Check cashing with a mobile phone

US9292847B2 · kind B2 · utility

Assignee

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

Inventors

• Mark D. Smith · Panama City, US
• David E. Kolinski-Schultz · Canton, US
• Dale H. Blackson · Highland Heights, US
• Natarajan Ramachandran · Uniontown, US

Key dates

• Filing date: Apr 21, 2015
• Grant date: Mar 22, 2016
• Expiry date: Apr 21, 2035

Classification

• Technology area (CPC G): Physics
• CPC primary: G07F19/211
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

A card actuated automated banking machine (152, 198, 200) includes a plurality of transaction function devices. The transaction function devices include a card reader (170), a printer (174), a bill dispenser (176), a display (182), a check imaging device (186), and at least one processor (190). The machine is operative, responsive to receiving a check and certification data, to dispense cash in exchange for the check. The person presenting the check to the machine need not provide user identifying inputs through input devices of the machine in order to receive cash for the check. Furthermore, prior to accepting the check as a payment, the person can communicate with at least one computer (204) through at least one consumer interface device (208) to verify that the check is payable for the check amount.