초록 ▼

An automated banking machine (10) includes a user interface (12) including an opening (20). Users of the machine deliver individual sheets and stacks of sheets to and from the machine through the opening. Stacks of sheets may include sheets such as notes, checks or other documents. Stacks input to t

An automated banking machine (10) includes a user interface (12) including an opening (20). Users of the machine deliver individual sheets and stacks of sheets to and from the machine through the opening. Stacks of sheets may include sheets such as notes, checks or other documents. Stacks input to the machine may include mixtures of various types of sheets. The machine operates to receive notes, process checks and perform other operations. Notes received in the machine may be recycled and dispensed to other users. Checks processed by the machine may be imaged by an imaging device, cancelled and stored in the machine or alternatively returned to a user. Documents produced by the machine such as receipts, checks or money orders as well as notes dispensed from the machine are assembled into a stack within the machine and delivered from the machine through the opening.

대표청구항 ▼

We claim: 1. A method comprising: (a) receiving user account identifying information from a user through at least one input device of an automated banking machine; (b) operating the automated banking machine to communicate at least one first message to at least one remote computer to determine if a

We claim: 1. A method comprising: (a) receiving user account identifying information from a user through at least one input device of an automated banking machine; (b) operating the automated banking machine to communicate at least one first message to at least one remote computer to determine if a user account associated with the user account identifying information can, responsive to at least one second message from the automated banking machine that indicates deposit acceptance, have a credit posted thereto; (c) responsive to a positive determination in (b) accepting a deposit in the automated banking machine, wherein the deposit includes at least one check and at least one currency bill; (d) evaluating the deposit through operation of the automated banking machine to determine a total value associated therewith, including summing at least one amount from the at least one check and at least one amount from the at least one currency bill; and (e) operating the automated banking machine to communicate the at least one second message to the at least one remote computer, wherein the at least one second message causes the user account to have a credit posted thereto in an amount corresponding to the total value. 2. The method according to claim 1 wherein step (c) includes accepting a plurality of checks, and wherein step (d) includes summing amounts from each of the plurality of checks. 3. The method according to claim 2 wherein step (c) includes accepting a plurality of currency bills, and wherein step (d) includes summing bill values from each of the plurality of currency bills. 4. The method according to claim 1 and further comprising: operating at least one processor in the automated banking machine to generate first data corresponding with a first check accepted from a user in step (c) and a first identifying value, and to store the first data and the first identifying value in associated relation in at least one data store in the machine, which data store is in operative connection with the at least one processor, and operating the at least one processor to generate second data corresponding to a second check accepted from the user in step (c) and to store the second data and the first identifying value in associated relation in the at least one data store. 5. The method according to claim 4 and further comprising: determining through operation of the machine at least one bill value associated with the at least one currency bill accepted from a user in step (c), operating the at least one processor to store the at least one bill value and the first identifying value in associated relation in the at least one data store; operating the machine to communicate the first data, second data, and the at least one bill value to the at least one remote computer. 6. The method according to claim 4 wherein the first data comprises first image data corresponding to a visual representation of at least a portion of at least one side of the first check, and wherein the second data corresponds to second image data corresponding to a visual representation of at least a portion of at least one side of the second check, and further comprising: operating the automated banking machine to communicate the first data and second data in association with the first identifying value, to the at least one remote computer. 7. The method according to claim 1 and further comprising: operating at least one processor in the automated banking machine to generate a first identifying value, and to associate the first identifying value in ax least one data store in the automated banking machine, with generated data corresponding to each of a plurality of items accepted into the automated banking machine in step (c); and operating the automated banking machine to communicate the generated data to the at least one remote computer. 8. The method according to claim 1 wherein step (c) includes accepting a plurality of checks. 9. The method according to claim 1 wherein step (c) includes accenting a plurality of currency bills. 10. A method of operating an automated banking machine including a cash dispenser during a user deposit session involving a user account and plural deposit items including checks received sans a deposit envelope, comprising: (a) prior to the machine receiving all of the checks, receiving with the machine, notification that the account is arranged to have posted thereto, a credit which corresponds to a total deposit sum determined by the machine, (b) operating the automated banking machine to generate first data corresponding to a first received check; (c) operating the automated banking machine to generate a first identifying value; (d) storing the first data and the first identifying value in associated relation in at least one data store in the machine; (e) operating the automated banking machine to generate second data corresponding to a second received check; (f) storing the second data and the first identifying value in associated relation in the at least one data store; (g) operating the automated banking machine to determine a total deposit sum of all received deposit items; and (h) operating the automated banking machine to communicate at least one deposit verification message that includes at least the first data, the second data, and the total deposit sum determined in step (g). 11. The method according to claim 10 wherein the first data comprises first image data corresponding to a visual representation of at least a portion of at least one side of the first check, wherein in step (h) the first image data is sent to the at least one remote computer. 12. The method according to claim 10 and further comprising: (i) receiving further user account identifying information from a further user through at least one input device of the automated banking machine; (j) receiving through at least one input device of the automated banking machine, at least one input indicating that the further user wishes to make a second deposit into the machine, wherein the second deposit includes at least one of a check and a currency bill; (k) operating the automated banking machine to communicate with at least one remote computer to determine if the further user account associated with the further user account identifying information, can have a credit posted thereto responsive to at least one message from the automated banking machine indicating deposit of at least one of a check and a currency bill into the automated banking machine; (l) responsive to a positive determination in (k), accepting the second deposit in the automated banking machine; (m) evaluating the second deposit through operation of the automated banking machine to determine a further total value associated therewith; (n) operating the automated banking machine to communicate at least one further message with at least one remote computer, wherein the at least one further message causes the further user account to be credited with the further total value. 13. The method according to claim 12 and further comprising: operating the at least one processor in the automated banking machine to generate third data corresponding to a first further check accepted from the further user in (l) and a second identifying value, and storing the third data and second identifying value in the at least one data store. 14. A method comprising: (a) causing automated banking machine during a user deposit transaction to check whether a user account involved in the transaction is authorized to have immediately posted thereto a credit corresponding to a total deposit amount determined by the machine; (b) receiving with the machine during the transaction, a deposit sans a deposit envelope, wherein the deposit includes at least one check and at least one currency bill, wherein the machine includes at least one processor; (c) determining with the machine, a total deposit amount corresponding to the deposit received step (b), wherein the determining includes operation of a check imaging device and a currency bill validating device; and (d) operating the machine to send at least one message that includes the total deposit amount determined in step (c). 15. The method according to claim 14 wherein in step (d) the at least one message includes at least one image of at least one check received in step (b). 16. The method according to claim 14 wherein step (d) includes operating the machine to send at least one message that causes the user account to be credited the total deposit amount. 17. The method according to claim 14 wherein in step (a) the machine receives notification from a remote computer host that the user account is authorized, wherein in step (d) the machine sends the at least one message to the remote computer host. 18. The method according to claim 14 wherein in step (b) the deposit includes at least one of plural checks and plural currency bills. 19. The method according to claim 18 wherein in step (b) the deposit includes plural checks and plural currency bills. 20. The method according to claim 14 wherein the machine includes a cash dispenser. 21. The method according to claim 20 wherein the machine comprises an ATM.