Granted Patent B1

US 8,616,442 · App. 13/317,612 · Granted Dec 31, 2013

Abstract

Claims (102)

1. Apparatus comprising:

an automated banking machine operable to cause financial transfers responsive at least in part to data read from data bearing records, including:

a card reader, wherein the card reader is operable to read card data from user cards, wherein the card data corresponds to financial accounts,

an imaging device, wherein the imaging device is operable to cause check image data to be produced, wherein the check image data corresponds to at least a portion of a visual image of a check received in the machine,

a sheet dispenser, wherein the sheet dispenser is operable to selectively provide sheets from the machine,

at least one processor associated with the automated banking machine,

wherein the at least one processor is in operative connection with the card reader, the imaging device, and the sheet dispenser,

wherein the at least one processor is configured to communicate with:

a first computer remote from the machine, and

a second computer remote from the machine,

wherein the second computer differs from the first computer;

wherein the at least one processor is configured to operate through communication with the first computer, to:

cause a computer determination to be made that the card data read from a user card corresponds to an authorized financial account, and

cause responsive at least in part to the determination, financial transfer at least one of to or from the financial account;

wherein the at least one processor is configured to operate through communication with the second computer to cause the check image data to be sent to the second computer.

2. The apparatus according to claim 1

wherein the at least one processor is operable using the check image data, to determine at least one numerical value included on the check,

wherein the at least one processor is operable to cause the at least one numerical value to be sent to the second computer in associated relation with the check image data.

3. The apparatus according to claim 2

wherein the at least one processor is operable to generate deposit ticket data, wherein the deposit ticket data includes the at least one numerical value and at least a portion of the card data.

4. The apparatus according to claim 3 wherein the deposit ticket data corresponds to an image of a deposit ticket.

5. The apparatus according to claim 3 wherein the at least one processor is operable to cause the deposit ticket data to be sent to the second computer.

6. The apparatus according to claim 5

wherein the at least one processor is operable to cause the imaging device to cause check image data to be produced for each of a plurality of checks received by the machine during a single transaction session conducted at the machine in association with a financial account corresponding to card data,

wherein the at least one processor is operable to determine at least one numerical value from the respective check image data corresponding to each of the plurality of checks,

wherein the at least one processor is operable to cause at least one numerical value determined for each of the plurality of checks to be included in the deposit ticket data.

7. The apparatus according to claim 6 wherein the at least one numerical value from each check includes at least one of a courtesy amount value, a legal amount value, a micr line character value, or any combination thereof.

8. The apparatus according to claim 5

wherein the at least one processor is operable to periodically receive at least one message from the second computer, wherein the at least one message is indicative that the second computer is in operative condition to receive check images,

wherein the at least one processor is configured to operate responsive at least in part to non-receipt of the at least one message from the second computer, to cause at least one status message to be sent to the first computer.

9. The apparatus according to claim 8

wherein the at least one processor is operable to receive at least one change message from the first computer, subsequent to causing the at least one status message to be sent to the first computer,

wherein the at least one processor is configured to operate responsive at least in part to receiving the at least one change message, to cause check image data to be sent to a further remote computer,

wherein the further remote computer differs from the first computer and the second computer.

10. The apparatus according to claim 1

wherein the at least one processor is operable to cause the check image data to be sent to the second computer responsive at least in part to the determination that the card data corresponds to an authorized financial account.

11. The apparatus according to claim 1 wherein the at least one processor is operable to generate cash-in ticket data, and to cause the cash-in ticket data to be sent to the second computer.

12. The apparatus according to claim 11 wherein the cash-in ticket data corresponds to a visual image of a cash-in ticket.

13. The apparatus according to claim 12 wherein the cash-in ticket data includes data corresponding to at least a portion of the card data.

14. The apparatus according to claim 13 wherein the automated banking machine further includes

a cash acceptor, wherein the cash acceptor is operable to receive cash,

wherein the cash acceptor is in operative connection with the at least one processor,

wherein the at least one processor is operable to determine a cash value associated with received cash received through operation of the cash acceptor,

wherein the at least one processor is operable to include data corresponding to the cash value in the cash-in ticket data.

15. The apparatus according to claim 1

wherein the at least one processor is operable to periodically receive at least one message from the second computer indicative that the second computer is in operative condition to receive check images,

wherein the at least one processor is configured to operate responsive at least in part to non-receipt of the at least one message from the second computer, to send at least one status message to the first computer.

16. The apparatus according to claim 15

wherein the at least one processor is operable to receive at least one change message from the first computer, subsequent to causing the at least one status message to be sent to the first computer,

wherein the at least one processor is configured to operate responsive at least in part to receiving the at least one change message, to cause check image data to be sent to a further remote computer,

wherein the further remote computer is other than the first computer and the second computer.

17. Apparatus comprising:

an automated banking machine operable to cause financial transfers responsive at least in part from data read from data bearing records, including:

a card reader, wherein the card reader is operable operative to read card data from user cards, wherein the card data corresponds to financial accounts,

an imaging device, wherein the imaging device is operable operative to cause check image data to be produced, wherein the check image data corresponds to at least a portion of a visual image of a check received in the machine,

a sheet dispenser, wherein the sheet dispenser is operable operative to selectively provide sheets from the machine,

at least one processor associated with the automated banking machine,

wherein the at least one processor is in operative connection with the card reader, the imaging device, and the sheet dispenser,

wherein the at least one processor is configured to communicate with:

a first computer remote from the machine, and

a second computer remote from the machine,

wherein the second computer differs from the first computer;

wherein during a transaction session, the at least one processor is configured to operate to:

cause card data to be read from a user card,

cause a computer determination to be made at least in part through communication with the first computer, that the card data corresponds to a financial account,

cause to be produced through operation of the imaging device, check image data corresponding to a check received in the machine,

determine a value associated with the check,

cause responsive at least in part to the determination, at least a portion of the value to be transferred into the financial account, and

cause at least a portion of the image data and the card data to be sent to the second computer.

18. The apparatus according to claim 17 wherein the at least one processor is configured to operate to:

produce deposit ticket data which includes data corresponding to the value, and

cause the deposit ticket data to be sent to the second computer.

19. The apparatus according to claim 18 wherein the deposit ticket data includes data corresponding to a processor generated deposit ticket image.

20. The apparatus according to claim 19 wherein the deposit ticket image includes at least a portion of the card data.

21. Apparatus comprising:

at least one processor associated with an automated banking machine that includes both at least one data reader operable to obtain user data associated with an account number and at least one instrument acceptor operable to receive financial instruments,

wherein the at least one processor is configured to operate to cause to be sent to a transaction-authorizing host computer, user data obtained by the at least one data reader during a user session with the machine,

wherein the at least one processor is configured to operate to generate an electronic deposit slip which includes:

an account number associated with the user data obtained by the at least one data reader during the user session, and

an amount corresponding to a value of at least one financial instrument received by the at least one instrument acceptor during the user session;

wherein the at least one processor is configured to operate to cause the electronic deposit slip to be sent to a server that is remotely located from both the machine and the host computer.

22. The apparatus according to claim 21

wherein the user session includes a deposit transaction involving at least one check,

wherein the at least one instrument acceptor includes a check acceptor,

wherein the check acceptor is operable to receive the at least one check during the deposit transaction,

wherein the at least one processor is configured to operate to generate an electronic deposit slip which includes an amount comprising a value of the at least one check received by the check acceptor during the deposit transaction.

23. The apparatus according to claim 21

wherein the user session includes a deposit transaction involving cash,

wherein the at least one instrument acceptor includes a cash acceptor,

wherein the cash acceptor is operable to receive the cash during the deposit transaction,

wherein the at least one processor is configured to operate to generate an electronic deposit slip which includes an amount comprising a value of the cash received by the cash acceptor during the deposit transaction.

24. The apparatus according to claim 21

wherein the at least one processor is operable to periodically receive operational status messages when the server is operable to receive electronic deposit slips,

wherein the at least one processor is configured to determine that the server is operable to receive electronic deposit slips, responsive at least in part to receipt of at least one operational status message,

wherein the at least one processor is configured to determine that the server is inoperable to receive electronic deposit slips, responsive at least in part to non-receipt of at least one operational status message,

wherein the server is associated with a network address,

wherein the at least one processor is configured to cause electronic deposit slips to be sent to the network address while the server is determined to be operable to receive electronic deposit slips,

wherein the at least one processor is configured to cause electronic deposit slips to be sent to an alternative network address while the server is determined to be inoperable to receive electronic deposit slips,

wherein the alternative network address is associated with an alternative server,

wherein the alternative server differs from the server,

wherein the alternative server is remotely located from both the machine and the host computer.

25. The apparatus according to claim 21 wherein the machine includes the at least one processor, wherein the machine includes a cash dispenser, and wherein the at least one data reader includes a card reader.

Assignments (10)