IP Library Granted Patent US 9,477,952
Granted Patent B2
US 9,477,952 · App. 14/198,469 · Granted Oct 25, 2016

User alerts for monitored transactions at automatic teller machines

Inventors: Rabindranath Dutta (Austin, TX); Dwip N. Banerjee (Austin, TX)
Assignee: PAYPAL, INC.
G06Q20/1085G06Q20/04G06Q20/042G06Q20/10G06Q20/105G06Q20/32G06Q20/322G06Q20/3221G07F19/20
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Quick Facts
Patent No.
US 9,477,952
App. No.
14/198,469
Granted
Oct 25, 2016
Kind
B2
Abstract

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.

Claims (32)

1. A system for processing a check, comprising:

a hardware memory storing user account information, wherein the information comprises information corresponding to a scanned check; and

one or more hardware processors in communication with the hardware memory and configured for executing instructions for:

receiving, from a first device with a first user, a scanned image of a check by a financial service provider;

performing a transaction involving the check at the financial service provider to generate a transaction result; and

transmitting an image of the first user, the scanned image, and the transaction result to a second device of a second user, wherein the image of the first user, the scanned image and the transaction result are electronically displayed on the second device.

2. The system of claim 1 , wherein the second device is the same as the first device.

3. The system of claim 1 , wherein the second device is a mobile phone.

4. The system of claim 1 , wherein the one or more hardware processors is further configured for transmitting the scanned image and/or the transaction result to an end-user financial program.

5. The system of claim 1 , wherein the first device is a user mobile device.

6. The system of claim 1 , wherein the first device is an automated teller machine (ATM).

7. The system of claim 1 , wherein the transmitting is by a device of the financial service provider.

8. The system of claim 1 , wherein the one or more hardware processors is further configured for transmitting the transaction result to an automated teller machine (ATM).

9. The system of claim 8 , wherein the scanned image and the transaction result transmitted to the second device is by the ATM.

10. The system of claim 1 , wherein the financial service provider analyzes spending habits of the user using the scanned image.

11. The system of claim 1 , wherein the one or more hardware processors is further configured for storing the scanned image, wherein the scanned image is accessible by the user.

12. The system of claim 1 , wherein the one or more hardware processors is further configured for sending an image of the user with the scanned image to the second device.

13. The system of claim 1 , wherein the one or more hardware processors is further configured for authenticating the user when the check is scanned.

14. The system of claim 13 , wherein the authenticating is based on biometrics.

15. The system of claim 13 , wherein the authenticating comprises a retinal scan, a fingerprint scan, or an image of the user.

16. The system of claim 1 , wherein the transmitting is via an email.

17. The system of claim 1 , wherein the one or more hardware processors is further configured for formatting the check image and the transaction result in a file accessible by the user through a web site for importing to a financial program.

18. A non-transitory machine-readable medium comprising a plurality of machine-readable instructions which when executed by one or more processors of a computer are adapted to cause the computer to perform a method comprising:

receiving, from a first device with a first user, a scanned image of a check by a financial service provider;

performing a transaction involving the check at the financial service provider to generate a transaction result; and

transmitting an image of the first user, the scanned image and the transaction result to a second user mobile device, wherein the image of the first user, the scanned image and the transaction result are electronically displayed on the mobile device.

19. A method comprising:

receiving, from an automated teller machine, a scanned image of a check and an image of a first user using the automated teller machine by a financial service provider;

performing a transaction involving the check at the financial service provider to generate a transaction result;

transmitting the transaction result to the automated teller machine; and

transmitting, an image of the first user, the scanned image, and the transaction result to a mobile device of a second user.

20. The method of claim 19 , wherein the mobile device is a mobile phone.

Assignments (2)
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded Jul 23, 2015
From: EBAY INC.
To: PAYPAL, INC.
Reel/Frame 036171/0144 →
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded Feb 21, 2015
From: INTERNATIONAL BUSINESS MACHINES CORPORATION
To: EBAY INC.
Reel/Frame 035000/0579 →
Continuity (4)
Continuation 14028394 · Sep 16, 2013
Continuation 12467790 · May 18, 2009
Continuation 09833347 · Apr 12, 2001
Related Publication 20140188724A1 · Jul 3, 2014