US 12,469,031 B2
Terminal enabled unbanked check processing
Bhagavanthulu Veera Venkata Tanakala, Dunwoody, GA (US); Lalitha Rashmi Bhairy, Dunwoody, GA (US); and Brennan Paul Day, Augusta, GA (US)
Assigned to Digital First Holdings LLC, Atlanta, GA (US)
Filed by Digital First Holdings LLC, Atlanta, GA (US)
Filed on Nov. 28, 2022, as Appl. No. 17/994,644.
Prior Publication US 2024/0177156 A1, May 30, 2024
Int. Cl. G06Q 20/40 (2012.01); G06Q 20/10 (2012.01)
CPC G06Q 20/401 (2013.01) [G06Q 20/10 (2013.01)] 12 Claims
OG exemplary drawing
 
1. A method, comprising:
receiving government card information associated with a government issued identification card of an unbanked consumer from a terminal;
receiving an image of a check from the terminal;
verifying the government card information with a government verification service;
verifying a first name on the check obtained from the image matches a second name associated with the government card information;
obtaining a bank identifier of a bank, an account identifier for an account of the check, and a check amount using at least the image;
sending the account identifier and the check amount to the bank using the bank identifier;
obtaining an authorization to cash the check from the bank;
providing the authorization to the terminal to cash the check of the unbanked consumer at the terminal;
processing the method as an enhanced workflow to an existing check cashing workflow associated with the terminal, wherein the enhanced workflow is initiated when the unbanked consumer selects an unbanked check cashing option through a transaction interface of the terminal causing the terminal to provide the government card information and the image; and
causing media cassettes of the terminal to store the check in a check cassette bin of the terminal and dispense currency in the amount of the check to the unbanked consumer at the terminal.