Automated document cashing system

An automated banking system for receiving cash from a user and for dispensing cash to a user comprising:

• an automated machine having a card receiver for receiving a card which identifies a user as being qualified to use the machine;
• a document receiver for receiving a document to be cashed;
• a reader for reading the document for the amount and for a valid signature of the user if cash is to be dispensed to the user;
• a cash dispenser in the automated machine for dispensing cash to the user operable upon an accepted reading by the reader;
• a cash receiver for receiving cash and for analyzing the amount of cash received from the user;
• a cash storage in the machine for receiving the cash being deposited by the user;
• and
• a transactional operator for operation by the user to perform a transaction upon deposit of sufficient cash by user for the requested transaction.

A method of cashing a check or money order document with an automated machine comprising:

• providing an automated machine having a card receiver for receiving the card which identifies a qualified user for cashing a check or money order document;
• inserting the card into the machine, reading the data on the card and verifying that the user is qualified to cash a document;
• entering the monetary amount of the document to be processed;
• inserting a document into a document receiver within the machine;
• recording images from the document on the front and the back of the document;
• evaluating the cursive signature on the document and confirming that the signature is acceptable by reviewing the signature on record;
• reading the amount of the document to be cashed from the document;
• performing a transaction by a modem through a banking network;
• and
• dispensing cash after proper evaluation of the signature to the user.

A method of automated banking for receiving cash from a user and for dispensing cash from the machine to the user comprising:

• providing an automated machine having a card receiver for receiving a card, which identifies the user as being qualified to use the machine;
• providing a document receiver for receiving a document to be cashed and a reader for reading the document for the amount;
• providing a cash dispenser for dispensing cash to the user operable upon an acceptable transaction;
• depositing cash into the machine and calculating the amount of cash being deposited into the machine;
• and
• inquiring of the user what transaction is to be performed with the deposited cash.

A method of operating an unattended banking machine for performing a number of banking transactions and other transactions by a user, comprising:

• providing an automated machine having a card receiver for receiving a card which identifies the user as being qualified to use the machine;
• displaying to the user a list of selected, transactional options including withdrawal of cash option, a deposit of cash option, a cashing check option, a cashing money order option, a buying money order option, a wire transfer screen option, a bill payment option and purchasing option;
• receiving a card and verifying the user as being qualified;
• reading any document being deposited with respect to the amount on the document and to the validity of any signature on the document, as that being of a qualified user, dispensing cash to the user if the user has selected the option of cashing a check or a money order;
• and
• providing the user with a receipt for the transactional option selected by the user upon completion thereof.