US 2012/0223134 A1Published application

Banking Machine Controlled Responsive to Data Read from Data Bearing Records

AssigneeDiebold Self-Service Systems division of Diebold, Incorporated

InventorsMark D. Smith, Natarajan Ramachandran, James Block, Jeffery M. Enright

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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.

Claims20

Dependent claims

A method comprising:

(a) operating a computer system affiliated with a financial entity, to receive a code sent from a mobile phone,
wherein the computer system is associated with at least one data store,
wherein the at least one data store is configured to respectively associate check cashing codes with financial checks,
wherein each respective check is associated with a respective check amount,
wherein each respective check can be anonymously cashed by a person at least one cash dispensing automated banking machine which includes a check imager and a currency dispenser, without the person being required to input any machine user identification data as a condition for cashing the respective check,
wherein the at least one data store is configured to respectively associate machine location data with each of the at least one cash dispensing automated banking machine;
(b) operating the computer system to determine through use of the at least one data store, that the code received in (a) corresponds to a check cashing code;
(c) operating the computer system to determine through use of the at least one data store, which of the at least one cash dispensing automated banking machine is nearest to the mobile phone;
and
(d) operating the computer system to send to the mobile phone, at least one message that includes
(i) responsive at least in part to (b), verification that the code received in (a) corresponds to a check that can be anonymously cashed;
(ii) an amount associated with the check in (i);
and
(iii) responsive at least in part to (c), machine location data associated with the nearest machine.

11 more elements

A method comprising:

(a) operating at least one computer associated with a service provider system 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;
(b) operating the at least one computer to determine relative to the current location of the personal communication device, the 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
(c) operating the at least one computer to cause machine location data corresponding to location of the nearest automated banking machine determined in (b), to be sent to the personal communication device.

2 more elements

Dependencies are inferred from the claim text.

Facts

Application: 13/443,230Filed 10 Apr 2012
Priority: 5 Apr 2006
Published: 6 Sep 2012
Term ends: Not estimatedThe source records don’t support an estimate.

Classification16 codes

G06Q 40/00
Finance
G06Q 20/042
Payment circuits: characterized in that the payment protocol involves at least one cheque
G06Q 20/1085
Remote banking, e.g. home banking: involving automatic teller machines [ATMs]
G06Q 20/3221
Aspects of commerce using mobile devices [M-devices]: access to banking information through M-devices

Family

Application60/789,644Us provisional application · filed 5 Apr 2006
Application60/795,721Us provisional application · filed 28 Apr 2006
Application11/732,370Continuation · filed 3 Apr 2007
Application11/821,227Continuation · filed 22 Jun 2007
Application12/806,548Continuation · filed 16 Aug 2010
Application13/199,600Continuation · filed 2 Sep 2011
Application13/443,230Continuation
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From the US filing history. Foreign family members aren’t listed.