Patent ID: 8616440
Filing Date: 2013-12-31
Classification: G06Q,G07F

Abstract:
1. A method, comprising: receiving a check from an unknown presenter at a modular retail teller terminal (MRTT), the unknown presenter not having a known bank account; reading a magnetic ink character recognition (MICR) line of the check; authenticating the check based on data read from the MICR line of the check and data acquired from the check through optical character recognition (OCR); populating a client management database (CMD) with the MICR line data and check writer data written on the check obtained through OCR; receiving an identification including identification data of the unknown presenter at the MRTT; authenticating an identity of the unknown presenter using the identification data; creating a bank account for the presenter; storing the identification data in the CMD such that it is associated with the bank account of the presenter; and setting a maximum withdrawal value for the bank account, the maximum withdrawal value based on a value of the check received from the presenter.