Patent ID: 8474703

Claim:
A method comprising: (a) operating an automated banking machine operable to carry out financial transactions responsive at least in part to data read from data bearing records, to receive from a user of the machine, a financial check needing a legally binding endorsement signature from the user in order to be acceptable to the machine for purposes of carrying out a transaction, wherein the machine includes at least one data reader, wherein the at least one data reader operable to read data from data bearing records, wherein the at least one data reader operable to read user data usable to identify a financial account; (b) operating the machine to receive at least one user input from the user, wherein the at least one user input indicates user agreement to have the machine use at least one visible feature of the user as a legally binding electronic signature of the user for purposes of endorsing the check; (c) operating at least one device of the machine to obtain the at least one visible feature of the user, wherein the at least one visible feature is unique to the user; and (d) subsequent to (a)-(c), operating the machine to cause the check received in (a) to be correlated with the at least one visible feature obtained in (c), wherein the at least one visible feature is a legally binding electronic signature of the user for purposes of endorsing the check for the transaction, wherein the legally binding electronic signature constitutes a legally binding endorsement signature from the user for the check, wherein the legally binding endorsement signature allows the check to be acceptable to the machine for purposes of carrying out the transaction.