US6578760B1
Expired / Lapsed
US
⏱️ 0.0 years remaining
Check cashing at automated teller machines
Assignee: NCR Atleos Corp
•
Filing: 1999-06-09
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Granted: 2003-06-17
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Expires: 2019-06-09
Abstract
Abstract A self-service kiosk for cashing checks. A kiosk, such as an Automated Teller Machine (ATM) receives a bank check from a customer. After identifying the customer and verifying the check, the kiosk delivers currency to the customer, and retains the check. However, the kiosk does not cause a deduction in an account maintained by the customer, because the check was probably drawn on the account of another.
Inventors
- 👤 Jerome A. Otto
Bibliographic Details
Application Number
—
Jurisdiction
US
Data Source
google_patents
Last Synchronized
2026-11-09 15:23
CPC Classifications
G; G07; G07F; G07F19/00; G07F19/20; G06; G06Q; G06Q20/00; G06Q20/04; G06Q20/042; G06Q20/08; G06Q20/10; G06Q20/108; G07F19/202
Claims Analysis
Total Claims: 4
Claim 1
Independent Claim
60 words
In an ATM, the improvement comprising: a) means for accepting a bank check from a customer; and b) means for delivering i) currency to the customer, without causing modification of an account maintained by the customer; ii) one or more documents having monetary value; and c) means for utilizing Message Authorization Codes, MACs, to verify authenticity of the bank check.
Claim 2
Dependent Claim
60 words
In an ATM, the improvement comprising: a) means for accepting a bank check from a customer; and b) means for delivering i) currency to the customer, without causing modification of an account maintained by the customer; ii) one or more documents having monetary value; and c) means for utilizing Message Authorization Codes, MACs, to verify authenticity of the bank check.
Claim 3
Independent Claim
69 words
A method of operating an ATM which delivers currency to customers, comprising the following steps: a) receiving a check from any customer; b) verifying validity of-the check and the identity of the customer and, if both are valid, delivering currency to the customer, without causing alteration of an account maintained by the customer; and c) utilizing one or more Message Authorization Codes, MACs, to verify authenticity of the check.
Claim 4
Independent Claim
69 words
A method of operating an ATM which delivers currency to customers, comprising the following steps: a) receiving a check from any customer; b) verifying validity of-the check and the identity of the customer and, if both are valid, delivering currency to the customer, without causing alteration of an account maintained by the customer; and c) utilizing one or more Message Authorization Codes, MACs, to verify authenticity of the check.
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USPTO Annuity & Maintenance Windows
| Annuity Stage | Window Opens | Payment Deadline | Surcharge Period Until | Estimated Fee | Status |
|---|---|---|---|---|---|
| 3.5 Years (Year 4) | 2006-06-16 | 2006-12-16 | 2007-06-17 | $2000.00 | Window Closed / Lapsed |
| 7.5 Years (Year 8) | 2010-06-16 | 2010-12-16 | 2011-06-17 | $3760.00 | Window Closed / Lapsed |
| 11.5 Years (Year 12) | 2014-06-16 | 2014-12-16 | 2015-06-17 | $7700.00 | Window Closed / Lapsed |