Check accepting and cash dispensing automated banking machine system and method

US7314163B1 · kind B1 · utility

Assignee

• Diebold Self-Service Systems, Division of Diebold, Incorporated · US

Inventors

• Tim Crews · Alliance, US
• Keith Carpenter · Akron, US
• Mike R. Ryan · Canton, US
• Laura Drozda · North Canton, US
• Wayne Warren · Akron, US
• Victor Bell · Alliance, US
• William McCarthy · Uniontown, US
• Matthew Pahl · Akron, US
• Martin J. Brown · Victoria, CA
• Dale H. Blackson · Highland Heights, US
• Todd Galloway · North Canton, US
• Robert W. Barnett · Louisville, US
• James R. Kay · Uniontown, US
• Mark A. Ward · Canton, US
• David A. Peters · Tallmadge, US
• Edward L. Laskowski · Seven Hills, US
• H. Thomas Graef · Bolivar, US

Key dates

• Filing date: Apr 16, 2007
• Grant date: Jan 1, 2008
• Expiry date: Apr 16, 2027

Classification

• Technology area (CPC G): Physics
• CPC primary: G07F19/20
• WIPO field: Control
• WIPO sector: Instruments

Abstract

An automated banking machine system includes ATMs that can accept checks. Cash may be dispensed from an ATM to the user in exchange for a check. Cancellation indicia can be marked on the check by the ATM. The ATM can acquire image data and magnetic data from a received check to determine the genuineness of the check and the authority of the user to cash the check. A check imaging device of the ATM can generate a digital image of a received check. The check image data can be stored in correlated relation with the related transaction data. The ATM can also modify the check image data to produce a modified check image that excludes sensitive check information, such as the user's account number in the micr line. The ATM can then print this modified check image on the user's transaction receipt.