Check cashing automated banking machine

• US 9,519,896 B2
• Filed: 04/10/2015
• Issued: 12/13/2016
• Est. Priority Date: 03/12/2012
• Status: Active Grant

• Current Assignee: Diebold Nixdorf, Incorporated
• Original Assignee: Diebold Self-Service Systems (Diebold Nixdorf, Incorporated)
• Inventors: Block, James, Graef, H. Thomas, Magee, Paul D., Nelson, Donald S. Jr., Meek, James, McIntyre, Daniel S., DePietro, Mark, Ramachandran, Natarajan
• Primary Examiner(s): ELLIS, SUEZU Y
• Application Number:
  US14/684,084
• Publication Number:
  US 20150213421A1
• Time in Patent Office: 613 Days
• 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 20/308 using the Internet of Things
• CPC Class Codes: G06Q 20/409 Device specific authentication in transaction processing
• CPC Class Codes: G07F 19/20 Automatic teller machines [ATMs]
• CPC Class Codes: G07F 19/202 Depositing operations within ATMs depositing in general G07D11/00

Abstract

An automated banking machine is operated at least in part to data read from data bearing records. The machine is operative to carry out a financial transfer responsive at least in part to a determination that data read through a card reader of the machine corresponds to a financial account that is authorized to conduct a transaction through operation of the machine. The machine also includes a check acceptor operative to receive checks from machine users. The check acceptor is operative image checks and data resolved from check images is used in operation of the machine to cause financial transfers.

Claims

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

determine that a first card data read by a card reader associated with an automated banking machine corresponds to a financial account on which transactions are authorized to be conducted automatically through an operation of the automated banking machine, wherein the automated banking machine comprises the card reader, a display, and a check acceptor;

wherein the processor is associated with an automated banking machine;

obtain an electronic image corresponding to one side of a user input check from a check acceptor;

resolve check data from the electronic image, wherein the check data includes a check amount;

automatically cause the check amount to be credited to the financial account through the operation of a first transaction authorization computer remote from the automated banking machine;

obtain second card data read through the operation of the card reader, which second card data does not correspond to a financial account on which transactions are authorized to be conducted automatically through the operation of the automated banking machine, to be sent to a second transaction authorization computer remote from the machine that is different from the first transaction authorization computer.

2. The computer readable medium according to claim 1,

wherein the automated banking machine further includes a cash dispenser;

wherein the instructions are further operable to cause the cash dispenser to operate to dispense a cash amount corresponding to the check amount responsive at least in part to the second transaction authorization computer.

3. The computer readable medium according to claim 2, wherein the second transaction authorization computer causes the cash dispenser operation responsive at least in part to at least one input received by the second authorization computer through an input device activated by a human service provider.

4. The computer readable medium according to claim 3, wherein the automated banking machine further comprises:

an audio input device; and

an audio output device;

wherein the instructions are operable to enable communication of signals corresponding to audio communication between the second transaction authorization computer and the machine, whereby two-way audio communication with a service provider at the second transaction authorization computer can be carried out.

5. The computer readable medium according to claim 4,

wherein the card reader is configured to read data from a driver'"'"'s license;

and

wherein the second card data corresponds to data read from a driver'"'"'s license.

6. The computer readable medium according to claim 5,

wherein the automated banking machine is associated with a camera, wherein the camera has a field of view adjacent the machine;

and

wherein the instructions are further operable to enable signals corresponding to video to be communicated between the second transaction authorization computer and the machine, whereby two-way video communication with a service provider at the second transaction authorization can be conducted.

7. The computer readable medium according to claim 1,

wherein the automated banking machine further includes a printer;

wherein the instructions are further operable to cause the printer to print a document responsive at least in part to one of a group consisting of an automatic operation of the first transaction authorization computer, and at least one human provided input received through at least one input device in operative connection with the second transaction authorization computer.

8. A method, comprising:

determining, by a processor associated with an automated banking machine, that a first card data read by a card reader associated with the automated banking machine corresponds to a financial account on which transactions are authorized to be conducted automatically through an operation of the automated banking machine, wherein the automated banking machine comprises the card reader, a display, and a check acceptor;

obtaining an electronic image corresponding to one side of a user input check from a check acceptor;

resolving check data from the electronic image, wherein the check data includes a check amount;

automatically causing, by the processor, the check amount to be credited to the financial account through the operation of a first transaction authorization computer remote from the automated banking machine;

obtaining, by the processor, second card data read through the operation of the card reader, which second card data does not correspond to a financial account on which transactions are authorized to be conducted automatically through the operation of the automated banking machine, to be sent to a second transaction authorization computer remote from the machine that is different from the first transaction authorization computer.

9. The method according to claim 8, wherein the automated banking machine further includes a cash dispenser, the method further comprises causing the cash dispenser to operate to dispense a cash amount corresponding to the check amount responsive at least in part to the second transaction authorization computer.

10. The method according to claim 9, wherein the second transaction authorization computer causes the cash dispenser operation responsive at least in part to at least one input received by the second authorization computer through an input device activated by a human service provider.

11. The method according to claim 10, wherein the automated banking machine further comprises an audio input device and an audio output device, the method further comprises enabling communication of signals corresponding to audio communication between the second transaction authorization computer and the machine, whereby two-way audio communication with a service provider at the second transaction authorization computer can be carried out.

12. The method according to claim 11,

wherein the card reader is configured to read data from a driver'"'"'s license;

and

wherein the second card data corresponds to data read from a driver'"'"'s license.

13. The method according to claim 12,

wherein the automated banking machine is associated with a camera, wherein the camera has a field of view adjacent the machine;

and

the method further comprises enabling signals corresponding to video to be communicated between the second transaction authorization computer and the machine, whereby two-way video communication with a service provider at the second transaction authorization can be conducted.

14. The method according to claim 8,

wherein the automated banking machine further includes a printer;

and

the method further comprises causing the printer to print a document responsive at least in part to one of a group consisting of an automatic operation of the first transaction authorization computer, and at least one human provided input received through at least one input device in operative connection with the second transaction authorization computer.