Automated banking machine that operates responsive to data bearing records
View Patent ↗A system controlled responsive to a data bearing record includes a card reader that is operative to read data from user cards including identifying data, and to authorize operation of an automated banking machine responsive to the identifying data. The automated banking machine may be operative to provide an electronic transaction receipt from the banking machine. A bank host computer may be operable to submit the receipt to a system address of record with the bank. The address of record may correspond to an e-mail address, phone number or other address associated with an account involved in the transaction. The receipt may include an image or images associated with the transaction and may be sent to a user of a banking machine. The system may also operate to image deposited checks deposited at a banking machine and may be electronically sent to a maker, payee, or clearinghouse.
1. At least one computer readable medium comprising non-transitory computer executable instructions that when executed by at least one computer associated with an automated banking machine, causes the at least one computer to carry out a method comprising the steps of:
a) operating the automated banking machine to read data from a user card through operation of a card reader of the machine;
b) operating the automated banking machine to cause the machine to determine that the card data read in (a) corresponds to an authorized machine user;
c) responsive to the determination in (b), operating the automated banking machine to dispense cash to the machine user, including operating at least one device of the automated banking machine responsive to at least one instruction included in at least one markup language document;
d) operating the automated banking machine to cause an amount corresponding to the cash dispensed in (c) to be assessed to the user;
e) operating the automated banking machine to cause at least one message to be sent to at least one system address associated with a personal device of the user, wherein the at least one system address is associated with a computer other than a computer of the machine.
2. The at least one computer readable medium according to claim 1 wherein in (e) the at least one message indicates the amount.
3. The at least one computer readable medium according to claim 2 wherein in (e) the at least one system address is an address of a personal computing device of the user.
4. The at least one computer readable medium according to claim 3 wherein in (e) the at least one message comprises an electronic receipt.
5. The at least one computer readable medium according to claim 4 wherein the automated banking machine includes a check acceptor and an imaging device,
wherein in (c) the dispensed cash is associated with a check received by the check acceptor,
wherein the imaging device is operable to generate an electronic image of at least a portion of the check received,
wherein the electronic receipt includes the electronic image.
6. The at least one computer readable medium according to claim 1 wherein in (a) the card data is usable to identify user account data,
wherein the user account data is correlated in at least one data store with address data corresponding to the at least one system address,
wherein in (e) the at least one system address includes an address assigned to the personal device of the user.
7. The at least one computer readable medium according to claim 6 wherein in (e) the at least one message comprises an electronic receipt,
wherein the electronic receipt includes transaction data,
wherein the transaction data indicates a transaction date and the amount.
8. The at least one computer readable medium according to claim 7 and further comprising:
(f) prior to (c), operating the machine to receive a check from the user;
(g) operating the machine to cause a financial account corresponding to the card data read in (a) to be credited a deposited value associated with an amount of the check received in (f);
(h) operating the machine to generate an electronic image of at least a portion of the check received in (f);
wherein in (e) the electronic receipt includes both the transaction data and the electronic image generated in (h).
9. Apparatus comprising:
an automated banking machine associated with at least one computer,
wherein the machine includes at least one reader,
wherein the at least one computer is configured to cause the at least one reader to read user data usable to identify a user account,
wherein the machine is operable to carry out a transaction on the user account responsive at least in part to computer-determined correspondence between user data read by the at least one reader and the user account,
wherein the machine includes a cash dispenser,
wherein the at least one computer is configured to cause the cash dispenser to selectively dispense cash stored in the machine to authorized users of the machine, responsive at least in part to at least one instruction included in at least one document received by the at least one computer,
wherein the at least one computer is configured to cause an amount corresponding to dispensed cash to be assessed to the user account,
wherein the at least one computer is configured to cause at least one message to be sent to at least one system address associated with a personal device of the user, wherein the at least one system address is associated with a computer other than a computer of the machine.
10. The apparatus according to claim 9 wherein the automated banking machine is operable to receive at least one instruction included in at least one markup language document.
11. The apparatus according to claim 9 wherein the at least one message indicates the amount.
12. The apparatus according to claim 11 wherein the at least one system address is an address of a personal computing device of the user, wherein the at least one computer is configured to cause the at least one message to be sent to the personal computing device.
13. The apparatus according to claim 12 wherein the at least one message comprises an electronic receipt.
14. The apparatus according to claim 13 wherein the machine includes a check acceptor and an imaging device,
wherein the dispensed cash is associated with a check received by the check acceptor,
wherein the imaging device is operable to generate an electronic image of at least a portion of the check received,
wherein the electronic receipt includes the electronic image.
15. The apparatus according to claim 12 wherein the at least one computer is configured to determine the at least one system address based at least in part on correspondence between data corresponding to the user account and address data stored in at least one data store.
16. At least one computer readable medium comprising non-transitory computer executable instructions that when executed by at least one computer of a banking system comprising at least one automated banking machine that includes a cash dispenser and at least one reader, causes the at least one computer to carry out a method comprising the steps of:
(a) operating the banking system to read user data received from a user of an automated banking machine,
wherein the user data is usable to identify a financial account,
(b) operating the banking system,
responsive at least in part to the user being recognized as an authorized user of the machine
based at least in part on correspondence between the user data read in (a) and authorized machine user identification data stored in at least one data store,
to allow the user to conduct a check cashing transaction involving the financial account,
(c) subsequent to (a), operating the banking system to receive a check from the user during a check cashing transaction, wherein the check has a financial value;
(d) operating the banking system to cause the financial account to be credited a monetary value associated with an amount of the check received in (c);
(e) operating the banking system to dispense to the user, an amount of cash associated with the financial value;
(f) operating the banking system to generate an electronic image of at least a portion of the check received in (c); and
(g) operating the banking system to determine
based at least in part on correspondence between data corresponding to the financial account and address data stored in the at least one data store,
an address of a personal device of the user to which the banking system is operable to electronically send an electronic receipt that includes at least a portion of the electronic image generated in (f), wherein the personal device comprises a computer other than a computer of the machine.
17. The at least one computer readable medium according to claim 16
wherein the banking system includes at least one computer,
wherein the at least one reader includes both
a card reader, and
a biometric reader,
wherein the at least one computer is operative during a user transaction session to:
cause card data to be read through operation of the card reader, and
cause biometric data to be read through operation of the biometric reader,
wherein (a) includes:
(ai) operating the card reader to read card data; and
(aii) operating the biometric reader to read biometric data;
and further comprising:
(h) prior to (b), operating the at least one computer to allow the user to conduct a check cashing transaction, responsive at least in part to both
computer-determined correspondence between the card data read in (ai) and stored card information, and
computer-determined correspondence between the biometric data read in (aii) and stored biometric information.
18. The at least one computer readable medium according to claim 16 wherein in (a)-(f) the banking system is an automated banking machine.
19. The at least one computer readable medium according to claim 16 wherein (g) includes operating the banking system to determine a text message address of the personal device.
20. The at least one computer readable medium according to claim 16 wherein the personal device comprises a mobile phone, wherein (g) includes operating the banking system to determine an address of the mobile phone.