Method of evaluating checks deposited into a cash dispensing automated banking machine

US7494052B1 · kind B1 · utility

Assignee

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

Inventors

• Keith Carpenter · Akron, US
• Mike R. Ryan · Canton, US
• Tim Crews · Alliance, US
• Rahul Ravindra Pathak · Bengaluru, IN
• Songtao Ma · Wadsworth, US
• Edward L. Laskowski · Seven Hills, US

Key dates

• Filing date: Mar 8, 2006
• Grant date: Feb 24, 2009
• Expiry date: May 24, 2026

Classification

• Technology area (CPC G): Physics
• CPC primary: G07F19/205
• WIPO field: Control
• WIPO sector: Instruments

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.