Check cashing automated banking machine controlled responsive to data bearing records
An automated banking machine operates responsive to data read from data bearing records to cause financial transfers. The machine includes a card reader that reads data from user cards corresponding to financial accounts. The machine can communicate with a host computer to cash financial checks. The machine can read check indicia, send check data to the host, receive authorization from the host to cash the check, and dispense cash corresponding to the check. The machine can also produce image data representative of the check indicia and determine whether the image data can be accurately identified within a predetermined level of assurance.
1. A method comprising:
(a) operating an automated banking machine to receive from a machine user, a request for a transaction comprising one of a check deposit transaction and a check cashing transaction,
wherein the machine includes at least one reader device operative to read customer identification data provided by the machine user,
wherein the machine is operative to allow the machine user to request a transaction responsive at least in part on the machine user being recognized as an authorized user of the machine based at least in part on computer-determined correspondence between
customer identification data read by the at least one reader device, and
authorized machine user identification information stored in at least one data store;
(b) operating the machine to receive from the machine user, check data corresponding to a check associated with the transaction requested in (a);
(c) operating the machine to resolve check information through analysis of electronic data representative of the check data received in (b);
(d) operating the machine to cause the check information resolved in (c) to be sent to a remote transaction authorization computer;
(e) operating the machine to receive authorization to carry out the transaction; and
(f) operating the machine to carry out the transaction.
2. The method according to claim 1 wherein the machine is associated with at least one computer, wherein the at least one reader device includes at least one of a card reader and a biometric reader,
wherein the at least one computer is operative to cause financial transfers responsive at least in part to data read by the at least one of a card reader and a biometric reader,
and further comprising:
(g) operating the at least one of a card reader and a biometric reader to read customer identification data provided by the machine user.
3. The method according to claim 2 wherein the at least one reader device includes both a card reader and a biometric reader,
wherein (g) includes
operating the card reader to read customer card data, and
operating the biometric reader to read customer biometric data,
and further comprising:
(h) operating the at least one computer to allow the machine user to make the request for the transaction responsive at least in part to both
computer-determined correspondence between the customer card data read in (g) and stored card information, and
computer-determined correspondence between the customer biometric data read in (g) and stored biometric information.
4. The method according to claim 1 wherein (b) includes receiving a check that includes the check data,
wherein the machine includes at least one imager, and further comprising
(g) prior to (c), operating the at least one imager to image at least one portion of the check received in (b);
wherein the electronic data in (c) includes image data corresponding to the at least one portion imaged in (g).
5. The method according to claim 4 wherein (c) includes analyzing the image data.
6. The method according to claim 5 wherein (g) includes capturing an image of at least one side of the check received in (b).
7. The method according to claim 1
wherein the check information resolved in (c) includes a check amount,
wherein (f) includes operating a cash dispenser of the machine to dispense to the machine user, an amount of cash which is associated with the check amount resolved in (c).
8. The method according to claim 7 wherein (d) includes sending the check amount resolved in (c) to the remote transaction authorization computer.
9. The method according to claim 1 wherein (a) includes receiving a request for a check deposit transaction, and wherein (f) includes carrying out the check deposit transaction.
10. The method according to claim 1 wherein (a) includes receiving a request for a check cashing transaction, and wherein (f) includes carrying out the check cashing transaction.
11. The method according to claim 10 wherein (f) includes operating a cash dispenser of the machine to dispense to the machine user, an amount of cash associated with the check.
12. The method according to claim 1 wherein (b) includes receiving a check that includes the check data,
wherein the machine includes a user interface that has an opening,
wherein (b) includes receiving the check through the opening,
wherein the machine includes at least one transport path, and further comprising:
(g) moving the check in the at least one transport path.
13. The method according to claim 12 wherein the machine is operative to receive through the opening, each of an individual check, a stack of sheets including at least one check, and an envelope including at least one check,
wherein in (b) the check is received through the opening either
alone as an individual check, or
together with other sheets in a stack of sheets.
14. The method according to claim 13 wherein in (b) a stack of sheets is moved through the opening while the check is part of the stack.
15. The method according to claim 12 wherein the opening comprises an inlet/outlet opening, wherein the machine is operative to dispense a stack of sheets through the inlet/outlet opening, and further comprising:
(h) operating the machine to form a stack of sheets, wherein the stack includes currency notes; and
(i) operating the machine to dispense the stack formed in (h) through the inlet/outlet opening.
16. The method according to claim 15 wherein the stack formed in (h) includes currency notes stacked in order of denomination.
17. The method according to claim 15 wherein the stack formed in (h) includes a printed transaction receipt.
18. The method according to claim 15 and further comprising:
(j) prior to (i), aligning the stack formed in (h).
19. The method according to claim 1 wherein (b) includes receiving a check that includes the check data,
wherein the machine is operative to simultaneously service two different machine users,
wherein the machine includes a first user interface having a first opening,
wherein the machine includes a second user interface having a second opening,
wherein (b) includes receiving the check through one of the first opening and the second opening.
20. At least one article including computer executable instructions configured to cause at least one computer to carry out a method comprising:
(a) operating an automated banking machine,
which includes at least one reader device operative to read customer identification data provided by a machine user, and
which is operative to allow the machine user to request a transaction responsive at least in part on the machine user being recognized as an authorized user of the machine based at least in part on computer-determined correspondence between
customer identification data read by the at least one reader device, and
authorized machine user identification information stored in at least one data store,
to receive from the machine user, a request for a transaction comprising one of a check deposit transaction and a check cashing transaction;
(b) operating the machine to receive from the machine user, check data corresponding to a check associated with the transaction requested in (a);
(c) operating the machine to resolve check information through analysis of electronic data representative of the check data received in (b);
(d) operating the machine to cause the check information resolved in (c) to be sent to a remote transaction, authorization computer;
(e) operating the machine to receive authorization to carry out the transaction; and
(f) operating the machine to carry out the transaction.