Ncr Corporation

Malon S Updike

Bradley L Lozier

John D Morgan

Ian C Goodall

Michael O'Laughlin

Douglas Berlon

A system and method of cashing a check which reduces wait times and automates a very manual process. An example method includes capturing an image of the check, sending a request including an image file containing the image of the check to a check approval system, receiving an approval to cash the check from the check approval system, and submitting the image file and the approval during a check cashing transaction at a self-service terminal.

System and method of cashing a check

A method is provided of operating an image-based check depositing terminal in response to a fault condition. The method comprises the steps of receiving a non-customer identification card from an individual who is other than a customer conducting a check deposit transaction at the check depositing terminal, reading from the card data which is associated with a financial institution, receiving from the individual a check which has been recovered from the terminal by the individual while clearing the fault condition, capturing an image of the check received from the individual, transporting the check to a check storage bin after the image of the check has been captured, and transmitting to the financial institution the captured image of the check together with the data which is associated with the financial institution. The method may further comprise the step of returning the non-customer identification card to the individual after the check has been transported to the check storage bin.

Method of operating an image-based self-service check depositing terminal in response to a fault condition

A method is provided of an institution creating a substitute check using check image data from a remote check image capture device. The method comprises receiving from the remote check image capture device binary image data which is representative of a binary image of a check, receiving from the remote check image capture device grayscale image data which is representative of a grayscale image of the check, determining if the binary image of the check is usable, and creating a substitute check based upon the grayscale image data if the binary image of the check is determined to be unusable.

Method of creating a substitute check using check image data from a remote check image capture device and an apparatus therefor

A method is provided of an operator who is other than a check depositing customer handling a fault condition in an image-based check depositing terminal. The method comprises inserting a non-customer identification card into a card reader of the terminal to allow the card reader to read from the card data which is associated with a financial institution, removing a check along a check transport path which extends between a check input slot and an image capture device of the terminal, and inserting the removed check into the check input slot to allow the check to be transported along the check transport path past the image capture device to capture an image of the check so that the image of the check can be electronically transmitted together with the data which is associated with the financial institution. The method may further comprise verifying that the check is transported into a check storage bin after the check has been transported past the image capture device. The method may further comprise removing the non-customer identification card from the card reader after the operator has verified that the check has been transported into the check storage bin.

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Dayton, OH, United States of America

Malon S Updike