Accepting a check deposit from a mobile device in communication with an automated teller machine
View Patent ↗An automated banking machine operates to cause financial transfers responsive at least in part to data read from data bearing records. The automated banking machine includes a card reader that is operative to read card data corresponding to financial accounts from user cards. The card data is linked in at least one data store to data indicating that the card data corresponds to a financial account that is authorized to be used to conduct at least one transaction through use of the automated banking machine. The automated banking machine may be used to carry out financial transfers involving financial accounts by users who are determined to be authorized users of such accounts. Data corresponding to a financial account can also be linked to a mobile wireless device so as to enable financial transfers by authorized users of such accounts.
1. An apparatus, comprising:
a processor coupled with a first network and a second network;
the processor is operable to receive from a mobile device coupled with the first network check image data representative of a check, wherein the data representative of the check includes an account into which the check is to be deposited;
the processor is operative to determine an amount of the check from the check image data;
the processor is operative to send a bar code image to the mobile device, the bar code image uniquely identifies the check image data;
the processor is operative to receive transaction data for the check related transaction from an automated teller machine coupled with the second network, the transaction data comprising data associated with the account, the data associated with the account comprises card data from a card read by a card reader at the automated banking machine a personal identification number associated with the card data, and a bar code image and;
the processor is operative to correlate the bar code image sent to the mobile device with the data representative of a bar code image received from the automated teller machine; and
the processor is operative to credit the account with the amount of the check responsive to;
determining the card data and personal identification number correspond to an authorized user,
determining the authorized user is permitted to conduct a check transaction in the amount of the check on their account, and
successfully correlating the bar code image sent to the mobile device with the data representative of a bar code image received from the automated teller machine.
2. The apparatus set forth in claim 1 ,
wherein the correlating the data representative of a check sent from the mobile device with the transaction from the automated teller machine further comprises determining whether the data representative of an amount of the check in the transaction data matches the amount of the check determined from the data representative of a check from the mobile device.
3. The apparatus set forth in claim 1 , wherein the processor is operable to determine a routing number a account number for the check from the data representative of a check received from the mobile device comprises image data.
4. The apparatus set forth in claim 1 , the processor is further operable to verify genuineness of the check.
5. The apparatus set forth in claim 1 , the processor responsive to determining the transaction is allowed, provides output that indicates value corresponding to the amount of the check has been added to the account.
6. The apparatus set forth in claim 1 , wherein the data associated with the account is selected from a group consisting of data representative of a user associated with the account and account data.