Granted Patent B2

US 9,569,758 · App. 14/847,722 · Granted Feb 14, 2017

Abstract

Claims (78)

1. Apparatus comprising:

an automated banking machine operable to cause financial transfers responsive at least in part to data read from data hearing records, including:

an imaging device, wherein the imaging device is operable to cause check image data to be produced, wherein the check image data corresponds to at least a portion of a visual image of a check received in the machine;

at least one processor associated with the automated banking machine, wherein the at least one processor is communicatively coupled with the imaging device;

wherein the at least one processor is operable to communicate with a first computer remote from the machine and a second computer remote from the machine, wherein the second computer differs from the first computer;

wherein the at least one processor is operable through communication with the first computer to cause a computer determination of an authorized financial account associated with a user of the machine;

wherein the at least one processor is operable through communication with the second computer to cause the check image data to be sent to the second computer;

wherein the at least one processor is operable using the check image data, to determine at least one numerical value included on the check, wherein the at least one processor is operable to cause the at least one numerical value to be sent to the second computer in associated relation with the check image data;

wherein the at least one processor is operable to generate deposit ticket data, wherein the deposit ticket data includes the at least one numerical value and at least a portion data associated with the user;

wherein the deposit ticket data corresponds to an image of a deposit ticket;

wherein the at least one processor is operable to cause the deposit ticket data to be sent to the second computer; and

wherein the at least one processor is operable to send data representative of the at least one numerical value to the first computer to cause the financial account to be credited an amount corresponding to the at least one numerical value.

2. The apparatus according to claim 1 , wherein the at least one processor is operable to cause the check image data to be sent to the second computer responsive at least in part to the determination that the card data corresponds to an authorized financial account.

3. The apparatus according to claim 2 , wherein the at least one processor is operable to cause the imaging device to cause check image data to be produced for each of a plurality of checks received by the machine during a single transaction session conducted at the machine in association with the financial account corresponding to the card data, wherein the at least one processor is operable to determine at least one numerical value from the respective check image data corresponding to each of the plurality of checks, wherein the at least one processor is operable to cause at least one numerical value determined for each of the plurality of checks to be included in the deposit ticket data.

4. The apparatus according to claim 3 , wherein the at least one numerical value from each check includes at least one of a courtesy amount value, a legal amount value and a Magnetic Ink Character Recognition (MICR) line character value or any combination thereof.

5. The apparatus according to claim 4 , further comprises a card reader, wherein the card reader is operative to read card data from user cards, wherein the card data corresponds to financial accounts;

wherein the at least one processor is operable to generate cash-in ticket data, and to cause the cash-in ticket data to be sent to the second computer.

6. The apparatus according to claim 5 , wherein the cash-in ticket data corresponds to a visual image of a cash-in ticket.

7. The apparatus according to claim 6 , wherein the cash-in ticket data includes data corresponding to at least a portion of the card data.

8. The apparatus according to claim 4 , wherein the automated banking machine further includes a cash acceptor,

wherein the cash acceptor is operable to receive cash,

wherein the cash acceptor is in operable connection with the at least one processor,

wherein the at least one processor is operable to determine a cash value associated with received cash received through operation of the cash acceptor, and

wherein the at least one processor is operable to include data corresponding to the cash value in the cash-in ticket data.

9. The apparatus according to claim 8 , wherein the at least one processor is operable to periodically receive, at least one message from the second computer;

wherein the at least one message is indicative that the second computer is in operable condition to receive check images; and

wherein the at least one processor is operable responsive at least in part to non-receipt of the at least one message from the second computer, to cause at least one status message to be sent to the first computer.

10. The apparatus according to claim 9 , wherein the at least one processor is operable to receive at least one change message from the first computer subsequent to causing the at least one status message, to be sent to the first computer,

wherein the at least one processor is operable responsive at least in part to receiving the at least one change message to cause check image data to be sent to a third remote computer that differs from the first computer and second computer.

11. An apparatus comprising:

an automated banking machine operable to cause financial transfers responsive at least in part from data read from data bearing records, including:

an imaging device, wherein the imaging device is operable to cause check image data to be produced, wherein the check image data corresponds to at least a portion of a visual image of a check received in the machine;

at least one processor associated with the automated banking machine, wherein the at least one processor is communicatively coupled with the the imaging device;

wherein the at least one processor is operable to communicate with a first computer remote from the machine and a second computer remote from the machine, wherein the second computer differs from the first computer;

wherein during a transaction session, the at least one processor is operable to determine a financial account and cause to be produced check image data corresponding to a check received in the machine and scanned through operation of the imaging device;

determine a value associated with the check;

cause responsive at least in part to the determination, at least a portion of the value to be transferred into the financial account, cause at least a portion of the image data and the card data to be sent to the second computer;

wherein the at least one processor is operable to produce deposit ticket data including data corresponding to the value, cause the deposit ticket data to be sent to the second computer; and

wherein the at least one processor is operable to send data representative of the value associated with the check to the first computer to cause the first computer to credit the financial account an amount corresponding to the value associated with the check.

12. The apparatus according to claim 11 , wherein the deposit ticket data includes data corresponding to a processor generated deposit ticket image.

13. The apparatus according to claim 12 , further comprising a card reader, wherein the card reader is operable to read card data from user cards, wherein the card data corresponds to financial accounts; and

wherein the deposit ticket image includes at least a portion of the card data.

14. An apparatus, comprising:

a processor associated with an automated banking machine that includes an instrument acceptor operable to receive financial instruments;

wherein the processor is operable to cause user data obtained from a user during a user session with the automated banking machine to be sent to a transaction authorizing host computer;

wherein the processor is operable to generate an electronic deposit slip that includes a data representative of a financial account associated with the user data, and an amount corresponding to a value of a financial instrument received by the instrument acceptor during the user session;

wherein the processor is operable to cause the electronic deposit slip to be sent to a server that is remotely located from the automated banking machine and the host computer; and

wherein the processor is operable to send data representative of the value of the financial instrument to the authorizing host terminal to cause the financial account to be credited an amount corresponding to the value of the financial instrument.

15. The apparatus according to claim 14 , wherein the instrument acceptor includes a check acceptor that is operable to receive a check during a deposit transaction; and

wherein the processor is operable to generate an electronic deposit slip that includes an amount comprising the value of the check received by the check acceptor during the deposit transaction.

16. The apparatus according to claim 14 , wherein the at least one instrument acceptor includes a cash acceptor;

wherein the cash acceptor is operable to receive cash during a deposit transaction; and

wherein the processor is operable to generate an electronic deposit slip that includes an amount comprising a value of the cash received by the cash acceptor during the deposit transaction.

17. The apparatus according to claim 14 , wherein the processor is operable to periodically receive operational status messages when the server is operable to receive electronic deposit slips; and

wherein the processor is operable to determine that the server is operable to receive electronic deposit slips responsive at least in part to receipt of an operational status message.

18. The apparatus according to claim 14 , wherein the processor is operable to periodically receive operational status messages when the server is operable to receive electronic deposit slips; and

wherein the processor is operable to determine that the server is inoperable to receive electronic deposit slips responsive at least in part to failure to receive an operational status message;

wherein the server is associated with a network address;

wherein the processor is operable to cause electronic deposit slips to be sent to the network address while the server is determined to be operable to receive electronic deposit slips;

wherein the processor is operable to cause electronic deposit slips to be sent to an alternative network address associated with an alternate server while the server is determined to be inoperable to receive electronic deposit slips.

19. The computer readable medium according to claim 14 , wherein the instructions are operable to:

periodically receive operational status messages when the server is operable to receive electronic deposit slips, wherein the server is associated with a network address; and

determine that the server is inoperable to receive electronic deposit slips responsive at least in part to failure to receive an operational status message;

cause electronic deposit slips to be sent to the network address while the server is determined to be operable to receive electronic deposit slips; and

cause electronic deposit slips to be sent to an alternative network address associated with an alternate server while the server is determined to be inoperable to receive electronic deposit slips.

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

cause user data obtained during a user session to be sent to a transaction authorizing host computer;

generate an electronic deposit slip that includes data representative of a financial account associated with the user data, and an amount corresponding to a value of a financial instrument received by an instrument acceptor during the user session;

cause the electronic deposit slip to be sent to a server that is remotely located from the automated banking machine and the host computer; and

cause the financial account to be credited the amount corresponding to the value of the financial instrument.

21. The computer readable medium according to claim 20 , wherein the instrument acceptor includes a check acceptor that is operable to receive a check during a deposit transaction; and

wherein the instructions are operable to generate an electronic deposit slip that includes an amount comprising the value of the check received by the check acceptor during the deposit transaction.

22. The computer readable medium according to claim 20 , wherein the at least one instrument acceptor includes a cash acceptor;

wherein the cash acceptor is operable to receive cash during a deposit transaction; and

wherein the instructions are operable to generate an electronic deposit slip that includes an amount comprising a value of the cash received by the cash acceptor during the deposit transaction.

23. The computer readable medium according to claim 20 , wherein the instructions are further operable to:

periodically receive operational status messages when the server is operable to receive electronic deposit slips; and

determine that the server is operable to receive electronic deposit slips responsive at least in part to receipt of an operational status message.

Assignments (21)