Automated banking machine that operates responsive to data bearing records

摘要

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.

主权项

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 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 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 paper sheets from the machine; at least one processor associated with the automated banking machine, wherein the at least one processor is communicatively coupled with the card reader, the imaging device and the sheet dispenser; 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 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, one of a group consisting of a financial transfer to the financial account and a financial transfer from the financial account; 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 of the card data; 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.