Check cashing automated banking machine
View Patent ↗An automated banking machine is operated at least in part to data read from data bearing records. The machine is operative to carry out a financial transfer responsive at least in part to a determination that data read through a card reader of the machine corresponds to a financial account that is authorized to conduct a transaction through operation of the machine. The machine also includes a check acceptor operative to receive checks from machine users. The check acceptor is operative image checks and data resolved from check images is used in operation of the machine to cause financial transfers.
1. Apparatus comprising:
an automated banking machine configured to operate responsive at least in part to data read from data bearing records to cause financial transfers, wherein the machine includes:
at least one card reader, wherein the at least one card reader is configured to read data from user cards,
a display,
a check acceptor,
at least one machine computer associated with the machine, wherein the at least one machine computer is configured to cause
a determination to be made that first card data read from a first card through an operation of the at least one card reader corresponds to a financial account on which transactions are authorized to be conducted automatically through an operation of the machine,
the check acceptor to produce at least one electronic image corresponding to at least one side of a user input check,
resolve check data from the at least one electronic image, wherein the check data includes a check amount,
responsive at least in part to the determination, the check amount to be automatically recorded as credited to the financial account through the operation of a first transaction authorization computer remote from the machine,
second card data read through the operation of the at least one card reader, which second card data does not correspond to a financial account on which transactions are authorized to be conducted automatically through the operation of the machine, to be sent to a second transaction authorization computer remote from the machine and different from the first transaction authorization computer.
2. The apparatus according to claim 1
wherein the automated banking machine further includes a cash dispenser,
wherein the at least one machine computer is operative to cause the cash dispenser to operate to dispense a cash amount corresponding to the check amount responsive at least in part to the second transaction authorization computer.
3. The apparatus according to claim 2
wherein the second transaction authorization computer causes the cash dispenser operation responsive at least in part to at least one input received by the second authorization computer through an input device activated by a human service provider.
4. The apparatus according to claim 3
wherein the automated banking machine further includes
an audio input device,
an audio output device,
wherein the at least one machine computer is configured to enable communication of signals corresponding to audio communication between the second transaction authorization computer and the machine, whereby two-way audio communication with a service provider at the second transaction authorization computer can be carried out.
5. The apparatus according to claim 4
wherein the at least one reader is configured to read driver's licenses,
wherein the second card data corresponds to data read from a driver's license.
6. The apparatus according to claim 5
wherein the machine is associated with a camera, wherein the camera has a field of view adjacent the machine,
wherein the last one computer is configured to enable signals corresponding to video to be communicated between the second transaction authorization computer and the machine, whereby two-way video communication with a service provider at the second transaction authorization can be conducted.
7. The apparatus according to claim 6
wherein the automated banking machine includes at least one machine input device,
wherein the at least one banking machine computer is operative responsive at least in part to the determination and an input amount corresponding to at least one input through the at least one machine input device, to cause
the cash dispenser to dispense a dispense amount of cash in a dispense amount according to the input amount,
the financial account to be assessed for the dispense amount responsive at least in part to the first transaction authorization computer.
8. The apparatus according to claim 7
wherein the at least one machine computer is configured to cause communication between the automated banking machine and the second transaction authorization computer responsive at least in part to at least one service input received through the at least one machine input device.
9. The apparatus according to claim 8 and further comprising
at least one intermediate computer, wherein the at least one intermediate computer is
operatively intermediate of the automated banking machine at the first transaction authorization computer and
operatively intermediate of the automated banking machine at the second transaction authorization computer,
wherein the at least one intermediate computer is configured to cause messages including data received by the at least one intermediate computer from the automated banking machine, to be sent from the intermediate computer selectively to either the first transaction authorization computer or the second transaction authorization computer.
10. The apparatus according to claim 9
wherein the automated banking machine further includes a printer,
wherein the at least one machine computer is configured to cause the printer to print a document responsive at least in part to
an automatic operation of the first transaction authorization computer or
at least one human provided input received through at least one input device in operative connection with the second transaction authorization computer.
11. The apparatus according to claim 1 and further comprising:
at least one intermediate computer, wherein the at least one intermediate computer is
operatively intermediate of the automated banking machine and the first transaction authorization computer, and
operatively intermediate of the automated banking machine and the second transaction authorization computer,
wherein the at least one intermediate computer is configured to cause messages including data received by the at least one intermediate computer from the automated banking machine, to be sent from the at least one intermediate computer selectively to either the first transaction authorization computer or the second transaction authorization computer.
12. The apparatus according to claim 1
wherein the automated banking machine further includes a cash dispenser,
wherein the at least one machine computer is operative to cause the cash dispenser to dispense cash from the machine responsive at least in part to
an operation of the first transaction authorization computer, and
a receipt of at least one human provided input through at least one input device operatively connected to the second transaction authorization computer.
13. The apparatus according to claim 1
wherein the automated banking machine further includes a printer,
wherein the at least one machine computer is operative to cause the printer to print a document responsive at least in part to
automatic operation of the first transaction authorization computer, and
operation of the second transaction authorization computer responsive at least in part to receipt of at least one human provided input through at least one input device operatively connected to the second transaction authorization computer.
14. Apparatus comprising:
an automated banking machine configured to operate responsive at least in part to data read from data bearing records to cause financial transfers, wherein the automated banking machine includes,
at least one reader, wherein the at least one reader is configured to read data usable to identify a machine user a financial account, or both the machine user and the financial account,
a display,
a check acceptor,
at least one machine computer associated with the automated banking machine, wherein the at least one machine computer is operative to cause
a determination to be made that data read through an operation of the at least one reader corresponds to a financial account on which financial transactions are authorized to be conducted automatically through an operation of the machine,
a check acceptor to produce at least one electronic image corresponding to at least one side of a user input check,
resolution of check data from the at least one electronic image, wherein the check data includes a check amount,
responsive at least in part to the determination and a first machine communication with a first remote transaction authorization computer, at least one of
the financial account to be credited a credit amount corresponding to the check amount, and/or
at least one item of value corresponding to the check amount to be provided to the machine user through an operation of the automated banking machine,
responsive at least in part to a second machine communication with a second remote transaction authorization computer different from the first remote transaction authorization computer, at least one item having a value corresponding to the check amount to be provided to the machine user through an operation of the automated banking machine;
at least one intermediate computer,
wherein the at least one intermediate computer is operatively intermediate of the automated banking machine and the first remote transaction authorization computer, and
operatively intermediate of the automated banking machine and the second remote transaction authorization computer,
wherein the at least one intermediate computer is configured to cause data included in messages from the automated banking machine to the at least one inter mediate computer, to be selectively sent to either the first remote transaction authorization computer or the second remote transaction authorization computer.
15. The apparatus according to claim 14
wherein the second machine communication is caused at least in part responsive to a receipt of at least one manual input through at least one input device operatively connected to the second transaction authorization computer.
16. The apparatus according to claim 14
wherein the automated banking machine includes a cash dispenser, wherein the at least one item of value includes cash dispensed through an operation of the cash dispenser.
17. The apparatus according to claim 14
wherein the automated banking machine further includes a printer,
wherein the at least one machine computer is configured to cause the printer to print a document responsive at least in part to
the determination and operation of the first remote transaction authorization computer, and
receipt of a human caused input through at least one input device in operative connection with the second transaction authorization computer.
18. The apparatus according to claim 14 ,
wherein the automated banking machine includes
an audio input device,
an audio output device, and
wherein the automated banking machine is associated with a camera,
wherein the camera has a field of view adjacent the machine,
wherein the at least one computer is configured to communicate messages corresponding to video and audio communication between a user adjacent the automated banking machine and a remote teller adjacent the second remote transaction authorization computer.