Automated banking machine
First Claim
Patent Images
1. A method comprising:
- (a) receiving user account identifying information from a user through at least one input device of an automated banking machine including a cash dispenser and at least one of a check imaging device and a currency bill validating device;
(b) receiving through the at least one input device, at least one input indicating that the user wishes to make a deposit including at least one of a check and a currency bill into the automated banking machine;
(c) operating the automated banking machine to communicate with at least one remote computer in determining if a user account associated with the user account identifying information, can have a first deposit transaction conducted thereon;
(d) responsive to a positive determination in (c), operating the automated banking machine while operative to complete the first deposit transaction and sans user-caused cancellation of the first deposit transaction, to communicate with the at least one remote computer to cause cancellation of the first deposit transaction;
(e) responsive to a positive determination in (c), accepting the deposit corresponding to the at least one input received in step (b) in the automated banking machine;
(f) evaluating the deposit accepted in (e) through operation of the automated banking machine to determine a value associated therewith;
(g) subsequent to (f), operating the automated banking machine to communicate at least one message with the at least one remote computer, to conduct a second deposit transaction on the account, wherein the second deposit transaction causes a deposit in an amount of corresponding to the value determined in (f) to be indicated as having been made to the user account.
3 Assignments
0 Petitions
Accused Products
Abstract
An automated banking machine (10) includes a user interface (12) including an opening (20). Users of the machine deliver individual sheets and stacks of sheets to and from the machine through the opening. Stacks of sheets may include sheets such as notes, checks or other documents. Stacks input to the machine may include mixtures of various types of sheets. The machine operates to receive notes, process checks and perform other operations. Notes received in the machine may be recycled and dispensed to other users. Checks processed by the machine may be imaged by an imaging device, cancelled and stored in the machine or alternatively returned to a user.
266 Citations
26 Claims
-
1. A method comprising:
-
(a) receiving user account identifying information from a user through at least one input device of an automated banking machine including a cash dispenser and at least one of a check imaging device and a currency bill validating device; (b) receiving through the at least one input device, at least one input indicating that the user wishes to make a deposit including at least one of a check and a currency bill into the automated banking machine; (c) operating the automated banking machine to communicate with at least one remote computer in determining if a user account associated with the user account identifying information, can have a first deposit transaction conducted thereon; (d) responsive to a positive determination in (c), operating the automated banking machine while operative to complete the first deposit transaction and sans user-caused cancellation of the first deposit transaction, to communicate with the at least one remote computer to cause cancellation of the first deposit transaction; (e) responsive to a positive determination in (c), accepting the deposit corresponding to the at least one input received in step (b) in the automated banking machine; (f) evaluating the deposit accepted in (e) through operation of the automated banking machine to determine a value associated therewith; (g) subsequent to (f), operating the automated banking machine to communicate at least one message with the at least one remote computer, to conduct a second deposit transaction on the account, wherein the second deposit transaction causes a deposit in an amount of corresponding to the value determined in (f) to be indicated as having been made to the user account. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22)
-
-
23. A method comprising:
-
(a) receiving user account identifying information from a user through at least one input device of an automated banking machine, wherein the automated banking machine includes at least one of a check imaging device and a currency bill validating device; (b) receiving through at least one input device of the automated banking machine, at least one input indicating that the user wishes to make a deposit into the automated banking machine, wherein the deposit includes at least one of a check and a currency bill; (c) operating the automated banking machine to communicate with at least one remote computer to cause a user account associated with the user account identifying information, to have a first deposit transaction conducted thereon responsive to at least one message from the automated banking machine; (d) subsequent to (c), operating the automated banking machine to communicate with the at least one remote computer to cancel the effect of the first deposit transaction; (e) subsequent to (d), operating the machine to accept the deposit including at least one of a check and currency bill in the automated banking machine; (f) evaluating the deposit made in (e) through operation of the automated banking machine to determine a value associated therewith; (g) operating the automated banking machine to communicate at least one message with at least one remote computer, wherein the at least one message causes the user account to have a second deposit in an amount corresponding to the value to be made thereto.
-
-
24. A method comprising:
-
(a) operating an automated banking machine to receive a deposit request from a user of the machine during a user session with the machine; (b) responsive to step (a), operating the machine to initiate a first deposit transaction; (c) subsequent to step (b), operating the machine in determining that the user is authorized to make a deposit with the machine, wherein the determining includes operating the machine to receive a deposit approval message associated with the first deposit transaction from at least one remote transaction host; (d) subsequent to step (c), operating the machine while operative to complete the first deposit transaction, to cause cancellation of the first deposit transaction prior to completion thereof, wherein the cancellation is during the user session, and wherein the cancellation is absent user-caused cancellation of the first deposit transaction; (e) subsequent to step (d), operating the machine during the user session to initiate a second deposit transaction; and (f) subsequent to step (e), operating the machine during the user session to complete the second deposit transaction, wherein completing the second deposit transaction includes accepting a deposit from the user, wherein the deposit is associated with the deposit request received in step (a), and wherein the deposit includes at least one of a currency bill and a check. - View Dependent Claims (25, 26)
-
Specification