Check cashing with a mobile phone
First Claim
1. A method, comprising:
- verifying a user of a first remote device is an authorized user;
receiving data representative of a check from the first remote device;
verifying the check is valid with a second remote device;
generating certification data corresponding to the check, the certification data comprises a unique code corresponding to the check responsive to verifying the check is valid;
sending data representative of the unique code corresponding to the check to a mobile device associated with the user responsive to determining that the check is valid;
receiving data representative of the check and the unique code from a third remote device;
verifying the unique code corresponds with the check; and
authorizing dispensing of cash at the third remote device responsive to verifying that the unique code corresponds to the check.
20 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.
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Citations
20 Claims
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1. A method, comprising:
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verifying a user of a first remote device is an authorized user; receiving data representative of a check from the first remote device; verifying the check is valid with a second remote device; generating certification data corresponding to the check, the certification data comprises a unique code corresponding to the check responsive to verifying the check is valid; sending data representative of the unique code corresponding to the check to a mobile device associated with the user responsive to determining that the check is valid; receiving data representative of the check and the unique code from a third remote device; verifying the unique code corresponds with the check; and authorizing dispensing of cash at the third remote device responsive to verifying that the unique code corresponds to the check. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11)
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12. A tangible, non-transitory computer readable medium with instructions encoded thereon for execution by a processor and when executed are operable to:
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verify a user of a first remote device is an authorized user; receive data representative of a check from the first remote device; verify the check is valid with a second remote device; generate certification data corresponding to the check, the certification data comprises a unique code corresponding to the check responsive to verifying the check is valid; send data representative of the unique code corresponding to the check to a mobile device associated with the user responsive to determining that the check is valid; receive data representative of the check and the unique code from a third remote device; verify the unique code corresponds with the check; and authorize dispensing of cash by the third remote device responsive to verifying that the unique code corresponds to the check. - View Dependent Claims (13, 14, 15, 16, 17, 18, 19, 20)
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Specification