Patent ID: 8630950

Claim:
A method for depositing and processing checks using a check deposit terminal (ATM) that has a reading unit to read in image data of a check, the method comprising: providing a web service over a network for depositing and processing checks, wherein the web service makes a useable functionality available to a user over a standard web protocol, the web service provides a path that describes an interface that enables the user to develop a client application that communicates with the web service, and the web service is registered so that a potential user can locate the web service; capturing the image data of the check with the reading unit of the ATM; transmitting the image data to the web service based on an open API (Application Programming Interface) without resorting to standard protocols of ATMs in the field of payment transactions; processing the image data with the web service so that the text data on the check is recognized, wherein, when calling the API, version information is transmitted to ensure that the web service is a correct web service, wherein, when a version indicated by the version information is not supported, an error is reported to the ATM, and wherein, when the error is reported, transmission is reattempted for a predetermined number of times; conducting a dialog between the web service and the ATM in which the user of the ATM confirms the recognized data from the check; booking the recognized data, wherein the recognized data is immediately booked on the basis of account information determined from a credit card by a magnetic card reader.