# US 2018/0025336 A1 · Check cashing automated banking machine > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 2018/0025336 A1 - Document ID: US20180025336A1 - Status: Published application - Kind: A1 - Application number: 15/708,726 - Filed: 2017-09-19 - Published: 2018-01-25 - Earliest claimed: 2012-03-12 - Assignees: Diebold Nixdorf, Incorporated - Applicants: Diebold Nixdorf, Incorporated - Inventors: James Block; H. Thomas GRAEF; Paul D. Magee; Donald S. Nelson, JR.; James Meek; Daniel S. McINTYRE; Mark A. DEPIETRO; Natarajan Ramachandran - Web page: https://patentgrep.com/patent/US20180025336A1 ## CPC - G06Q 20/1085: {involving automatic teller machines [ATMs]} - G06Q 20/042: {characterized in that the payment protocol involves at least one cheque} - G06Q 20/308: {using the Internet of Things} - G06Q 20/409: {Device specific authentication in transaction processing} - G07F 19/20: {Automatic teller machines [ATMs]} - 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 An automated banking machine is operated at least in part to data read from data bearing records. The machine is operative to carry out a financial transfer responsive at least in part to a determination that data read through a card reader of the machine corresponds to a financial account that is authorized to conduct a transaction through operation of the machine. The machine also includes a check acceptor operative to receive checks from machine users. The check acceptor is operative image checks and data resolved from check images is used in operation of the machine to cause financial transfers. ## Claims ### Claim 1 A tangible, non-transitory computer readable medium of execution with instructions encoded thereon for execution by a processor, and when executed operable to: automatically through an operation of an automated banking machine, wherein the automated banking machine comprises a display, a check acceptor, and a card reader; wherein the processor is associated with an automated banking machine; obtain an electronic image corresponding to one side of a user input check from a check acceptor; resolve check data from the electronic image, wherein the check data includes a check amount; request identification of a user of the automated banking machine the form of card data responsive to the check amount exceeding a predetermined threshold amount; and obtain first card data read through the operation of the card reader; verify the first card data corresponds to an account holder of the financial account, the card data to be sent to a second transaction authorization computer remote from the machine that is different from a first transaction authorization computer; obtain second data through operation of the card reader, the second card reader comprises a hologram; verify the hologram is authentic; and automatically cause the check amount to be credited to the financial account through the operation of the first transaction authorization computer remote from the automated banking machine responsive at least in part to verification of the first card data and verification that the hologram is authentic. ### Claim 2 (depends on 1) The computer readable medium according to claim 1, wherein the automated banking machine further includes a cash dispenser; wherein the instructions are further operable to cause the cash dispenser to operate to dispense a cash amount corresponding to the check amount responsive at least in part to the second transaction authorization computer. ### Claim 3 (depends on 2) The computer readable medium according to claim 2, wherein the second transaction authorization computer causes the cash dispenser operation responsive at least in part to at least one input received by the second authorization computer through an input device activated by a human service provider. ### Claim 4 (depends on 1) The computer readable medium according to claim 1, wherein the card reader is configured to read data from a driver's license; and wherein the first card data corresponds to data read from a driver's license. ### Claim 5 (depends on 4) The computer readable medium according to claim 4, wherein the automated banking machine is associated with a camera, wherein the camera has a field of view adjacent the machine; and wherein the instructions are further operable to enable signals corresponding to video to be communicated between the second transaction authorization computer and the machine, whereby two-way video communication with a service provider at the second transaction authorization can be conducted. ### Claim 6 (depends on 1) The computer readable medium according to claim 1, wherein the automated banking machine further includes a printer; wherein the instructions are further operable to cause the printer to print a document responsive at least in part to one of a group consisting of an automatic operation of the first transaction authorization computer, and at least one human provided input received through at least one input device in operative connection with the second transaction authorization computer. ### Claim 7 (depends on 1) The computer readable medium according to claim 1, further comprising: a second card reader; wherein the second card reader is operable to receive a card for determining the financial account on which transactions are authorized to be conducted automatically through operation of the automated banking machine. ### Claim 8 A tangible, non-transitory computer readable medium of execution with instructions encoded thereon for execution by a processor, and when executed operable to: automatically through an operation of an automated banking machine, wherein the automated banking machine comprises a display, a check acceptor, and a card reader; wherein the processor is associated with an automated banking machine; obtain an electronic image corresponding to one side of a user input check from a check acceptor; resolve check data from the electronic image, wherein the check data includes a check amount; request identification of a user of the automated banking machine the form of card data responsive to the check amount exceeding a predetermined threshold amount; and obtain first card data read through the operation of the card reader; verify the first card data corresponds to an account holder of the financial account, the card data to be sent to a second transaction authorization computer remote from the machine that is different from a first transaction authorization computer; obtain second data through operation of the card reader, the second card reader comprises a bar code; verify the bar code is authentic; and automatically cause the check amount to be credited to the financial account through the operation of the first transaction authorization computer remote from the automated banking machine responsive at least in part to verification of the first card data and verification that the bar code is authentic. ### Claim 9 (depends on 8) The computer readable medium according to claim 8, wherein the automated banking machine further includes a cash dispenser; wherein the instructions are further operable to cause the cash dispenser to operate to dispense a cash amount corresponding to the check amount responsive at least in part to the second transaction authorization computer. ### Claim 10 (depends on 9) The computer readable medium according to claim 9, wherein the second transaction authorization computer causes the cash dispenser operation responsive at least in part to at least one input received by the second authorization computer through an input device activated by a human service provider. ### Claim 11 (depends on 8) The computer readable medium according to claim 8, wherein the card reader is configured to read data from a driver's license; and wherein the first card data corresponds to data read from a driver's license. ### Claim 12 (depends on 11) The computer readable medium according to claim 11, wherein the automated banking machine is associated with a camera, wherein the camera has a field of view adjacent the machine; and wherein the instructions are further operable to enable signals corresponding to video to be communicated between the second transaction authorization computer and the machine, whereby two-way video communication with a service provider at the second transaction authorization can be conducted. ### Claim 13 (depends on 8) The computer readable medium according to claim 8, wherein the automated banking machine further includes a printer; wherein the instructions are further operable to cause the printer to print a document responsive at least in part to one of a group consisting of an automatic operation of the first transaction authorization computer, and at least one human provided input received through at least one input device in operative connection with the second transaction authorization computer. ### Claim 14 (depends on 8) The computer readable medium according to claim 8, further comprising: a second card reader; wherein the second card reader is operable to receive a card for determining the financial account on which transactions are authorized to be conducted automatically through operation of the automated banking machine. ### Claim 15 A tangible, non-transitory computer readable medium of execution with instructions encoded thereon for execution by a processor, and when executed operable to: determine a financial account on which transactions are authorized to be conducted automatically through an operation of an automated banking machine, wherein the automated banking machine comprises a display, a check acceptor, and a card reader; wherein the processor is associated with an automated banking machine; obtain an electronic image corresponding to one side of a user input check from a check acceptor; resolve check data from the electronic image, wherein the check data includes a check amount; request identification of a user of the automated banking machine the form of card data responsive to the check amount exceeding a predetermined threshold amount; and obtain card data read through the operation of the card reader, the card data comprises first card data visible on the card and second card data encoded in a magnetic stripe; verify the first card data matches the second card data; verify the card data comprises data that corresponds to an account holder of the financial account, the card data to be sent to a second transaction authorization computer remote from the machine that is different from a first transaction authorization computer; and automatically cause the check amount to be credited to the financial account through the operation of the first transaction authorization computer remote from the automated banking machine responsive at least in part to verification of the card data. ### Claim 16 (depends on 15) The computer readable medium according to claim 15, wherein the automated banking machine further includes a cash dispenser; wherein the instructions are further operable to cause the cash dispenser to operate to dispense a cash amount corresponding to the check amount responsive at least in part to the second transaction authorization computer. ### Claim 17 (depends on 16) The computer readable medium according to claim 16, wherein the second transaction authorization computer causes the cash dispenser operation responsive at least in part to at least one input received by the second authorization computer through an input device activated by a human service provider. ### Claim 18 (depends on 15) The computer readable medium according to claim 15, wherein the card reader is configured to read data from a driver's license; and wherein the card data corresponds to data read from a driver's license. ### Claim 19 (depends on 18) The computer readable medium according to claim 18, wherein the automated banking machine is associated with a camera, wherein the camera has a field of view adjacent the machine; and wherein the instructions are further operable to enable signals corresponding to video to be communicated between the second transaction authorization computer and the machine, whereby two-way video communication with a service provider at the second transaction authorization can be conducted. ### Claim 20 (depends on 15) The computer readable medium according to claim 15, wherein the automated banking machine further includes a printer; wherein the instructions are further operable to cause the printer to print a document responsive at least in part to one of a group consisting of an automatic operation of the first transaction authorization computer, and at least one human provided input received through at least one input device in operative connection with the second transaction authorization computer.