Banking system controlled responsive to data bearing records
View Patent ↗An automated banking machine operates to cause financial transfers responsive to data read from data bearing records. The automated banking machine includes a card reader operative to read card data from user cards corresponding to financial accounts. The automated banking machine also includes a display and a printer to produce records of financial transactions carried out with the machine. The card reader is operative to read and return card information read from the user card responsive. The automated banking machine may also include a check acceptor that is usable to determine a probability associated with the check being fraudulent.
1. Apparatus comprising:
an automated banking machine that operates responsive at least in part to data read from data bearing records to cause financial transfers, wherein the automated banking machine includes a plurality of hardware devices including:
a card reader operative to read card data from user cards, wherein the card data corresponds to financial accounts;
a check acceptor, wherein the check acceptor is configured to receive and scan financial checks that include thereon magnetic ink character recognition (MICR) characters, wherein the check acceptor includes:
at least one magnetic sensor,
at least one transport,
wherein the at least one transport is operative to move a check adjacent to the at least one magnetic sensor,
wherein the at least one magnetic sensor is operative to generate electrical signals corresponding to the presence of magnetic indicia on the check;
at least one processor in operative communication with the card reader and the check acceptor,
wherein the at least one processor is operative to cause:
a processor determination that card data read from a card corresponds to a financial account with which financial transfers are authorized to be conducted through machine operation; and
a financial transfer at least one of to and from the financial account responsive at least in part to the determination;
wherein the at least one processor is operative to determine locations of a plurality of zones on the check, including
a MICR zone that includes a plurality of MICR characters therein, and
at least one further zone that does not include any MICR characters therein,
wherein responsive at least in part to the electrical signals corresponding to the presence of magnetic indicia on the check, the at least one processor is operative to determine for each located zone,
whether the respective zone includes a detectable amount of magnetic indicia that is above at least one predetermined threshold for the respective zone,
whether the respective zone does not include a detectable amount of magnetic indicia that is above the at least one predetermined threshold,
wherein the at least one processor is operative to determine a probability associated with the check being fraudulent responsive at least in part to whether each located zone does or does not include a detectable amount of magnetic indicia that is above the at least one predetermined threshold.
2. The apparatus according to claim 1 , wherein the determined probability associated with the check corresponds to a relative confidence level as to whether the check is valid or invalid, wherein the at least one processor is operative to cause the at least one transport to move the check responsive at least in part to the relative confidence level.
3. The apparatus according to claim 2 , wherein the at least one processor is operative to cause the at least one transport to move the check responsive at least in part to the relative confidence level and a configurable sensitivity setting.
4. The apparatus according to claim 1 , wherein the at least one further zone includes at least two zones which are non-continuous on a face of the check.
5. The apparatus according to claim 1 , wherein the at least one further zone includes at least one zone that is not adjacent to the MICR zone.
6. The apparatus according to claim 1 , wherein the at least one processor is operative to determine that the check has a relatively higher probability of being fraudulent than non-fraudulent responsive at least in part to the at least one processor determining that the MICR zone includes a detectable amount of magnetic indicia that is above the at least one predetermined threshold.
7. The apparatus according to claim 1 , wherein the at least one further zone includes a leading blank zone and a trailing blank zone located adjacent opposed sides of the check, wherein the MICR zone extends adjacent a bottom edge of the check between the leading blank zone and the trailing blank zone, wherein the at least one processor is operative to determine that the check has a relatively higher probability of being fraudulent than non-fraudulent responsive at least in part to the at least one processor determining that at least one of the leading blank zone and the trailing blank zone includes a detectable amount of magnetic indicia that is above the at least one predetermined threshold.
8. The apparatus according to claim 7 , wherein the at least one further zone includes a background zone, wherein the background zone extends adjacent the MICR zone between the leading blank zone and trailing blank zone, wherein the at least one processor is operative to determine that the check has a relatively higher probability of being fraudulent responsive at least in part to the at least one processor determining that the background zone includes a detectable amount of magnetic indicia that is above the at least one predetermined threshold.
9. The apparatus according to claim 1 , wherein the check acceptor is operative to scan checks with different relative sizes, wherein the at least one processor is operative to determine a size of a check, wherein the at least one processor is operative to determine at least one predetermined threshold for each respective zone responsive at least in part to the determined size of the check.
10. The apparatus according to claim 9 , wherein each predetermined threshold is based at least in part on the size of each respective zone.
11. The apparatus according to claim 1 , wherein the automated banking machine includes a cash dispenser.
12. Apparatus comprising:
a check acceptor that is operative in an automated banking machine that operates responsive at least in part to data read from data bearing records to cause financial transfers, wherein the automated banking machine includes a plurality of hardware devices including:
a card reader operative to read card data from user cards, wherein the card data corresponds to financial accounts;
at least one computer processor in operative communication with the card reader, wherein the at least one processor is operative to cause:
a computer determination that card data read from a card corresponds to a financial account with which financial transfers are authorized to be conducted through machine operation; and
a financial transfer at least one of to and from the financial account responsive at least in part to the determination;
wherein the check acceptor is configured to receive and scan financial checks that include thereon magnetic ink character recognition (MICR) characters, wherein the check acceptor includes:
at least one magnetic sensor,
at least one transport,
wherein the at least one transport is operative to move a check adjacent to the at least one magnetic sensor,
wherein the at least one magnetic sensor is operative to generate electrical signals corresponding to the presence of magnetic indicia on the check;
at least one device processor in operative connection with the at least one transport and the at least one magnetic sensor;
wherein at least one of the at least one computer processor and the at least one device processor is operative to determine locations of a plurality of zones on the check, including
a MICR zone that includes a plurality of MICR characters therein, and
at least one further zone that does not include any MICR characters therein,
wherein responsive at least in part to the electrical signals corresponding to the presence of magnetic indicia on the check, the at least one of the at least one computer processor and the at least one device processor is operative to determine for each located zone,
whether the respective zone includes a detectable amount of magnetic indicia that is above at least one predetermined threshold for the respective zone,
whether the respective zone does not include a detectable amount of magnetic indicia that is above the at least one predetermined threshold,
wherein the at least one of the at least one computer processor and the at least one device processor is operative to cause the at least one transport to move the check responsive at least in part to whether each located zone does or does not include a detectable amount of magnetic indicia that is above the at least one predetermined threshold.
13. The apparatus according to claim 12 , wherein the at least one of the at least one computer processor and the at least one device processor is operative to determine a probability associated with the check being fraudulent responsive at least in part to whether each located zone does or does not include a detectable amount of magnetic indicia that is above the at least one predetermined threshold, wherein the determined probability associated with the check corresponds to a relative confidence level as to whether the check is valid or invalid, wherein the at least one of the at least one computer processor and the at least one device processor is operative to cause the at least one transport to move the check responsive at least in part to the relative confidence level.
14. The apparatus according to claim 13 , wherein the at least one of the at least one computer processor and the at least one device processor is operative to cause the at least one transport to move the check responsive at least in part to the relative confidence level and a configurable sensitivity setting.
15. The apparatus according to claim 12 , wherein the at least one further zone includes at least two zones which are non-continuous on a face of the check.
16. The apparatus according to claim 12 , wherein the at least one further zone includes at least one zone that is not adjacent to the MICR zone.
17. The apparatus according to claim 12 , wherein the at least one of the at least one computer processor and the at least one device processor is operative to determine that the check has a relatively higher probability of being fraudulent than non-fraudulent responsive at least in part to the at least one of the at least one computer processor and the at least one device processor determining that the MICR zone includes a detectable amount of magnetic indicia that is above the at least one predetermined threshold.
18. The apparatus according to claim 12 , wherein the at least one further zone includes a leading blank zone and a trailing blank zone located adjacent opposed sides of the check, wherein the MICR zone extends adjacent a bottom edge of the check between the leading blank zone and the trailing blank zone, wherein the at least one of the at least one computer processor and the at least one device processor is operative to determine that the check has a relatively higher probability of being fraudulent than non-fraudulent responsive at least in part to the at least one of the at least one computer processor and the at least one device processor determining that at least one of the leading blank zone and the trailing blank zone includes a detectable amount of magnetic indicia that is above the at least one predetermined threshold.
19. The apparatus according to claim 18 , wherein the at least one further zone includes a background zone, wherein the background zone extends adjacent the MICR zone between the leading blank zone and trailing blank zone, wherein the at least one of the at least one computer processor and the at least one device processor is operative to determine that the check has a relatively higher probability of being fraudulent responsive at least in part to the at least one of the at least one computer processor and the at least one device processor determining that the background zone includes a detectable amount of magnetic indicia that is above the at least one predetermined threshold.
20. The apparatus according to claim 12 , wherein the check acceptor is operative to scan checks with different relative sizes, wherein the at least one of the at least one computer processor and the at least one device processor is operative to determine a size of a check, wherein the at least one of the at least one computer processor and the at least one device processor is operative to determine at least one predetermined threshold for each respective zone responsive at least in part to the determined size of the check.
21. The apparatus according to claim 12 , wherein the at least one of the at least one computer processor and the at least one device processor comprises the at least one computer processor.
22. The apparatus according to claim 12 , wherein the at least one of the at least one computer processor and the at least one device processor comprises the at least one device processor.
23. Apparatus comprising:
a check acceptor,
wherein the check acceptor is operable in an automated banking machine that includes at least one reader operable to read machine user data usable to identify a financial account with which a check transaction can be carried out through use of the machine by an authorized user of the machine,
wherein the check acceptor is operable to receive a financial check that includes magnetic ink character recognition (MICR) characters,
wherein the check acceptor is operable to scan the check,
wherein the check acceptor includes at least one magnetic sensor operable to generate electrical signals corresponding to the presence of magnetic indicia on the check,
wherein the check acceptor includes at least one transport operable to move the check,
wherein the check acceptor is operable to determine locations of a plurality of zones of the check, including
a MICR zone that includes a plurality of MICR characters therein, and
at least one further zone that does not include MICR characters therein,
wherein the check acceptor is operable responsive at least in part to electrical signals generated by the at least one magnetic sensor, to determine for each respective zone,
whether the respective zone includes or does not include a detectable amount of magnetic indicia that is above at least one predetermined threshold for the respective zone;
wherein the check acceptor is operable to determine whether the check is valid or invalid based at least in part on determining whether each respective zone includes or does not include a detectable amount of magnetic indicia that is above the at least one predetermined threshold, wherein the check acceptor is operable to move the check through operation of the at least one transport, based at least in part on determining whether the check is valid or invalid.