Check cashing with a mobile phone

• US 9,292,847 B2
• Filed: 04/21/2015
• Issued: 03/22/2016
• Est. Priority Date: 04/05/2006
• Status: Active Grant

• Current Assignee: Diebold Nixdorf, Incorporated
• Original Assignee: Diebold Self-Service Systems (Diebold Nixdorf, Incorporated)
• Inventors: Smith, Mark D., Kolinski-Schultz, David E., Blackson, Dale H., Ramachandran, Natarajan
• Primary Examiner(s): Frech, Karl D
• Application Number:
  US14/692,179
• Publication Number:
  US 20150310418A1
• Time in Patent Office: 336 Days
• Field of Search: 235/379, 235/375, 209/583, 713/200, 902/14, 705/35, 705/39, 705/42, 705/44, 705/45
• US Class Current: 1/1
• 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 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.

Claims

1. An apparatus, comprising:

an automated banking machine that comprises a wireless interface and a cash dispenser;

the wireless interface is operable to receive from a mobile device data representative of a check, the data representative of a check comprises a check amount and a unique code;

the automated banking machine is operable to send the data representative of the check to a remote computer;

the automated banking machine is operable to receive from the remote computer data indicating whether the check is valid; and

the automated banking machine is operable to operate the cash dispenser to dispense the check amount responsive at least in part to receiving data from the remote computer indicating that the check is valid.

2. The apparatus according to claim 1, wherein the check is made out to cash.

3. The apparatus according to claim 1, wherein the check data comprises an image of the check.

4. The apparatus according to claim 1, wherein the check data comprises data representative of an account on which the check was drawn.

5. The apparatus according to claim 1, wherein the check data comprises data representative of an issuer of the check.

6. The apparatus according to claim 1, wherein the check data comprises micr data.

7. The apparatus according to claim 6, wherein the automated banking machine is operable to determine the check amount from the micr data.

8. The apparatus according to claim 1, wherein the automated banking machine is operable to determine the check amount from check image data obtained via the wireless interface.

9. The computer readable medium according to claim 1, the instructions are further operable to determine the check amount from check image data obtained via the wireless interface.

10. A non-transitory, tangible computer readable medium of instructions with instructions encoded thereon for execution by a processor, and when executed operable to:

obtain from a wireless interface data representative of a check, the data representative of a check comprises a check amount and a unique code;

send the data representative of the check to a remote computer;

receive from the remote computer data indicating whether the check is valid; and

operate a cash dispenser to dispense the check amount responsive at least in part to receiving data from the remote computer indicating that the check is valid.

11. The computer readable medium according to claim 10, wherein the check is made out to cash.

12. The computer readable medium according to claim 10, wherein the check data comprises an image of the check.

13. The computer readable medium according to claim 10, wherein the check data comprises data representative of an account on which the check was drawn.

14. The computer readable medium according to claim 10, wherein the check data comprises data representative of an issuer of the check.

15. The computer readable medium according to claim 10, wherein the check data comprises micr data.

16. The computer readable medium according to claim 15, the instructions are further operable to determine the check amount from the micr data.

17. An apparatus, comprising:

a mobile device comprising a wireless interface, and an input device;

wherein the image device is operable to obtain via the input device, data representative of a check, the data representative of a check comprises data representative of a check amount;

wherein the input device is operable to receive data representative of certification data;

wherein the mobile device is operable to send data representative of the check and the certification data to a remote device;

wherein the mobile device is operable to receive via the wireless interface, a response from the remote device indicating whether the check is valid.

18. The apparatus according to claim 17, wherein the mobile device further comprises an image scanner;

and

wherein the data representative of the check comprises check image data obtained from the image scanner.

19. The apparatus according to claim 18, wherein the mobile device is operable to determine the check amount from the check image data.

20. The apparatus according to claim 17, wherein the check is made out to cash.