Check cashing banking system
First Claim
1. A tangible, non-transitory computer readable medium of instructions with instructions encoded thereon for execution by a processor, and when executed operable to:
- receiving from an account holder through a consumer interface device data identifying a check on an account of the account holder and a check amount associated with the check;
determine whether the check can be validly drawn on the account in the check amount;
provide certification data to the account holder through the consumer interface device, responsive to determining that the check can be validly drawn on the account;
store data corresponding to the check, the check amount and the certification data in a data store;
receive from a remotely disposed automated banking machine data representative of the certification data without machine user identifying data;
determine whether the data representative of the certification data received from the automated banking machine corresponds to certification data stored in the data store; and
authorizing the automated banking machine to dispense cash to the machine user responsive to determining that the certification data received from the automated banking machine corresponds to certification data stored in the data store;
wherein the dispensed cash has a value corresponding to the check amount.
21 Assignments
0 Petitions
Accused Products
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 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 to the machine need not provide user identifying inputs through input devices of the machine in order to receive cash for the check. Furthermore, prior to accepting the check as a payment, the person can communicate with at least one computer (204) through at least one consumer interface device (208) to verify that the check is payable for the check amount.
3 Citations
20 Claims
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1. A tangible, non-transitory computer readable medium of instructions with instructions encoded thereon for execution by a processor, and when executed operable to:
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receiving from an account holder through a consumer interface device data identifying a check on an account of the account holder and a check amount associated with the check; determine whether the check can be validly drawn on the account in the check amount; provide certification data to the account holder through the consumer interface device, responsive to determining that the check can be validly drawn on the account; store data corresponding to the check, the check amount and the certification data in a data store; receive from a remotely disposed automated banking machine data representative of the certification data without machine user identifying data; determine whether the data representative of the certification data received from the automated banking machine corresponds to certification data stored in the data store; and authorizing the automated banking machine to dispense cash to the machine user responsive to determining that the certification data received from the automated banking machine corresponds to certification data stored in the data store; wherein the dispensed cash has a value corresponding to the check amount. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10)
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11. A tangible, non-transitory computer readable medium of instructions with instructions encoded thereon for execution by a processor, and when executed operable to:
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receive from a maker of a check, check identifying data, wherein the check identifying data includes data corresponding to a financial account associated with the maker and a check amount; determine from the check identifying data whether the check can be paid from the account in the check amount; generating certification data responsive to determining that the check can be paid from the account in the check amount; and communicate the certification data generated to the maker of the check, wherein the instructions are further operable to enable a bearer of the check to use an automated banking machine to carry out a check cashing transaction to exchange the check for cash corresponding to the check amount without providing user identification data. - View Dependent Claims (12, 13, 14, 15, 16, 17)
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18. A tangible, non-transitory computer readable medium of instructions with instructions encoded thereon for execution by a processor, and when executed operable to:
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operate a self-service check-cashing automated banking machine during a check cashing transaction to receive from a check bearing customer of the machine, a paper check that was pre-approved to be treated by the machine as a particular amount of cash to allow a bearer of the check to cash the check anonymously at the machine, wherein the particular amount of cash corresponds to an amount indicated on the check; and operate the machine during the transaction to dispense the particular amount of cash to the customer without receiving data related to identity of the customer to conduct the transaction. - View Dependent Claims (19, 20)
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Specification