Check accepting and cash dispensing automated banking machine system and method

An automated banking machine system includes ATMs that can accept checks. Cash may be dispensed from an ATM to the user in exchange for a check. Cancellation indicia can be marked on the check by the ATM. The ATM can acquire image data and magnetic data from a received check to determine the genuine...

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Main Authors CREWS TIM, BLACKSON DALE H, KAY JAMES R, BROWN MARTIN J, LASKOWSKI EDWARD L, WARREN WAYNE, PETERS DAVID A, DROZDA LAURA, BELL VICTOR, BARNETT ROBERT W, GRAEF H. THOMAS, PAHL MATTHEW, GALLOWAY TODD, MCCARTHY WILLIAM, CARPENTER KEITH, RYAN MIKE, WARD MARK A
Format Patent
LanguageEnglish
Published 01.01.2008
Subjects
CALCULATING
COMPUTING
COUNTING
ELECTRIC DIGITAL DATA PROCESSING
PHYSICS
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Summary:An automated banking machine system includes ATMs that can accept checks. Cash may be dispensed from an ATM to the user in exchange for a check. Cancellation indicia can be marked on the check by the ATM. The ATM can acquire image data and magnetic data from a received check to determine the genuineness of the check and the authority of the user to cash the check. A check imaging device of the ATM can generate a digital image of a received check. The check image data can be stored in correlated relation with the related transaction data. The ATM can also modify the check image data to produce a modified check image that excludes sensitive check information, such as the user's account number in the micr line. The ATM can then print this modified check image on the user's transaction receipt.
Bibliography:Application Number: US20070787406