Check accepting and cash dispensing automated banking machine system and method
View Patent ↗An automated banking machine operates using data included on user cards. The machine accepts checks and dispenses cash to users. The automated banking machine operates to acquire image and magnetic data from deposited checks and to determine the authority of a user to receive cash for such checks.
1. A method comprising:
(a) operating at least one computer of a banking system to cause a check reader to read data of a financial check, wherein the check reader is part of an automated banking machine of the banking system, wherein the automated banking machine is user operable responsive at least in part to user data read from at least one data bearing record by at least one user data reader of the automated banking machine;
(b) operating the at least one computer to cause check image data to be produced, wherein the check image data corresponds to at least one check image of at least one side of the check; and
(c) operating the at least one computer to cause respective different partials of the check image data to be accessibly stored in respective different data stores which are geographically remotely located from each other, resulting in none of the different data stores holding all of the check image data, wherein storage allows the different partials to be accessed to recreate the at least one check image.
2. The method according to claim 1 wherein the banking system includes a plurality of automated banking machines,
wherein each machine includes a cash dispenser,
wherein each machine includes both
a card reader, and
a biometric reader,
wherein each machine includes at least one machine processor,
wherein the at least one machine processor is operative during a transaction session involving a machine user 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,
and further comprising at the automated banking machine used in (a):
(d) operating the card reader to read card data;
(e) operating the biometric reader to read biometric data; and
(f) prior to (a), operating the at least one processor to authorize the machine user to request a financial transaction involving the cash dispenser, responsive at least in part to both
computer-determined correspondence between the card data read in (d) and stored card information, and
computer-determined correspondence between the biometric data read in (e) and stored biometric information.
3. The method according to claim 1 wherein in (c) the respective different data stores are in respective different automated banking machines of the banking system.
4. The method according to claim 1 wherein in (a)-(c) the at least one computer is part of the automated banking machine.
5. The method according to claim 1 wherein the automated banking machine comprises a first automated banking machine of the banking system, wherein the financial check comprises a first check, and further comprising:
(d) operating the at least one computer to cause a check reader of a second automated banking machine of the banking system to read data of a second check;
(e) operating the at least one computer to cause second check image data to be produced, wherein the second check image data corresponds to at least one check image of at least one side of the second check; and
(f) operating the at least one computer to cause respective different partials of the second check image data to be accessibly stored in the respective different data stores, resulting in none of the different data stores holding all of the second check image data,
wherein storage allows the different partials of the second check image data to be accessed to recreate the at least one check image of the at least one side of the second check.
6. The method according to claim 1 and further comprising:
(d) operating the at least one computer responsive at least in part to at least one user input received at the automated banking machine, to access the different partials stored in (c);
(e) operating the at least one computer responsive at least in part to the different partials accessed in (d), to cause the at least one check image to be recreated; and
(f) operating the at least one computer to cause the at least one check image recreated in (e) to be output through at least one display of an automated banking machine of the banking system.
7. The method according to claim 6 wherein the automated banking machine in (f) and the automated banking machine in (a) are the same machine.
8. The method according to claim 6 wherein the automated banking machine in (f) and the automated banking machine in (a) are different machines.
9. The method according to claim 1 wherein the check image data comprises a check image file, wherein in (c) the different partials comprise different pieces of the check image file,
wherein (c) includes causing each data store to only hold a partial amount of the check image file, wherein each individual partial amount is alone insufficient to allow the at least one check image to be recreated.
10. The method according to claim 1 the at least one computer is in operative connection with a plurality of automated banking machines of the banking system, and further comprising:
(d) reading a card through operation of a card reader of a first automated banking machine of the plurality of automated banking machines;
(e) receiving user input at the first automated banking machine; and
(f) dispensing cash from a cash dispenser of the first automated banking machine responsive at least in part to both (d) and (e).
11. The method according to claim 1 and further comprising:
(d) operating the at least one computer to cause the at least one user data reader of the automated banking machine to read user data;
wherein (c) includes causing partials of the user data read in (d) to be stored in different data stores.
12. The method according to claim 1 and further comprising:
(d) prior to (a), producing the at least one check image;
wherein (a) includes causing micr line data to be read from the at least one check image produced in (d),
wherein (c) includes causing portions of the micr line data to be stored in different data stores.
13. At least one article including computer executable instructions configured to cause at least one computer of a banking system that includes at least one automated banking machine which is user operable responsive at least in part to user data read from at least one data bearing record by at least one user data reader, to carry out a method comprising:
(a) operating the at least one computer to cause a check reader of an automated banking machine of the banking system to read data of a financial check;
(b) operating the at least one computer to cause check image data to be produced, wherein the check image data corresponds to at least one check image of at least one side of the check; and
(c) operating the at least one computer to cause respective different partials of the check image data to be accessibly stored in respective different data stores which are geographically remotely located from each other, resulting in none of the different data stores holding all of the check image data,
wherein storage allows the different partials to be accessed to recreate the at least one check image.
14. The at least one article according to claim 13 wherein in (c) the respective different data stores are in respective different automated banking machines of the banking system.
15. The at least one article according to claim 13 wherein in (a)-(c) the at least one computer is part of the automated banking machine.
16. Apparatus comprising:
an automated banking machine of a banking system,
wherein the machine includes at least one reader,
wherein the at least one reader includes at least one user data reader operative to read user data which corresponds to accounts on which financial transactions can be carried out,
wherein the at least one reader includes a check reader operative to read check data,
wherein the machine includes a check imager,
wherein the check imager is operative to capture an entire check image of at least one side of a check received by the machine during a financial transaction,
wherein the machine includes an accessible check image data repository,
wherein the repository includes at least a portion of an entire check image captured by the check imager,
wherein the repository includes portions of other entire check images captured by respective other check imagers of respective other machines of the banking system during other financial transactions,
wherein the repository includes a portion of an entire first check image captured at a first automated banking machine of the banking system, wherein only less than the entire first check image is stored in the repository,
wherein the repository includes a portion of an entire second check image captured at a second automated banking machine of the banking system, wherein only less than the entire second check image is stored in the repository,
wherein the machine is operative to carry out a financial transaction while the repository includes the portions of the other entire check images.
17. The apparatus according to claim 16 and further comprising at least one computer associated with the automated banking machine,
wherein the at least one computer is configured to cause the portions of the other entire check images to be accessed from the repository,
wherein the at least one computer is configured to cause the portion of the entire first check image to be accessed from the repository,
wherein the at least one computer is configured to cause the portion of the entire second check image to be accessed from the repository.
18. The apparatus according to claim 17 wherein the at least one computer is part of the automated banking machine.
19. The apparatus according to claim 16 wherein the repository comprises at least one data store in the automated banking machine.
20. The apparatus according to claim 16 and further comprising:
wherein the repository includes portions of other entire check data read by respective other check readers of the respective other machines during the other financial transactions,
wherein the repository includes a portion of an entire first check data read at the first automated banking machine, wherein only less than the entire first check data is stored in the repository,
wherein the portion of the entire first check data is stored in correlated relation in the repository with the portion of the entire first check image,
wherein the repository includes a portion of an entire second check data read at the second automated banking machine, wherein only less than the entire second check data is stored in the repository,
wherein the portion of the entire second check data is stored in correlated relation in the repository with the portion of the entire second check image.