Automated banking machine that operates responsive to data bearing records
View Patent ↗A system controlled responsive to data bearing records includes a card reader that is operative to read card data from user cards including identifying data, and authorizes operation of an automated banking machine responsive to the identifying data. The automated banking machine is operative to generate a check in response to inputs from a user of the banking machine. The banking machine is operative to present the check to a user of the automated banking machine. The banking machine may be operative to present an interface or other method for a user to sign the check. The banking account corresponding to the user of the banking machine is charged an amount corresponding to the value of the check. In exchange for the check being presented at the same banking machine that generated the check, the banking machine is operative to provide the user with cash dispensed from the automated banking machine.
1. Apparatus controlled responsive to data bearing records, comprising:
an automated banking machine including:
a card reader, wherein the card reader is operative to read card data from user cards, wherein the card data read from a card corresponds to a respective financial account;
a check generating device;
a check presenting device;
a check accepting device;
a cash dispenser;
at least one computer in operative connection with the check generating device, the check presenting device, the check accepting device and the cash dispenser, and wherein the at least one computer is operative to cause the banking machine to read data from a card of a user corresponding to a user financial account, generate a check, present the check to the user, accept the same check that was generated by the machine from the user, dispense cash to the user in response to accepting the check, and cause the user financial account to be assessed an amount corresponding to the check.
2. A method comprising:
(a) generating a check through operation of an automatic banking machine that includes a card reader, wherein the card reader is operative to read card data from a user card corresponding to a financial account of a user of the machine, wherein the machine is operative responsive at least in part to the card data to generate the check, wherein the check corresponds to the financial account;
(b) presenting to the user through operation of the machine, the check generated in (a);
(c) presenting responsive at least in part to operation of the machine, at least one interface output prompting the user to endorse the check;
(d) accepting from the user through operation of the machine, the same check that was generated in (a);
(e) charging responsive at least in part to operation of at least one processor associated with the machine, the financial account for an amount associated with the check generated in (a); and
(f) providing to the user responsive at least in part to operation of the machine, something of value in exchange for the check accepted in (d);
wherein in (f) cash is provided to the user from the machine.
3. The method according to claim 2 and further comprising:
g) producing data corresponding to an electronic image of the check through operation of an imaging device in the machine.
4. The method according to claim 3 and further comprising:
h) sending data corresponding to the electronic image from the machine to a remote system address that is uniquely associated with the financial account.
5. The method according to claim 2 wherein the check generated in (a) comprises a virtual check.
6. The method according to claim 5 wherein the machine includes a display comprising a display screen, and further comprising:
(g) prior to (b), operating the machine to cause the virtual check to be displayed to the user through the display screen.
7. A method comprising:
(a) operating an automatic transaction machine to generate a check that corresponds to a financial account associated with user data read by at least one reader of the machine, wherein the machine includes at least one printer and at least one display comprising a display screen;
(b) operating the machine to print and dispense to a user of the machine, a paper check that corresponds to the check generated in (a);
(c) operating the machine to provide through the at least one display, at least one output that prompts the user to endorse the paper check dispensed in (b);
(d) subsequent to (c), operating the machine to accept the paper check from the user;
(e) operating the machine to cause the financial account to be charged an amount associated with a monetary value of the paper check accepted in (d); and
(f) operating the machine responsive at least in part to accepting the paper check in (d), to cause at least one item to be provided to the user, wherein the at least one item has a monetary value associated with the monetary value of the paper check wherein the at least one item differs from the paper check;
wherein (a)-(f) are performed during a same user session with the machine.
8. The method according to claim 7 wherein the at least one reader includes a card reader; and further comprising:
g) prior to (a), reading the user data from a user card through operation of the card reader.
9. The method according to claim 7 wherein the paper check dispensed in (b) needs a signature of the user to be legally valid, wherein the check accepted in (d) includes the signature of the user.
10. The method according to claim 7 and further comprising:
(g) sending through operation of the banking machine, data corresponding to an image of the check accepted in (d) to at least one remote system address.
11. The method according to claim 10 wherein in (g) the at least one remote system address is uniquely associated with the financial account.
12. The method according to claim 7 wherein (f) includes operating the machine to allow the at least one item to be provided by a cashier remotely located from the machine.
13. The method according to claim 7 and further comprising:
g) responsive to operation of the machine, sending the user an electronic receipt, wherein the receipt indicates charging the financial account the amount associated with the monetary value of the check.
14. The method according to claim 13 wherein in (g) the electronic receipt comprises an e-mail message, wherein the electronic receipt includes data corresponding to an electronic image of at least a portion of the check.
15. The method according to claim 7 wherein (f) includes operating the machine to dispense the at least one item to the user.
16. The method according to claim 15 wherein the machine includes a cash dispenser, wherein the at least one item includes cash, wherein (f) includes operating the cash dispenser to cause cash to be dispensed to the user from the machine.
17. The method according to claim 15 wherein in (f) the at least one item is associated with betting.
18. The method according to claim 17 wherein in (f) the at least one item includes a betting slip.
19. The method according to claim 7 wherein the check generated in (a) comprises a virtual check.
20. The method according to claim 19 and further comprising:
(g) prior to (b), operating the machine to cause the virtual check to be displayed through the at least one display to the user.