Granted Patent B2

US 7,461,773 · App. 11/159,080 · Granted Dec 9, 2008

Abstract

Claims (30)

1. A method of operating a publicly-accessible image-based check depositing terminal to allow a customer to conduct a check deposit transaction in an unattended environment when the check depositing terminal is in a non-fault condition and to allow a third party individual who is a non-customer to service the check depositing terminal when the check depositing terminal is in a fault condition, the method comprising the steps of:

receiving a customer identification card from the customer when the check depositing terminal is in a non-fault condition and the customer is conducting a check deposit transaction at the check depositing terminal;

receiving a non-customer identification card from the third party individual who is a non-customer when the check depositing terminal is in a fault condition and the third party individual is servicing the check depositing terminal to clear the fault condition;

reading from the non-customer identification card data which is representative of an account number of a reconciliation account associated with a financial institution when the non-customer identification card is received from the third party individual servicing the check depositing terminal to clear the fault condition;

receiving from the third party individual a check which has been recovered from the terminal by the third party individual while servicing the check deposit terminal to clear the fault condition;

capturing an image of the check received from the third party individual;

transporting the check received from the third party individual to a check storage bin after the image of the check has been captured; and

transmitting to the financial institution the captured image of the check together with the data which has been read from the non-customer identification card and, wherein the data is representative of the account number of the reconciliation account associated with the financial institution.

2. A method according to claim 1 , further comprising the step of:

returning the non-customer identification card to the third party individual after the check has been transported to the check storage bin.

3. A method of operating a publicly-accessible image-based check depositing terminal to allow a bank customer to conduct a check deposit transaction in an unattended environment when the check depositing terminal is in a non-fault condition and to allow an individual who is a non-customer to service the check depositing terminal when the check depositing terminal is in a fault condition, the method comprising the steps of:

receiving a customer identification card from the bank customer when the check depositing terminal is in a non-fault condition and the bank customer is conducting a check deposit transaction at the check depositing terminal;

receiving a non-customer identification card from a bank employee who has responsibility for servicing the check depositing terminal to clear the fault condition;

reading from the non-customer identification card data which is representative of an account number of a reconciliation account associated with a bank;

receiving from the bank employee a check which has been recovered from the terminal by the bank employee while servicing the check depositing terminal to clear the fault condition;

capturing an image of the check received from the bank employee;

transporting the check received from the bank employee to a check storage bin after the image of the check has been captured; and

transmitting to the bank the captured image of the check together with the data which has been read from the non-customer identification card and is representative of the account number of the reconciliation account associated with the bank.

4. A method according to claim 3 , further comprising the step of:

returning the non-customer identification card to the bank employee after the check has been transported to the check storage bin.

5. A method of operating a publicly-accessible image-based check depositing terminal to allow a customer to conduct a check deposit transaction in an unattended environment when the check depositing terminal is in a non-fault condition and to allow an individual who is a non-customer to service the check depositing terminal when the check depositing terminal is in a fault condition, the method comprising the steps of:

receiving a customer identification card from the customer when the check depositing terminal is in a non-fault condition and the customer is conducting a check deposit transaction at the check depositing terminal;

receiving a non-customer identification card from an employee of a third party transit company who has responsibility for servicing the check depositing terminal to clear the fault condition;

reading from the non-customer identification card data which is representative of an account number of a reconciliation account associated with a financial institution;

receiving from the employee of the third party transit company a check which has been recovered from the terminal by the employee while servicing the check depositing terminal to clear the fault condition;

capturing an image of the check received from the employee of the third party transit company;

transporting the check received from the employee of the third party transit company to a check storage bin after the image of the check has been captured; and

transmitting to the financial institution the captured image of the check together with the data which has been read from the non-customer identification card and is representative of the account number of the reconciliation account associated with the financial institution.

6. A method according to claim 5 , further comprising the step of:

returning the non-customer identification card to the employee of the third party transit company after the check has been transported to the check storage bin.

Assignments (10)