Check cashing with a mobile phone

摘要

A card actuated automated banking machine (152, 198, 200) includes a plurality of transaction function devices. The transaction function devices include a card reader (170), a printer (174), a bill dispenser (176), a display (182), a check imaging device (186), and at least one processor (190). The machine is operative, responsive to receiving a check and certification data, to dispense cash in exchange for the check. The person presenting the check to the machine need not provide user identifying inputs through input devices of the machine in order to receive cash for the check. Furthermore, prior to accepting the check as a payment, the person can communicate with at least one computer (204) through at least one consumer interface device (208) to verify that the check is payable for the check amount.

主权项

1. 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 an account holder through a consumer interface device data identifying a check from an account associated with an 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 and data representative of the check; determine whether the data representative of the certification data and the data representative of the check received from the automated banking machine correspond to certification data and data corresponding to the check that are stored in the data store; and authorizing the automated banking machine to dispense an amount of cash to the machine user responsive to determining that the data representative of the certification data and the data representative of the check received from the automated banking machine correspond to certification data and data corresponding to the check that are stored in the data store; wherein the amount of cash corresponds to the check amount.