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In an Automated Teller Machine (ATM) with check deposit/ cashing mechanism, a programming change creates a bill payment feature in which the bill is imprinted and returned to the user as a receipt.
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Bill Payment/receipt Issue Feature for Automated Teller Machine
In an Automated Teller Machine (ATM) with check deposit/ cashing
mechanism, a programming change creates a bill payment feature in which the
bill is imprinted and returned to the user as a receipt.
An ATM with check deposit/cashing capability includes a printer which prints
transaction data on the check inserted by the user, and then places the check in
a depository. This mechanism has the ability to "back out" an inserted check
through the insertion slot if it is inserted incorrectly, if the MICR encoding cannot
be read, or for any other reason.
It is readily apparent that reprogramming to make use of this "back out"
capability creates a bill paying feature in which the user requests that a bill be
paid from a specific valid account and inserts the bill in the check slot. The ATM
feeds the bill in to the print station, carries out the transaction, prints receipt data
on the bill, and then "backs" the bill out the slot to the user. The transaction is the
same as has been utilized for ATM account transfers for bill paying applications,
with the added advantage of giving the user payment verification on the bill itself.