DETERMINING AN AUTOMATED BANKING MACHINE FOR CHECK CASHING

• US 20140129440A1
• Filed: 01/14/2014
• Published: 05/08/2014
• 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., BLOCK, James, NATARAJAN, Ramachandran, ENRIGHT, Jeffery
• Granted Patent: US 8,814,043 B2
• Time in Patent Office: Days
• US Class Current: 705/43
• 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 banking system comprises automated banking machines which include a card reader, check imaging device, and cash dispenser. Each system machine can cash a code-correlated check in exchange for receiving both the check and the code assigned to the check, without requiring any user identifying input through the machine'"'"'s user input devices as a condition for cashing the check. The system allows a potential recipient of a personal check to call in a given code to a system computer, which can verify whether the check is backed by funds reserved for the check amount and whether the check can be anonymously cashed. From the call the system computer can obtain the mobile phone'"'"'s GPS location to determine the system machine nearest to the phone. When informing the phone user that a check is as good as cash, the system computer can also provide directions to that nearest system machine.

Claims

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

receive communication data sent through a personal communication device, wherein the communication data includes location data associated with a current location of the personal communication device;

determine relative to the current location of the personal communication device, a nearest automated banking machine configured to cash a check without requiring any input of machine user identification data as a condition for cashing the check; and

send to the personal communication device data corresponding to a location of the nearest automated banking machine to the current location of the personal communication device that can cash a check without requiring any input of machine user identification data as a condition for cashing the check.

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

receive a code from the personal communication device;

determine from a data store that includes check cashing codes that the code corresponds to a check cashing code;

wherein the data corresponding to a location of the nearest automated banking machine to the current location of the personal communication device further comprises verification data indicating that the code corresponds to a check that can be cashed at the nearest automated banking machine without requiring any input of machine user identification data as a condition for cashing the check.

3. The computer readable instructions set forth in claim 2, wherein the verification data comprises information that confirms that the code corresponds to a pre-certified check.

4. The computer readable instructions set forth in claim 3, wherein the check is backed by funds previously reserved for a particular check amount.

5. The computer readable instructions set forth in claim 2, wherein the verification data comprises information that confirms that the code is valid for an electronic check having a particular amount.

6. The computer readable instructions set forth in claim 1, further operable to determine directions from the current location of the personal communication device to the location of the nearest automated banking machine, wherein the data corresponding to location of the nearest automated banking machine comprises directions from the current location of the personal communication device to the location of the nearest automated banking machine.

7. The computer readable instructions set forth in claim 1, wherein the personal computing device is a mobile phone.

8. The computer readable instructions set forth in claim 1, wherein the location data includes GPS location data corresponding to the current location of the personal communication device.

9. The computer readable instructions set forth in claim 1, wherein the data corresponding to a location of the nearest automated banking machine to the current location of the personal communication device includes a geographical address of the nearest automated banking machine that can cash a check without requiring any input of machine user identification data as a condition for cashing the check.

10. The computer readable instructions set forth in claim 1, wherein the data corresponding to a location of the nearest automated banking machine to the current location of the personal communication device includes a GPS location of the nearest automated banking machine that can cash a check without requiring any input of machine user identification data as a condition for cashing the check.

11. The computer readable instructions set forth in claim 1, further operable to send to the personal communication device data representative of an amount of a check to be cashed.

19. The apparatus set forth in claim 1, the processor is further operable to determine directions from the current location of the personal communication device to the location of the nearest automated banking machine, wherein the data corresponding to location of the nearest automated banking machine comprises directions from the current location of the personal communication device to the location of the nearest automated banking machine.

12. Computer readable instructions encoded on a non-transitory, tangible computer readable medium of instructions for execution by a processor, and when executed operable to:

receive a message that includes a code sent from a mobile communication device;

determine that the code received is associated with financial check data stored in a data store; and

send to the mobile communication device, a message that includes;

(i) verification data usable by the mobile communication device to provide to a user of the mobile communication device, information indicating that the code corresponds to a check that can be cashed at an automated banking machine without requiring any input of machine user identification data as a condition for cashing the check, and

(ii) location data usable by the mobile communication device to provide to the user of the mobile communication device, information associated with location of an automated banking machine that is nearest to the mobile communication device that can cash a check without requiring any input of machine user identification data as a condition for cashing the check.

13. The computer readable instructions set forth in claim 12, further operable to:

receive location data associated with a current location of the mobile communication device; and

determine relative to the current location of the mobile communication device, a nearest automated banking machine configured to cash a check without requiring any input of machine user identification data as a condition for cashing the check.

14. The computer readable instructions set forth in claim 13, further operable to determine directions from the current location of the mobile communication device to the location of the nearest automated banking machine, wherein the data corresponding to location of the nearest automated banking machine comprises directions from the current location of the mobile communication device to the location of the nearest automated banking machine.

15. The computer readable instructions set forth in claim 12, wherein the verification data comprises information that confirms that the code corresponds to a pre-certified check.

16. The computer readable instructions set forth in claim 14, wherein the check is backed by funds previously reserved for a particular check amount.

17. The computer readable instructions set forth in claim 12, wherein the verification data comprises information that confirms that the code is valid for an electronic check having a particular amount.

25. The apparatus set forth in claim 12, wherein the verification data comprises information that confirms that the code is valid for an electronic check having a particular amount.

18. An apparatus, comprising:

a processor;

a data store;

wherein the processor is operable to receive communication data sent through a personal communication device that includes location data associated with a current location of the personal communication device;

wherein the processor is operable to determine relative to the current location of the personal communication device, a nearest automated banking machine configured to cash a check without requiring any input of machine user identification data as a condition for cashing the check via the data store; and

wherein the processor is operable to send to the personal communication device data corresponding to a location of the nearest automated banking machine to the current location of the personal communication device that can cash a check without requiring any input of machine user identification data as a condition for cashing the check.

20. The apparatus set forth in claim 18, wherein the location data includes GPS location data corresponding to the current location of the personal communication device.

21. The apparatus set forth in claim 20, wherein the data corresponding to a location of the nearest automated banking machine to the current location of the personal communication device includes a GPS location of the nearest automated banking machine that can cash a check without requiring any input of machine user identification data as a condition for cashing the check.

22. The apparatus set forth in claim 18, wherein the data corresponding to a location of the nearest automated banking machine to the current location of the personal communication device includes a geographical address of the nearest automated banking machine that can cash a check without requiring any input of machine user identification data as a condition for cashing the check.

23. An apparatus, comprising:

a processor;

a data store;

wherein the processor is operable to receive a message that includes a code sent from a mobile communication device;

wherein the processor is operable to determine that the code received is associated with financial check data stored in the data store; and

wherein the processor is operable to send to the mobile communication device, a message that includes;

(i) verification data usable by the mobile communication device to provide to a user of the mobile communication device, information indicating that the code corresponds to a check that can be cashed at an automated banking machine without requiring any input of machine user identification data as a condition for cashing the check, and

(ii) location data usable by the mobile communication device to provide to the user of the mobile communication device, information associated with location of an automated banking machine that is nearest to the mobile communication device that can cash a check without requiring any input of machine user identification data as a condition for cashing the check.

24. The apparatus set forth in claim 23, wherein the verification data comprises information that confirms that the code corresponds to a pre-certified check backed by funds previously reserved for a particular check amount.