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US 7,377,425 B1Granted
Method and system of evaluating checks deposited into a cash dispensing automated banking machine
AssigneeDiebold Self-Service Systems division of Diebold, Incorporated
InventorsSongtao Ma, Sangeeta Huria, Tim Crews, Edward L. Laskowski
Life of this patent
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Abstract
An automated banking machine system and method includes ATMs which accept checks and dispense cash to users. The ATMs are operated to acquire image and magnetic data from deposited checks to determine the genuineness of checks and the authority of a user to receive cash for such checks. Cash may be dispensed to the user from the ATM in exchange for the deposited check. The ATMs dispense cash responsive to communications with a transaction host. The transaction host provides transaction identifying data to the ATM. The ATM sends the transaction identifying data and check images to an image and transaction data server for processing.
Claims16
A method comprising:
- a) moving a check across at least one magnetic sensor;
- b) acquiring magnetic signals from the at least one magnetic sensor as the check moves across the at least one magnetic sensor;
- c) through operation of at least one processor in an automated banking machine, determining the portions of the magnetic signals which correspond to a plurality of Magnetic Ink Character Recognition (MICR) symbols, wherein each portion of the magnetic signals that corresponds to a MICR symbol includes a MICR symbol waveform;
- d) through operation of the at least one processor, for each MICR symbol waveform, identifying minimum and maximum peaks in the MICR symbol waveform and determining a set of amplitude values representative of the amplitudes of the identified peaks;
- e) through operation of the at least one processor, for each MICR symbol waveform, comparing the set of amplitude values determined in (d) for the respective MICR symbol waveform to each one of a plurality of predetermined sets of amplitude values for MICR symbols of at least one MICR font;
- f) through operation of the at least one processor, for each MICR symbol waveform, determining which MICR symbol of the at least one MICR font corresponds to the respective MICR symbol waveform responsive to (e);
- g) through operation of the at least one processor, determining at least one number from the MCR symbols determined in (f);
- and
- h) through operation of the at least one processor, sending at least one message to a remote computer, wherein the at least one message includes data representative of the at least one number determined in (g).
6 more elements
An apparatus comprising:
- at least one magnetic sensor;
- at least one transport, wherein the at least one transport is operative to move a check across the at least one magnetic sensor, wherein the at least one magnetic sensor is operative to detect magnetic signals as the check crosses the magnetic sensor;
- a data store comprising a plurality of predetermined sets of amplitude values for Magnetic Ink Character Recognition (MICR) symbols of at least one MICR font;
- at least one processor inoperative connection with the at least one magnetic sensor, the at least one transport, and the data store, wherein the at least one processor is operative to determine portions of the magnetic signals produced by the at least one magnetic sensor which correspond to a plurality of MICR symbols, wherein each portion of the magnetic signals that corresponds to a MICR symbol includes a MICR symbol waveform, wherein for each MICR symbol waveform, the at least one processor is operative to:
- identify minimum and maximum peaks in the MICR symbol waveform;
- determine a set of amplitude values representative of the amplitudes of the identified peaks;
- and
- determine which MICR symbol of the at least one MICR font corresponds to the respective MICR symbol waveform responsive to a comparison of the set of amplitude values determined for the respective MICR symbol waveform to each one of the plurality of predetermined sets of amplitude values for the MICR symbols of the at least one MICR font stored in the data stores;
- and
- wherein the at least one processor is operative to determine at least one number from the MCR symbols determined from the MICR symbol waveforms, wherein the at least one processor is operative to send at least one message to a remote computer, wherein the at least one message includes data representative of the at least one number.
7 more elements
Dependencies are inferred from the claim text.