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

US7735721B1 · kind B1 · utility

Assignee

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

Inventors

• Songtao Ma · Wadsworth, US
• Tim Crews · Alliance, US
• Edward L. Laskowski · Seven Hills, US

Key dates

• Filing date: Mar 8, 2006
• Grant date: Jun 15, 2010
• Expiry date: Mar 16, 2029

Classification

• Technology area (CPC G): Physics
• CPC primary: G07F19/20
• 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.