# US 9,519,896 B2 · 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 9,519,896 B2 - Document ID: US9519896B2 - Status: Granted - Kind: B2 - Application number: 14/684,084 - Filed: 2015-04-10 - Published: 2015-07-30 - Granted: 2016-12-13 - Earliest claimed: 2012-03-12 - Assignees: Diebold Self-Service Systems division of Diebold, Incorporated - Applicants: Diebold Self-Service Systems, Division of Diebold, Incorporated - Inventors: James Block; H. Thomas Graef; Paul D. Magee; Donald S. Nelson, Jr.; James Meek; Daniel S. McIntyre; Mark DePietro; Natarajan Ramachandran - Web page: https://patentgrep.com/patent/US9519896B2 ## 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: determine that a first card data read by a card reader associated with an automated banking machine corresponds to a financial account on which transactions are authorized to be conducted automatically through an operation of the automated banking machine, wherein the automated banking machine comprises the card reader, a display, and a check acceptor; 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; automatically cause the check amount to be credited to the financial account through the operation of a first transaction authorization computer remote from the automated banking machine; obtain second card data read through the operation of the card reader, which second card data does not correspond to a financial account on which transactions are authorized to be conducted automatically through the operation of the automated banking machine, to be sent to a second transaction authorization computer remote from the machine that is different from the first transaction authorization computer. ### 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 3) The computer readable medium according to claim 3, wherein the automated banking machine further comprises: an audio input device; and an audio output device; wherein the instructions are operable to enable communication of signals corresponding to audio communication between the second transaction authorization computer and the machine, whereby two-way audio communication with a service provider at the second transaction authorization computer can be carried out. ### Claim 5 (depends on 4) The computer readable medium according to claim 4, wherein the card reader is configured to read data from a driver's license; and wherein the second card data corresponds to data read from a driver's license. ### Claim 6 (depends on 5) The computer readable medium according to claim 5, 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 7 (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 8 A method, comprising: determining, by a processor associated with an automated banking machine, that a first card data read by a card reader associated with the automated banking machine corresponds to a financial account on which transactions are authorized to be conducted automatically through an operation of the automated banking machine, wherein the automated banking machine comprises the card reader, a display, and a check acceptor; obtaining an electronic image corresponding to one side of a user input check from a check acceptor; resolving check data from the electronic image, wherein the check data includes a check amount; automatically causing, by the processor, the check amount to be credited to the financial account through the operation of a first transaction authorization computer remote from the automated banking machine; obtaining, by the processor, second card data read through the operation of the card reader, which second card data does not correspond to a financial account on which transactions are authorized to be conducted automatically through the operation of the automated banking machine, to be sent to a second transaction authorization computer remote from the machine that is different from the first transaction authorization computer. ### Claim 9 (depends on 8) The method according to claim 8, wherein the automated banking machine further includes a cash dispenser, the method further comprises causing 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 method 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 10) The method according to claim 10, wherein the automated banking machine further comprises an audio input device and an audio output device, the method further comprises enabling communication of signals corresponding to audio communication between the second transaction authorization computer and the machine, whereby two-way audio communication with a service provider at the second transaction authorization computer can be carried out. ### Claim 12 (depends on 11) The method according to claim 11, wherein the card reader is configured to read data from a driver's license; and wherein the second card data corresponds to data read from a driver's license. ### Claim 13 (depends on 12) The method according to claim 12, wherein the automated banking machine is associated with a camera, wherein the camera has a field of view adjacent the machine; and the method further comprises enabling 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 14 (depends on 8) The method according to claim 8, wherein the automated banking machine further includes a printer; and the method further comprises causing 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.