User alerts for monitored transactions at automatic teller machines
View Patent ↗An improved method, apparatus, and computer implemented instructions for processing a check in an automatic teller machine in a data processing system. A check is received from a user at the automatic teller machine. The check is scanned to generate an image. A transaction is performed involving the check. The image is transmitted to a mobile device associated with the user, wherein the image is in a format for use with a financial program.
1. A system for processing a financial transaction, comprising:
a hardware memory storing instructions and user account information, wherein the user account information comprises information about transactions performed by a user at one of a plurality of automatic teller machines (ATMs); and
one or more hardware processors in communication with the hardware memory and configured to execute the instructions to cause the system to perform operations comprising:
receiving, via a first smart card inserted in a first ATM, information associated with a funding source;
processing the information associated with the funding source;
receiving, from the user, a first identifier of a payee;
applying a digital signature to an electronic check using a private key contained within the first smart card;
receiving, via a second smart card inserted in a second ATM, a second identifier of the payee; and
issuing the electronic check as a physical check to the payee through the second ATM in response to receiving the second identifier.
2. The system of claim 1 , wherein the operations further comprise receiving an amount to transfer to the payee.
3. The system of claim 1 , wherein the operations further comprise issuing the electronic check from the funding source.
4. The system of claim 3 , wherein the electronic check is electronically sent to a third party.
5. The system of claim 3 , wherein an electronic copy of the physical check is sent to a device of the user.
6. The system of claim 1 , wherein an image of the electronic check is sent electronically to a mobile device of the user.
7. The system of claim 1 , wherein the funding source is a paper check.
8. The system of claim 1 , wherein the operations further comprise displaying the electronic check at the second ATM.
9. The system of claim 8 , wherein the operations further comprise routing the electronic check to the payee, a financial institution of the payee, or a third party.
10. The system of claim 7 , wherein processing the information associated with the funding source comprises performing optical character recognition on the paper check.
11. The system of claim 1 , wherein processing the information comprises converting the information info a format associated with a financial program.
12. The system of claim 1 , wherein the operations further comprise making the electronic check available through a website.
13. The system of claim 1 , wherein the second identifier comprises a password.
14. The system of claim 1 , wherein issuing the electronic check comprises setting a value of the electronic check with a value received from the first user at the first ATM.
15. The system of claim 1 , wherein issuing the electronic check comprises setting a value of the electronic check with a value received from the first user at the first ATM.
16. The system of claim 1 , where issuing the electronic check comprises entering a memo on the electronic check received from the first user at the first ATM.
17. The system of claim 1 , wherein an image of the first user is attached to the physical check.
18. The system of claim 17 , wherein the image is obtained using a video camera at the first ATM.
19. The system of claim 1 , where in the process further comprises alerting the first user in response to issuing the electronic check.
20. The system of claim 1 , wherein the alert comprises an image of the physical check.