Check accepting and cash dispensing automated banking machine system and method

At least one article including computer executable instructions operative to cause at least one computer in a system including a plurality of automated banking machines, which automated banking machines operate responsive to data read from data bearing records including user cards, and are all remote from the at least one computer, and adapted to carry out a plurality of transactions including dispensing cash and accepting checks, to carry out a method comprising:

• (a) receiving with the at least one computer from an automated banking machine that has received a check from a user, at least one first message including check data corresponding to visible indicia on the check;
• (b) responsive to receiving the at least one first message in step (a), sending to the automated banking machine through operation of the at least one computer, at least one second message including transaction identifying data, adapted to be communicated by the automated banking machine in conjunction with image data corresponding to at least one visual image of at least a portion of the check;
• and
• (c) subsequent to step (b), receiving with the at least one computer from the automated banking machine, at least one third message including
• image data corresponding to a visual image of at least a portion of the check, and
• the transaction identifying data.

A method carried out in a system including automated banking machines that operate responsive to data bearing records, comprising:

• (a) operating a transaction host that is adapted to authorize a plurality of automated banking machines that operate responsive to data read from user cards, to accept checks and dispense cash, to receive at least one first message that originated from a first automated banking machine, wherein the at least one first message includes
• a terminal identifier usable to uniquely identify the first automated banking machine,
• check data corresponding to visible indicia on at least one side of a check received by the first automated banking machine from a user of the first automated banking machine during a check cashing transaction, and
• a transaction authorization request corresponding to the check cashing transaction;
• (b) responsive to the at least one first message received in step (a), operating the transaction host to cause at least one second message to be sent to the first automated banking machine, wherein the at least one second message includes
• transaction number data usable to uniquely identify the check cashing transaction, and
• at least one instruction that authorizes the first automated banking machine to accept the check;
• (c) subsequent to step (b), operating a transaction data storage server to receive at least one third message that originated from the first automated banking machine, wherein the transaction data storage server differs from the transaction host, wherein the transaction data storage server and the transaction host are remotely located from the first automated banking machine, and wherein the at least one third message includes
• the transaction number data, and
• check image data corresponding to a visual image of at least a portion of the check;
• and
• (d) subsequent to step (c), operating the transaction data storage server to cause at least one fourth message to be sent to the first automated banking machine, wherein the at least one fourth message includes
• an acknowledgment that the at least one third message was received by the transaction data storage server.