Granted Patent B2

US 8,844,809 · App. 14/247,437 · Granted Sep 30, 2014

Abstract

Claims (45)

1. A tangible, non-transitory computer readable medium of instructions with instructions encoded thereon for execution by a processor, and when executed operable to:

receiving from an account holder through a consumer interface device data identifying a check on an account of the account holder and a check amount associated with the check;

determine whether the check can be validly drawn on the account in the check amount;

provide certification data to the account holder through the consumer interface device, responsive to determining that the check can be validly drawn on the account;

store data corresponding to the check, the check amount and the certification data in a data store;

receive from a remotely disposed automated banking machine data representative of the certification data without machine user identifying data;

determine whether the data representative of the certification data received from the automated banking machine corresponds to certification data stored in the data store; and

authorizing the automated banking machine to dispense cash to the machine user responsive to determining that the certification data received from the automated banking machine corresponds to certification data stored in the data store;

wherein the dispensed cash has a value corresponding to the check amount.

2. The computer readable medium set forth in claim 1 , the instructions further operable to:

receive from a remote user device, a request to validate the check, the request comprises data representative of the certification data; and

send data to the remote user device data indicative that the check can be exchanged for the check amount.

3. The computer readable medium set forth in claim 2 , wherein the consumer interface device includes a telephonic interactive voice response (IVR) device, the instructions are further operable to send data to the remote user device that includes an audible telephonic output.

4. The computer readable medium set forth in claim 2 , the instructions are further operable to

received from the remote automated banking machine image data corresponding to a visual image of the check; and

resolving from the image data, data identifying the check and the check amount.

5. The computer readable medium set forth in claim 4 , the instructions are further operable to resolve data corresponding to at least one character from at least one of a group consisting of a micr line and a check number on the check.

6. The computer readable medium set forth in claim 4 , the instructions are further operable to receive from the consumer interface device data corresponding to a visual image of the check.

7. The computer readable medium set forth in claim 1 , the instructions are further operable to cause funds in the account of the account holder in the check amount to be put on hold.

8. The computer readable medium set forth in claim 1 , the instructions are further operable to cause funds in the account of the account holder in the check amount to be moved to a special account.

9. The computer readable medium set forth in claim 1 , the instructions are further operable to deduct a fee from the check amount;

wherein the amount authorized amount of cash to be dispensed is the check amount minus the fee.

10. The computer readable medium set forth in claim 1 , the instructions are further operable to deduct a fee from the account of the account holder.

11. A tangible, non-transitory computer readable medium of instructions with instructions encoded thereon for execution by a processor, and when executed operable to:

receive from a maker of a check, check identifying data, wherein the check identifying data includes data corresponding to a financial account associated with the maker and a check amount;

determine from the check identifying data whether the check can be paid from the account in the check amount;

generating certification data responsive to determining that the check can be paid from the account in the check amount; and

communicate the certification data generated to the maker of the check,

wherein the instructions are further operable to enable a bearer of the check to use an automated banking machine to carry out a check cashing transaction to exchange the check for cash corresponding to the check amount without providing user identification data.

12. The computer readable medium set forth in claim 11 , the instructions are further operable to:

receive data representative of the check and data representative of the certification data from an automated banking machine during a check cashing transaction to exchange the check for cash corresponding to the check amount;

wherein during the check cashing transaction no information from the bearer that is usable to personally identify the bearer is received from the automated banking machine.

13. The computer readable medium set forth in claim 12 , the instructions further operable to determine that the certification data received form the automated banking machine corresponds to the generated certification data.

14. The computer readable medium set forth in claim 13 , the instructions are further operable to receive image data corresponding to an image of at least a portion of the check from the automated banking machine.

15. The computer readable medium set forth in claim 11 , wherein data representative of the check further comprises micr data, wherein the instructions are further operable to determine whether the account of the account holder matches the micr data.

16. The computer readable medium set forth in claim 11 , wherein the data representative of the check a user input check amount, wherein the instructions are further operable to determine whether the user input check amount matches the check amount.

17. The computer readable medium set forth in claim 11 , the instructions are further operable to receive data representative of the check and the certification data from an automated banking machine for a authorization to exchange the check for cash corresponding to the check amount;

validating the data representative of the check and the certification data;

authorizing cash to be dispensed by the automated banking machine corresponding to the check amount responsive to validating the data representative of the check and the certification data.

18. A tangible, non-transitory computer readable medium of instructions with instructions encoded thereon for execution by a processor, and when executed operable to:

operate a self-service check-cashing automated banking machine during a check cashing transaction to receive from a check bearing customer of the machine, a paper check that was pre-approved to be treated by the machine as a particular amount of cash to allow a bearer of the check to cash the check anonymously at the machine, wherein the particular amount of cash corresponds to an amount indicated on the check; and

operate the machine during the transaction to dispense the particular amount of cash to the customer without receiving data related to identity of the customer to conduct the transaction.

19. The computer readable medium set forth in claim 18 , the instructions are further operable to receive from the customer, a check cashing code uniquely correlated in a data store with data corresponding to the check; and

wherein the particular amount of cash is dispensed responsive to the machine receiving both the check and the code.

20. The computer readable medium set forth in claim 18 , the instructions are further operable to hold funds corresponding to the particular amount from a checking account on which the check is drawn.

Assignments (24)