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AssigneeCapital Security Systems, Inc.
InventorsRobin Haley GUSTIN, Troy W. Livingston, Namsoo Park
Estimating the term…
A method and apparatus are provided for conducting transactions through a financial network using a document such as a check or money order at an unattended automated machine. For security purposes a signature detector detects the signature and the user uses a card to operate the machine. A reader reads the amount on the document; and, for a check, the LAR and CAR amounts are compared. If the document is a money order, the user may be prompted to endorse the money order if the signature detector fails to detect a signature. A card writer writes an amount on the card related to the amount of the transaction being done and a calculator calculates the amount to be written on the card and subtracts a user's service charge. A bill may be paid and a receipt generator will provide a receipt preferably showing payment of the bill and the service charge. If the check or money order is for an amount greater than the bill and service charge amounts, the card writer may write the difference on the card. A portion of the check or money order may also be deposited in the user's account. A cash acceptor in the machine accepts cash and a cash dispenser may dispense cash.
An unattended banking machine for performing a number of banking and other transactions by a user, the unattended banking machine comprising:
An automated banking system for receiving payment from a user and for transfer of funds to a transferee in a network, the automated banking system comprising:
A method of providing an automated banking system having an unattended banking machine with capability of transfer of funds from a user to a transferee by a network, the method comprising:
Dependencies are inferred from the claim text.