 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 send to the personal communication device data corresponding to a location of the nearest automated banking machine to the current location of the personal communication device that can cash a check without requiring any input of machine user identification data as a condition for cashing the check. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12)
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13. Computer readable instructions encoded on a non-transitory, tangible computer readable medium of instructions for execution by a processor, and when executed operable to:
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receive a message that includes a code sent from a mobile communication device; determine that the code received is associated with financial check data stored in a data store; and send to the mobile communication device, a 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 an 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 an automated banking machine that is nearest to the mobile communication device that can cash a check without requiring any input of machine user identification data as a condition for cashing the check. - View Dependent Claims (14, 15, 16, 17, 18, 19)
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20. An apparatus, comprising:
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a processor; a data store; wherein the processor is operable to receive communication data sent through a personal communication device that includes location data associated with a current location of the personal communication device; wherein the processor is operable to determine relative to the current location of the personal communication device, a 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 via the data store; and wherein the processor is operable to send to the personal communication device data corresponding to a location of the nearest automated banking machine to the current location of the personal communication device that can cash a check without requiring any input of machine user identification data as a condition for cashing the check. - View Dependent Claims (21, 22, 23)
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24. An apparatus, comprising:
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a processor; a data store; wherein the processor is operable to receive a message that includes a code sent from a mobile communication device; wherein the processor is operable to determine that the code received is associated with financial check data stored in the data store; and wherein the processor is operable to send to the mobile communication device, a 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 an 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 an automated banking machine that is nearest to the mobile communication device that can cash a check without requiring any input of machine user identification data as a condition for cashing the check. - View Dependent Claims (25)
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Specification