# US 2013/0159183 A1 · Method of operating an image-based self-service check depositing terminal to detect a duplicate check deposit

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- Number: US 2013/0159183 A1
- Document ID: US20130159183A1
- Status: Published application
- Kind: A1
- Application number: 13/327,340
- Filed: 2011-12-15
- Published: 2013-06-20
- Earliest claimed: 2011-12-15
- Assignees: NCR Corporation
- Inventors: Michael Lopez
- Web page: https://patentgrep.com/patent/US20130159183A1

## CPC

- G06Q 40/02: Banking, e.g. interest calculation or account maintenance (credit or loans G06Q40/03)
- G06Q 20/042: {characterized in that the payment protocol involves at least one cheque}
- G07F 19/202: {Depositing operations within ATMs (depositing in general G07D11/00)}
- G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G07F: COIN-FREED OR LIKE APPARATUS (coin sorting G07D3/00; coin testing G07D5/00; {handling coins or paper currencies apart from payment activated apparatus G07D; payment architectures, schemes or protocols G06Q20/00})

## Abstract

A method is provided of operating an image-based self-service check depositing terminal when a customer at the terminal is conducting a check deposit transaction. A check to be deposited is received from the customer. An image capture device electronically captures check image data which is representative of an image of the check. The check image data is electronically transmitted via a first communications network to a web service provider to allow the web service provider to determine if the check being deposited is a duplicate check. A verification message is received from the web-based service provider indicating that the check being deposited is either a duplicate check or not a duplicate check. The check image data is transmitted via a second communications network to a consolidation server when the verification message indicates that the check being deposited is not a duplicate check.

## Claims

### Claim 1

A method of operating an image-based self-service check depositing terminal to detect a duplicate check deposit when a customer at the image-based self-service check depositing terminal is conducting a check deposit transaction at the self-service check depositing terminal, the method comprising:
receiving from the customer a check to be deposited at the self-service check depositing terminal;
electronically by an image capture device, capturing check image data which is representative of an image of the check provided by the customer at the self-service terminal;
electronically transmitting via a first communications network the check image data to a web service provider to allow the web service provider to determine if the check being deposited is a duplicate check;
receiving from the web-based service provider a verification message indicating that the check being deposited is either a duplicate check or not a duplicate check; and
transmitting via a second communications network the check image data to a consolidation server when the verification message indicates that the check being deposited at the self-service check deposit terminal is not a duplicate check.

### Claim 2

(canceled)

### Claim 3 (depends on 1)

A method according to claim 1, further comprising:
alerting the user that the check being deposited is a duplicate check when the verification message indicates that the check being deposited is a duplicate check.

### Claim 4 (depends on 3)

A method according to claim 3, further comprising:
returning the check being deposited to the user.

### Claim 5 (depends on 1)

A method according to claim 1, wherein the first communications network and the second communication network are different and separate from each other.

### Claim 6 (depends on 1)

A method according to claim 1, wherein the first communications network comprises at least a portion of the second communication network.

### Claim 7 (depends on 1)

A method according to claim 1, wherein the verification message comprises an EXtensible Markup Language (XML) document.

### Claim 8 (depends on 1)

A method according to claim 1, wherein the method is performed by a computer having a memory executing one or more programs of instructions which are tangibly embodied in a program storage medium readable by the computer.

### Claim 9

A method of operating an image-based check depositing automated teller machine (ATM) to detect a duplicate check deposit when an ATM customer at the ATM is conducting a check deposit transaction at the ATM, the method comprising:
receiving from the ATM customer a check to be deposited at the ATM;
electronically by an image capture device, capturing check image data which is representative of an image of the check received from the ATM customer at the ATM;
electronically transmitting via a first communications network the check image data to a web service provider to allow the web service provider to determine if the check being deposited is a duplicate check;
receiving from the web-based service provider a verification message indicating that the check being deposited at the ATM is either a duplicate check or not a duplicate check; and
transmitting via a second communications network the check image data to a consolidation server when the verification message indicates that the check being deposited at the ATM is not a duplicate check.

### Claim 10

(canceled)

### Claim 11 (depends on 9)

A method according to claim 9, further comprising:
alerting the ATM customer that the check being deposited is a duplicate check when the verification message indicates that the check being deposited at the ATM is a duplicate check.

### Claim 12 (depends on 11)

A method according to claim 11, further comprising:
returning the check being deposited to the ATM customer.

### Claim 13 (depends on 9)

A method according to claim 9, wherein the first communications network and the second communication network are different and separate from each other.

### Claim 14 (depends on 9)

A method according to claim 9, wherein the first communications network comprises at least a portion of the second communication network.

### Claim 15 (depends on 9)

A method according to claim 9, wherein the verification message comprises an EXtensible Markup Language (XML) document.

### Claim 16 (depends on 9)

A method according to claim 9, wherein the method is performed by a computer having a memory executing one or more programs of instructions which are tangibly embodied in a program storage medium readable by the computer.

### Claim 17

A method of operating a web-based service provider to determine if a check being deposited at an automated teller machine (ATM) is a duplicate check, the method comprising:
receiving check image data which is representative of an image of a check being deposited at the ATM;
determining if the check image is representative of a duplicate check being deposited at the ATM;
generating a first verification message to indicate that the check being deposited is a duplicate check when a determination is made that the check being deposited at the ATM is a duplicate check;
generating a second verification message to indicate that the check being deposited is not a duplicate check when a determination is made that the check being deposited at the ATM is not a duplicate check; and
electronically transmitting a generated verification message to the ATM at which the check is being deposited.

### Claim 18 (depends on 17)

A method according to claim 17, further comprising:
storing the check image data which has been received from the ATM in a database only when a determination has been made that the check being deposited at the ATM is not a duplicate check.