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Accepting a check deposit from a mobile device in communication with an automated teller machine

  • US 9,640,040 B2
  • Filed: 08/09/2013
  • Issued: 05/02/2017
  • Est. Priority Date: 08/09/2012
  • Status: Active Grant
First Claim
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1. An apparatus, comprising:

  • a processor coupled with a first network and a second network;

    the processor is operable to receive from a mobile device coupled with the first network check image data representative of a check, wherein the data representative of the check includes an account into which the check is to be deposited;

    the processor is operative to determine an amount of the check from the check image data;

    the processor is operative to send a bar code image to the mobile device, the bar code image uniquely identifies the check image data;

    the processor is operative to receive transaction data for the check related transaction from an automated teller machine coupled with the second network, the transaction data comprising data associated with the account, the data associated with the account comprises card data from a card read by a card reader at the automated banking machine a personal identification number associated with the card data, and a bar code image and;

    the processor is operative to correlate the bar code image sent to the mobile device with the data representative of a bar code image received from the automated teller machine; and

    the processor is operative to credit the account with the amount of the check responsive to;

    determining the card data and personal identification number correspond to an authorized user,determining the authorized user is permitted to conduct a check transaction in the amount of the check on their account, andsuccessfully correlating the bar code image sent to the mobile device with the data representative of a bar code image received from the automated teller machine.

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