Abstract

An automatic banking machine operates responsive to data read from data bearing records corresponding to authorized user or financial account data. The machine includes a card reader for reading data from user cards. The automated banking machine causes financial transfers related to financial accounts that correspond to data read from user cards. The automated banking machine also includes devices that control the supply of power to included devices to avoid exceeding power supply capacity.

IPC Classes  ?

• G06K 7/00 - Methods or arrangements for sensing record carriers
• G07F 19/00 - Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
• G05B 19/414 - Structure of the control system, e.g. common controller or multiprocessor systems, interface to servo, programmable interface controller
• H02P 8/12 - Control or stabilisation of current
• H02J 7/00 - Circuit arrangements for charging or depolarising batteries or for supplying loads from batteries
• H02J 7/35 - Parallel operation in networks using both storage and other dc sources, e.g. providing buffering with light sensitive cells

Abstract

An Automated Teller Machine has a housing having an aperture through which documents may pass between the interior and the exterior of the housing. At least one escrow area is defined in the housing. A document transport system extends within the housing for the transport of documents between the aperture and the escrow area.

IPC Classes  ?

• G07F 19/00 - Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines

Abstract

In an example embodiment, a document holding cassettes that can be used in an automated banking machine that includes circuitry that is wirelessly powered through inductive coupling. The cassette can wirelessly communicate with the automated banking machine through induction.

IPC Classes  ?

• G06Q 40/00 - Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• G07F 19/00 - Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
• G07F 9/06 - Coin boxes
• G07D 11/00 - Devices accepting coins; Devices accepting, dispensing, sorting or counting valuable papers
• G06Q 20/10 - Payment architectures specially adapted for home banking systems

Abstract

Systems and methods of the invention relate to reducing a number of jams that can occur in an automated teller machine with the employment of a moveable platen that increases a width of a channel for documents. A document analysis area can receive a document via a first transport path, wherein the document analysis area can include a channel in which the document travels to enable at least one scan component to capture an image of the document. The channel is created by one or more platen. The one or more platen can be movable to increase the width of the channel so as to allow documents to pass through the document analysis area without causing a jam or error for the automated teller machine.

IPC Classes  ?

• B65H 7/02 - Controlling article feeding, separating, pile-advancing, or associated apparatus, to take account of incorrect feeding, absence of articles, or presence of faulty articles by feelers or detectors
• G07D 11/00 - Devices accepting coins; Devices accepting, dispensing, sorting or counting valuable papers
• G07F 19/00 - Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
• G06K 9/00 - Methods or arrangements for reading or recognising printed or written characters or for recognising patterns, e.g. fingerprints

Abstract

In accordance an example embodiment, there is disclosed herein a card reader having an opening allowing for card to be inserted. The card reader determines how long a card has been inserted into the card reader. If a card is inserted into the card reader for a time period greater than a predetermined time period, the card reader reads a chip on the card to obtain card data. If the card is removed from the card reader before the predetermined time period, the card reader obtains the card data from a magnetic stripe on the card.

IPC Classes  ?

• G06K 7/00 - Methods or arrangements for sensing record carriers
• G06K 7/08 - Methods or arrangements for sensing record carriers by means detecting the change of an electrostatic or magnetic field, e.g. by detecting change of capacitance between electrodes

Abstract

A banking system operates responsive to data read from data bearing records. The system includes an automated banking machine comprising a card reader. The card reader includes a movable read head that can read card data along a magnetic stripe of a card that was inserted long-edge first. The card reader includes a card entry gate. The gate is opened for a card that is determined to be properly oriented for data reading. The card reader can encrypt card data, including account data. The card data is usable by the machine to authorize a user to carry out a financial transfer involving the account.

IPC Classes  ?

• G06Q 40/00 - Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• G07D 11/00 - Devices accepting coins; Devices accepting, dispensing, sorting or counting valuable papers
• G07F 19/00 - Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
• G06K 7/08 - Methods or arrangements for sensing record carriers by means detecting the change of an electrostatic or magnetic field, e.g. by detecting change of capacitance between electrodes
• G06K 19/073 - Special arrangements for circuits, e.g. for protecting identification code in memory
• G06K 7/00 - Methods or arrangements for sensing record carriers

Abstract

A card actuated automated banking machine (152, 198, 200) includes a plurality of transaction function devices. The transaction function devices include a card reader (170), a printer (174), a bill dispenser (176), a display (182), a check imaging device (186), and at least one processor (190). The machine is operative, responsive to receiving a check and certification data, to dispense cash in exchange for the check. The person presenting the check to the machine need not provide user identifying inputs through input devices of the machine in order to receive cash for the check. Furthermore, prior to accepting the check as a payment, the person can communicate with at least one computer (204) through at least one consumer interface device (208) to verify that the check is payable for the check amount.

IPC Classes  ?

• G07F 19/00 - Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
• G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
• G06Q 20/04 - Payment circuits
• G06Q 20/10 - Payment architectures specially adapted for home banking systems
• G06Q 40/00 - Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• G07F 7/04 - Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by paper currency
• G06K 9/00 - Methods or arrangements for reading or recognising printed or written characters or for recognising patterns, e.g. fingerprints
• G06K 9/18 - Methods or arrangements for reading or recognising printed or written characters or for recognising patterns, e.g. fingerprints using printed characters having additional code marks or containing code marks, e.g. the character being composed of individual strokes of different shape, each representing a different code value
• G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists

Abstract

A banking system is controlled responsive to data read from data bearing records. The system comprises an automated banking machine. The machine includes at least one type of data reader, which includes a card reader. The machine also includes an anti-fraud arrangement that can deter effective operation of unauthorized devices attached to the machine. Such unauthorized devices may include a fraudulent card reader placed adjacent to a card entry slot that leads to the card reader. The arrangement can sense a fraudulent card reader installed on the machine. The arrangement can additionally emit jamming signals that interfere with an ability of a sensed fraudulent card reader to accurately read card data.

IPC Classes  ?

• G06K 7/04 - Methods or arrangements for sensing record carriers by mechanical means, e.g. by pins operating electric contacts
• H04K 3/00 - Jamming of communication; Counter-measures
• G06K 7/08 - Methods or arrangements for sensing record carriers by means detecting the change of an electrostatic or magnetic field, e.g. by detecting change of capacitance between electrodes

Abstract

In an example embodiment, an automated banking machine operable to perform cash withdrawals. If a withdrawal is below a threshold, authorization is obtained from a first transaction authorization computer. If a withdrawal is greater than or equal to the threshold, a first portion of the cash is dispensed responsive to authorization from a first transaction authorization computer and a second portion of the cash amount is dispensed responsive to authorization from a second transaction authorization computer.

IPC Classes  ?

• G06Q 40/00 - Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• G07F 19/00 - Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
• G06Q 20/10 - Payment architectures specially adapted for home banking systems

Abstract

An automated banking machine that includes a check acceptor that is operative to receive checks from authorized machine users. The check acceptor is operable to continuously move a received check along its transport path while simultaneously rotationally orienting the check into alignment with the transport path. A check determined not to have at least one property of an acceptable check is returned to the machine user. Acceptable checks are processed and stored in the machine.

IPC Classes  ?

• G06Q 40/00 - Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• G07D 11/00 - Devices accepting coins; Devices accepting, dispensing, sorting or counting valuable papers
• G07F 19/00 - Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
• G06Q 20/10 - Payment architectures specially adapted for home banking systems

Abstract

A banking system that utilizes metrics in acquiring and processing event data related to financial transaction activity at a plurality of automated banking machines. Automated banking machine include sensors able to detect event data during a transaction. The event data can include transaction data related to the type of transaction, time analysis data related to duration of the transaction, and operational data related to machine components used in carrying out the transaction. The event data for automated banking machines can be obtained, analyzed, and stored. Statistical averages associated with the banking system machines can be determined in real time. The averages allow a respective machine to be compared to other machines with respect to operational efficiency. An alert can be issued concerning a statistical anomaly regarding the respective machine.

IPC Classes  ?

• G06Q 40/00 - Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• G06Q 20/04 - Payment circuits
• G07F 19/00 - Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
• G07G 1/01 - Cash registers - Details for indicating
• G07F 9/02 - Devices for alarm or indication, e.g. when empty; Advertising arrangements in coin-freed apparatus
• G06F 3/0482 - Interaction with lists of selectable items, e.g. menus
• G06Q 20/10 - Payment architectures specially adapted for home banking systems

Abstract

An Automated Transaction Machine (ATM) includes a housing with a lower unit and an upper unit including a main portion having a top panel and a display housing extending above the top panel. A display is disposed within the display housing. A control electronics package is disposed in the display housing and including a processor and a plurality of input/output ports.

IPC Classes  ?

• G06Q 40/00 - Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• G07F 19/00 - Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
• G06F 1/16 - Constructional details or arrangements

Abstract

An apparatus that operates to cause financial transfers responsive to data read from data bearing records, includes at least one processor that is in operative connection with a card reader, a check acceptor, a cash dispenser and a display. The at least one processor causes the machine to operate to read card data from a user card, and to cause a determination to be made that the read card data corresponds to an authorized financial account. The at least one processor is operative to cause data to be read from a check and/or cash to be dispensed, and a financial transfer to or from the account corresponding to the value thereof. Machine instructions are output and user transaction inputs can be received through either a primary or an auxiliary touch screen display.

IPC Classes  ?

• G06F 17/00 - Digital computing or data processing equipment or methods, specially adapted for specific functions
• G06Q 40/02 - Banking, e.g. interest calculation or account maintenance

Abstract

An apparatus that operates to cause financial transfers responsive to data read from data bearing records, includes at least one processor that is in operative connection with a card reader, a check acceptor, a cash dispenser and a display. The at least one processor causes the machine to operate to read card data from a user card, and to cause a determination to be made that the read card data corresponds to an authorized financial account. The at least one processor is operative to cause data to be read from a check and/or cash to be dispensed, and a financial transfer to or from the account corresponding to the value thereof. Machine instructions are output and user transaction inputs can be received through either a primary or an auxiliary touch screen display.

IPC Classes  ?

• G06Q 40/00 - Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• G07F 19/00 - Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines

Abstract

An automated banking machine operates responsive to data read from data bearing records corresponding to authorized user or financial account data. The automated banking machine includes a card reader for reading data from user cards. The automated banking machine causes financial transfers related to financial accounts that correspond to data read from user cards. The automated banking machine also includes devices that control the supply of power to transaction function devices such as the card reader to avoid exceeding power supply capacity.

IPC Classes  ?

• G06F 17/00 - Digital computing or data processing equipment or methods, specially adapted for specific functions
• G06F 1/00 - ELECTRIC DIGITAL DATA PROCESSING - Details not covered by groups and
• G06K 5/00 - Methods or arrangements for verifying the correctness of markings on a record carrier; Column-detection devices
• G06Q 40/00 - Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• G06Q 20/10 - Payment architectures specially adapted for home banking systems
• G07F 19/00 - Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines

Abstract

An apparatus that operates to cause financial transfers responsive to data read from data bearing records, includes at least one processor that is in operative connection with a card reader, a check acceptor, a cash dispenser and a display. The at least one processor causes the machine to operate to read card data from a user card, and to cause a determination to be made that the read card data corresponds to an authorized financial account. The at least one processor is operative to cause data to be read from a check and/or cash to be dispensed, and a financial transfer to or from the account corresponding to the value thereof. Machine instructions are output and user transaction inputs can be received through either a primary or an auxiliary touch screen display.

IPC Classes  ?

• G06F 17/00 - Digital computing or data processing equipment or methods, specially adapted for specific functions
• G07F 19/00 - Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines

Abstract

An automated banking machine is part of a banking system that can operate to cause financial transfers responsive to data read from data bearing records. The machine can also receive user card data from a cell phone, including an electronic account number. The phone's banking application encrypts the account number along with an inputted random number which was generated by the machine. The phone then displays a bar code image containing the encrypted data. The machine includes a bar code reader. The random number is used to verify the current transaction session. Thereafter, normal transaction flow can follow, including PIN input. The process allows for secure input of card data without physical insertion of a card. Thus, fraudulent activities based on card insertion can be reduced.

IPC Classes  ?

• G06Q 40/00 - Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• G07F 19/00 - Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
• G06K 7/00 - Methods or arrangements for sensing record carriers
• G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
• G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
• G06Q 20/38 - Payment architectures, schemes or protocols - Details thereof
• G07F 7/10 - Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card together with a coded signal
• G06Q 20/10 - Payment architectures specially adapted for home banking systems

Abstract

An apparatus that operates to cause financial transfers responsive to data read from data bearing records, includes at least one processor that is in operative connection with a card reader, a check acceptor, a cash dispenser and a display. The at least one processor causes the machine to operate to read card data from a user card, and to cause a determination to be made that the read card data corresponds to an authorized financial account. The at least one processor is operative to cause data to be read from a check and/or cash to be dispensed, and a financial transfer to or from the account corresponding to the value thereof. A secure chest portion of the machine is accessible responsive to servicer input through an input device of the machine.

IPC Classes  ?

• G06F 17/00 - Digital computing or data processing equipment or methods, specially adapted for specific functions
• G07F 19/00 - Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines

Abstract

A card actuated automated banking machine (152, 198, 200) includes a plurality of transaction function devices. The transaction function devices include a card reader (170), a printer (174), a bill dispenser (176), a display (182), a check imaging device (186), and at least one processor (190). The machine is operative, responsive to receiving a check and certification data, to dispense cash in exchange for the check. The person presenting the check to the machine need not provide user identifying inputs through input devices of the machine in order to receive cash for the check. Furthermore, prior to accepting the check as a payment, the person can communicate with at least one computer (204) through at least one consumer interface device (208) to verify that the check is payable for the check amount.

IPC Classes  ?

• G07F 19/00 - Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
• G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
• G06Q 20/04 - Payment circuits
• G06Q 20/10 - Payment architectures specially adapted for home banking systems
• G06Q 40/00 - Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• G07F 7/04 - Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by paper currency
• G06K 9/00 - Methods or arrangements for reading or recognising printed or written characters or for recognising patterns, e.g. fingerprints
• G06K 9/18 - Methods or arrangements for reading or recognising printed or written characters or for recognising patterns, e.g. fingerprints using printed characters having additional code marks or containing code marks, e.g. the character being composed of individual strokes of different shape, each representing a different code value
• G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists

Abstract

A banking system operates responsive to data read from data bearing records. The system includes an automated banking machine comprising a card reader. The card reader includes a movable read head that can read card data along a magnetic stripe of a card that was inserted long-edge first. The card reader includes a card entry gate. The gate is opened for a card that is determined to be properly oriented for data reading. The card reader can encrypt card data, including account data. The card data is usable by the machine to authorize a user to carry out a financial transfer involving the account.

IPC Classes  ?

• G06Q 40/00 - Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• G07D 11/00 - Devices accepting coins; Devices accepting, dispensing, sorting or counting valuable papers
• G07F 19/00 - Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
• G06K 7/08 - Methods or arrangements for sensing record carriers by means detecting the change of an electrostatic or magnetic field, e.g. by detecting change of capacitance between electrodes

Abstract

A banking system is controlled responsive to data read from data bearing records. The banking system includes an automated banking machine. The machine is operable to carry out a financial transaction for a person responsive to a determination that the person is an authorized user of the machine based on correspondence between identifying data read by a reader of the machine and data store information. The machine includes a check acceptor that is operative to receive checks from authorized machine users. The check acceptor is operable to continuously move a received check along its transport path while simultaneously rotationally orienting the check into alignment with the transport path. A check determined not to have at least one property of an acceptable check is returned to the machine user. Acceptable checks are processed and stored in the machine.

IPC Classes  ?

• G06Q 40/00 - Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• G07D 11/00 - Devices accepting coins; Devices accepting, dispensing, sorting or counting valuable papers
• G07F 19/00 - Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
• G06Q 20/04 - Payment circuits
• G07F 7/04 - Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by paper currency
• G06Q 20/10 - Payment architectures specially adapted for home banking systems

Abstract

A deposit management system is operable responsive to data read from data bearing records. The system is associated with financial funds depositories. Each depository can accept items, such as deposit bags. Each depository includes a bar code reader that can read data from a bar code label that is located on a deposit bag. The system allows merchants to preregister a deposit before performing the deposit. A preregistered deposit is linked with a deposit identifier in a data store. The deposit identifier can be represented in a bar code. If the system determines that a depository read a bar code having a deposit identifier that corresponds in the data store to a preregistered deposit, then that depository is operated to automatically unlock its deposit entry door to permit the deposit. The system also allows merchants to review their deposit history.

IPC Classes  ?

• G07D 11/00 - Devices accepting coins; Devices accepting, dispensing, sorting or counting valuable papers
• G07F 19/00 - Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines

Abstract

In an example embodiment, an automated banking machine that includes a computer, a camera, a display and an audio output device and is operative to cause visual outputs through the display and audio outputs through the audio output device, which correspond to a simulated person. The camera is in operative connection with the computer, and provides camera data to the computer. The computer is responsive at least in part to the camera data to cause eyes of the output simulated person to be directed toward the eyes of the machine user.

IPC Classes  ?

• G06Q 40/00 - Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• G07D 11/00 - Devices accepting coins; Devices accepting, dispensing, sorting or counting valuable papers
• G07F 19/00 - Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines

Abstract

An automated banking machine is operated at least in part to data read from data bearing records. The machine is operative to carry out a financial transfer responsive at least in part to a determination that data read through a card reader of the machine corresponds to a financial account that is authorized to conduct a transaction through operation of the machine. The machine also includes a check acceptor operative to receive checks from machine users. The check acceptor is operative image checks and data resolved from check images is used in operation of the machine to cause financial transfers.

IPC Classes  ?

• G06Q 20/10 - Payment architectures specially adapted for home banking systems
• G07D 11/00 - Devices accepting coins; Devices accepting, dispensing, sorting or counting valuable papers
• G07F 19/00 - Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
• G06Q 20/04 - Payment circuits

Abstract

An apparatus that operates to cause financial transfers responsive to data read from data bearing records includes at least one processor that is in operative connection with a card reader and a touch screen display. The at least one processor causes the machine to operate to read card data from a user card, and to cause a determination that the read card data corresponds to an authorized financial account. Data corresponding to a user input character is resolved by the at least one processor responsive to contact with the touch screen display input surface, which may not include any visible output indicia that corresponds to the input character.

IPC Classes  ?

• G06Q 40/00 - Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• G07F 19/00 - Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines

Abstract

A banking system is controlled responsive, at least in part, to data read from data bearing records. The banking system includes an automated banking machine. The machine is operable to carry out a financial transaction responsive to a determination that data read from a data bearing record, such as a card that is read by a card reader in the machine, corresponds to stored information for an authorized user or financial account. The machine is operable to receive and dispense documents. The machine includes a check acceptor that is operative to receive checks and a cash dispenser that is operative to dispense cash. Document holding cassettes in the machine include circuitry that is wirelessly powered through inductive coupling. The machine can wirelessly read data from a cassette through use of induction.

IPC Classes  ?

• G07F 19/00 - Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
• G06Q 20/04 - Payment circuits
• G07F 7/08 - Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card
• G06K 19/073 - Special arrangements for circuits, e.g. for protecting identification code in memory
• G06K 19/077 - Constructional details, e.g. mounting of circuits in the carrier
• G07D 11/00 - Devices accepting coins; Devices accepting, dispensing, sorting or counting valuable papers

Abstract

An apparatus that operates to cause financial transfers responsive to data read from data bearing records includes at least one processor that is in operative connection with a card reader, a check acceptor, a cash dispenser and a touch screen display. The processor causes the machine to operate to read card data from a user card, and to cause a determination to be made that the read card data corresponds to an authorized financial account. The at least one processor is operative to cause data to be read from a check and/or cash to be dispensed, and a financial transfer to or from the account corresponding to the value thereof. Data corresponding to a user input alphanumeric characters is resolved by the processor responsive to contact with an input surface of the touch screen display. The area of contact may not include any visible output indicia that corresponds to the possible input characters prior to contact.

IPC Classes  ?

• G06Q 40/00 - Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• G07F 19/00 - Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
• G06Q 40/02 - Banking, e.g. interest calculation or account maintenance
• G06F 3/041 - Digitisers, e.g. for touch screens or touch pads, characterised by the transducing means
• G07D 7/00 - Testing specially adapted to determine the identity or genuineness of valuable papers or for segregating those which are unacceptable, e.g. banknotes that are alien to a currency

Abstract

An automated banking machine is part of a banking system that can operate to cause financial transfers responsive to data read from data bearing records. The machine can also receive user card data from a cell phone, including an electronic account number. The phone's banking application encrypts the account number along with an inputted random number which was generated by the machine. The phone then displays a bar code image containing the encrypted data. The machine includes a bar code reader. The random number is used to verify the current transaction session. Thereafter, normal transaction flow can follow, including PIN input. The process allows for secure input of card data without physical insertion of a card. Thus, fraudulent activities based on card insertion can be reduced.

IPC Classes  ?

• G06Q 40/00 - Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• G07F 19/00 - Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
• G06Q 20/10 - Payment architectures specially adapted for home banking systems

Abstract

An automated banking machine is operated at least in part to data read from data bearing records. The machine is operative to carry out a financial transfer responsive at least in part to a determination that data read through a card reader of the machine corresponds to a financial account that is authorized to conduct a transaction through operation of the machine. The machine also includes a check acceptor operative to receive checks from machine users. The check acceptor is operative image checks and data resolved from check images is used in operation of the machine to cause financial transfers.

IPC Classes  ?

• G06Q 40/00 - Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• G07D 11/00 - Devices accepting coins; Devices accepting, dispensing, sorting or counting valuable papers
• G07F 19/00 - Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
• G06K 9/00 - Methods or arrangements for reading or recognising printed or written characters or for recognising patterns, e.g. fingerprints
• G06Q 20/10 - Payment architectures specially adapted for home banking systems

Abstract

An automated banking machine that includes a check acceptor that is operative to receive checks from authorized machine users. The check acceptor is operable to continuously move a received check along its transport path while simultaneously rotationally orienting the check into alignment with the transport path. A check determined not to have at least one property of an acceptable check is returned to the machine user. Acceptable checks are processed and stored in the machine.

IPC Classes  ?

• G06F 19/00 - Digital computing or data processing equipment or methods, specially adapted for specific applications (specially adapted for specific functions G06F 17/00;data processing systems or methods specially adapted for administrative, commercial, financial, managerial, supervisory or forecasting purposes G06Q;healthcare informatics G16H)
• G06Q 40/00 - Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• G07D 11/00 - Devices accepting coins; Devices accepting, dispensing, sorting or counting valuable papers
• G07F 19/00 - Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
• G06Q 20/10 - Payment architectures specially adapted for home banking systems

Abstract

An automated banking machine controlled responsive to data bearing records includes a card reader that reads identifying data from a user card. A host banking system authorizes operation of an automated banking machine responsive to computer verification of the identifying data. The automated banking machine can dispense cash to an authorized machine user in a cash dispensing transaction, and have the user's bank account charged for the cash amount dispensed. The automated banking machine can acquire image and magnetic data read from deposited checks to determine the genuineness of checks and the authority of a user to receive cash for the checks. Cash can be dispensed from the machine to a user in exchange for a deposited check.

IPC Classes  ?

• G07F 19/00 - Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
• G06Q 40/02 - Banking, e.g. interest calculation or account maintenance
• H04N 1/56 - Processing of colour picture signals
• G07D 7/12 - Visible light, infrared or ultraviolet radiation
• G07D 7/20 - Testing patterns thereon
• G07D 7/00 - Testing specially adapted to determine the identity or genuineness of valuable papers or for segregating those which are unacceptable, e.g. banknotes that are alien to a currency

Abstract

An automated banking machine operates responsive to data read from data bearing records corresponding to authorized user or financial account data. The automated banking machine includes a card reader for reading data from user cards. The automated banking machine causes financial transfers related to financial accounts that correspond to data read from user cards. The automated banking machine also includes devices that control the supply of power to transaction function devices such as the card reader to avoid exceeding power supply capacity.

IPC Classes  ?

• G06F 17/00 - Digital computing or data processing equipment or methods, specially adapted for specific functions
• G06K 1/00 - Methods or arrangements for marking the record carrier in digital fashion
• G06K 5/00 - Methods or arrangements for verifying the correctness of markings on a record carrier; Column-detection devices
• G06Q 40/00 - Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• G07F 19/00 - Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
• G06F 1/32 - Means for saving power
• G06Q 20/10 - Payment architectures specially adapted for home banking systems

Abstract

An apparatus that operates to cause financial transfers responsive to data read from data bearing records, includes at least one processor that is in operative connection with a card reader, a check acceptor, a cash dispenser and the display. The at least one processor causes the machine to operate to read card data from a user card, and to cause a determination to be made that the read card data corresponds to an authorized financial account. The at least one processor is operative to cause data to be read from a check and/or cash to be dispensed, and a financial transfer to or from the account corresponding to the value thereof. Unauthorized observation of manual inputs to an input device is prevented through the use of nonvisible light emitters that prevent the observation of such inputs via an electronic camera interception device.

IPC Classes  ?

• G06Q 40/00 - Finance; Insurance; Tax strategies; Processing of corporate or income taxes

Abstract

An apparatus that operates to cause financial transfers responsive to data read from data bearing records, includes at least one processor that is in operative connection with a card reader, a check acceptor, a cash dispenser and the display. The at least one processor causes the machine to operate to read card data from a user card, and to cause a determination to be made that the read card data corresponds to an authorized financial account. The at least one processor is operative to cause data to be read from a check and/or cash to be dispensed, and a financial transfer to or from the account corresponding to the value thereof. Unauthorized observation of manual inputs to an input device is prevented through the use of nonvisible light emitters that prevent the observation of such inputs via an electronic camera interception device.

IPC Classes  ?

• G06Q 40/00 - Finance; Insurance; Tax strategies; Processing of corporate or income taxes

Abstract

A card actuated automated banking machine (152, 198, 200) includes a plurality of transaction function devices. The transaction function devices include a card reader (170), a printer (174), a bill dispenser (176), a display (182), a check imaging device (186), and at least one processor (190). The machine is operative, responsive to receiving a check and certification data, to dispense cash in exchange for the check. The person presenting the check to the machine need not provide user identifying inputs through input devices of the machine in order to receive cash for the check. Furthermore, prior to accepting the check as a payment, the person can communicate with at least one computer (204) through at least one consumer interface device (208) to verify that the check is payable for the check amount.

IPC Classes  ?

• G07F 19/00 - Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
• G06Q 20/04 - Payment circuits
• G07F 7/04 - Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by paper currency
• G06Q 20/10 - Payment architectures specially adapted for home banking systems
• G06Q 40/00 - Finance; Insurance; Tax strategies; Processing of corporate or income taxes

Abstract

An automated banking machine operates responsive at least in part to data read from data bearing records. The automated banking machine operates to read card data from user cards and to cause a determination to be made that the read data corresponds to at least one of a user and account that is authorized to operate the machine. The machine operates responsive at least in part to the determination to perform a transaction function and to cause the account to be assessed an amount corresponding to the transaction function. The machine includes a housing including a currency holding area, and operates to generate signals responsive to unauthorized access to the currency holding area.

IPC Classes  ?

• G06K 19/00 - Record carriers for use with machines and with at least a part designed to carry digital markings
• G07F 19/00 - Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
• G08B 3/10 - Audible signalling systems; Audible personal calling systems using electromagnetic transmission

Abstract

An apparatus that operates to cause financial transfers responsive to data read from data bearing records, includes a processor that is in operative connection with a card reader and a touch screen display. The processor can cause the card reader to read card data from a user card, and can determine whether the read card data corresponds to an authorized financial account. Without the touch screen display surface visibly providing indicia that corresponds to a desired character, the user can still input the character through user contact with the touch screen display surface. The processor can resolve the desired character from the user contact.

IPC Classes  ?

• G06F 17/00 - Digital computing or data processing equipment or methods, specially adapted for specific functions

Abstract

In an example embodiment, an automated banking machine that includes an anti-fraud arrangement that can deter effective operation of unauthorized devices attached to the machine. The arrangement allows for the machine's card slot bezel to be frequently exchanged for a differently configured card slot bezel, where the bezel configuration is displayed to a potential user.

IPC Classes  ?

• G06F 21/00 - Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
• G06Q 10/06 - Resources, workflows, human or project management; Enterprise or organisation planning; Enterprise or organisation modelling
• G07F 19/00 - Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines

Abstract

A banking system is controlled responsive, at least in part, to data read from data bearing records. The banking system includes an automated banking machine. The machine is operable to carry out a financial transaction responsive to a determination that data read from a data bearing record, such as a card that is read by a card reader in the machine, corresponds to stored information for an authorized user or financial account. The machine is operable to receive and dispense documents. The machine includes a check acceptor that is operative to receive checks and a cash dispenser that is operative to dispense cash. Document holding cassettes in the machine include circuitry that is wirelessly powered through inductive coupling. The machine can wirelessly read data from a cassette through use of induction.

IPC Classes  ?

• G07F 19/00 - Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines

Abstract

An automated banking machine operated responsive to data bearing records includes a card reader that is operative to read data from user cards including financial account identifying data, and to cause financial transfers responsive to the card data. The automated banking machine includes a sheet accepting device. The sheet accepting device is operative to receive a stack of sheets and to separate each sheet from the stack. Each sheet is aligned with a sheet path and analyzed by analysis devices including at least one magnetic read head, an imager, and/or a validation device. Sheets determined to have at least one property of a genuine sheet are processed and stored in the machine.

IPC Classes  ?

• G06Q 40/00 - Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• G07D 11/00 - Devices accepting coins; Devices accepting, dispensing, sorting or counting valuable papers
• G07F 19/00 - Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
• G07D 7/08 - Acoustic waves
• G06Q 40/02 - Banking, e.g. interest calculation or account maintenance
• G07D 7/00 - Testing specially adapted to determine the identity or genuineness of valuable papers or for segregating those which are unacceptable, e.g. banknotes that are alien to a currency

Abstract

An automated banking machine is operable to cause financial transfers responsive to data read from data bearing records. The machine includes a card reader that can read from cards, user data that corresponds to financial accounts. The machine can operate responsive to the read card data to carry out transactions that transfer and/or allocate funds between accounts. The machine can provide a transaction receipt. The machine includes a cash dispenser to dispense cash to machine users. Value of dispensed cash can be assessed to an account which corresponds to read card data. The machine also includes a check acceptor device that can receive checks from users. The machine can image a received check and then read check data from the check image. An account determined from read card data can be credited the amount of the check.

IPC Classes  ?

• G07F 19/00 - Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines

Abstract

In an example embodiment, a mounting structure for mounting a display monitor to a panel. The mounting allows the display monitor to be rotated so that it can be seen from either side of the panel.

IPC Classes  ?

• E04G 3/00 - Scaffolds essentially supported by building constructions, e.g. adjustable in height
• F16M 11/10 - Means for attachment of apparatus; Means allowing adjustment of the apparatus relatively to the stand allowing pivoting around a horizontal axis
• F16M 11/20 - Undercarriages with or without wheels
• F16M 13/02 - Other supports for positioning apparatus or articles; Means for steadying hand-held apparatus or articles for supporting on, or attaching to, an object, e.g. tree, gate, window-frame, cycle
• G07F 19/00 - Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines

Abstract

An automated banking machine operative to cause financial transfers responsive to data read from data bearing records. The automated banking machine includes a card reader that is operative to read card data from user cards corresponding to financial accounts. The automated banking machine is operative responsive to the card data to carry out transactions that transfer and/or allocate funds between accounts. The automated banking machine is further operative to provide users with a receipt for transactions conducted. The automated banking machine includes a cash dispenser operative to dispense cash to machine users and to cause the value of cash to be assessed to financial accounts corresponding to card data. The automated banking machine is further operative to receive currency bills or other sheets from a user and to process and store such sheets through operation of a currency accepting device. The account corresponding to card data may be credited for the value of bills or other sheets received.

IPC Classes  ?

• G06Q 40/00 - Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• G07F 19/00 - Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
• G06Q 20/10 - Payment architectures specially adapted for home banking systems
• G06Q 40/02 - Banking, e.g. interest calculation or account maintenance
• G07G 5/00 - Receipt-giving machines
• B65H 7/02 - Controlling article feeding, separating, pile-advancing, or associated apparatus, to take account of incorrect feeding, absence of articles, or presence of faulty articles by feelers or detectors
• B65H 7/20 - Controlling associated apparatus
• B65H 29/20 - Delivering or advancing articles from machines; Advancing articles to or into piles by contact with rotating friction members, e.g. rollers, brushes, or cylinders

Abstract

In an example embodiment, an automated banking machine that is operable to detect signals corresponding to a plurality of service activities carried out on a transaction function device. Data representative of the plurality of service activities is stored in the transaction function device's data store.

IPC Classes  ?

• G07F 19/00 - Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
• G06Q 10/00 - Administration; Management

Abstract

In an example embodiment, an automated banking machine that operates responsive at least in part to data read from data bearing records. The automated banking machine including a transaction function device, a slot associated with the transaction function device, an indicator adjacent to the slot, the indicator includes at least three different color light emitting diodes (LEDs), and an indicator processor in operative connection with the indicator. The indicator processor is operable to cause the LEDs of the indicator to intermittently illuminate to produce a plurality of blended colors that correspond to a functional status of the transaction function device.

IPC Classes  ?

• G06Q 40/00 - Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• G07F 19/00 - Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
• G06Q 10/00 - Administration; Management

Abstract

An apparatus operates to cause financial transfers responsive to data read from data bearing records. The apparatus includes a card reader that is operative to read card data from a user card. At least one computer in operative connection with the card reader is operative to cause a determination to be made that the read card data corresponds to an authorized financial account. The at least one computer is operative to cause a financial transfer to or from the account responsive to the determination and user inputs to at least one input device of the machine. The automated banking machine includes a housing. The housing is at least partially surrounded by an enclosure that operates to protect the housing and machine from environmental conditions.

IPC Classes  ?

• G07F 19/00 - Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines

Abstract

An automated banking machine operates responsive at least in part to data read from data bearing records. The automated banking machine operates to read card data from user cards and to cause a determination to be made that the read data corresponds to at least one of a user and account that is authorized to operate the machine. The machine operates responsive at least in part to the determination to perform a transaction function and to cause the account to be assessed an amount corresponding to the transaction function. The machine includes a housing including a currency holding area, and operates to generate signals responsive to unauthorized access to the currency holding area.

IPC Classes  ?

• G06K 7/00 - Methods or arrangements for sensing record carriers
• G07F 19/00 - Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines

Abstract

In an example embodiment, a document holding cassettes that can be used in an automated banking machine that includes circuitry that is wirelessly powered through inductive coupling. The cassette can wirelessly communicate with the automated banking machine through induction.

IPC Classes  ?

• G06Q 40/00 - Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• G07F 19/00 - Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
• G07F 9/06 - Coin boxes
• G07D 11/00 - Devices accepting coins; Devices accepting, dispensing, sorting or counting valuable papers

Abstract

In an example embodiment, there is disclosed herein a picker that is operable to separate an individual sheet from a stack of sheets. The picker has a first rotatable picker member that includes a first high friction peripheral arcuate segment, where the first picker member is rotatable about an axis, a second rotatable member that includes a second high friction peripheral arcuate segment, wherein the second picker member is rotatable about the axis, and a drive in operative connection with the first and second rotatable picker members. The stack includes a bounding sheet having a sheet face bounding a side of the stack. The first and second arcuate segments are operable to concurrently engage the sheet face. The first and second picker members are operable to be separately rotationally movable about the axis responsive to operation of the drive.

IPC Classes  ?

• G06Q 40/00 - Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• G07D 11/00 - Devices accepting coins; Devices accepting, dispensing, sorting or counting valuable papers
• B65H 3/06 - Rollers or like rotary separators
• G07F 19/00 - Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
• B65H 7/20 - Controlling associated apparatus
• B65H 7/12 - Controlling article feeding, separating, pile-advancing, or associated apparatus, to take account of incorrect feeding, absence of articles, or presence of faulty articles by feelers or detectors responsive to presence of faulty articles or incorrect separation or feed responsive to double feed or separation
• B65H 3/02 - Separating articles from piles using friction forces between articles and separator
• B65H 3/52 - Friction retainers acting on under or rear side of article being separated
• B65H 5/06 - Feeding articles separated from piles; Feeding articles to machines by rollers
• B65H 7/08 - Controlling article feeding, separating, pile-advancing, or associated apparatus, to take account of incorrect feeding, absence of articles, or presence of faulty articles by feelers or detectors responsive to presence of faulty articles or incorrect separation or feed responsive to incorrect front register
• B65H 9/00 - Registering, e.g. orientating, articles; Devices therefor
• B65H 83/00 - Combinations of piling and depiling operations, e.g. performed simultaneously, of interest apart from the single operation of piling or depiling
• B65H 29/14 - Delivering or advancing articles from machines; Advancing articles to or into piles by means of the nip between two, or between two sets of, moving tapes or bands and introducing into a pile
• B65H 31/02 - Pile receivers with stationary end support against which pile accumulates
• B65H 83/02 - Combinations of piling and depiling operations, e.g. performed simultaneously, of interest apart from the single operation of piling or depiling performed on the same pile
• B65H 29/60 - Article switches or diverters diverting the stream into alternative paths

Abstract

A card actuated automated banking machine (10) is operative to early out financial transactions responsive to data included on user cards. The banking machine includes a user interface (15) including a display (24). The user interface includes a card reader (16) which is operative to read data on user cards which identify at least one of user and a user's financial accounts. A fascia of the machine includes a keypad (404, 438, 458) through which users input confidential data. Covers (400, 422, 430) prevent unauthorized persons from viewing confidential inputs to the keypad. Authorization signals assure that the display is operating in a manner that provides appropriate user instructions. A visual indicator is operative to indicate to a user that keypad inputs are being encrypted. Alternatively a touch screen display module (608) is operative to securely receive manual inputs and/or card data.

IPC Classes  ?

• G06K 5/00 - Methods or arrangements for verifying the correctness of markings on a record carrier; Column-detection devices

Abstract

In accordance with an example embodiment, there is disclosed herein an externally accessible headphone jack that is suitable for use with an automated banking machine such as an ATM. The headphone jack is configured to be releasably, electrically connectable to portable audio output devices. The headphone jack includes an opening external of the machine that is configured to receive electrical connector plugs therein. A jack housing is located within the automated banking machine, wherein the jack housing extends below the opening and bounds an interior area, wherein the interior area houses at least one electrical contact configured for releasable electrical connection with electrical connector plugs. The jack housing includes a drain opening therein below the at least one electrical contact that is configured to drain water from the interior area of the jack housing.

IPC Classes  ?

• G06K 5/00 - Methods or arrangements for verifying the correctness of markings on a record carrier; Column-detection devices
• G07F 19/00 - Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
• G09B 21/00 - Teaching, or communicating with, the blind, deaf or mute

Abstract

A banking system is controlled responsive to data read from data bearing records. The banking system includes an automated banking machine. The machine is operable to carry out a financial transaction for a person responsive to a determination that the person is an authorized user of the machine based on correspondence between identifying data read by a reader of the machine and data store information. The machine includes a check acceptor that is operative to receive checks from authorized machine users. The check acceptor is operable to continuously move a received check along its transport path while simultaneously rotationally orienting the check into alignment with the transport path. A check determined not to have at least one property of an acceptable check is returned to the machine user. Acceptable checks are processed and stored in the machine.

IPC Classes  ?

• G06Q 40/00 - Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• G07D 11/00 - Devices accepting coins; Devices accepting, dispensing, sorting or counting valuable papers
• G06F 19/00 - Digital computing or data processing equipment or methods, specially adapted for specific applications (specially adapted for specific functions G06F 17/00;data processing systems or methods specially adapted for administrative, commercial, financial, managerial, supervisory or forecasting purposes G06Q;healthcare informatics G16H)
• G07F 19/00 - Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
• G06Q 20/04 - Payment circuits

Abstract

A banking system operates responsive to data read from data bearing records. The system includes an automated banking machine comprising a card reader. The card reader includes a movable read head that can read card data along a magnetic stripe of a card that was inserted long-edge first. The card reader includes a card entry gate. The gate is opened for a card that is determined to be properly oriented for data reading. The card reader can encrypt card data, including account data. The card data is usable by the machine to authorize a user to carry out a financial transfer involving the account.

IPC Classes  ?

• G07F 19/00 - Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
• G07D 11/00 - Devices accepting coins; Devices accepting, dispensing, sorting or counting valuable papers
• G06Q 40/00 - Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• G06K 7/08 - Methods or arrangements for sensing record carriers by means detecting the change of an electrostatic or magnetic field, e.g. by detecting change of capacitance between electrodes
• G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices

Abstract

A card actuated automated banking machine (152, 198, 200) includes a plurality of transaction function devices. The transaction function devices include a card reader (170), a printer (174), a bill dispenser (176), a display (182), a check imaging device (186), and at least one processor (190). The machine is operative, responsive to receiving a check and certification data, to dispense cash in exchange for the check. The person presenting the check to the machine need not provide user identifying inputs through input devices of the machine in order to receive cash for the check. Furthermore, prior to accepting the check as a payment, the person can communicate with at least one computer (204) through at least one consumer interface device (208) to verify that the check is payable for the check amount.

IPC Classes  ?

• G07F 19/00 - Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines

Abstract

An automated banking machine can cause financial transfers responsive to data read from data bearing records. The machine includes a card reader that can read from user cards, card data that corresponds to financial accounts. The machine can operate responsive to the read card data to carry out transactions that transfer and/or allocate funds between accounts. The machine can provide users a transaction receipt. The machine includes a cash dispenser that can dispense cash to machine users. Value of dispensed cash can be assessed to an account which corresponds to the read card data. The machine also includes an accepting device that can receive currency bills and/or checks from users. An account that corresponds to the read card data can be credited for the value of received bills and/or checks.

IPC Classes  ?

• G06K 5/00 - Methods or arrangements for verifying the correctness of markings on a record carrier; Column-detection devices
• G06F 17/00 - Digital computing or data processing equipment or methods, specially adapted for specific functions
• G06Q 40/00 - Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• G06F 19/00 - Digital computing or data processing equipment or methods, specially adapted for specific applications (specially adapted for specific functions G06F 17/00;data processing systems or methods specially adapted for administrative, commercial, financial, managerial, supervisory or forecasting purposes G06Q;healthcare informatics G16H)
• B65H 43/00 - Use of control, checking, or safety devices, e.g. automatic devices comprising an element for sensing a variable

Abstract

In an example embodiment, a router that is configured to pass a pneumatic carrier therethrough and comprises a solid continuous curved tube, a tube rotational support, and a drive. The tube includes a first open end and a second open end opposed of the first open end. The tube rotational support is in operative supporting connection with the tube and enables the tube to rotate about an axis. The first open end is generally aligned with the first opening. In a first rotational position of the tube, the second open end is generally aligned with a first of the plurality of second openings. In a second rotational position of the tube, the second open end is generally aligned with a second of the plurality of second openings. The drive is operative to cause the tube to move between the first and second rotational positions.

IPC Classes  ?

• G06F 7/00 - Methods or arrangements for processing data by operating upon the order or content of the data handled
• B65G 51/42 - Automatically distributing the carriers to desired stations according to indications on carriers

Abstract

An automated banking machine system operates to cause financial transfers responsive to data read from data bearing records. The system is operative to read a financial card bearing account indicia with a card reader. A user is able to perform at least one banking operation responsive to account indicia read by the card reader from the card. The banking operations include dispensing cash and accessing financial accounts. In an example embodiment, the machine is operative to produce an audio output including verbal information through a headphone port to a headphone.

IPC Classes  ?

• G07F 19/00 - Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
• G06Q 40/00 - Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• G06Q 20/10 - Payment architectures specially adapted for home banking systems
• G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
• G09B 21/00 - Teaching, or communicating with, the blind, deaf or mute
• G06Q 20/18 - Payment architectures involving self-service terminals [SST], vending machines, kiosks or multimedia terminals

Abstract

An automated banking machine operates responsive to data read from data bearing records corresponding to authorized user or financial account data. The automated banking machine includes a card reader for reading data from user cards. The automated banking machine causes financial transfers related to financial accounts that correspond to data read from user cards. The automated banking machine also includes devices that control the supply of power to transaction function devices such as the card reader to avoid exceeding power supply capacity.

IPC Classes  ?

• G06F 17/00 - Digital computing or data processing equipment or methods, specially adapted for specific functions
• G06F 1/00 - ELECTRIC DIGITAL DATA PROCESSING - Details not covered by groups and
• G06K 5/00 - Methods or arrangements for verifying the correctness of markings on a record carrier; Column-detection devices
• G06Q 40/00 - Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• G06F 1/32 - Means for saving power
• G07F 19/00 - Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines

Abstract

A deposit management system is operable responsive to data included on data bearing records. The system is associated with a plurality of financial funds depositories. Each depository can accept deposit items, such as deposit bags. Each depository includes a bar code reader that can read data from a bar code label that is located on a deposit bag. The system allows merchants to preregister a deposit before performing the deposit. A preregistered deposit is linked with a deposit identifier in a data store. The deposit identifier can be represented in a bar code. If the system determines that a bar code reader of a respective depository read a deposit identifier which corresponds in the data store to a preregistered deposit, then the respective depository is operated to automatically unlock its deposit entry door. The system also allows merchants to review their deposit history.

IPC Classes  ?

• G07F 19/00 - Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines

Abstract

A banking system is controlled responsive to data read from data bearing records. The system comprises an automated banking machine. The machine includes at least one type of data reader, which includes a card reader. The machine also includes an anti-fraud arrangement that can deter effective operation of unauthorized devices attached to the machine. Such unauthorized devices may include a fraudulent card reader placed adjacent to a card entry slot that leads to the card reader. The arrangement can sense a fraudulent card reader installed on the machine. The arrangement can additionally emit jamming signals that interfere with an ability of a sensed fraudulent card reader to accurately read card data.

IPC Classes  ?

• G06K 7/08 - Methods or arrangements for sensing record carriers by means detecting the change of an electrostatic or magnetic field, e.g. by detecting change of capacitance between electrodes
• G06Q 40/00 - Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• G07F 19/00 - Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
• H04K 3/00 - Jamming of communication; Counter-measures

Abstract

A banking system machine is controlled responsive to data read from data bearing records. The machine includes a card reader, a keypad, a cash dispenser, a cash outlet, a deposit accepting opening, and other transaction locations that may be susceptible to the installation of fraudulent devices adjacent thereto. Such unauthorized devices may include for example, a fraudulent card reading device, a fraudulent keypad input intercepting device, a cash outlet trap device, a deposit input diversion device, or other illegitimate devices. The machine includes an anti-fraud arrangement that is operative to deter the attachment of unauthorized devices to the machine. The arrangement can sense and/or dislodge an unauthorized device attached to the machine. The arrangement also allows for the machine's card slot bezel to be frequently exchanged for a differently contoured card slot bezel.

IPC Classes  ?

• G07F 19/00 - Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines

Abstract

An automated banking machine is operative to cause financial transfers responsive at least in part to data read from data bearing records. The automated banking machine includes a card reader that is operative to read card data from user cards corresponding to financial accounts. The automated banking machine is operative to cause a determination to be made that read card data corresponds to stored data for an account authorized to carry out transactions that transfer and/or allocate funds between accounts. The automated banking machine is further operative to provide users with a receipt for transactions conducted. The automated banking machine is operative to cause the value of cash dispensed or received to be assessed or credited to the financial accounts corresponding to card data.

IPC Classes  ?

• G06Q 40/00 - Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• G06F 17/00 - Digital computing or data processing equipment or methods, specially adapted for specific functions
• G06K 5/00 - Methods or arrangements for verifying the correctness of markings on a record carrier; Column-detection devices

Abstract

A banking system comprises automated banking machines which include a card reader, check imaging device, and cash dispenser. Each system machine can cash a code-correlated check in exchange for receiving both the check and the code assigned to the check, without requiring any user identifying input through the machine's user input devices as a condition for cashing the check. The system allows a potential recipient of a personal check to call in a given code to a system computer, which can verify whether the check is backed by funds reserved for the check amount and whether the check can be anonymously cashed. From the call the system computer can obtain the mobile phone's GPS location to determine the system machine nearest to the phone. When informing the phone user that a check is as good as cash, the system computer can also provide directions to that nearest system machine.

IPC Classes  ?

• G07F 19/00 - Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines

Abstract

A banking system that utilizes metrics in acquiring and processing event data related to financial transaction activity at a plurality of automated banking machines. Automated banking machine include sensors able to detect event data during a transaction. The event data can include transaction data related to the type of transaction, time analysis data related to duration of the transaction, and operational data related to machine components used in carrying out the transaction. The event data for automated banking machines can be obtained, analyzed, and stored. Statistical averages associated with the banking system machines can be determined in real time. The averages allow a respective machine to be compared to other machines with respect to operational efficiency. An alert can be issued concerning a statistical anomaly regarding the respective machine.

IPC Classes  ?

• G06K 7/00 - Methods or arrangements for sensing record carriers
• G07F 19/00 - Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
• G07G 1/01 - Cash registers - Details for indicating
• G07F 9/02 - Devices for alarm or indication, e.g. when empty; Advertising arrangements in coin-freed apparatus

Abstract

An automatic banking machine operates responsive to data read from data bearing records corresponding to authorized user or financial account data. The machine includes a card reader for reading data from user cards. The automated banking machine causes financial transfers related to financial accounts that correspond to data read from user cards. The automated banking machine also includes devices that control the supply of power to included devices to avoid exceeding power supply capacity.

IPC Classes  ?

• G06K 7/00 - Methods or arrangements for sensing record carriers
• G07F 19/00 - Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines

Abstract

A banking system operates responsive to data read from data bearing records. The system includes an automated banking machine comprising a card reader. The card reader includes a movable read head that can read card data along a magnetic stripe of a card that was inserted long-edge first. The card reader includes a card entry gate. The gate is opened for a card that is determined to be properly oriented for data reading. The card reader can encrypt card data, including account data. The card data is usable by the machine to authorize a user to carry out a financial transfer involving the account.

IPC Classes  ?

• G06Q 40/00 - Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• G07F 19/00 - Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines

Abstract

An automated banking machine is operative to cause financial transfers responsive at least in part to data read from data bearing records. The automated banking machine includes a card reader that is operative to read card data from user cards corresponding to financial accounts. The automated banking machine is operative to cause a determination to be made that read card data corresponds to stored data for an account authorized to carry out transactions that transfer and/or allocate funds between accounts. The automated banking machine is further operative to provide users with a receipt for transactions conducted. The automated banking machine is operative to cause the value of cash dispensed or received to be assessed or credited to the financial accounts corresponding to card data.

IPC Classes  ?

• G06Q 40/00 - Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• G06K 5/00 - Methods or arrangements for verifying the correctness of markings on a record carrier; Column-detection devices
• B65H 5/22 - Feeding articles separated from piles; Feeding articles to machines by air-blast or suction device

Abstract

An automated banking machine system operates to cause financial transfers responsive to data read from data bearing records. The system is operative to read a financial card bearing account indicia with a card reader. A user is able to perform at least one banking operation responsive to account indicia read by the card reader from the card. The banking operations include dispensing cash and accessing financial accounts. The machine is operative to produce an audio output including verbal information through a headphone port to a headphone.

IPC Classes  ?

• G06Q 40/00 - Finance; Insurance; Tax strategies; Processing of corporate or income taxes

Abstract

A banking system operates responsive to data read from data bearing records. The system includes an automated banking machine comprising a card reader. The card reader includes a movable read head that can read card data along a magnetic stripe of a card that was inserted long-edge first. The card reader includes a card entry gate. The gate is opened for a card that is determined to be properly oriented for data reading. The card reader can encrypt card data, including account data. The machine also includes a PIN keypad. The card reader can send encrypted card data to the keypad. The keypad can decipher the encrypted card data. The keypad can encrypt both deciphered card data and a received user PIN. The card data and the PIN are usable by the machine to authorize a user to carry out a financial transfer involving the account.

IPC Classes  ?

• G06Q 40/00 - Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• G07F 19/00 - Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
• G07D 11/00 - Devices accepting coins; Devices accepting, dispensing, sorting or counting valuable papers
• G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
• G07F 7/08 - Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card

Abstract

An apparatus including an automated banking machine is operative to cause financial transfers responsive at least in part to data read from data bearing records. The machine includes a card reader that is operative to read card data usable to identify at least one of a user of the machine and a financial account. A computer associated with the machine is operative to cause card data to be read through operation of the card reader, and to cause a determination to be made that read card data corresponds to a financial account authorized to conduct a transaction through the machine. The computer is operative responsive at least in part to the determination to cause the financial account to be at least one of assessed and credited with a value associated with a financial transaction. Transaction function devices of the machine are supported through slides that can be configured in different ways to facilitate mounting of devices within the machine.

IPC Classes  ?

• G07F 19/00 - Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
• H05K 7/14 - Mounting supporting structure in casing or on frame or rack

Abstract

An automated banking machine operates to cause financial transfers responsive to data read from data bearing records in the form of user cards. The machine includes a printer for printing paper records of transactions conducted at the machine. The printer receives paper from a shared paper path. The shared paper path can be supplied by a first paper supply and a second paper supply. A controller is operative to switch between the paper supplies in providing paper to the printer. Based on signals received from paper sensors in the machine, the controller can determine whether the first paper supply has reached a predetermined low level. In response to a low level determination, the controller acts to cause a paper drive to begin moving paper from the second paper supply to the shared paper path and then to the printer.

IPC Classes  ?

• G06Q 40/00 - Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• G07D 11/00 - Devices accepting coins; Devices accepting, dispensing, sorting or counting valuable papers
• G07F 19/00 - Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines

Abstract

A machine (10) is operative to carry out financial transfers responsive to data included on data bearing records including user cards. The machine includes a user interface (15) including a display (24). The user interface includes a card reader (16) which is operative to read data on user cards which identify at least one of user and a user's financial accounts. Records of the financial transfers are provided by a printer (30). A touch screen display module (608) is operative to securely receive manual inputs and/or card data. The touch screen display module includes a contact surface that can be electronically contoured to provide outputs that can be perceived through finger contact with the contact surface.

IPC Classes  ?

• G06Q 40/00 - Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• G07F 19/00 - Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines

Abstract

An automated banking machine operated responsive to data bearing records includes a card reader that is operative to read data from user cards including financial account identifying data, and to cause financial transfers responsive at least in part to the card data corresponding to stored data for a financial account authorized to conduct a transaction with the machine. The machine includes a plurality of hardware devices and a terminal processor. The terminal processor is operative to cause a hardware device to process sheets in carrying out transactions involving financial transfers. A device processor in a hardware device is operative to communicate certain condition data associated with the hardware device to a portable device.

IPC Classes  ?

• G06Q 40/00 - Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• G07D 11/00 - Devices accepting coins; Devices accepting, dispensing, sorting or counting valuable papers
• G07F 19/00 - Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines

Abstract

An automated banking machine operates to cause financial transfers responsive at least in part to data read from data bearing records. The automated banking machine includes a card reader that is operative to read card data corresponding to financial accounts from user cards. The card data is linked in at least one data store to data indicating that the card data corresponds to a financial account that is authorized to be used to conduct at least one transaction through use of the automated banking machine. The automated banking machine may be used to carry out financial transfers involving financial accounts by users who are determined to be authorized users of such accounts. Data corresponding to a financial account can also be linked to a mobile wireless device so as to enable financial transfers by authorized users of such accounts.

IPC Classes  ?

• G07F 19/00 - Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
• G06Q 20/04 - Payment circuits
• G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
• G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
• G06Q 20/42 - Confirmation, e.g. check or permission by the legal debtor of payment

Abstract

An automated banking machine operates using data read from user cards. The machine is operative to transfer funds in accounts. The machine includes a user fascia adapted to be held by a lock adjacent an opening of a housing supported atop a security chest. The fascia is supported by the housing through two horizontally-disposed members. The fascia is movable away from the housing. The machine includes serviceable components including a card reader supported within the housing or by the fascia. A machine servicer can stand between the two horizontally-disposed members while servicing the machine. The housing additionally includes a rear panel similarly movably mounted with two other horizontally-disposed members for use in servicing rear components.

IPC Classes  ?

• G06K 7/00 - Methods or arrangements for sensing record carriers
• G07F 19/00 - Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines

Abstract

An automated banking machine operated responsive to data bearing records includes a card reader that is operative to read data from user cards including financial account identifying data, and to cause financial transfers responsive at least in part to the card data corresponding to stored data for a financial account authorized to conduct a transaction with the machine. The machine includes a plurality of hardware devices and a terminal processor. The terminal processor is operative to cause a hardware device to process sheets in carrying out transactions involving financial transfers. A device processor in a hardware device is operative to communicate certain condition data associated with the hardware device to a portable device.

IPC Classes  ?

• G06Q 40/00 - Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• G07D 11/00 - Devices accepting coins; Devices accepting, dispensing, sorting or counting valuable papers

Abstract

An apparatus including an automated banking machine is operative to cause financial transfers responsive at least in part to data read from data bearing records. The machine includes a card reader that is operative to read card data usable to identify at least one of a user of the machine and a financial account. A computer associated with the machine is operative to cause card data to be read through operation of the card reader, and to cause a determination to be made that read card data corresponds to a financial account authorized to conduct a transaction through the machine. The computer is operative responsive at least in part to the determination to cause the financial account to be at least one of assessed and credited with a value associated with a financial transaction.

IPC Classes  ?

• G07F 19/00 - Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines

Abstract

A machine (10) is operative to carry out financial transfers responsive to data included on data bearing records including user cards. The machine includes a user interface (15) including a display (24). The user interface includes a card reader (16) which is operative to read data on user cards which identify at least one of user and a user's financial accounts. Records of the financial transfers are provided by a printer (30). A touch screen display module (608) is operative to securely receive manual inputs and/or card data. The touch screen display module includes a contact surface that can be electronically contoured to provide outputs that can be perceived through finger contact with the contact surface.

IPC Classes  ?

• G06Q 40/00 - Finance; Insurance; Tax strategies; Processing of corporate or income taxes

Abstract

An automated banking machine operates to cause financial transfers responsive to data read from data bearing records in the form of user cards. The machine includes a printer for printing paper records of transactions conducted at the machine. The printer receives paper from a shared paper path. The shared paper path can be supplied by a first paper supply and a second paper supply. A controller is operative to switch between the paper supplies in providing paper to the printer. Based on signals received from paper sensors in the machine, the controller can determine whether the first paper supply has reached a predetermined low level. In response to a low level determination, the controller acts to cause a paper drive to begin moving paper from the second paper supply to the shared paper path and then to the printer.

IPC Classes  ?

• G06Q 40/00 - Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• G07D 11/00 - Devices accepting coins; Devices accepting, dispensing, sorting or counting valuable papers
• G07F 19/00 - Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines

Abstract

An automated banking machine operates responsive to data bearing records. The automated banking machine includes a card reader that reads card data from a user card. The read card data corresponds to a financial account and is used to authorize the machine user to carry out a transaction on the financial account. The automated banking machine includes a display and a printer to produce records of a financial transaction carried out with the card reader. The automated banking machine also includes a validator arrangement including a currency note validator which reads data from a currency note in determining validity of the note. The note validator, while remaining supported by the machine, is slidable to extend outside of the machine where it can be pivoted to an orientation at which it can be serviced.

IPC Classes  ?

• G06F 19/00 - Digital computing or data processing equipment or methods, specially adapted for specific applications (specially adapted for specific functions G06F 17/00;data processing systems or methods specially adapted for administrative, commercial, financial, managerial, supervisory or forecasting purposes G06Q;healthcare informatics G16H)
• G06Q 40/00 - Finance; Insurance; Tax strategies; Processing of corporate or income taxes

Abstract

A banking system operates responsive to data read from data bearing records. The system includes an automated banking machine comprising a card reader. The card reader includes a movable read head that can read card data along a magnetic stripe of a card that was inserted long-edge first. The card reader includes a card entry gate. The gate is opened for a card that is determined to be properly oriented for data reading. The card reader can encrypt card data, including account data. The machine also includes a PIN keypad. The card reader can send encrypted card data to the keypad. The keypad can decipher the encrypted card data. The keypad can encrypt both deciphered card data and a received user PIN. The card data and the PIN are usable by the machine to authorize a user to carry out a financial transfer involving the account.

IPC Classes  ?

• G06Q 40/00 - Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• G07D 11/00 - Devices accepting coins; Devices accepting, dispensing, sorting or counting valuable papers
• G07F 19/00 - Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines

Abstract

An automated banking machine operates responsive to data bearing records to cause financial transfers. The automated banking machine includes a card reader operative to read card data from user cards. The machine is operative to cause financial transfers responding at least in part to a determination that the read card data corresponds to at least one of an authorized user or an authorized financial account. The machine includes a display and a printer to produce records of financial transfers carried out with the machine. The machine includes a housing including a chest. The chest is supported on a depository safe. The safe includes a depository head that extends upward on the safe and in front of the chest.

IPC Classes  ?

• G07F 19/00 - Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines

Abstract

An automated banking machine is operable to cause financial transfers responsive to data read from data bearing records. The machine includes a card reader that can read card data from user cards corresponding to financial accounts. The machine is operative responsive to read card data to carry out transactions that transfer and/or allocate funds between accounts. The machine can also provide machine users with a receipt for transactions conducted. The machine includes a cash dispenser that can dispense cash to users, and cause the value of dispensed cash to be assessed to accounts corresponding to the read card data. The machine also includes a sheet accepting device that can receive currency notes and/or checks from users. An account that corresponds to the read card data can be credited for the value of received notes and/or checks.

IPC Classes  ?

• G06F 17/00 - Digital computing or data processing equipment or methods, specially adapted for specific functions
• G06K 5/00 - Methods or arrangements for verifying the correctness of markings on a record carrier; Column-detection devices
• G06Q 40/00 - Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• E05G 1/00 - Safes or strong-rooms for valuables

Abstract

A card actuated automated banking machine (152,198,200) includes a plurality of transaction function devices. The transaction function devices include a card reader (170), a printer (174), a bill dispenser (176), a display (182), a check imaging device (186), and at least one processor (190). The machine is operative, responsive to receiving a check and certification data, to dispense cash in exchange for the check. The person presenting the check to the machine need not provide user identifying inputs through input devices of the machine in order to receive cash for the check. Furthermore, prior to accepting the check as a payment, the person can communicate with a least one computer (204) through at least one consumer interface device (208) to verify that the check is payable for the check amount.

IPC Classes  ?

• G07F 19/00 - Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines

Abstract

A card activated cash dispensing automated banking machine operates responsive to data included on user cards. A system and method for producing the automated banking machine incorporating a plurality of hardware devices in the automated banking machine responsive to order data associated with a purchase order for the automated banking machine. The hardware devices include a card reader, a cash dispenser, at least one processor, at least one hard drive, and at least one output device. The order data includes at least one hardware part number corresponding to at least one of the devices, at least one software part number corresponding to at least one software component, and at least one customization part number corresponding to at least one customization file. The system and method include installing the software component and the customization file on the at least one hard drive of the machine, through operation of the at least one server responsive to the order data.

IPC Classes  ?

• G07F 19/00 - Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
• G06K 5/00 - Methods or arrangements for verifying the correctness of markings on a record carrier; Column-detection devices
• G06F 7/08 - Sorting, i.e. grouping record carriers in numerical or other ordered sequence according to the classification of at least some of the information they carry
• G06Q 10/00 - Administration; Management
• G06Q 40/00 - Finance; Insurance; Tax strategies; Processing of corporate or income taxes

Abstract

An automated banking machine operated responsive to data bearing records includes a card reader that is operative to read data from user cards including financial account identifying data, and to cause financial transfers responsive at least in part to the card data corresponding to stored data for a financial account authorized to conduct a transaction with the machine. The machine includes a plurality of hardware devices and a terminal processor. The terminal processor is operative to cause a hardware device to process sheets in carrying out transactions involving financial transfers. A device processor in a hardware device is operative to communicate certain condition data associated with the hardware device to a portable device.

IPC Classes  ?

• G06Q 40/00 - Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• G07D 11/00 - Devices accepting coins; Devices accepting, dispensing, sorting or counting valuable papers

Abstract

An automated banking machine operates to cause financial transfers responsive at least in part to data read from data bearing records. The automated banking machine includes a card reader operative to read card data from user cards corresponding to financial accounts. The automated banking machine includes a display and a printer to produce records of financial transactions carried out with the machine. The automated banking machine may also include a client device that is operative to cause the display, card reader and other devices in the machine to operate in response to communications through the client device.

IPC Classes  ?

• G06Q 40/00 - Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• G07D 11/00 - Devices accepting coins; Devices accepting, dispensing, sorting or counting valuable papers
• G07F 19/00 - Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines

Abstract

An automated banking machine operates to cause financial transfers responsive to data read from data bearing records. The automated banking machine includes a card reader operative to read card data from user cards corresponding to financial accounts. The automated banking machine includes a display and a printer to produce records of financial transactions carried out with the machine. The automated banking machine may also include a portal device that is operative to cause the display, card reader and other devices in the machine to operate in response to communications through the portal device.

IPC Classes  ?

• G06Q 40/00 - Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• G07D 11/00 - Devices accepting coins; Devices accepting, dispensing, sorting or counting valuable papers
• G07F 19/00 - Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines

Abstract

A banking system operates responsive to data read from data bearing records. The system includes an automated banking machine comprising a card reader. The card reader includes a movable read head that can read card data along a magnetic stripe of a card that was inserted long-edge first. The card reader includes a card entry gate. The gate is opened for a card that is determined to be properly oriented for data reading. The card reader can encrypt card data, including account data. The machine also includes a PIN keypad. The card reader can send encrypted card data to the keypad. The keypad can decipher the encrypted card data. The keypad can encrypt both deciphered card data and a received user PIN. The card data and the PIN are usable by the machine to authorize a user to carry out a financial transfer involving the account.

IPC Classes  ?

• G06Q 40/00 - Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• G07D 11/00 - Devices accepting coins; Devices accepting, dispensing, sorting or counting valuable papers
• G07F 19/00 - Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines

Abstract

An automatic banking machine operates responsive to data bearing records. The machine includes a card reader for reading user cards, and at least one of a note acceptor and a cash dispenser. The automated banking machine carries out financial transfers related to user accounts based on information read from cards. The automated banking machine provides a printed receipt for transactions conducted. The machine carries out transactions when operatively connected to a source of power and a transaction network. The machine also carries out functions to control the power status of devices in the machine.

IPC Classes  ?

• G06K 5/00 - Methods or arrangements for verifying the correctness of markings on a record carrier; Column-detection devices
• G06F 17/00 - Digital computing or data processing equipment or methods, specially adapted for specific functions
• G06F 1/00 - ELECTRIC DIGITAL DATA PROCESSING - Details not covered by groups and
• G06Q 40/00 - Finance; Insurance; Tax strategies; Processing of corporate or income taxes

Abstract

An automated banking machine operates to cause financial transfers responsive to data read from data bearing records in the form of user cards. The machine includes a printer for printing paper records of transactions conducted at the machine. The printer receives paper from a shared paper path. The shared paper path can be supplied by a first paper supply and a second paper supply. A controller is operative to switch between the paper supplies in providing paper to the printer. Based on signals received from paper sensors in the machine, the controller can determine whether the first paper supply has reached a predetermined low level. In response to a low level determination, the controller acts to cause a paper drive to begin moving paper from the second paper supply to the shared paper path and then to the printer.

IPC Classes  ?

• G06Q 40/00 - Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• G07D 11/00 - Devices accepting coins; Devices accepting, dispensing, sorting or counting valuable papers
• G07F 19/00 - Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines

Abstract

A banking system operates responsive to data read from data bearing records. The system includes an automated banking machine comprising a card reader. The card reader includes a movable read head that can read card data along a magnetic stripe of a card that was inserted long-edge first. The card reader includes a card entry gate. The gate is opened for a card that is determined to be properly oriented for data reading. The card reader can encrypt card data, including account data. The machine also includes a PIN keypad. The card reader can send encrypted card data to the keypad. The keypad can decipher the encrypted card data. The keypad can encrypt both deciphered card data and a received user PIN. The card data and the PIN are usable by the machine to authorize a user to carry out a financial transfer involving the account.

IPC Classes  ?

• G06Q 40/00 - Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• G07D 11/00 - Devices accepting coins; Devices accepting, dispensing, sorting or counting valuable papers
• G07F 19/00 - Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines

Abstract

Automated banking machines (10) operate to cause financial transfers responsive to data read from data bearing records. Each of the automated banking machines includes a card reader that is operative to read data from user cards corresponding to financial accounts. Transactions are authorized responsive at least in part to correspondence between card data and stored data corresponding to authorized users. Entities responsible for operating the automated banking machines may receive messages that include information or update code items for software or firmware usable in the banking machines for which they have operational responsibility.

IPC Classes  ?

• G06K 5/00 - Methods or arrangements for verifying the correctness of markings on a record carrier; Column-detection devices

Abstract

Automated banking machines (10) operate to cause financial transfers responsive to data read from data bearing records. Each of the automated banking machines includes a card reader that is operative to read data from user cards corresponding to financial accounts. Transactions are authorized responsive at least in part to correspondence between card data and stored data corresponding to authorized users. Entities responsible for operating the automated banking machines may receive messages that include information or update code items for software or firmware usable in the banking machines for which they have operational responsibility.

IPC Classes  ?

• G06K 5/00 - Methods or arrangements for verifying the correctness of markings on a record carrier; Column-detection devices
• G06K 19/00 - Record carriers for use with machines and with at least a part designed to carry digital markings

Abstract

An automated banking machine operates to carry out financial transfers responsive to data read from data bearing records. The machine includes a card reader that operates to read data from user cards. The card data corresponds to financial accounts. The automated banking machine further includes a cash dispenser. The machine is operative to dispense cash to an authorized user based on identifying data including card data, and to cause a financial transfer from an account corresponding to card data through communication with at least one remote computer. The machine is operative to produce an audio output including verbal information through a headphone port to a headphone.

IPC Classes  ?

• G06Q 40/00 - Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• G07D 11/00 - Devices accepting coins; Devices accepting, dispensing, sorting or counting valuable papers
• G07F 19/00 - Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines

Abstract

An automated banking machine controlled responsive to data bearing records includes a card reader that reads identifying data from a user card. A host banking system authorizes operation of an automated banking machine responsive to computer verification of the identifying data. The automated banking machine can dispense cash to an authorized machine user in a cash dispensing transaction, and have the user's bank account charged for the cash amount dispensed. The automated banking machine can acquire image and magnetic data from deposited checks to determine the genuineness of checks and the authority of a user to receive cash for the checks. Cash can be dispensed from the machine to a user in exchange for a deposited check.

IPC Classes  ?

• G06Q 40/00 - Finance; Insurance; Tax strategies; Processing of corporate or income taxes

Abstract

An automated banking machine is part of a banking system that can operate to cause financial transfers responsive to data read from data bearing records. The machine can also receive user card data from a cell phone, including an electronic account number. The phone's banking application encrypts the account number along with an inputted random number which was generated by the machine. The phone then displays a bar code image containing the encrypted data. The machine includes a bar code reader. The random number is used to verify the current transaction session. Thereafter, normal transaction flow can follow, including PIN input. The process allows for secure input of card data without physical insertion of a card. Thus, fraudulent activities based on card insertion can be reduced.

IPC Classes  ?

• G07D 11/00 - Devices accepting coins; Devices accepting, dispensing, sorting or counting valuable papers

Abstract

An automated banking machine operates to cause financial transfers responsive to data read from data bearing records. The automated banking machine includes a card reader operative to read card data from user cards corresponding to financial accounts. The automated banking machine includes a display and a printer to produce records of financial transactions carried out with the machine. The automated banking machine may also include a portal device that is operative to cause the display, card reader and other devices in the machine to operate in response to communications through the portal device.

IPC Classes  ?

• G06Q 40/00 - Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• G07D 11/00 - Devices accepting coins; Devices accepting, dispensing, sorting or counting valuable papers
• G07F 19/00 - Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines

Abstract

An automated banking machine operates to cause financial transfers responsive to data read from data bearing records. The automated banking machine includes a card reader operative to read card data from user cards corresponding to financial accounts. The automated banking machine includes a display and a printer to produce records of financial transactions carried out with the machine. The automated banking machine may also include a portal device that is operative to cause the display, card reader and other devices in the machine to operate in response to communications through the portal device.

IPC Classes  ?

• G06Q 40/00 - Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• G07D 11/00 - Devices accepting coins; Devices accepting, dispensing, sorting or counting valuable papers
• G07F 19/00 - Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines

Abstract

An automated banking machine operates responsive to data read from data bearing records corresponding to authorized user or financial account data. The automated banking machine includes a card reader for reading data from user cards. The automated banking machine causes financial transfers related to financial accounts that correspond to data read from user cards. The automated banking machine also includes devices that control the supply of power to transaction function devices such as the card reader to avoid exceeding power supply capacity.

IPC Classes  ?

• G06F 17/00 - Digital computing or data processing equipment or methods, specially adapted for specific functions
• G06F 1/00 - ELECTRIC DIGITAL DATA PROCESSING - Details not covered by groups and
• G06K 5/00 - Methods or arrangements for verifying the correctness of markings on a record carrier; Column-detection devices
• G06Q 40/00 - Finance; Insurance; Tax strategies; Processing of corporate or income taxes