Automated banking machine that operates responsive to data bearing records
An automated banking machine operates to cause financial transfers responsive to data read from data bearing records. A card actuated automated banking machine may accept checks and dispense cash to users. The banking machine is operated to acquire image and magnetic data from deposited checks to determine the genuineness of checks and the authority of a user to receive cash for such checks. Cash may be credited to a user account corresponding to card data or may be dispensed to the user from the banking machine responsive to one or more deposited checks.
1. Apparatus comprising:
an automated banking machine operable to cause financial transfers responsive at least in part to data read from data bearing records, including:
a card reader, wherein the card reader is operable to read card data from user cards, wherein the card data corresponds to financial accounts,
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,
a sheet dispenser, wherein the sheet dispenser is operable to selectively provide sheets from the machine,
at least one processor associated with the automated banking machine,
wherein the at least one processor is in operative connection with the card reader, the imaging device, and the sheet dispenser,
wherein the at least one processor is configured 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 configured to operate through communication with the first computer, to:
cause a computer determination to be made that the card data read from a user card corresponds to an authorized financial account, and
cause responsive at least in part to the determination, financial transfer at least one of to or from the financial account;
wherein the at least one processor is configured to operate through communication with the second computer to cause the check image data to be sent to the second computer.
2. The apparatus according to claim 1
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.
3. The apparatus according to claim 2
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 of the card data.
4. The apparatus according to claim 3 wherein the deposit ticket data corresponds to an image of a deposit ticket.
5. The apparatus according to claim 1
wherein the at least one processor is operable to periodically receive at least one message from the second computer indicative that the second computer is in operative condition to receive check images,
wherein the at least one processor is configured to operate responsive at least in part to non-receipt of the at least one message from the second computer, to send at least one status message to the first computer.
6. The apparatus according to claim 5
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 configured to operate responsive at least in part to receiving the at least one change message, to cause check image data to be sent to a further remote computer,
wherein the further remote computer is other than the first computer and the second computer.
7. Apparatus comprising:
an automated banking machine operable to cause financial transfers responsive at least in part from data read from data bearing records, including:
a card reader, wherein the card reader is operable operative to read card data from user cards, wherein the card data corresponds to financial accounts,
an imaging device, wherein the imaging device is operable operative 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,
a sheet dispenser, wherein the sheet dispenser is operable operative to selectively provide sheets from the machine,
at least one processor associated with the automated banking machine,
wherein the at least one processor is in operative connection with the card reader, the imaging device, and the sheet dispenser,
wherein the at least one processor is configured 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 configured to operate to:
cause card data to be read from a user card,
cause a computer determination to be made at least in part through communication with the first computer, that the card data corresponds to a financial account,
cause to be produced through operation of the imaging device, check image data corresponding to a check received in the machine,
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, and
cause at least a portion of the image data and the card data to be sent to the second computer.