US 8,011,576 B2Granted

Automated banking machine system and method

AssigneeDiebold Self-Service Systems division of Diebold, Incorporated

InventorsMark D. Smith, Atta Mateen, David E. Kolinski-Schultz, Dale H. Blackson, Natarajan Ramachandran

Life of this patent

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Abstract

A card actuated automated banking machine (152, 198, 200) includes a plurality of transaction function devices. The transaction function devices include a card reader (170), a printer (174), a bill dispenser (176), a coin dispenser (178), a display (182), a check imaging device (186), and at least one processor (190). The machine is operative responsive to receiving a check and certification data to dispense cash in exchange for the check. The person presenting the check need not provide user identifying inputs through input devices in order to receive cash for the check. A check recipient prior to presenting the check for payment is also enabled to verify that the check will be paid through communication with at least one computer (204) through at least one consumer interface device (208).

Claims15

Dependent claims

A method comprising:

(a) operating a mobile phone to capture at least one image of a financial check made by a check maker while the check is in possession of the check maker,
wherein the check is made payable to cash,
wherein the at least one image includes check data,
wherein the check data includes a check amount;
(b) subsequent to (a), operating the mobile phone to send the at least one image during a request that funds corresponding to the check amount be reserved to ensure check payment;
(c) subsequent to (b), operating the mobile phone to receive a message confirming receipt of the request,
wherein the message includes a code corresponding to the check, wherein the code allows both
a potential recipient of the check to verify that the check is payable for the check amount,
a recipient of the check to anonymously cash the check without providing any machine user identification data, at an automated banking machine
which includes a cash dispenser operative to cause stored cash to be dispensed,
which includes at least one reader device operative to read machine user identification data provided by a machine user, and
which requires that the recipient in order to cash the check without the code receive machine user authorization, which is dependent at least in part on computer-determined correspondence between
machine user identification data read by the at least one reader device and
user identification information stored in a data store.

11 more elements

A method comprising:

(a) operating a mobile phone to send identification data to a check verification system, wherein the identification data allows customer usage of the system to register a check as payable for a specified amount,
wherein the mobile phone includes check registration software affiliated with the system,
wherein the mobile phone includes a camera;
(b) operating the phone to capture at least one image of at least one side of a check, wherein the at least one image includes check data comprising both check identifying data and amount data, wherein the amount data corresponds to a check amount of the check;
(c) operating the phone to send the at least one image to the system, wherein the check data enables the system to verify that the check is good for the check amount;
and
(d) subsequent to (c), operating the phone to receive a check verification code sent from the system,
wherein the code is associated with the check amount in at least one data store,
wherein the code allows a potential recipient of the check to obtain from the system, verification that the check is good for the check amount.

6 more elements

A method comprising:

(a) operating a mobile phone to capture at least one image of a prepared financial check which indicates a check amount,
wherein the mobile phone includes a camera,
wherein the mobile phone includes check deposit software affiliated with a bank entity;
(b) operating the mobile phone during a check deposit transaction to receive a manually inputted value corresponding to the check amount;
and
(c) operating the mobile phone during the transaction to wirelessly send transaction data to a computer system of the bank entity,
wherein the transaction data includes bank customer data,
wherein the bank customer data is associated with an account held by a customer of the bank entity,
wherein the bank customer data includes customer verification data, which allows the customer to carry out a check deposit transaction on the account,
wherein the transaction data includes deposit data,
wherein the deposit data includes the at least one image captured in (a),
wherein the deposit data includes the value received in (b),
wherein the transaction data causes the bank entity to deposit the check amount into the account in carrying out the check deposit transaction.

10 more elements

Dependencies are inferred from the claim text.

Facts

Application: 12/806,548Filed 16 Aug 2010 · continuation
Priority: 5 Apr 2006
Published: US 2010/0318461 A116 Dec 2010
Granted: 6 Sep 2011
Term ends: Not estimatedThe source records don’t support an estimate.

Classification16 codes

G06Q 40/00
Finance
G06Q 20/042
Payment circuits: characterized in that the payment protocol involves at least one cheque
G06Q 20/1085
Remote banking, e.g. home banking: involving automatic teller machines [ATMs]
G06Q 20/3221
Aspects of commerce using mobile devices [M-devices]: access to banking information through M-devices

Family

Application60/789,644Us provisional application · filed 5 Apr 2006
Application60/795,721Us provisional application · filed 28 Apr 2006
Application11/732,370Parent of this continuation · filed 3 Apr 2007
Application11/821,227Parent of this continuation · filed 22 Jun 2007
US 2010/0318461 A1Pre-grant publication · published 16 Dec 2010
US 7,789,295 B2Parent of this continuation
US 7,416,112 B2Parent of this continuation
US 2007/0235520 A1Published application
US 2007/0246525 A1Published application
US 8,011,576 B2This patent

From the US filing history. Foreign family members aren’t listed.