Check cashing with a mobile phone

• US 9,552,575 B2
• Filed: 03/21/2016
• Issued: 01/24/2017
• 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:
  US15/076,506
• Publication Number:
  US 20160203465A1
• Time in Patent Office: 309 Days
• Field of Search: 235/379, 235/380, 235/385, 235/487
• 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. A tangible, non-transitory computer readable medium of instructions with instructions encoded thereon for execution by a processor, and when executed operable to:

receive from an account holder through a consumer interface device data identifying a check from an account associated with an 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 and data representative of the check;

determine whether the data representative of the certification data and the data representative of the check received from the automated banking machine correspond to certification data and data corresponding to the check that are stored in the data store; and

authorizing the automated banking machine to dispense an amount of cash to the machine user responsive to determining that the data representative of the certification data and the data representative of the check received from the automated banking machine correspond to certification data and data corresponding to the check that are stored in the data store;

wherein the amount of cash corresponds to the check amount.

2. The computer readable medium set forth in claim 1, the instructions further operable to:

receive from a remote user device, a request to validate the check, the request comprises data representative of the certification data and data representative of the check; and

send data to the remote user device data indicative that the check can be exchanged for the check amount upon validating the data representative of the certification data and data representative of the check with data stored in the data store.

3. The computer readable medium set forth in claim 2, wherein the consumer interface device includes a telephonic interactive voice response (IVR) device, the instructions are further operable to send data to the remote user device that includes an audible telephonic output.

4. The computer readable medium set forth in claim 2, the instructions are further operable to:

receive from the remote automated banking machine image data corresponding to a visual image of the check; and

resolve from the image data, data identifying the check and the check amount.

5. The computer readable medium set forth in claim 4, the instructions are further operable to resolve data corresponding to at least one character from at least one of a group consisting of a micr line and a check number on the check.

6. The computer readable medium set forth in claim 4, the instructions are further operable to receive from the consumer interface device data corresponding to a visual image of the check.

7. The computer readable medium set forth in claim 1, the instructions are further operable to cause funds in the account of the account holder in the check amount to be put on hold.

8. The computer readable medium set forth in claim 1, the instructions are further operable to cause funds in the account of the account holder in the check amount to be moved to a special account.

9. The computer readable medium set forth in claim 1, the instructions are further operable to deduct a fee from the check amount;

wherein the amount authorized amount of cash to be dispensed is the check amount minus the fee.

10. The computer readable medium set forth in claim 1, the instructions are further operable to deduct a fee from the account of the account holder.

11. An apparatus, comprising:

a processor coupled with a consumer interface and a network;

the processor is operable to receive from a maker of a check via the consumer interface, check identifying data, wherein the check identifying data includes data corresponding to a financial account associated with the maker and a check amount;

the processor is operable to determine from the check identifying data whether the check can be paid from the account in the check amount;

the processor is operable to generate certification data responsive to determining that the check can be paid from the account in the check amount; and

the processor is operable to communicate via the consumer interface, 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 coupled with the network to carry out a check cashing transaction to exchange the check for cash corresponding to the check amount without providing user identification data.

12. The apparatus set forth in claim 11, the processor is further operable to determine that the certification data received from the automated banking machine corresponds to the generated certification data.

13. The apparatus set forth in claim 11, the processor is further operable to receive image data corresponding to an image of at least a portion of the check from the automated banking machine.

14. The apparatus set forth in claim 13, wherein the image data comprises MICR data, wherein the processor is further operable to determine whether the account of the account holder matches the MICR data.

15. The apparatus set forth in claim 11, wherein the processor is operable to receive data representative of a user input check amount, wherein the processor is further operable to determine whether the user input check amount matches the check amount.

16. The apparatus set forth in claim 11, the processor is further operable to:

receive data representative of the check and the certification data from an automated banking machine for a authorization to exchange the check for cash corresponding to the check amount;

validate the data representative of the check and the certification data;

authorizing cash to be dispensed by the automated banking machine corresponding to the check amount responsive to validating the data representative of the check and the certification data.