Patent ID: 8011576

Claim:
A method comprising: (a) operating a mobile phone to capture at least one image of a financial check made by a check maker while the check is in possession of the check maker, wherein the check is made payable to cash, wherein the at least one image includes check data, wherein the check data includes a check amount; (b) subsequent to (a), operating the mobile phone to send the at least one image during a request that funds corresponding to the check amount be reserved to ensure check payment; (c) subsequent to (b), operating the mobile phone to receive a message confirming receipt of the request, wherein the message includes a code corresponding to the check, wherein the code allows both a potential recipient of the check to verify that the check is payable for the check amount, a recipient of the check to anonymously cash the check without providing any machine user identification data, at an automated banking machine which includes a cash dispenser operative to cause stored cash to be dispensed, which includes at least one reader device operative to read machine user identification data provided by a machine user, and which requires that the recipient in order to cash the check without the code receive machine user authorization, which is dependent at least in part on computer-determined correspondence between machine user identification data read by the at least one reader device and user identification information stored in a data store.