A server is associated with a retailer having a store. The server has a processor, communication device, and other logic devices. The processor receives an electronic list from a mobile device carried by the user. The communication device communicates with the mobile device. A product locator logic locates items from the electronic list in the store and route determination logic finds a route traveling past the items in the electronic list. An upsell logic may upsell some items when they are scanned. A warning logic generates a warning message for display on the mobile device when the user is allergic to an ingredient in the item. A checkout logic sums all scanned items and uses payment information provided by the mobile device to processes payment of the items. The mobile device optionally displays the route within a map of the store to allowing the user to find the electronic list.
G07F 19/00 - Systèmes bancaires complets; Dispositions à déclenchement par carte codée adaptées pour délivrer ou recevoir des espèces ou analogues et adresser de telles transactions à des comptes existants, p.ex. guichets automatiques
G07D 11/00 - Dispositifs acceptant des pièces de monnaie; Dispositifs acceptant, distribuant, triant ou comptant des papiers de valeur
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.
An automated transaction machine has a customer interface for operation of the machine and an opening in the customer interface through which notes may be deposited into or withdrawn from the machine via an articulated note acceptor-presenter located in an upper unit of the machine and operative to extend at least partially through the opening in the customer interface.
G07F 19/00 - Systèmes bancaires complets; Dispositions à déclenchement par carte codée adaptées pour délivrer ou recevoir des espèces ou analogues et adresser de telles transactions à des comptes existants, p.ex. guichets automatiques
G07D 11/00 - Dispositifs acceptant des pièces de monnaie; Dispositifs acceptant, distribuant, triant ou comptant des papiers de valeur
5.
CASH ACCESS WITH AUTOMATIC TRANSACTION MACHINE WITH MOBILE PHONE
A cash-dispensing banking terminal has a housing, a transmitter, a receiver, a cash dispenser, and a processor to control the cash dispenser. A pre-created transaction request was earlier created with a mobile device before a banking customer and the mobile device arrive at the cash-dispensing banking terminal. A remote computing device authenticates and authorizes the transaction request before the customer and the mobile device arrive at the cash-dispensing banking terminal. When the transaction is authenticated and authorized, a remote computer generates an executable transaction request and generates and sends a transaction identifier associated with an executable transaction request to the mobile device. The receiver receives the transaction identifier from the mobile device, when the customer is at the banking terminal. The remote computer and/or other devices verify the transaction identifier is valid. The banking terminal performs the transaction request while the customer is at the banking terminal.
G07F 19/00 - Systèmes bancaires complets; Dispositions à déclenchement par carte codée adaptées pour délivrer ou recevoir des espèces ou analogues et adresser de telles transactions à des comptes existants, p.ex. guichets automatiques
G07D 11/00 - Dispositifs acceptant des pièces de monnaie; Dispositifs acceptant, distribuant, triant ou comptant des papiers de valeur
G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de banque à domicile
G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil
In an example embodiment, there is disclosed herein an apparatus comprising a first terminal that comprises a first display, a first wireless interface, and a first cash interface, and a second terminal that comprises a second display, a second wireless interface, and a second cash interface. Control logic is coupled with the first user interface and the second user interface and operable to control the operation of the first and second displays, first and second wireless interfaces, and first and second cash interfaces. A safe is coupled with the control logic, and the first and second cash interfaces. The control logic is operable to have cash selectively delivered from the safe to the first cash interfaces responsive to cash withdrawal transactions conducted at the first terminal and to the second cash interface responsive to cash withdrawal transactions conducted at the second terminal.
G07F 19/00 - Systèmes bancaires complets; Dispositions à déclenchement par carte codée adaptées pour délivrer ou recevoir des espèces ou analogues et adresser de telles transactions à des comptes existants, p.ex. guichets automatiques
G07D 11/00 - Dispositifs acceptant des pièces de monnaie; Dispositifs acceptant, distribuant, triant ou comptant des papiers de valeur
G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de banque à domicile
In accordance with an example embodiment, there is disclosed herein, an apparatus, comprising a bezel, a cover, and a thermally conductive, electrically isolating material. The cover comprises top and side surfaces, a cavity for receiving an optical device, a first opening for the optical device to obtain an image, and a second opening for allowing an electrical conductor to be coupled with the optical device. The thermally conductive, electrically isolating, material, is shaped in accordance with the shape of the optical device. The bezel and the cover protect the optical device from discharge currents. The thermally conductive, electrically isolating, material provides electrical isolation of the optical device from the cover and conducts heat from the optical device to the top and side surfaces of the cover.
G07F 19/00 - Systèmes bancaires complets; Dispositions à déclenchement par carte codée adaptées pour délivrer ou recevoir des espèces ou analogues et adresser de telles transactions à des comptes existants, p.ex. guichets automatiques
Described in example embodiments herein are techniques for implementing an automated banking machine such as an ATM. An example embodiments, tracks the flow of a note through an ATM. Another emobidment corrects errors detected during a note flow. Some embodiments are in the form of security protocols for communications or other communication protocols, or techniques for monitoring devices operating in the ATM. Yet another example embodiment is directed to security of a currency cassette. Still yet another embodiment is directed to detecting tampering of the ATM's gate and/or shuttle. Yet still another embodiment determines if notes in a shuttle were delivered.
G07F 19/00 - Systèmes bancaires complets; Dispositions à déclenchement par carte codée adaptées pour délivrer ou recevoir des espèces ou analogues et adresser de telles transactions à des comptes existants, p.ex. guichets automatiques
9.
AUTOMATED BANKING MACHINE CASSETTE AND CASSETTE MODULE
Described herein are automated banking machine cassette modules and cassettes. The cassette module may include but is not limited to a divert cassette positioned for easy access and a light pipe system for detecting when sheets are entering or leaving a cassette. The cassette may include but is not limited to a cassette with an ink staining that does not reduce the capacity of the cassette, a torsion spring assembly coupled with a push plate in a cassette, a thumper and feed wheel assembly, and a method of assembling a thumper and feed wheel assembly that provides for proper timing of the feed wheels with the thumper wheels.
G07F 19/00 - Systèmes bancaires complets; Dispositions à déclenchement par carte codée adaptées pour délivrer ou recevoir des espèces ou analogues et adresser de telles transactions à des comptes existants, p.ex. guichets automatiques
G07D 11/00 - Dispositifs acceptant des pièces de monnaie; Dispositifs acceptant, distribuant, triant ou comptant des papiers de valeur
A core module for an Automated Transaction Machine (ATM) includes a housing including a plurality of cassette bays, a first document delivery system, and a second document delivery system. The first document delivery system is capable of transporting a document between the cassette and the second document delivery system via a first transport path. The second document delivery system is capable of transporting a document between the first document delivery system and an other ATM location via a second transport path.
G07F 19/00 - Systèmes bancaires complets; Dispositions à déclenchement par carte codée adaptées pour délivrer ou recevoir des espèces ou analogues et adresser de telles transactions à des comptes existants, p.ex. guichets automatiques
A document delivery system within an automated transaction machine includes a shuttle for receiving a stack of documents. The shuttle is moveable from a dock location to a user interface location along a track system The shuttle may be utilized with a rear-load configuration or a front-load configuration in which the track system has a travel path from the dock location to the user interface location.
G07F 19/00 - Systèmes bancaires complets; Dispositions à déclenchement par carte codée adaptées pour délivrer ou recevoir des espèces ou analogues et adresser de telles transactions à des comptes existants, p.ex. guichets automatiques
A system for onboarding banking-account information (an onboarding transaction) to be use in future transactions includes a banking-device terminal with a card-reading device to read a banking card and input device(s) to receive a verification input associating the banking card with a banking customer. One or more secure bank computing devices receive the banking-account information and the verification input and verify the banking-account information corresponds with the verification input to authorize the onboarding transaction. When the onboarding transaction is authorized, the at-least- one secure bank-computing device requests a customer-device identification of a mobile- customer device to be used for future-banking transactions, The secure bank computing device(s) receive the customer-device identification and store account data associated with the customer-device identification, the banking-account information and/or the verification input so that they may be used for future-banking transactions.
G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil
G06Q 20/34 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des cartes, p.ex. cartes à puces ou cartes magnétiques
G06Q 20/18 - Architectures de paiement impliquant des terminaux en libre-service, des distributeurs automatiques, des bornes ou des terminaux multimédia
G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de banque à domicile
In an example embodiment, there is disclosed herein an apparatus comprising first and second light sources, a sensor, and an image processor. The sensor obtains image data from the first and second light sources, wherein the image data from the first light source is a composite image of light passing through the sheet and the near side image data from the second light source is a reflected, near side image. The image processor subtracts the near side image data from the composite image data to obtain far side image data, and can determine textual data on the sheet form either the near side image data, the far side image data, or a combination of the near side image data and the far side image data.
G07D 7/00 - Vérification spécialement adaptée à la détermination de l’identité ou de l’authenticité de papiers de valeur ou pour discriminer ceux qui sont inacceptables, p.ex. qui ne correspondent pas à une monnaie
G07F 19/00 - Systèmes bancaires complets; Dispositions à déclenchement par carte codée adaptées pour délivrer ou recevoir des espèces ou analogues et adresser de telles transactions à des comptes existants, p.ex. guichets automatiques
G06Q 20/36 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des portefeuilles électroniques ou coffres-forts électroniques
G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de banque à domicile
15.
CONTROLLING POWER PROVIDED TO AN AUTOMATED BANKING SYSTEM
In an example embodiment, an 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 facilitate the completing a transaction when a decline or loss of power is encountered.
G07F 19/00 - Systèmes bancaires complets; Dispositions à déclenchement par carte codée adaptées pour délivrer ou recevoir des espèces ou analogues et adresser de telles transactions à des comptes existants, p.ex. guichets automatiques
16.
AUTOMATED BANKING MACHINE OPERATED RESPONSIVE TO DATA BEARING RECORDS WITH IMPROVED SECURITY
An automated banking machine is operative to cause financial transfers responsive to data read from data bearing records, such as user cards. The machine includes a reader device operative to read data usable to identify a financial account authorized for use in conducting a transaction through the machine. An authorized machine user is able to use the machine to perform transactions, including financial transfers, cash dispensing, and other actions associated with financial accounts. The machine includes a safe having two sections separated by a shared wall structure. A cash handling arrangement is operative to transport cash between the two sections through a slot in the wall structure.
G07F 19/00 - Systèmes bancaires complets; Dispositions à déclenchement par carte codée adaptées pour délivrer ou recevoir des espèces ou analogues et adresser de telles transactions à des comptes existants, p.ex. guichets automatiques
17.
AUTOMATED BANKING SYSTEM CONTROLLED RESPONSIVE TO DATA BEARING RECORDS
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.
G06F 7/08 - Tri, c. à d. rangement des supports d'enregistrement dans un ordre de succession numérique ou autre, selon la classification d'au moins certaines informations portées sur les supports
18.
BANKING SYSTEM THAT OPERATES RESPONSIVE TO DATA READ FROM DATA BEARING RECORDS
An automated banking machine operates to cause financial transfers responsive to data bearing records. The automated banking machine includes a card reader that is operative to read data from user cards corresponding to a financial account. The automated banking machine further includes a sheet accepting device that is operative to receive at least one of notes and checks. A note acceptor includes at least one validator that includes at least one ultrasonic detector. The at least one validator is operative to identify suspect counterfeit notes produced by assembling pieces of genuine notes by identifying seams or other fastening features in the notes where such pieces are joined. The note validator may further include image sensors and/or radiation transmission sensors which are further usable to identify the presence of seams or other fastening features that can distinguish valid and suspect counterfeit notes.
G06F 7/08 - Tri, c. à d. rangement des supports d'enregistrement dans un ordre de succession numérique ou autre, selon la classification d'au moins certaines informations portées sur les supports
19.
SYSTEM CONTROLLED BY DATA BEARING RECORDS INCLUDING AUTOMATED BANKING
A system controlled by a data bearing record includes a card reader that is operative to read data from user cards including identifying data and to authorize operation of an automated banking machine responsive to the identifying data. The automated banking machine includes a deposit accepting device. The deposit accepting device is operative to receive a stack of sheets and to separate each sheet from the stack through operation of a picker. Each sheet is aligned with the sheet path and analyzed by analysis devices including at least one magnetic read head, an imager and/or a validation device. Sheets determined not to have at least one property of a genuine sheet are returned to a user of the machine. Sheets determined to have at least one property of genuine sheets are processed and stored in the machine.
B65H 7/12 - Commande de l'alimentation en articles, de l'enlèvement des articles, de l'avance des piles ou d'appareils associés permettant de tenir compte d'une alimentation incorrecte, de la non présence d'articles ou de la présence d'articles défectueux par palpeurs ou détecteurs sensibles à la présence d'articles défectueux ou à l'enlèvement ou à une alimentation incorrecte sensibles à une alimentation ou enlèvement en double
A card reader (100) for an automated banking machine (10) is provided. The card reader includes a processor (106) and a card transport (102). The card transport moves at least one card a plurality of cycles between a first position and a second position within the card transport. The card transport continuously moves the card in a first direction for a first time period at a first speed, then continuously moves the card in the first direction for a second time period at a second speed which is slower than the first speed. Subsequent to the second time period, the card transport moves the card in the first direction for a third time period, during which the card stops and starts moving more than five times. Both the second and third time periods vary from cycle to cycle responsive to a variable parameter determined by the at least one processor.
An ATM can accept a bulk stack of currency notes for deposit from a customer. The ATM includes a stack transporter (400) that can rotate an accepted stack while relocating it to a predetermined location inside of the machine. The stack transporter includes a rotatable housing (406) in which a stack holder (404) is movable. The stack holder can receive a currency stack (411) deposited in a fascia opening (412) by a customer. The stack holder is retracted to move the stack away from the opening and into the housing to completely move the stack into the machine. The housing, having the bulk stack therein, is then rotated to move the stack away from the opening and toward a stack processing area in the machine. The stack holder is then extended to expose a stack end out of the housing for stack processing.
G06F 19/00 - Équipement ou méthodes de traitement de données ou de calcul numérique, spécialement adaptés à des applications spécifiques (spécialement adaptés à des fonctions spécifiques G06F 17/00;systèmes ou méthodes de traitement de données spécialement adaptés à des fins administratives, commerciales, financières, de gestion, de surveillance ou de prévision G06Q;informatique médicale G16H)
22.
CHECK ACCEPTING AND CASH DISPENSING AUTOMATED BANKING MACHINE SYSTEM AND METHOD
An automated banking machine system and method includes ATMs (11) which accept checks (26) and dispense cash (24) to users. The ATMs are operated to acquire image and magnetic data from deposited checks to determine the genuineness of checks and the authority of a user to receive cash for such checks. Cash may be dispensed to the user from the ATM in exchange for the deposited check The ATMs dispense cash to communications with a transaction host.
A modular integrated software and hardware suite accepts data exported from a voter registration database corresponding to requests for mail ballots, sorts the information as necessary for ballot preparation, creates a road map for ballot mailing preparation, provides for mail presorting, scans returned ballot envelopes using a ballot envelope scanner, accepts data from such ballot envelope scanner, and matches the data from the scanned returned ballots with information in the voter registration database, sorts ballots that cannot be electronically matched to a particular voter into a separate stack for manual processing, automates the signature verification process for electronically matched ballots, and returns updated data to the voter registration database. A ballot envelope scanner uses a passive feed system, a separator brush, a variable speed straight paper path to minimize jamming through the ballot envelope scanner. The ballot envelope scanner also works in connection with a workstation application.
A detector for a deposit accepting apparatus of an automated banking machine or other system is provided. The detector includes an ultrasonic transmitter driven by a driving signal operative to cause the ultrasonic transmitter to transmit an ultrasonic sound signal through a sheet pathway of the detector. The detector also includes an ultrasonic receiver operative to generate a receiver signal responsive to the ultrasonic sound signal. The detector further includes first and second correlation filters. The first and second correlation filters are operative to generate first and second outputs responsive to the receiver signal. At least one processor is operative responsive to the first and second outputs of the correlation filters to determine information associated with changes in phase of the ultrasonic sound signal and to distinguish between single and multiple sheets in the pathway responsive to the information associated with changes in phase.
G06F 7/08 - Tri, c. à d. rangement des supports d'enregistrement dans un ordre de succession numérique ou autre, selon la classification d'au moins certaines informations portées sur les supports
25.
CASH DISPENSING AUTOMATED BANKING MACHINE DIAGOSTIC SYSTEM AND METHOD
An automated banking machine (10) includes a cash dispenser (54). Servicing the machine is facilitated through use of a portable diagnostic article (98) which enables the controller to access diagnostic data stored in memory and which provides data indicative of the significance of the diagnostic data. A portable article of computer readable and writable media (314) is also operative to cause the computer to gather data concerning the banking machine and record it on the media through a drive (312). The data gathered is then analyzed by a separate analysis computer (324).
G06K 5/00 - Méthodes ou dispositions pour vérifier l'exactitude du marquage sur un support d'enregistrement; Dispositifs de localisation de colonne
G07F 19/00 - Systèmes bancaires complets; Dispositions à déclenchement par carte codée adaptées pour délivrer ou recevoir des espèces ou analogues et adresser de telles transactions à des comptes existants, p.ex. guichets automatiques
brevets
