Browse Prior Art Database

Automatic Teller Machine Check-Cashing Mechanism With Video Digitizing Camera

IP.com Disclosure Number: IPCOM000061094D
Original Publication Date: 1986-Jun-01
Included in the Prior Art Database: 2005-Mar-09
Document File: 2 page(s) / 47K

Publishing Venue

IBM

Related People

Rohen, JE: AUTHOR

Abstract

In a check-cashing automatic teller machine (ATM), a video camera and associated logic capture and store a digitized image of both sides of the check presented. Normally, the check is honored and cash is issued to the ATM user. However, if predetermined conditions are detected, the image is automatically transmitted to a video terminal to permit visual examination by a teller. If the teller determines that the check is valid, the ATM is permitted to issue the required cash. If the teller determines that the check is not valid, it is rejected and returned to the ATM user. The figure shows schematically the logical elements of the present embodiment. It is seen that video camera 1 is located within the ATM. It views both sides of each check presented and its output is digitized by electronics 2 and retained in the storage 3.

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Automatic Teller Machine Check-Cashing Mechanism With Video Digitizing Camera

In a check-cashing automatic teller machine (ATM), a video camera and associated logic capture and store a digitized image of both sides of the check presented. Normally, the check is honored and cash is issued to the ATM user. However, if predetermined conditions are detected, the image is automatically transmitted to a video terminal to permit visual examination by a teller. If the teller determines that the check is valid, the ATM is permitted to issue the required cash. If the teller determines that the check is not valid, it is rejected and returned to the ATM user. The figure shows schematically the logical elements of the present embodiment. It is seen that video camera 1 is located within the ATM. It views both sides of each check presented and its output is digitized by electronics 2 and retained in the storage 3. The ATM MICR reader 4 scans the check, and this data, together with data input via keyboard 5, is transmitted by communications link to decision logic 6 at the host location. If this data is within predetermined criteria limits, the ATM user's account is updated (7) and cash is issued (8) to the ATM user. If decision logic 6 determines that the predetermined criteria are met or exceeded, the ATM is directed (9) to transmit the video data from ATM storage 3 to host location storage 10. The host is directed (11) to re-transmit the video data to authorization teller disp...