Automated banking machine that operates responsive to data bearing records
View Patent ↗A banking system is controlled responsive to data read from data bearing records. The system includes a card reader that operates to read identifying data from user cards, and can authorize operation of an automated banking machine responsive to the identifying data. The machine can generate and present a check to the machine user in response to user inputs. The machine presents an interface for the user to sign the check. The user's banking account is charged an amount corresponding to the check value. In exchange for the same machine receiving the generated check, the user is provided with cash dispensed from the machine. The machine also allows the user to select having a canceled check image displayed at the machine and/or sent to the user's network address.
1. A method carried out at least in part through use of at least one processor associated with a banking system automated banking machine that is operable responsive at least in part to data read from data bearing records and includes a cash dispenser, at least one user input device, and at least one output device,
wherein the at least one processor is in operative connection with each of the cash dispenser, the at least one user input device, and the at least one output device,
wherein the cash dispenser is operative to selectively dispense cash to authorized users of the machine,
wherein the at least one user input device is operative to receive user input from a machine user,
wherein the at least one user input device includes at least one reader,
wherein the at least one reader is operative to read user data usable to identify a financial account,
wherein the at least one processor is operative to cause a financial transaction to be carried out on the financial account,
wherein the at least one output device includes at least one display device,
wherein the at least one display device includes a display screen;
wherein the method comprises:
(a) operating the at least one processor during a user session with the machine,
responsive at least in part to both
user input received by the at least one user input device corresponding to an authorized machine user associated with a checking account, and
user input received by the at least one user input device corresponding to a user request to view at least one canceled check drawn on and paid from the checking account,
wherein the at least one canceled check was canceled prior to the user session,
to cause the display screen to display at least one image of the at least one canceled check; and
(b) operating the at least one processor,
responsive at least in part to further user input received by the at least one user input device corresponding to a user request to have the at least one image sent to a personal device of the user,
to both
(bi) obtain a network address associated with the personal device, and
(bii) cause the at least one image to be electronically sent to the network address.
2. The method according to claim 1
wherein the machine is part of a banking system that includes a plurality of cash dispensing automated banking machines,
wherein the at least one reader includes both
at least one card reader, and
at least one biometric reader,
and further comprising during the user session:
(c) operating the at least one processor to cause card data to be read from a card through operation of the at least one card reader, and then cause the read card data to be compared with card information stored in at least one data store;
(d) operating the at least one processor to cause biometric data to be read through operation of the at least one biometric reader, and then cause the read biometric data to be compared with biometric information in the at least one data store;
(e) operating the at least one processor to recognize the user as an authorized user allowed to request a financial transaction that involves operation of the cash dispenser responsive at least in part to both
computer-determined correspondence between the read card data and stored card information, and
computer-determined correspondence between the read biometric data and stored biometric information;
(f) operating the at least one processor to cause a cash dispense request to be communicated to a financial transaction host remotely located from the machine;
(g) operating the at least one processor to receive a cash dispense approval from the financial transaction host; and
(h) operating the at least one processor to cause cash to be dispensed from the machine through operation of the cash dispenser responsive at least in part to both
the machine user being recognized in (e) as an authorized user, and
the cash dispense approval received in (g).
3. The method according to claim 1 wherein in (a) and (b) the machine includes the at least one processor.
4. The method according to claim 1 and further comprising:
(c) prior to (a), operating the at least one processor to cause the machine to receive the at least one image of the at least one canceled check from at least one remote source;
wherein (a) includes causing the display screen to display at least one image received in (c).
5. The method according to claim 1 wherein the at least one image of the at least one canceled check includes data indicative of check cancellation, wherein (a) includes causing the display screen to display the data indicative of check cancellation.
6. A method carried out at least in part through use of at least one processor associated with an automated banking machine that is operable responsive at least in part to data read from data bearing records,
wherein the automated banking machine includes:
a cash dispenser,
wherein the cash dispenser is operative to selectively dispense cash to authorized users of the machine,
at least one user input device,
wherein the at least one user input device is operative to receive input from the user,
wherein the at least one user input device includes at least one reader,
wherein the at least one reader is operative to read user data usable to identify a financial account on which financial transactions can be carried out, and
at least one output device including at least one display device,
wherein the at least one display device includes a display screen;
wherein the method comprises:
(a) operating the at least one processor during a user session with the machine,
responsive at least in part to both
the at least one reader reading identifying data usable to identify a checking account associated with the user, and
the at least one user input device receiving from the user, a request to view at least one canceled check drawn on and paid from the checking account,
wherein the at least one canceled check was canceled prior to the user session,
to both
(ai) cause the machine to receive from at least one remote source, at least one image of the at least one canceled check; and
(aii) cause the display screen to display the at least one image received.
7. The method according to claim 6 wherein the machine includes the at least one processor, and wherein in (a) the at least one processor is in operative connection with each of the cash dispenser, the at least one user input device, and the at least one output device.
8. The method according to claim 6 and further comprising:
(b) operating the at least one processor,
responsive at least in part to the at least one user input device receiving from the user, a request to have the at least one image sent to a personal device of the user,
to both
(bi) obtain a network address associated with the personal device; and
(bii) cause the at least one image to be electronically sent to the network address.
9. The method according to claim 8 wherein the personal device comprises a mobile phone,
wherein (bi) includes obtaining a network address associated with the mobile phone,
wherein (bii) includes causing the at least one image to be sent to the mobile phone.
10. The method according to claim 9 wherein the network address comprises a phone number of the mobile phone, wherein the phone number is correlated with the checking account in a data store,
wherein (bi) includes operating the at least one processor responsive at least in part to the at least one user input device receiving the request to have the at least one image sent, to obtain the phone number from the data store.
11. The method according to claim 6 wherein the at least one image of the at least one canceled check includes data indicative of check cancellation, wherein (all) includes causing the display screen to display the data indicative of check cancellation.
12. A method comprising:
(a) operating at least one processor associated with an automated banking machine that is operable responsive at least in part to data read from data bearing records,
wherein the automated banking machine includes a cash dispenser, at least one user input device, and at least one output device,
wherein the cash dispenser is operative to selectively dispense cash to authorized users of the machine,
wherein the at least one user input device is operative to receive user input from a machine user,
wherein the at least one user input device includes at least one reader,
wherein the at least one reader is operative to read user data usable to identify a financial account on which financial transactions can be carried out,
wherein the at least one output device includes at least one display device,
wherein the at least one display device includes a display screen,
wherein the at least one processor is in operative connection with each of the cash dispenser, the at least one user input device, and the at least one output device;
responsive at least in part to both
a determination that user input received by the at least one user input device corresponds to an authorized user of the machine, and
a determination that the authorized user is associated with a checking account,
to cause the display screen during a user session with the machine, to display a user option to select delivery of at least one image of at least one canceled check drawn on and paid from the checking account,
wherein the at least one canceled check was canceled prior to the user session; and
(b) operating the at least one processor,
responsive at least in part to the at least one user input device receiving user input that corresponds to user selection of the delivery,
to cause the at least one image to be delivered to the user,
wherein the at least one image includes data indicative of check cancellation.
13. The method according to claim 12 wherein (b) includes causing the at least one image to be delivered to the user by causing the at least one image to be electronically sent to a network address of a personal device of the user.
14. The method according to claim 13 wherein the network address is correlated with the checking account in a data store, and further comprising:
(c) operating the at least one processor to obtain the network address from the data store.
15. The method according to claim 13 and further comprising:
(c) prior to (b), operating the at least one processor to cause the display screen to prompt the user to provide the network address through the at least one user input device.
16. The method according to claim 13 wherein the personal device comprises a mobile phone, wherein (b) includes causing the at least one image to be sent to the mobile phone.
17. The method according to claim 16 wherein a network address of the mobile phone is correlated with the checking account in a data store, and further comprising:
(c) operating the at least one processor to obtain from the data store, the network address of the mobile phone.
18. The method according to claim 13 wherein the personal device comprises a PC remotely located from the machine, wherein (b) includes causing the at least one image to be sent to the PC.
19. The method according to claim 12 wherein (b) includes causing the at least one image to be delivered to the user by causing the at least one image to be displayed through the display screen.
20. The method according to claim 12 wherein in (a) and (b) the machine includes the at least one processor.