Check accepting and cash dispensing automated banking machine
View Patent ↗An automated banking machine that is activated responsive to data read from user cards which accepts checks and dispense cash to users. The automatic banking machine is 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 automatic banking machine in exchange for a deposited check. The automatic banking machine dispenses cash responsive to communications with a transaction host.
1. A method comprising:
(a) receiving a document with an automated banking machine;
(b) sensing indicia on the document with at least one sensing device of the automated banking machine;
(c) analyzing data corresponding to the indicia sensed in step (b);
(d) moving the document along a pair of disposed document transport guides of the automated banking machine;
(e) engaging the document with a plunger member; and
(f) while engaging the document, moving the plunger member to move the document toward a storage location in the automated banking machine, wherein at least a portion of the plunger member moves in a transverse direction between the transport guides.
2. The method according to claim 1 and further comprising:
(g) receiving a second document with the automated banking machine;
(h) sensing second document indicia with the at least one sensing device;
(i) analyzing data corresponding to the indicia sensed in step (h);
(j) engaging the second document with a second plunger member; and
(k) while engaging the second document, moving the second plunger member to move the second document toward a storage location in the automated banking machine, wherein at least a portion of the second plunger member moves in a transverse direction between transport guides.
3. The method according to claim 2 wherein step (k) includes moving the second document toward a second storage location in the automated banking machine, wherein the transverse direction in step (k) is opposed of the transverse direction in step (f).
4. The method according to claim 3 wherein the transport guides in step (k) are the transport guides in step (f).
5. The method according to claim 2 wherein the transport guides in step (k) differ from the transport guides in step (f).
6. The method according to claim 5 wherein the transport guides in step (f) comprise first transport guides, wherein the first transport guides are arranged in the automated banking machine at a first vertical level,
wherein the transport guides in step (k) comprise second transport guides, wherein the second transport guides are arranged in the automated banking machine at a second vertical level, and wherein the second vertical level differs from the first vertical level,
wherein the first transport guides and the second transport guides are vertically aligned.
7. The method according to claim 2 wherein the first document comprises one of a check and a currency bill, wherein the second document comprises one of a check and a currency bill.
8. The method according to claim 1 wherein step (a) includes receiving one of a check and a currency bill into the machine.
9. The method according to claim 8 wherein step (b) includes sensing at least one of magnetic indicia and optical indicia.
10. The method according to claim 1 wherein the pair of disposed document transport guides comprise a pair of disposed vertically extending document support rails, wherein step (d) includes vertically moving the document along the rails.
11. The method according to claim 1 wherein the pair of disposed document transport guides comprise a pair of disposed belts, wherein step (d) includes moving the document with the belts.
12. The method according to claim 1 wherein step (f) includes moving the document in a transverse direction between the guides and into the storage location.
13. The method according to claim 1 wherein the automated banking machine includes a cash dispenser, and further comprising:
(g) dispensing cash from the automated banking machine responsive to the analysis in step (c).
14. A method comprising:
(a) receiving a first document with an automated banking machine;
(b) sensing first document indicia with at least one sensing device of the automated banking machine;
(c) analyzing data corresponding to the indicia sensed in step (b);
(d) moving the first document along a pair of disposed document supporting guides of a transport of the automated banking machine;
(e) moving the first document toward a first storage location in the automated banking machine, including engaging the first document with a first plunger member, wherein at least a portion of the first plunger member moves in a transverse direction between the guides of step (d);
(f) receiving a second document with the automated banking machine;
(g) sensing second document indicia with the at least one sensing device;
(h) analyzing data corresponding to the indicia sensed in step (g);
(i) moving the second document along a pair of disposed document supporting guides of a transport of the automated banking machine; and
(j) moving the second document toward a second storage location in the automated banking machine, including engaging the second document with a second plunger member, wherein at least a portion of the second plunger member moves in a transverse direction between the guides of step (i), and wherein the transverse direction in step (j) is opposed of the transverse direction in step (e).
15. The method according to claim 14 wherein the transport of step (i) is the transport of step (d), and wherein the guides of step (i) are the guides of step (d).
16. The method according to claim 14 wherein in step (d) the transport comprises a first transport and the guides comprise first transport guides,
wherein in step (i) the transport comprises a second transport and the guides comprise second transport guides,
wherein the second transport is different from the first transport, wherein the second transport guides are different from the first transport guides.
17. The method according to claim 16 wherein the first transport is arranged in the automated banking machine at a first vertical level, wherein the second transport is arranged in the automated banking machine at a second vertical level, and wherein the second vertical level differs from the first vertical level, wherein the first transport and the second transport are vertically aligned.
18. The method according to claim 14 wherein the automated banking machine includes a plurality of vertically aligned transports, wherein each transport includes a pair of disposed document supporting guides, wherein each pair of disposed document supporting guides is respectively arranged adjacent to opposed storage locations.
19. A method comprising:
(a) receiving a document with an automated banking machine;
(b) sensing indicia on the document with at least one sensing device of the automated banking machine;
(c) analyzing data corresponding to the indicia sensed in step (b), including determining that the document should be stored in a storage location in the automated banking machine;
(d) moving the document along a pair of disposed document transport guides of the automated banking machine; and
(e) responsive to the determination in step (c), moving the document toward the storage location, including engaging the document with a plunger member, wherein at least a portion of the plunger member moves in a transverse direction between the transport guides.
20. The method according to claim 19 wherein the transport guides are vertically extending, wherein step (d) includes vertically moving the document along the transport guides, wherein step (e) includes horizontally moving the plunger member relative to the transport guides, and further comprising:
(g) receiving another document with the automated banking machine;
(h) vertically moving the another document in the automated banking machine; and
(i) engaging the another document with another plunger member, wherein the another plunger member is operative to horizontally move relative to the transport guides in a direction opposed of the direction in step (e).