In accordance with an example embodiment, there is disclosed herein an example of using a distributed ledger to track a chain of custody. In accordance with another example embodiment, there is disclosed herein an example of using a distributed ledger that can allow for aggregation of data from multiple sources while maintaining without disclosing the source of individual data records. In yet another example embodiment, there is disclosed herein an example of using a distributed ledger for smart financial institution products such as loan origination. In still yet another example embodiment, there is described herein an example of using a distributed ledger to track debt information.
G07F 19/00 - Complete banking systemsCoded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
H04L 9/00 - Arrangements for secret or secure communicationsNetwork security protocols
H04L 9/06 - Arrangements for secret or secure communicationsNetwork security protocols the encryption apparatus using shift registers or memories for blockwise coding, e.g. D.E.S. systems
A system for processing a financial transaction request and a method executed by the system can include receiving, at a first server, a request to execute the financial transaction request. The first server can determine transaction middleware (TM) super-modules that are stored on the first server and are required to execute the financial transaction. The first server can detect capacities of the TM super-modules and annex control over memory space of a second server if needed. The first server can replicate at least one of the TM super-modules on the memory of the second server and direct the financial transaction request to the TM super-module replicated on the second server. That TM super-module can generate a corresponding output received by the first server, which can then cede control over the memory space of the second server.
A method of performing a financial transaction can include receiving, with a first computing device, a request to execute a financial transaction. The first or a second computing device can determine identities of the service applications required to complete the financial transaction. One of the first or second computing devices can then determine an order of executing each of the service applications. One of the first or second computing devices can direct respective second inputs to at least some of the service applications to thereby initiate respective operations of these service applications. Each of the service applications can then complete respective operations. One of the first or second computing device can receive respective outputs from the at least some of the service applications. The first computing device can then complete the financial transaction.
G06Q 20/10 - Payment architectures specially adapted for electronic funds transfer [EFT] systemsPayment architectures specially adapted for home banking systems
A card reader can include a card insertion slot, a conveyor member, a card-reading head, and a pendulum sensor assembly. The card insertion slot can receive a card from a user. The conveyor member can be configured to move the card along a transport path extending at least partially within the card reader. The card-reading head can be positioned along the transport path, directed toward the transport path. The card-reading head can be configured to read data held on a magnetic strip or held on an embedded chip. The pendulum sensor assembly can include a pendulum and a first sensor. The pendulum can extend into the transport path and can be freely-pivotable about a pivot axis. The first sensor can be configured to detect an angular position of the pendulum about the pivot axis.
An automated transaction machine (“ATM”) can include a note input/output port, an escrow unit, and an upper transport. The escrow unit can receive and hold currency notes. The upper transport can transport currency notes among the note input/output port and the escrow unit. The escrow unit can include a drum and first and second web-supply spool assemblies. The drum collects and releases currency notes relative to the upper transport, is rotatable about a first axis, and has a variable radius including minimum and maximum radii. Each web-supply spool assembly includes a spool and a web and can rotate about respective second and third axis parallel to and spaced from the first axis. A fourth axis can extend normal to and intersect both of the second and third axis and can be closer to the first axis than the maximum radius of the drum.
A method of interconnecting, within a bank branch, a teller-utilized computing device with peripherals includes placing the computing device and the peripherals in communication with a branch server. The branch server can operate a RESTful Services Interface to communicate with the computing device through a browser. The RESTful Services Interface can call a peripheral interface that defines an abstraction layer that is independent of a J/XFS implemented device layer in response to receiving a request for service. The peripheral interface can call a peripheral instance and a peripheral implementation that includes a command to perform the service. The method also includes communicating, from the peripheral interface, the peripheral implementation to the one of the plurality of peripherals. The method also includes performing, with the one of the plurality of peripherals, the requested service.
G07F 19/00 - Complete banking systemsCoded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
7.
AUTOMATED TRANSACTION MACHINE WITH ASSOCIATED BEACON
An Automated Transaction Machine (ATM) is associated with a beacon. The beacon may communicate with an electronic device running a software application that is configured to detect the beacon. The software application may have a reaction based upon the detection of the beacon. The ATM or related systems may respond to data directly or indirectly from the software application to make a customization or take other action based there on.
G06Q 20/10 - Payment architectures specially adapted for electronic funds transfer [EFT] systemsPayment architectures specially adapted for home banking systems
G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
G07F 19/00 - Complete banking systemsCoded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
G07C 9/00 - Individual registration on entry or exit
In example embodiments described herein are various features for a dual cassette. In one embodiment, a push plate catch and release mechanism is employed that can prevent movement of the push plate when movement of the push plate is not being caused by a motor. In another example embodiment, there is described herein an adjustable rail system for a cassette where the rails are configured so that the rails are installed in the correct bracket and in the correct orientation. In yet another example embodiment, there is disclosed herein a multi-compartment cassette with a transport access door. The transport access door provides access to an internal transport of the cassette without providing access to the contents of the cassette.
G07D 11/13 - Containers for valuable papers with internal means for handling valuable papers
G07F 19/00 - Complete banking systemsCoded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
9.
Edge sensing apparatus in automated transaction machine
A sensing apparatus can be configured to detect an edge of a paper that is received by an automated transaction machine (ATM). The paper can move along a path located inside the ATM, the path having opposite first and second sides. The sensing apparatus can include a light emitter and a light detector on the first side of the path, with the light emitter positioned so that it can emit light across the path to the second side. The light detector can be configured to detect light from the light emitter and can emit a signal corresponding to an amount of detected light. The sensing apparatus can also include a control circuit that can control a flow of power to the light emitter, and the control circuit can also receive the signal emitted by the sensor.
B65H 7/14 - 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 by photoelectric feelers or detectors
B65H 7/10 - 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 side register
B65H 9/00 - Registering, e.g. orientating, articlesDevices therefor
B65H 9/20 - Assisting by photoelectric, sonic, or pneumatic indicators
G02B 17/02 - Catoptric systems, e.g. image erecting and reversing system
G07D 11/237 - Means for sensing or detection for monitoring or indicating operating conditionsMeans for sensing or detection for detecting malfunctions for detecting transport malfunctions, e.g. jams or misfeeds
G07D 11/40 - Device architecture, e.g. modular construction
10.
System and method for processing bank transactions
A system for processing bank transactions and a method for operating the system are disclosed. The system can include a plurality of article exchanging units. Each of said plurality of article exchanging units can be configured to receive items from a bank customer and present items to the bank customer. The system can also include a communications controller configured to communicate according to the internet protocol with said plurality of article exchanging units.
H04L 67/12 - Protocols specially adapted for proprietary or special-purpose networking environments, e.g. medical networks, sensor networks, networks in vehicles or remote metering networks
G06V 20/52 - Surveillance or monitoring of activities, e.g. for recognising suspicious objects
G07F 19/00 - Complete banking systemsCoded 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 systemsAudible personal calling systems using electric transmissionAudible signalling systemsAudible personal calling systems using electromagnetic transmission
G08B 5/22 - Visible signalling systems, e.g. personal calling systems, remote indication of seats occupied using electric transmissionVisible signalling systems, e.g. personal calling systems, remote indication of seats occupied using electromagnetic transmission
G08B 21/22 - Status alarms responsive to presence or absence of persons
A financial transaction method can include creating a token correlated to a financial account. The method can also include storing the correlation between the token and the financial account in a token database. The method can also include transmitting the token to a mobile computing device operating an application. The method can also include displaying the token on a display of the mobile computing device. The method can also include receiving, over a public network, the token and data associated with a first financial transaction. The method can also include confirming identity between the token transmitted to the mobile computing device and the token received from the secondary computing device. The method can also include transmitting over the public network, approval of the first financial transaction to the secondary computing device in response to the confirming.
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 credentialsReview and approval of payers, e.g. check of credit lines or negative lists
G06Q 20/10 - Payment architectures specially adapted for electronic funds transfer [EFT] systemsPayment architectures specially adapted for home banking systems
A card reader can include a card insertion slot, a conveyor member, a card-reading head, and a pendulum sensor assembly. The card insertion slot can receive a card from a user. The conveyor member can be configured to move the card along a transport path extending at least partially within the card reader. The card-reading head can be positioned along the transport path, directed toward the transport path. The card-reading head can be configured to read data held on a magnetic strip or held on an embedded chip. The pendulum sensor assembly can include a pendulum and a first sensor. The pendulum can extend into the transport path and can be freely-pivotable about a pivot axis. The first sensor can be configured to detect an angular position of the pendulum about the pivot axis.
A stripper assembly can include a feed wheel, a stripping tire, a drag clutch, and first and second stripping elements. The feed wheel and stripping tire can be mounted for rotation in clockwise (CW) and counter-clockwise (CCW) directions and can contact one another to define a nip through which papers are directed. The drag clutch can be interposed between the stripping tire and the shaft it is mounted upon. The first and second stripping elements can be positioned on the shaft of the stripping tire on opposite sides of the nip. Each of the stripping elements can be configured and positioned to engage papers passing through the nip. The drag clutch is not interposed between either of the first and second stripping elements and the shaft of the stripping tire.
F16D 43/21 - Internally controlled automatic clutches actuated entirely mechanically controlled by torque, e.g. overload-release clutches, slip-clutches with means by which torque varies the clutching pressure with friction members
An automated transaction machine includes a plurality of cassettes of at least two different configurations. A first cassette may include multiple cavities with an internal transport, while a second cassette includes a single cavity. A first cassette may include lid access from both a top and bottom, while a second cassette only includes lid access from a top.
G07D 11/13 - Containers for valuable papers with internal means for handling valuable papers
G07F 19/00 - Complete banking systemsCoded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
Described herein are techniques that employ a data engine for providing service to endpoints such as automated banking machines. For example, when a maintenance task is to be performed, the appropriate skill and parts for completing the task are determined. A maintenance technician is selected to perform the maintenance task who is the closet technician to the endpoint that has the appropriate skill and part. The data engine is also operable to gather and correlate data for the various components of the endpoint and determine predictive and proactive actions for maintaining the components.
An automated transaction machine includes upper and lower units. The lower unit has a chest with a main body. The main body of the lower unit forms a cavity and has interior and exterior walls, made of metal, metal alloys or composite metallic material. There is a non-metallic material layer disposed therebetween. There is opening for passage of documents or other items between the upper and lower units. The upper unit has a housing with a main body. The main body forms a cavity. The main body of the upper unit has an interior and an exterior wall. A transport system may be disposed in the housing to transport documents between the upper and lower units.
E05G 1/06 - Safes or strong-rooms for valuables having provision for multiple compartments
G07F 19/00 - Complete banking systemsCoded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
17.
Automated Transaction Machine with Unitary Structure
An automated transaction machine includes upper and lower units. The lower unit has a chest with a main body. The main body of the lower unit forms a cavity and has interior and exterior walls, made of different metals, metal alloys or composite metallic material. There is a non-metallic material layer disposed therebetween. There is opening for passage of documents or other items between the upper and lower units. The upper unit has a housing with a main body. The main body forms a cavity. The main body of the upper unit has an interior and an exterior wall. A transport system may be disposed in the housing to transport documents between the upper and lower units.
E05G 1/06 - Safes or strong-rooms for valuables having provision for multiple compartments
G07F 19/00 - Complete banking systemsCoded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
In an example embodiment, there is disclosed herein a technique that allows the capabilities of an automated banking machine, such as an ATM, to be upgraded remotely. For example, the banking machine may be sold or leased with an initial configuration. It the customer desires to add additional features, the customer can pay for the features and the manufacturer or dealer can send a signal from a remote host to the automated banking machine with data representative of the upgrade. The banking machine then operates with the upgraded configuration.
G07F 19/00 - Complete banking systemsCoded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
19.
Application interface and database structures to remotely manage bios settings of automated teller machines
A method for controlling at least one setting of a basic input output system (BIOS) of at least one automated transaction machine (ATM) can include provisioning features of an active management technology system of a first computing device associated with an ATM. The method can also include establishing an initial trust between the first computing device and a second computing device that is remote from the first computing device, over a serial-over-lan (SOL) connection that is a feature of the active management technology system. The method can also include configuring the setting of the BIOS of the first computing device and storing a schedule for changing the setting of the BIOS. The method can also include reconfiguring the setting of the BIOS in response to the schedule stored on the database over the SOL.
G06Q 20/10 - Payment architectures specially adapted for electronic funds transfer [EFT] systemsPayment architectures specially adapted for home banking systems
20.
Method of operating an automated transaction machine for enhanced security
A method of operating an automated transaction machine (ATM) can include at least partially disengaging a first component of the ATM from a remainder of the ATM. The method can also include altering the first component to a non-conforming condition after being at least partially disengaged. The method can also include re-engaging the first component with the ATM after being altered. The method can also include replacing a second component of the ATM after the re-engaging. Replacing the second component can include pairing the second component with a computing device of the ATM. The pairing can be responsive at least in part to the altering.
G06Q 20/10 - Payment architectures specially adapted for electronic funds transfer [EFT] systemsPayment architectures specially adapted for home banking systems
G07F 19/00 - Complete banking systemsCoded 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 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
A mechanism for actuating a boltwork sensing switch in an Automated Transaction Machine (ATM) includes linear actuators that are rigidly affixed to a bracket. The actuators are operable to linearly move the bracket in synchronized linear movement with the actuators. In operation, as the actuators move the bracket, a distal end of the bracket will come into contact with a switch, causing the switch to change its binary status from either open to closed or closed to open. The signal from the switch, which indicates whether the main bolt is open or closed, is detected by a main processor of an Automated Transaction Machine.
E05C 1/06 - Fastening devices with bolts moving rectilinearly without latching action with operating handle or equivalent member moving otherwise than rigidly with the bolt
A sensing apparatus can be configured to detect an edge of a paper that is received by an automated transaction machine (ATM). The paper can move along a path located inside the ATM, the path having opposite first and second sides. The sensing apparatus can include a light emitter and a light detector on the first side of the path, with the light emitter positioned so that it can emit light across the path to the second side. The light detector can be configured to detect light from the light emitter and can emit a signal corresponding to an amount of detected light. The sensing apparatus can also include a control circuit that can control a flow of power to the light emitter, and the control circuit can also receive the signal emitted by the sensor.
B65H 7/10 - 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 side register
G07D 11/237 - Means for sensing or detection for monitoring or indicating operating conditionsMeans for sensing or detection for detecting malfunctions for detecting transport malfunctions, e.g. jams or misfeeds
G07D 11/40 - Device architecture, e.g. modular construction
B65H 7/14 - 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 by photoelectric feelers or detectors
A document-collecting apparatus of an automated transaction can include a document-retaining spool, a document-retaining-spool shaft, a web-supply spool, a web-supply-spool shaft, a web, and a single motor. The document-retaining-spool shaft can extend through an orifice in a center of the document-retaining spool. The web-supply-spool shaft can extend through an orifice in a center of the web-supply spool. The web can have a first end wound around the document-retaining spool and a second end opposite to the first end and wound around the web-supply spool. The single motor can be operatively connected to and can selectively drive the document-retaining-spool shaft and the web-supply-spool shaft.
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.
G06Q 20/10 - Payment architectures specially adapted for electronic funds transfer [EFT] systemsPayment architectures specially adapted for home banking systems
G07F 19/00 - Complete banking systemsCoded 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 43/00 - Use of control, checking, or safety devices, e.g. automatic devices comprising an element for sensing a variable
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
H04L 9/32 - Arrangements for secret or secure communicationsNetwork security protocols including means for verifying the identity or authority of a user of the system
In accordance with an example embodiment there is disclosed herein a method for authenticating a touch screen layout. A file containing the touch screen layout is signed by a key known to the device that is to deploy the touch screen layout, such as, for example an automated banking machine and/or a point of sale system. Before the touch screen is used by the device's user interface, the device validates the touch screen.
H04W 4/80 - Services using short range communication, e.g. near-field communication [NFC], radio-frequency identification [RFID] or low energy communication
H04L 9/32 - Arrangements for secret or secure communicationsNetwork security protocols including means for verifying the identity or authority of a user of the system
G06F 3/04883 - Interaction techniques based on graphical user interfaces [GUI] using specific features provided by the input device, e.g. functions controlled by the rotation of a mouse with dual sensing arrangements, or of the nature of the input device, e.g. tap gestures based on pressure sensed by a digitiser using a touch-screen or digitiser, e.g. input of commands through traced gestures for inputting data by handwriting, e.g. gesture or text
An automated transaction machine (ATM) can include a housing, a display, a cash recycler, and a check receiver. The display can be mounted to the housing and directed toward an exterior of the housing. The cash recycler can be configured to receive a first note of currency from a first user of the ATM and dispense the first note of currency to a subsequent, second user of the ATM. The check receiver can be positioned in the housing, an intake portion with an inlet communicating with the exterior of the housing, and a check reader portion configured to receive a check from the intake portion, scan data displayed on the check, and store the check. The intake portion can be positioned below the display and the check reader portion is positioned behind the display.
G07D 11/40 - Device architecture, e.g. modular construction
G06K 7/10 - Methods or arrangements for sensing record carriers by electromagnetic radiation, e.g. optical sensingMethods or arrangements for sensing record carriers by corpuscular radiation
G06Q 20/10 - Payment architectures specially adapted for electronic funds transfer [EFT] systemsPayment architectures specially adapted for home banking systems
G06Q 40/02 - Banking, e.g. interest calculation or account maintenance
G07F 19/00 - Complete banking systemsCoded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
In an example embodiment, there is described in here a method for pre-staging transactions that permit a banking customer to either transfer money to a third party or to themselves. In particular embodiments, a token is generated that can be used multiple times by the recipient.
G06Q 20/10 - Payment architectures specially adapted for electronic funds transfer [EFT] systemsPayment architectures specially adapted for home banking systems
G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
G06Q 20/36 - Payment architectures, schemes or protocols characterised by the use of specific devices using electronic wallets or electronic money safes
G07F 19/00 - Complete banking systemsCoded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
A financial transaction computing system can include an ATM and a prestaging module. The ATM can have one or more processors, a first transceiver, one or more cash cassettes, a slot exposed on an exterior of the ATM and communicating with the one or more cash cassettes, and a banknote dispensing module at least configured to move banknotes from the one or more cash cassettes to the slot. The pre-staging module can have one or more processors, a first memory, and a second transceiver. The pre-staging module can also be configured to communicate with the ATM over a wireless public network to receive a token from the ATM over the wireless public network. The pre-staging module can be configured to retrieve a pre-staged transaction from the first memory in response to receiving the token from the ATM.
G06F 21/57 - Certifying or maintaining trusted computer platforms, e.g. secure boots or power-downs, version controls, system software checks, secure updates or assessing vulnerabilities
G06F 21/85 - Protecting input, output or interconnection devices interconnection devices, e.g. bus-connected or in-line devices
G06Q 20/10 - Payment architectures specially adapted for electronic funds transfer [EFT] systemsPayment architectures specially adapted for home banking systems
G07F 19/00 - Complete banking systemsCoded 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
A modular ATM is disclosed herein and can include a safe with a first port, at least one currency cassette and dispenser both positioned in the safe, a currency conveyor, and a plurality of linking transport assemblies. The dispenser can move banknotes between the cassette and the first port. The currency conveyor can be positioned on the safe, have second and third ports, and move banknotes between the second and third ports. The currency conveyor can be positionable in a plurality of different orientations and offsets relative to the safe. The plurality of linking transport assemblies can each be individually engageable with the currency conveyor. Each of the linking transport assembly moves banknotes between the first port of the safe and the second port of the currency conveyor. Each linking transport assembly is individually positionable between the safe and the currency conveyor.
G07D 11/18 - Diverting into different paths or containers
G07F 19/00 - Complete banking systemsCoded 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 11/237 - Means for sensing or detection for monitoring or indicating operating conditionsMeans for sensing or detection for detecting malfunctions for detecting transport malfunctions, e.g. jams or misfeeds
A modular ATM is disclosed herein and can include a safe with a first port, at least one currency cassette and dispenser both positioned in the safe, a recycler, and a plurality of linking transport assemblies. The dispenser can move banknotes between the cassette and the first port. The recycler can be positioned on the safe, have second and third ports, and move banknotes between the second and third ports. The recycler can be positionable in a plurality of different orientations and offsets relative to the safe. The plurality of linking transport assemblies can each be individually engageable with the recycler. Each of the linking transport assembly moves banknotes between the first port of the safe and the second port of the recycler. Each linking transport assembly is individually positionable between the safe and the recycler.
G06Q 40/00 - FinanceInsuranceTax strategiesProcessing of corporate or income taxes
G07F 19/00 - Complete banking systemsCoded 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 11/18 - Diverting into different paths or containers
G07D 11/237 - Means for sensing or detection for monitoring or indicating operating conditionsMeans for sensing or detection for detecting malfunctions for detecting transport malfunctions, e.g. jams or misfeeds
A method of performing autonomous mobile services can include receiving, with a server, a first input corresponding to a request for mobile services, a payment account associated with a user, and an exchange location. The server can control an autonomous vehicle to move to the exchange location. An article holding unit of the vehicle can receive the user and can hold furniture or tools with radio frequency identification tags. The server can receive a second input from an authentication device positioned on the vehicle that corresponds to payment. A door to the holding unit can be opened in response to receipt of the second input. The user can then be received in the article holding unit. The autonomous vehicle can remain at the exchange location until the user has left the article holding unit.
A method of operating an automated transaction machine (ATM) can include receiving a token from a user. The method can also include confirming a personal identification number (PIN) of the user and dispensing banknotes in response to the confirming. The method can also include at least partially disengaging a first component of the ATM from a remainder of the ATM. The method can also include altering the first component to a non-conforming condition after being at least partially disengaged. The method can also include re-engaging the first component with the ATM after being altered. The method can also include replacing a second component of the ATM after the re-engaging. Replacing the second component can include pairing the second component with a computing device of the ATM. The pairing can be responsive at least in part to the altering.
G06Q 20/10 - Payment architectures specially adapted for electronic funds transfer [EFT] systemsPayment architectures specially adapted for home banking systems
G07F 19/00 - Complete banking systemsCoded 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 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
A card reader includes a user-card-insertion slot operatively connected to user-card path. A data-reader is located in an interior of the card reader. A plate is located in the interior of the card reader. The plate is adjacent to the data-reader and interior to the user-card-insertion slot. The plate is configured to block the insertion of a skimming or shimming device and to bend during an attempt to remove the plate from the interior of the card reader. The plate may be configured such that a power connection between the plate and a circuit supplying power to the card reader may be broken during an attempt to remove the plate from the interior of the card reader.
G07F 19/00 - Complete banking systemsCoded 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 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
A method for inputting pin blocks to a network can include receiving a first pin from a key pad with an encryption module, which is then encrypted to a first pin block with a network encryption key and transmitted to a first computing device that inputs the first pin block to a secure network. The encryption module can also receive a second pin block from a second computing device that is physically separate from the key pad. Prior to receiving the second pin block, the encryption module can transmit a certificate and a second certificate to the second computing device. The encryption module can decrypt the second pin block to a second pin and encrypt the second pin to a third pin block with the network encryption key, for inputting the third pin block to the secure network.
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
G07F 19/00 - Complete banking systemsCoded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
H04L 9/32 - Arrangements for secret or secure communicationsNetwork security protocols including means for verifying the identity or authority of a user of the system
35.
METHOD OF OPERATING AN AUTOMATED TRANSACTION MACHINE FOR ENHANCED SECURITY
A method performed by an automated transaction machine (ATM) can include maintaining, with the ATM, a count of disbursement commands received by the ATM that require the ATM to dispense a stack size of currency greater than or equal to a first predetermined amount. The method can also include comparing, with the ATM, the count to a second predetermined amount. The method can also include aborting, by the ATM, a first disbursement command that requires a stack size of currency to be dispensed by the ATM that is greater than or equal to the first predetermined amount in response to said comparing when the count is greater than or equal to the second predetermined amount.
G06Q 20/10 - Payment architectures specially adapted for electronic funds transfer [EFT] systemsPayment architectures specially adapted for home banking systems
G07F 19/00 - Complete banking systemsCoded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
An Automated Transaction Machine (ATM) is associated with a beacon. The beacon may communicate with an electronic device running a software application that is configured to detect the beacon. The software application may have a reaction based upon the detection of the beacon. The ATM or related systems may respond to data directly or indirectly from the software application to make a customization or take other action based there on.
G06Q 20/10 - Payment architectures specially adapted for electronic funds transfer [EFT] systemsPayment architectures specially adapted for home banking systems
G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
G07F 19/00 - Complete banking systemsCoded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
G07C 9/00 - Individual registration on entry or exit
In an example embodiment, there is described herein an automated banking machine with a user interface that enables a customer perform a financial transaction. The automated banking machine also comprises a first interface for communicating with a remote service provide and a second interface that can communicate with a customer service device. Upon receiving an input from the customer requesting assistance, the automated banking machine establishes a communication link between the remote service provider and the customer device. The communication link enables audio, video, or a combination of audio and video data to be sent between the customer device and the remote service provider.
G06Q 40/00 - FinanceInsuranceTax strategiesProcessing of corporate or income taxes
G06Q 20/10 - Payment architectures specially adapted for electronic funds transfer [EFT] systemsPayment architectures specially adapted for home banking systems
H04W 4/80 - Services using short range communication, e.g. near-field communication [NFC], radio-frequency identification [RFID] or low energy communication
G07F 19/00 - Complete banking systemsCoded 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 19/06 - Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
H04B 5/00 - Near-field transmission systems, e.g. inductive or capacitive transmission systems
A method for intaking a bag containing currency or bank checks can include receiving, at a first computing device having one or more processors, a first input from a second computing device the defines a pre-staged transaction. The method can also include generating, with the first computing device, a scannable token correlated to the first input and communicated to the second computing device. The method can also include scanning, with a scanner at an after-hours depository (AHD), the scannable token from a display of the second computing device. The method can also include controlling, with a third computing device of the AHD, an actuator to unlock a door of the AHD and receiving the bag through an inlet of a chute of the AHD that extends between the door and a safe of the AHD.
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
G07C 9/00 - Individual registration on entry or exit
39.
Application interface and database structures to remotely manage bios settings of automated teller machines
A method for controlling at least one setting of a basic input output system (BIOS) of at least one automated transaction machine (ATM) can include provisioning features of an active management technology system of a first computing device associated with an ATM. The method can also include establishing an initial trust between the first computing device and a second computing device that is remote from the first computing device, over a serial-over-lan (SOL) connection that is a feature of the active management technology system. The method can also include configuring the setting of the BIOS of the first computing device and storing a schedule for changing the setting of the BIOS. The method can also include reconfiguring the setting of the BIOS in response to the schedule stored on the database over the SOL.
G06Q 20/10 - Payment architectures specially adapted for electronic funds transfer [EFT] systemsPayment architectures specially adapted for home banking systems
40.
Self Service Terminal With Magnetic Card Reader and Optical Scanner
A self-service terminal can include a computing device, a display, a transceiver, a card module, an optical scanner, and a radiation source. The display can be in communication with the computing device and be controlled by the computing device. The computing device can be configured to transmit and receive data through the transceiver. The card module can have an intake and card reader configured to read a chip or a magnetic strip. At least part of a path of movement of the card through the self-service terminal can be defined by the card module. The scanner can be positioned on a first side of the path to capture an image of a first side of the card. The radiation source can emit radiation at an area of the card when the image is being captured.
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 7/14 - Methods or arrangements for sensing record carriers by electromagnetic radiation, e.g. optical sensingMethods or arrangements for sensing record carriers by corpuscular radiation using light without selection of wavelength, e.g. sensing reflected white light
G06K 7/00 - Methods or arrangements for sensing record carriers
41.
Center de-skew subassembly to center align documents
A center-alignment apparatus for use in an ATM has a transport mechanism to transport a document into the ATM. One or more plates operable in tandem to move the document toward a centerline of a path the document is to travel. Edge-detection sensor(s) on the plate sense an edge of the document when the plate(s) is moved toward the centerline. A translate/rotate mechanism translates and rotates the document while the translate/rotate mechanism transversely moves the document toward the center until another edge-detection sensor detects an edge of the document to create a parallel-aligned document. The control logic controls the plate(s) to centers the parallel-aligned document about the centerline to create a centered document.
B65H 7/10 - 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 side register
B65H 9/10 - Pusher or like movable registersPusher or gripper devices which move articles into registered position
B65H 9/00 - Registering, e.g. orientating, articlesDevices therefor
G07F 19/00 - Complete banking systemsCoded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
G06V 30/224 - Character recognition characterised by the type of writing of printed characters having additional code marks or containing code marks
A modular ATM can include a cabinet module and a head module. The cabinet module can include an outer housing, a chest positioned in the outer housing to store notes of value, a transport mechanism to move the notes of value out of the chest, a base receiving section, and a first electrical connector forming an electrical connection to the transport mechanism. The head module can be removably engageable with the cabinet module and include a computing device, at least one user-interface device controlled by the computing device, a main structure supporting the at least one user-interface device and the computing device, a rear shroud connected to the main structure, a base supporting the main structure and the rear shroud, and a second electrical connector mounted in the base and forming an electrical connection to the computing device.
G06K 7/10 - Methods or arrangements for sensing record carriers by electromagnetic radiation, e.g. optical sensingMethods or arrangements for sensing record carriers by corpuscular radiation
G06Q 20/10 - Payment architectures specially adapted for electronic funds transfer [EFT] systemsPayment architectures specially adapted for home banking systems
H02J 7/00 - Circuit arrangements for charging or depolarising batteries or for supplying loads from batteries
G07F 19/00 - Complete banking systemsCoded 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 17/12 - Coin-freed apparatus for hiring articlesCoin-freed facilities or services for means for safe-keeping of property, left temporarily, e.g. by fastening the property comprising lockable containers, e.g. for accepting clothes to be cleaned
Disclosed herein is a method where a consumer employs a device associated with the user to scans tags associated with items for purchase. The consumer can pay for the items using the device associated with the user. A point of sale (“POS”) terminal or other such device associated with the merchant scans tags associated with items associated with the user and reconciles the items scanned by the device associated with the user with the items scanned by the device associated with the merchant.
An automatic transaction machine (ATM) prints on both sides of a document having a first side and a second side. A printer rotates about a printer axis allowing the printer to move between a first positon and a second position. A transport moves a document adjacent the printer in the first position. While in the first position the printer is configured to print on a first side of the document as the document passes the printer on the transport. A document spool with a spool axis receives the document from the transport and at least partially rotates the document so the first side of the document is facing toward the spool axis. The printer rotates about the printer axis to the second position to print on the second side of the document that is facing outward away from the spool axis.
B41J 3/60 - Typewriters or selective printing or marking mechanisms characterised by the purpose for which they are constructed for printing on both faces of the printing material
B41J 25/316 - Bodily-movable mechanisms for print heads or carriages movable towards or from paper surface with tilting motion mechanisms relative to paper surface
G07F 19/00 - Complete banking systemsCoded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
A managing computing device positioned in an ATM can receive a dispense request for an amount of currency and account information from a user. A controller of a currency dispenser can generate a first number. The first number, the dispense request, and the account information can be sent to a remote, host computing device that shares a secret key with the controller. The host device can generate a first message authentication code (MAC) based on at least one of the first number and the amount of currency and can send it to the controller. The controller can generate a second MAC based on at least one of the first number and the amount of currency, confirm identity between the first and second MACs, and control the currency dispenser to dispense the amount of currency to the user.
G07F 19/00 - Complete banking systemsCoded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
H04L 9/32 - Arrangements for secret or secure communicationsNetwork security protocols including means for verifying the identity or authority of a user of the system
An automated transaction machine can include a user-interface device, a computing device, a battery, a head portion, a first socket-half, a first electrical rail, and a relay. The a user-interface device can be configured to receive an input from a user and transmit the input. The computing device can receive the input. The battery can selectively direct electric power to the user-interface device and the computing device, which can all be housed in the head portion. The first socket-half can be exposed on an outside surface of the head portion and direct power to the user-interface device, the computing device, and the battery. The relay can be arranged to connect the battery and the first electrical rail in a first configuration and be switched between the first configuration and the second configuration by an output signal of the first socket-half.
G06Q 20/10 - Payment architectures specially adapted for electronic funds transfer [EFT] systemsPayment architectures specially adapted for home banking systems
G07F 19/00 - Complete banking systemsCoded 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 11/40 - Device architecture, e.g. modular construction
G06K 7/10 - Methods or arrangements for sensing record carriers by electromagnetic radiation, e.g. optical sensingMethods or arrangements for sensing record carriers by corpuscular radiation
H02J 7/00 - Circuit arrangements for charging or depolarising batteries or for supplying loads from batteries
G07F 17/12 - Coin-freed apparatus for hiring articlesCoin-freed facilities or services for means for safe-keeping of property, left temporarily, e.g. by fastening the property comprising lockable containers, e.g. for accepting clothes to be cleaned
A system provides for a self-checkout terminal with various components. A receiver receives shopping data including prices of items that a customer has physically acquired or placed in a cart. A payment logic receives credential information associated with a monetary account for paying for the items. A message logic creates checkout data that includes data representing the collection of purchase items. A transmitter transmits the credential information to an account network for authentication and the receiver receives a response indicating if the monetary account is valid. The payment logic/self-checkout terminal indicates to the customer that a payment using the monetary account for the purchase items is authorized or not. When authorized, an authorization is received at the self-checkout terminal before the customer arrives at the terminal and the self-checkout terminal causes a payment transaction to be executed to provide for self-checkout using the monetary account without assistance by another person.
G06K 19/06 - Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
G06Q 20/10 - Payment architectures specially adapted for electronic funds transfer [EFT] systemsPayment architectures specially adapted for home banking systems
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 credentialsReview and approval of payers, e.g. check of credit lines or negative lists
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.
G07F 19/00 - Complete banking systemsCoded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
A mounting bracket comprising a first (top) surface with a slot, second (bottom) surface, and a shield (front) surface extending between the top and bottom surfaces, and two side (right and left) surfaces coupled with the top, bottom, and front surfaces. A cavity is formed by the top, bottom, front, left, and right surfaces. Mounts on the top surface enable a housing to be mounted on the top surface. Mounts coupled with the left and right edge surfaces enable the bracket to mounted on an external surface. Optionally, the top surface may further comprise a hidden mount on the distal edge of the top surface, the hidden mount is hidden when a housing is mounted on the top surface and/or a security pin. When the bracket is mounted to an external surface, the slot in the top surface allows a connector to extend from the cavity to the housing.
An embodiment includes an apparatus in an ATM to transport a document. The apparatus includes a feed wheel, a stripping tire, a clutch outer-hub and a clutch inner-hub. The feed wheel may be rotated by a first-rotational driver to move the document in a forward direction while the stripping tire is rotated by movable contact with the feed wheel. The clutch inner-hub prevents the stripping tire from rotating in a direction to cause the document to move in a reverse direction when the first-rotational driver rotates the feed wheel. Alternatively, the stripping tire is rotated by a second-rotational driver to move the document in the reverse direction when the feed wheel is not rotated by a first-rotational driver while the clutch outer-hub prevents the stripping tire from rotating in a direction to cause the document to move in the forward direction.
B65H 3/52 - Friction retainers acting on under or rear side of article being separated
G07F 19/00 - Complete banking systemsCoded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
A center-alignment apparatus for use in an ATM has a transport mechanism to transport a document into the ATM. One or more plates operable in tandem to move the document toward a centerline of a path the document is to travel. Edge-detection sensor(s) on the plate sense an edge of the document when the plate(s) is moved toward the centerline. A translate/rotate mechanism translates and rotates the document while the translate/rotate mechanism transversely moves the document toward the center until another edge-detection sensor detects an edge of the document to create a parallel-aligned document. The control logic controls the plate(s) to centers the parallel-aligned document about the centerline to create a centered document.
B65H 7/10 - 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 side register
B65H 9/10 - Pusher or like movable registersPusher or gripper devices which move articles into registered position
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
G07F 19/00 - Complete banking systemsCoded 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 9/00 - Registering, e.g. orientating, articlesDevices therefor
An automated transaction machine can include at least one currency cassette, a currency recycler, a user interface, a transceiver, a shell, a door, a slot, and a cart. The currency recycler can extract banknotes held by the currency cassette. The user interface can receive an input from a user corresponding to a request for currency dispensing. The transceiver can transmit the input remotely for approval. The shell can have an interior at least partially enclosing the currency cassette and the door can close the interior. The cart can have a holding portion and a plurality of wheels. The currency cassette can be carried by the holding portion and rest on the wheels. Lowermost edges of the wheels can be lower than lowermost edges of the holding portion and the currency cassette when the currency cassette is in the interior.
G07F 19/00 - Complete banking systemsCoded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
A financial transaction computing system can include an ATM and a prestaging module. The ATM can have one or more processors, a first transceiver, one or more cash cassettes, a slot exposed on an exterior of the ATM and communicating with the one or more cash cassettes, and a banknote dispensing module at least configured to move banknotes from the one or more cash cassettes to the slot. The pre-staging module can have one or more processors, a first memory, and a second transceiver. The pre-staging module can also be configured to communicate with the ATM over a wireless public network to receive a token from the ATM over the wireless public network. The pre-staging module can be configured to retrieve a pre-staged transaction from the first memory in response to receiving the token from the ATM.
G06F 21/57 - Certifying or maintaining trusted computer platforms, e.g. secure boots or power-downs, version controls, system software checks, secure updates or assessing vulnerabilities
G06F 21/85 - Protecting input, output or interconnection devices interconnection devices, e.g. bus-connected or in-line devices
G06Q 20/10 - Payment architectures specially adapted for electronic funds transfer [EFT] systemsPayment architectures specially adapted for home banking systems
G07F 19/00 - Complete banking systemsCoded 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
56.
Automated teller machine with an encrypting card reader and an encrypting pin pad
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.
G07F 19/00 - Complete banking systemsCoded 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 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview 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
G06Q 20/10 - Payment architectures specially adapted for electronic funds transfer [EFT] systemsPayment architectures specially adapted for home banking systems
In accordance with an example embodiment, there is disclosed herein an example of using a distributed ledger to track a chain of custody. In accordance with another example embodiment, there is disclosed herein an example of using a distributed ledger that can allow for aggregation of data from multiple sources while maintaining without disclosing the source of individual data records. In yet another example embodiment, there is disclosed herein an example of using a distributed ledger for smart financial institution products such as loan origination. In still yet another example embodiment, there is described herein an example of using a distributed ledger to track debt information.
G07F 19/00 - Complete banking systemsCoded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
H04L 29/08 - Transmission control procedure, e.g. data link level control procedure
H04L 9/06 - Arrangements for secret or secure communicationsNetwork security protocols the encryption apparatus using shift registers or memories for blockwise coding, e.g. D.E.S. systems
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 embodiment 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.
B65H 43/00 - Use of control, checking, or safety devices, e.g. automatic devices comprising an element for sensing a variable
G06Q 20/10 - Payment architectures specially adapted for electronic funds transfer [EFT] systemsPayment architectures specially adapted for home banking systems
G07F 19/00 - Complete banking systemsCoded 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 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
H04L 9/32 - Arrangements for secret or secure communicationsNetwork security protocols including means for verifying the identity or authority of a user of the system
A method, such as for executing electronic financial transactions, is disclosed herein. The method can include arranging an automated bank terminal and a bank core in communication with one another over a secured internal bank network. The method can also include receiving, at the automated bank terminal, a banking transaction request from a user wherein the banking transaction request is defined by a plurality of transaction details. The method can also include directing, with the automated bank terminal, the banking transaction request to a partner switch outside of the secured internal bank network in response to receiving the banking transaction request.
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
G06Q 20/10 - Payment architectures specially adapted for electronic funds transfer [EFT] systemsPayment architectures specially adapted for home banking systems
G07F 19/00 - Complete banking systemsCoded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
An automated-transaction machine includes a fascia gate mechanism for presenting and accepting notes of value. The fascia gate mechanism maintains structural integrity of the automated-transaction machine before a transaction, during a transaction, and after a transaction has taken place. The fascia gate mechanism comprises a separable gear drive for the opening and closing of the fascia gate.
G07F 19/00 - Complete banking systemsCoded 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 7/14 - 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 by photoelectric feelers or detectors
In an example embodiment disclosed herein, a first clock is allowed to synchronize with a second clock as long as the time difference between the first and second clocks is less than a predefined limit. If the time difference between the clocks is not less than the predefined limit, the first clock does not synchronize with the second clock until a predefined activity has occurred.
G09C 1/00 - Apparatus or methods whereby a given sequence of signs, e.g. an intelligible text, is transformed into an unintelligible sequence of signs by transposing the signs or groups of signs or by replacing them by others according to a predetermined system
H04L 9/32 - Arrangements for secret or secure communicationsNetwork security protocols including means for verifying the identity or authority of a user of the system
G06F 1/14 - Time supervision arrangements, e.g. real time clock
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.
G07F 9/02 - Devices for alarm or indication, e.g. when emptyAdvertising arrangements in coin-freed apparatus
G06Q 20/10 - Payment architectures specially adapted for electronic funds transfer [EFT] systemsPayment architectures specially adapted for home banking systems
G07F 19/00 - Complete banking systemsCoded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
In an example embodiment, there is disclosed herein an automated banking machine that includes an instrument acceptor operable to receive financial instruments. The machine is operable to cause user data obtained from a user during a user session with the machine to be sent to a transaction authorizing host computer. The machine is operable to generate an electronic deposit slip that includes a data representative of a financial account associated with the user data, and a value of value of a financial instrument received by the instrument acceptor during the user session. The electronic deposit slip to be sent to a server that is remotely located from the automated banking machine and data representative of the value of the financial instrument is sent to the authorizing host terminal to cause the financial account to be credited an amount corresponding to the value of the financial instrument.
G07F 19/00 - Complete banking systemsCoded 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 electronic funds transfer [EFT] systemsPayment architectures specially adapted for home banking systems
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
G06K 9/00 - Methods or arrangements for reading or recognising printed or written characters or for recognising patterns, e.g. fingerprints
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 - Complete banking systemsCoded 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 11/13 - Containers for valuable papers with internal means for handling valuable papers
G07D 11/18 - Diverting into different paths or containers
G07D 11/237 - Means for sensing or detection for monitoring or indicating operating conditionsMeans for sensing or detection for detecting malfunctions for detecting transport malfunctions, e.g. jams or misfeeds
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.
G07F 19/00 - Complete banking systemsCoded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
Described in an example embodiment herein is an apparatus that comprises a safe having first and second openings, a document accepting device located within the safe, a document destruction device located within the safe that is coupled with the document accepting device, and a destroyed document storage device located outside of the safe. The document accepting device is operable to receive a document via the first opening and to forward the document to the document destruction device. The document destruction device is operable to destroy the document; and convey the destroyed document via the second opening the destroyed document storage device.
G07F 19/00 - Complete banking systemsCoded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
B02C 25/00 - Control arrangements specially adapted for crushing or disintegrating
B02C 18/00 - Disintegrating by knives or other cutting or tearing members which chop material into fragmentsMincing machines or similar apparatus using worms or the like
A system and method provide for enhanced in-lobby-teller (ILT) machines. A banking system includes a local switch, a bank core, a teller terminal, and an ILT machine. The teller terminal allows a bank teller to approve customer requests entered at an ILT. The ILT receives requests and determines if teller approval is needed for the request. If so, the request is forwarded to a teller/teller terminal. When approved, an indication is set in the banking request and the now approved request is sent back to the ILT machine. The ILT machine detects the approval indication and transmits the request to the external-partner switch. This switch returns the transaction request to the local bank switch for forwarding to the bank core. The core may update account information associated with the banking request and then route it back to the ILT where any remaining tasks of the transaction request are completed.
G06Q 20/10 - Payment architectures specially adapted for electronic funds transfer [EFT] systemsPayment architectures specially adapted for home banking systems
G06Q 20/02 - Payment architectures, schemes or protocols involving a neutral third party, e.g. certification authority, notary or trusted third party [TTP]
G07F 19/00 - Complete banking systemsCoded 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
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
71.
Banking system controlled responsive to data bearing records
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.
G06Q 20/10 - Payment architectures specially adapted for electronic funds transfer [EFT] systemsPayment architectures specially adapted for home banking systems
G07F 19/00 - Complete banking systemsCoded 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 3/0481 - Interaction techniques based on graphical user interfaces [GUI] based on specific properties of the displayed interaction object or a metaphor-based environment, e.g. interaction with desktop elements like windows or icons, or assisted by a cursor's changing behaviour or appearance
G06F 3/0482 - Interaction with lists of selectable items, e.g. menus
G06F 3/0484 - Interaction techniques based on graphical user interfaces [GUI] for the control of specific functions or operations, e.g. selecting or manipulating an object, an image or a displayed text element, setting a parameter value or selecting a range
G06F 3/0488 - Interaction techniques based on graphical user interfaces [GUI] using specific features provided by the input device, e.g. functions controlled by the rotation of a mouse with dual sensing arrangements, or of the nature of the input device, e.g. tap gestures based on pressure sensed by a digitiser using a touch-screen or digitiser, e.g. input of commands through traced gestures
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
G09G 5/12 - Synchronisation between the display unit and other units, e.g. other display units, video-disc players
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.
G07D 11/18 - Diverting into different paths or containers
G07F 19/00 - Complete banking systemsCoded 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 1/00 - Supports or magazines for piles from which articles are to be separated
B65H 5/06 - Feeding articles separated from pilesFeeding articles to machines by rollers
B65H 43/04 - Use of control, checking, or safety devices, e.g. automatic devices comprising an element for sensing a variable detecting, or responding to, presence of faulty articles
73.
Automated transaction machine with articulated note acceptor-presenter
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 - Complete banking systemsCoded 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 11/40 - Device architecture, e.g. modular construction
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.
G07F 19/00 - Complete banking systemsCoded 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 29/20 - Delivering or advancing articles from machinesAdvancing articles to or into piles by contact with rotating friction members, e.g. rollers, brushes, or cylinders
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
G06Q 20/10 - Payment architectures specially adapted for electronic funds transfer [EFT] systemsPayment architectures specially adapted for home banking systems
G06Q 40/02 - Banking, e.g. interest calculation or account maintenance
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.
B65H 5/36 - Article guides or smoothers, e.g. movable in operation
G07D 11/235 - Means for sensing or detection for monitoring or indicating operating conditionsMeans for sensing or detection for detecting malfunctions
G07F 19/00 - Complete banking systemsCoded 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
G07D 11/26 - Servicing, repairing or coping with irregularities, e.g. power failure or vandalism
G07D 11/237 - Means for sensing or detection for monitoring or indicating operating conditionsMeans for sensing or detection for detecting malfunctions for detecting transport malfunctions, e.g. jams or misfeeds
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 embodiment 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.
H04L 9/32 - Arrangements for secret or secure communicationsNetwork security protocols including means for verifying the identity or authority of a user of the system
G06Q 20/10 - Payment architectures specially adapted for electronic funds transfer [EFT] systemsPayment architectures specially adapted for home banking systems
G07F 19/00 - Complete banking systemsCoded 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 43/00 - Use of control, checking, or safety devices, e.g. automatic devices comprising an element for sensing a variable
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
H04L 29/06 - Communication control; Communication processing characterised by a protocol
77.
Automated banking machine with slide mounted devices
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.
G06Q 20/10 - Payment architectures specially adapted for electronic funds transfer [EFT] systemsPayment architectures specially adapted for home banking systems
G07F 19/00 - Complete banking systemsCoded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
78.
Movable platen in document handling systems for an automated teller machine
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.
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
G07F 19/00 - Complete banking systemsCoded 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
B65H 5/36 - Article guides or smoothers, e.g. movable in operation
B65H 3/66 - Article guides or smoothers, e.g. movable in operation
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.
G07F 19/00 - Complete banking systemsCoded 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 20/10 - Payment architectures specially adapted for electronic funds transfer [EFT] systemsPayment architectures specially adapted for home banking systems
G06Q 40/00 - FinanceInsuranceTax strategiesProcessing 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 credentialsReview and approval of payers, e.g. check of credit lines or negative lists
In an example embodiment, there is described in here a method for pre-staging transactions that permit a banking customer to either transfer money to a third party or to themselves. In particular embodiments, a token is generated that can be used multiple times by the recipient.
G06Q 20/14 - Payment architectures specially adapted for billing systems
G06Q 20/10 - Payment architectures specially adapted for electronic funds transfer [EFT] systemsPayment architectures specially adapted for home banking systems
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
G07F 19/00 - Complete banking systemsCoded 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 20/36 - Payment architectures, schemes or protocols characterised by the use of specific devices using electronic wallets or electronic money safes
Described herein is a technique for cashing a check at an automated banking machine. A check is presented via a check acceptor which obtains check data from the check, the check data comprises an amount. If the amount of the check is greater than a predetermined threshold, or limit, the user is asked to provide additional identification, such as a driver's license. A driver's license scanner reads data from the driver's license. The data read from a driver's license may include a hologram and/or a bar code.
G06Q 20/10 - Payment architectures specially adapted for electronic funds transfer [EFT] systemsPayment architectures specially adapted for home banking systems
G07F 19/00 - Complete banking systemsCoded 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 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
82.
Automated transaction machine with associated beacon
An Automated Transaction Machine (ATM) is associated with a beacon. The beacon may communicate with an electronic device running a software application that is configured to detect the beacon. The software application may have a reaction based upon the detection of the beacon. The ATM or related systems may respond to data directly or indirectly from the software application to make a customization or take other action based there on.
G06Q 20/10 - Payment architectures specially adapted for electronic funds transfer [EFT] systemsPayment architectures specially adapted for home banking systems
G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
G07F 19/00 - Complete banking systemsCoded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
G07C 9/00 - Individual registration on entry or exit
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 - Complete banking systemsCoded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
E04H 1/12 - Small buildings or other erections for limited occupation, erected in the open air or arranged in buildings, e.g. kiosks, waiting shelters for bus stops or for filling stations, roofs for railway platforms, watchmen's huts or dressing cubicles
G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
G06Q 20/10 - Payment architectures specially adapted for electronic funds transfer [EFT] systemsPayment architectures specially adapted for home banking systems
E05G 7/00 - Safety transaction partitions, e.g. movable payplates
H04W 4/80 - Services using short range communication, e.g. near-field communication [NFC], radio-frequency identification [RFID] or low energy communication
G06F 3/0482 - Interaction with lists of selectable items, e.g. menus
G06F 3/04883 - Interaction techniques based on graphical user interfaces [GUI] using specific features provided by the input device, e.g. functions controlled by the rotation of a mouse with dual sensing arrangements, or of the nature of the input device, e.g. tap gestures based on pressure sensed by a digitiser using a touch-screen or digitiser, e.g. input of commands through traced gestures for inputting data by handwriting, e.g. gesture or text
An empties transport system has an airstream transport device with an empties transport conduit, which has a first attachment point for attachment to the reverse vending machine and a second attachment point for attachment to the empties collection container, and an airstream generator, which is attached to the empties transport conduit and is designed to make available, in the empties transport conduit, a transporting airstream by means of which the empties passing via the first attachment point from the reverse vending machine the empties transport conduit are moved to the empties collection container, and an airlock device which is arranged on the first attachment point and via which the empties are transferable from the reverse vending machine to the empties transport conduit.
B65G 51/00 - Conveying articles through pipes or tubes by fluid flow or pressureConveying articles over a flat surface, e.g. the base of a trough, by jets located in the surface
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.
G06Q 20/10 - Payment architectures specially adapted for electronic funds transfer [EFT] systemsPayment architectures specially adapted for home banking systems
H04L 29/08 - Transmission control procedure, e.g. data link level control procedure
G07F 19/00 - Complete banking systemsCoded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
In an example embodiment, there is disclosed herein an apparatus with a transceiver coupled with a bus; and a plurality of interfaces coupled with a plurality of lighting devices, and lead through indicator (LTI) logic coupled with the transceiver and the plurality of interfaces. The LTI logic is operable to receive a signal via the bus with data for operating a selected one of the plurality of lighting devices. The LTI logic determines an interface and a channel for the selected one of the plurality of lighting devices. The LTI logic send a signal to the selected one of the plurality of lighting devices on the connector and channel corresponding to the selected one of the plurality of lighting devices to operate the selected lighting device in accordance with the data for operating the selected one of the plurality of lighting devices.
G07F 19/00 - Complete banking systemsCoded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
H05B 45/24 - Controlling the colour of the light using electrical feedback from LEDs or from LED modules
G09G 3/34 - Control arrangements or circuits, of interest only in connection with visual indicators other than cathode-ray tubes for presentation of an assembly of a number of characters, e.g. a page, by composing the assembly by combination of individual elements arranged in a matrix by control of light from an independent source
H05B 47/165 - Controlling the light source following a pre-assigned programmed sequenceLogic control [LC]
In an example embodiment, there is described herein an automated banking machine with a user interface that enables a customer perform a financial transaction. The automated banking machine also comprises a first interface for communicating with a remote service provide and a second interface that can communicate with a customer service device. Upon receiving an input from the customer requesting assistance, the automated banking machine establishes a communication link between the remote service provider and the customer device. The communication link enables audio, video, or a combination of audio and video data to be sent between the customer device and the remote service provider.
G06Q 40/00 - FinanceInsuranceTax strategiesProcessing of corporate or income taxes
G06Q 20/10 - Payment architectures specially adapted for electronic funds transfer [EFT] systemsPayment architectures specially adapted for home banking systems
H04W 4/80 - Services using short range communication, e.g. near-field communication [NFC], radio-frequency identification [RFID] or low energy communication
G07F 19/00 - Complete banking systemsCoded 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 19/06 - Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
H04B 5/00 - Near-field transmission systems, e.g. inductive or capacitive transmission systems
An automatic-transaction-machine (ATM) has a processor that controls at least portions of some financial transactions conducted by the ATM. A banking computer system associated with the ATM is receives a pre-created transaction request from a customer using a mobile device. When the customer later brings the mobile device to the ATM, the ATM presents transaction-verification data to be received by the mobile device. The ATM is configured to receive mobile-verification data back from the mobile device that is responsive to the transaction-verification data. When the mobile-verification data is authenticated by the banking computer system the ATM is configured to execute the pre-created transaction request.
G06Q 20/10 - Payment architectures specially adapted for electronic funds transfer [EFT] systemsPayment architectures specially adapted for home banking systems
G07F 19/00 - Complete banking systemsCoded 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 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
In an example embodiment, an automated banking machine that allows a customer to employ a mobile wireless device for performing banking transactions. The customer may request assistance from a teller or other bank personnel at a remote location. An audio, and optionally video, communication may be initiated between the remote location and the customer. The customer may use either the automated banking machine, mobile wireless device, or both for communicating with the remote location.
G07F 19/00 - Complete banking systemsCoded 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 electronic funds transfer [EFT] systemsPayment architectures specially adapted for home banking systems
G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
90.
Accepting a check deposit from a mobile device in communication with an automated teller machine
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.
G07F 19/00 - Complete banking systemsCoded 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 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview 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
A system provides for a self-checkout terminal with various components. A receiver receives shopping data including prices of items that a customer has physically acquired or placed in a cart. A payment logic receives credential information associated with a monetary account for paying for the items. A message logic creates checkout data that includes data representing the collection of purchase items. A transmitter transmits the credential information to an account network for authentication and the receiver receives a response indicating if the monetary account is valid. The payment logic/self-checkout terminal indicates to the customer that a payment using the monetary account for the purchase items is authorized or not. When authorized, an authorization is received at the self-checkout terminal before the customer arrives at the terminal and the self-checkout terminal causes a payment transaction to be executed to provide for self-checkout using the monetary account without assistance by another person.
G06K 19/06 - Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
G06Q 20/10 - Payment architectures specially adapted for electronic funds transfer [EFT] systemsPayment architectures specially adapted for home banking systems
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 credentialsReview and approval of payers, e.g. check of credit lines or negative lists
In an example embodiment, there is described herein an method comprising a cassette operable to store documents, the cassette having an external surface, an electrophoretic display coupled with the external surface, and a wireless interface coupled with the cassette and operably coupled with the electrophoretic display. In particular embodiments, the electrophoretic display is operable to receive data representative of configuration from a wireless device in data communication with the wireless interface.
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 systemsCoded 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 electronic funds transfer [EFT] systemsPayment architectures specially adapted for home banking systems
G06K 19/06 - Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
93.
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.
G06Q 40/00 - FinanceInsuranceTax strategiesProcessing of corporate or income taxes
G07F 19/00 - Complete banking systemsCoded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
94.
Automated banking machine that operates responsive to data bearing records
In an example embodiment, there is disclosed herein an automated banking machine that includes an instrument acceptor operable to receive financial instruments. The machine is operable to cause user data obtained from a user during a user session with the machine to be sent to a transaction authorizing host computer. The machine is operable to generate an electronic deposit slip that includes a data representative of a financial account associated with the user data, and a value of value of a financial instrument received by the instrument acceptor during the user session. The electronic deposit slip to be sent to a server that is remotely located from the automated banking machine and data representative of the value of the financial instrument is sent to the authorizing host terminal to cause the financial account to be credited an amount corresponding to the value of the financial instrument.
G07F 19/00 - Complete banking systemsCoded 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 electronic funds transfer [EFT] systemsPayment architectures specially adapted for home banking systems
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
G06K 9/00 - Methods or arrangements for reading or recognising printed or written characters or for recognising patterns, e.g. fingerprints
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.
G06Q 40/00 - FinanceInsuranceTax strategiesProcessing of corporate or income taxes
G06Q 20/10 - Payment architectures specially adapted for electronic funds transfer [EFT] systemsPayment architectures specially adapted for home banking systems
G07F 19/00 - Complete banking systemsCoded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
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.
G07F 19/00 - Complete banking systemsCoded 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 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
G06Q 20/10 - Payment architectures specially adapted for electronic funds transfer [EFT] systemsPayment architectures specially adapted for home banking systems
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.
G06Q 20/10 - Payment architectures specially adapted for electronic funds transfer [EFT] systemsPayment architectures specially adapted for home banking systems
G07F 19/00 - Complete banking systemsCoded 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 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
G06F 3/01 - Input arrangements or combined input and output arrangements for interaction between user and computer
G06F 3/0488 - Interaction techniques based on graphical user interfaces [GUI] using specific features provided by the input device, e.g. functions controlled by the rotation of a mouse with dual sensing arrangements, or of the nature of the input device, e.g. tap gestures based on pressure sensed by a digitiser using a touch-screen or digitiser, e.g. input of commands through traced gestures
G06F 3/0482 - Interaction with lists of selectable items, e.g. menus
98.
Automated banking machine with slide mounted devices
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.
G06Q 20/10 - Payment architectures specially adapted for electronic funds transfer [EFT] systemsPayment architectures specially adapted for home banking systems
G07F 19/00 - Complete banking systemsCoded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
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.
G07F 19/00 - Complete banking systemsCoded 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 electronic funds transfer [EFT] systemsPayment architectures specially adapted for home banking systems
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
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
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.
G07F 19/00 - Complete banking systemsCoded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
patents
