Check accepting and cash dispensing automated banking machine system and method

US8141774B2 · kind B2 · utility

Assignee

• DIEBOLD, INC. · US

Inventors

• Thomas A. VanKirk · Wooster, US
• Jon E. Washington · Wilmington, US
• Brian Jones · Redmond, US
• William D. Beskitt · Canton, US
• Harry T. Graef · Bolivar, US
• David A. Peters · Tallmadge, US
• Damon J. Blackford · Akron, US
• Dale H. Blackson · Highland Heights, US
• Edward L. Laskowski · Seven Hills, US
• Songtao Ma · Wadsworth, US
• Tim Crews · Alliance, US
• Wayne Warren · Akron, US
• Martin J. Brown · Victoria, CA
• Todd Galloway · North Canton, US
• Kenneth Turocy · Wadsworth, US
• Douglas T. Dominick · North Canton, US
• Jason J. Smolk · Fairlawn, US
• Brian E. Lucas · Wilmington, US
• Bradley Lightner · Akron, US
• James Meek · Canton, US
• Robert W. Barnett · Louisville, US
• Mike Ryan · Canton, US
• James R. Kay · Uniontown, US
• Mark A. Ward · Canton, US
• Victor Bell · Alliance, US
• William McCarthy · Uniontown, US
• Matthew Pahl · Akron, US
• Keith Carpenter · Akron, US
• Laura Drozda · North Canton, US

Key dates

• Filing date: Apr 5, 2011
• Grant date: Mar 27, 2012
• Expiry date: Apr 5, 2031

Classification

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

Abstract

An automated banking machine operates responsive to data read from user cards to accept checks and dispense cash to authorized machine users. The machine can compare image data and magnetic data obtained from a check to determine the genuineness of the check. The machine can also determine whether a machine user is authorized to exchange a check for cash. A cash dispenser can be operated to dispense cash to a machine user in exchange for a deposited check. The machine dispenses the cash responsive to communications with a transaction host.