Automated banking machine system and method

Abstract

A system and method of providing an electronic transaction receipt from a cash dispensing ATM. A bank host computer is operable to submit the receipt to a system address of record with the bank. The address of record corresponds to an e-mail address, phone number or other address associated with an account involved in the transaction. The receipt may include an image or images associated with the transaction. Thus, a user of an ATM is able to receive an electronic receipt corresponding to the ATM transaction. The system may also operate to image deposited checks deposited at an ATM. Copies of the imaged checks and other information can be electronically sent to a maker, payee, a clearinghouse or banks involved with the transaction. The system may also operate to provide the user with blank checks in hard copy or virtual checks for transactions.

Description

[0001] This application claims priority pursuant to 35 U.S.C. .sctn.119(e) of Provisional Applications No. 60 / 378,705 filed May 7, 2002 and No. 60 / 423,756 filed Nov. 5, 2002. This application is also a continuation in part of copending application Ser. No. 09 / 638,848 filed Aug. 14, 2000 which claims priority of Provisional Application No. 60 / 149,765 filed Aug. 19, 1999. this application is also a continuation in part of copending application Ser. No. 09 / 578,291 filed May 25, 2000 which claims priority of provisional No. 60 / 144,761 filed Jul. 20, 1999. This application is also a continuation-in-part of copending application Ser. No. 09 / 193,787 filed Nov. 17, 1998 which claims benefit of Provisional Applications No. 60 / 091,887 filed Jul. 7, 1998, No. 60 / 095,626 filed Aug. 7, 1998 and No. 60 / 098,907 filed Sep. 2, 1998; and which is a continuation-in-part of PCT / US97 / 21422 filed Nov. 25, 1997 (U.S. Ser. No. 09 / 077,337) which claims priority of Provisional Application No. 60 / 031,956 file...

AI Technical Summary

Benefits of technology

[0014] It is a further object of an exemplary form of the present invention to provide an automated banking machine and system that provides a user with a familiar interface and transaction options of their home institution at machines operated by foreign institutions.

[0041] Embodiments of the present invention also provide enhanced user interfaces and for the printing of a wide variety of documents with the banking machine. The invention also enables achieving enhanced functionality while utilizing existing transaction networks and automated transaction machines.

Problems solved by technology

Other types of automated banking machines may limit customers to particular transactions, such as a bank depository not permitting the dispensing of cash.

In addition the user is limited to the transaction options provided by the foreign institution.

A customer may encounter difficulties when using a foreign institution's machine.

Problems may occur because the user is not familiar with the type of machine operated by the foreign institution.

Confusion may result because the customer does not know which buttons or other mechanisms to actuate to accomplish the desired transactions.

This may be particularly a problem when the user is from another country and is not familiar with the type of banking machine or the language of the interface provided by the foreign institution.

Likewise, the documents which are printed by printers in an automated banking machine are generally limited to a limited group of defined formats in a single language.

If the foreign institution does not provide this capability, the user will be unable to do this when operating the foreign machine.

The inability of a user at a foreign machine to conduct the transactions that they are accustomed to may present problems.

Access to such credit card processing systems is also restricted primarily for purposes of maintaining security.

The Internet has not been as widely used for financial transaction messages because it is not generally regarded as a secure system.

Because the messages may be intercepted at locations that are distant in the world from the intended recipient, there is potential for fraud and corruption.

However the openness of the Internet has limited its usefulness for purposes of financial messages, particularly financial messages associated with the operation of automated banking machines.

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