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. An apparatus, comprising:
a mobile phone that comprises an image capture device, a wireless transceiver, and a processor coupled with the image capture device and wireless transceiver; the image capture device is operable to capture an image of a financial check associated with a financial account; wherein the at least one image includes check data that includes a check amount; the processor is operable to operate the wireless transceiver to send the image along with a request that funds corresponding to the check amount be reserved to ensure check payment; and the processor is operable to receive via the wireless transceiver a message confirming receipt of the request that funds corresponding to the check amount be reserved; wherein the message includes a code corresponding to the check that allows a potential recipient of the check to verify that the check is payable for the check amount, and a recipient of the check to anonymously cash the check without providing any machine user identification data.