Check cashing automated banking machine

• US 9,830,581 B2
• Filed: 12/01/2016
• Issued: 11/28/2017
• Est. Priority Date: 03/12/2012
• Status: Active Grant

• Current Assignee: Diebold Nixdorf, Incorporated
• Original Assignee: Diebold Nixdorf, Incorporated
• Inventors: Block, James, Graef, H. Thomas, Magee, Paul D., Nelson, Jr., Donald S., Meek, James, McIntyre, Daniel S., Depietro, Mark A., Ramachandran, Natarajan
• Primary Examiner(s): ELLIS, SUEZU Y
• Application Number:
  US15/366,290
• Publication Number:
  US 20170098205A1
• Time in Patent Office: 362 Days
• Field of Search: 235379, 705 39, 705 43- 45, 194210
• 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 a financial account on which transactions are authorized to be conducted automatically through an operation of an automated banking machine, wherein the automated banking machine comprises a display, a check acceptor, and a card reader;

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;

request identification of a user of the automated banking machine in a form of card data responsive to the check amount being above a particular level;

obtain the card data read through the operation of the card reader;

verify the card data corresponds to an account holder of the financial account, the card data to be sent to a second transaction authorization computer remote from the machine that is different from a first transaction authorization computer; and

automatically cause the check amount to be credited to the financial account through the operation of the first transaction authorization computer remote from the automated banking machine responsive at least in part to verification of the card data.

2. The tangible, non-transitory 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 tangible, non-transitory 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 tangible, non-transitory computer readable medium according to claim 1,

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

and

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

5. The tangible, non-transitory computer readable medium according to claim 4,

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.

6. The tangible, non-transitory 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.

7. The tangible, non-transitory computer readable medium according to claim 1, further comprising:

a second card reader;

wherein the second card reader is operable to receive a card for determining the financial account on which transactions are authorized to be conducted automatically through operation of the automated banking machine.

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

determine a financial account on which transactions are authorized to be conducted automatically through an operation of an automated banking machine, wherein the automated banking machine comprises a display, a check acceptor, a card reader, and an image input device;

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;

obtain card data read through the operation of the card reader, the card data corresponds to an account holder of the financial account and comprises an image of the account holder, the card data does not correspond to the financial account, the card data to be sent to a second transaction authorization computer remote from the machine that is different from a first transaction authorization computer;

obtain an image of a user of the automated banking machine via the image input device;

obtain verification that the image of the user matches an image of the account holder obtained from the card data from the second transaction authorization computer; and

automatically cause the check amount to be credited to the financial account through the operation of the first transaction authorization computer remote from the automated banking machine responsive at least in part to verifying the image of the user matches the image of the account holder.

9. The tangible, non-transitory computer readable medium according to claim 8,

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.

10. The tangible, non-transitory computer readable medium 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 tangible, non-transitory computer readable medium according to claim 8,

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

and

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

12. The tangible, non-transitory computer readable medium according to claim 8,

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.

13. The tangible, non-transitory computer readable medium according to claim 8, further comprising a second card reader;

wherein the second card reader is operable to receive a card for determining the financial account on which transactions are authorized to be conducted automatically through operation of the automated banking machine.

14. The tangible, non-transitory computer readable medium according to claim 13, the instructions are further operable to:

verify the image of the card holder obtained from the card data matches the image of the account holder associatively stored previously with the second transaction authorization computer; and

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 responsive at least in part to verifying the image of the card holder obtained from the card data matches the image of the previously stored account holder.

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

determine a financial account on which transactions are authorized to be conducted automatically through an operation of an automated banking machine, wherein the automated banking machine comprises a display, a check acceptor, a card reader, and an image input device;

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;

obtain an image of a user of the automated banking machine via the image input device;

send the image of the user to a remote, second transaction authorization computer that is different from a first transaction authorization computer;

obtain verification that the image sent to the second transaction authorization computer matches a previously stored image of the user in a data store associated with the second transaction authorization computer; and

automatically cause the check amount to be credited to the financial account through the operation of the first transaction authorization computer that is remote from the automated banking machine responsive at least in part to verifying the image of the user matches the previously stored image.

16. The tangible, non-transitory computer readable medium according to claim 15,

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.

17. The tangible, non-transitory computer readable medium according to claim 16, 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.

18. The tangible, non-transitory computer readable medium according to claim 15,

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.

19. The tangible, non-transitory computer readable medium according to claim 15, further comprising a card reader;

wherein the card reader is operable to receive a card for determining the financial account on which transactions are authorized to be conducted automatically through operation of the automated banking machine.