Automated banking machine that operates responsive to data bearing records
View Patent ↗A banking system controlled responsive to data bearing records includes a card reader that can read identifying data from user cards. The system can authorize operation of an automated banking machine responsive to the read data. The system can provide an electronic transaction receipt to the machine user. A bank computer is operable to submit the receipt to a system address on record with the bank. The address can correspond to an e-mail address, phone number, or other address associated with an account involved in the transaction. The receipt can also include an image associated with the transaction. The system cal also operate to image a check deposited at the machine, and then electronically send the image to the check maker, the payee, and/or a clearinghouse.
1. A non-transitory, tangible computer readable medium of instructions with instructions encoded thereon for execution by a processor and when executed operable to:
obtain data representative of a user requesting to perform a financial transaction at an automated banking machine from a transaction host;
determine a financial account associated with the user for performing the financial transaction;
perform the financial transaction via the transaction host;
communicate with a remotely located server system that is on a communication path that is independent of a communication path with the transaction host and wherein the server has access to a data store that associates an account and a customer network address for customers of a financial institution who are to receive electronic records of transactions involving their accounts, wherein the customer network address is usable to sending to the user an electronic record of the financial transaction;
receive from the remotely located server system a response message that indicates the user is to receive from the server an electronic record of the financial transaction; and
send a message that comprises transaction receipt data to the remote server system that causes the remote server to send an electronic receipt to an electronic address associated with the user responsive to the response message indicating that the user is to receive an electronic record of the financial transaction;
wherein the receipt comprises data representative of the financial transaction;
wherein the data representative of the financial transaction comprises a link to an image related to the transaction; and
wherein the link to the image is to an image of the user.
2. The computer readable medium set forth in claim 1 , the instructions further operable to:
send a first message to a remote server with data representative of the user; and
receive a response from the remote server, the response comprising data indicating the user desires the electronic receipt;
wherein the data representative of the financial transaction is sent to the remote host to cause the electronic receipt to be sent to the electronic address associated with the user.
3. The computer readable medium set forth in claim 1 , the instructions further operable to receive from a user interface associated with the automated banking machine data representative of the electronic address;
wherein the wherein the data representative of the financial transaction and the electronic address are sent to a remote host to cause the electronic receipt to be sent to the electronic address associated with the user.
4. The computer readable medium set forth in claim 1 , the instructions are further operable to obtain data representative of an image for an item deposited at the automated banking machine;
wherein the electronic receipt further comprises data representative of the image for the item deposited at the automated banking machine.
5. The computer readable medium set forth in claim 1 , wherein the electronic address associated with the user is selected from a group consisting of a telephone number, a text message address, an e-mail address, an Internet address, a portable communication device address, a portable computer address, and a home computer address.
6. The computer readable medium set forth in claim 1 , wherein the electronic receipt is selected from a group consisting of an audio message, a text message, and an e-mail message.
7. The computer readable medium set forth in claim 1 , wherein the instructions are further operable to:
operate a user interface to request the user input data indicating whether the user desires an electronic receipt; and
operate a user interface to request a user input a telephone number responsive to receiving user input data indicating the user desires an electronic receipt.
8. A non-transitory, tangible computer readable medium of instructions with instructions encoded thereon for execution by a processor and when executed operable to:
obtain data representative of a user requesting to perform a financial transaction at an automated banking machine;
obtain card data for the user;
determine a financial account associated with the user for performing the financial transaction from a transaction host;
perform the financial transaction via the transaction host;
communicate with a remotely located server system that in on a communication path that is independent of a communication path with the transaction host and wherein the server has access to a data store that associates an account and a customer network address for customers of a financial institution who are to receive electronic records of transactions involving their accounts, wherein the customer network address is usable to sending to the user an electronic record of the financial transaction;
receive from the remotely located server system a response message that indicates the user is to receive from the server an electronic record of the financial transaction; and
send a message to the remote server system that comprises transaction receipt data that causes the remote server to send an electronic receipt to an electronic address associated with the user responsive to the response message indicating that the user is to receive an electronic record of the financial transaction;
wherein the receipt comprises data representative of the financial transaction;
wherein the data representative of the financial transaction comprises a link to an image related to the transaction; and
wherein the link to the image is to an image of the card.
9. The computer readable medium set forth in claim 8 , the instructions further operable to:
send a first message to a remote server with data representative of the user; and
receive a response from the remote server, the response comprising data indicating the user desires the electronic receipt;
wherein the data representative of the financial transaction is sent to the remote host to cause the electronic receipt to be sent to the electronic address associated with the user.
10. The computer readable medium set forth in claim 8 , the instructions further operable to receive from a user interface associated with the automated banking machine data representative of the electronic address;
wherein the wherein the data representative of the financial transaction and the electronic address are sent to a remote host to cause the electronic receipt to be sent to the electronic address associated with the user.
11. The computer readable medium set forth in claim 8 , the instructions are further operable to obtain data representative of an image for an item deposited at the automated banking machine;
wherein the electronic receipt further comprises data representative of the image for the item deposited at the automated banking machine.
12. The computer readable medium set forth in claim 8 , wherein the electronic address associated with the user is selected from a group consisting of a telephone number, a text message address, an e-mail address, an Internet address, a portable communication device address, a portable computer address, and a home computer address.
13. The computer readable medium set forth in claim 8 , wherein the electronic receipt is selected from a group consisting of an audio message, a text message, and an e-mail message.
14. The computer readable medium set forth in claim 8 , wherein the instructions are further operable to:
operate a user interface to request the user input data indicating whether the user desires an electronic receipt; and
operate a user interface to request a user input a telephone number responsive to receiving user input data indicating the user desires an electronic receipt.
15. A non-transitory, tangible computer readable medium of instructions with instructions encoded thereon for execution by a processor and when executed operable to:
obtain data representative of a user requesting to perform a financial transaction at an automated banking machine;
determine a financial account associated with the user for performing the financial transaction from a transaction host;
perform the financial transaction via the transaction host;
communicate with a remotely located server system that is on a communication path that is independent of a communication path with the transaction host and wherein the server has access to a data store that associates an account and a customer network address for customers of a financial institution who are to receive electronic records of transactions involving their accounts, wherein the customer network address is usable to sending to the user an electronic record of the financial transaction;
receive from the remotely located server system a response message that indicates the user is to receive from the server an electronic record of the financial transaction; and
send a message that comprises transaction receipt data to the remote server system that causes the remote server to send an electronic receipt to an electronic address associated with the user responsive to the response message indicating that the user is to receive an electronic record of the financial transaction;
wherein the receipt comprises data representative of the financial transaction; and
wherein the data representative of the financial transaction comprises one of a group consisting of a link to an audio file related to the transaction and a link to a video file related to the transaction.
16. The computer readable medium set forth in claim 15 , the instructions further operable to:
send a first message to a remote server with data representative of the user; and
receive a response from the remote server, the response comprising data indicating the user desires the electronic receipt;
wherein the data representative of the financial transaction is sent to the remote host to cause the electronic receipt to be sent to the electronic address associated with the user.
17. The computer readable medium set forth in claim 15 , the instructions further operable to receive from a user interface associated with the automated banking machine data representative of the electronic address;
wherein the wherein the data representative of the financial transaction and the electronic address are sent to a remote host to cause the electronic receipt to be sent to the electronic address associated with the user.
18. The computer readable medium set forth in claim 15 , the instructions are further operable to obtain data representative of an image for an item deposited at the automated banking machine;
wherein the electronic receipt further comprises data representative of the image for the item deposited at the automated banking machine.
19. The computer readable medium set forth in claim 15 , wherein the electronic address associated with the user is selected from a group consisting of a telephone number, a text message address, an e-mail address, an Internet address, a portable communication device address, a portable computer address, and a home computer address.
20. The computer readable medium set forth in claim 15 , wherein the electronic receipt is selected from a group consisting of an audio message, a text message, and an e-mail message.
21. The computer readable medium set forth in claim 15 , wherein the instructions are further operable to:
operate a user interface to request the user input data indicating whether the user desires an electronic receipt; and
operate a user interface to request a user input a telephone number responsive to receiving user input data indicating the user desires an electronic receipt.