Banking system operated responsive to data read from data bearing records
First Claim
1. Apparatus comprising:
- a remote service provider (SP) station,a transaction facility located remotely from the remote SP station,wherein the transaction facility includes at least one computer,wherein the transaction facility comprises a building,wherein the transaction facility includes a local SP station,wherein the local SP station is located inside the building,wherein the transaction facility includes at least one customer transaction station,wherein the at least one customer transaction station is located inside the building,wherein the at least one customer transaction station includes a first customer transaction station,wherein the first customer transaction station includes an automated banking machine,wherein the automated banking machine includes a cash dispenser,wherein the automated banking machine is operative to permit an authorized customer to reallocate money among various financial accounts,wherein the first customer transaction station includes a plurality of reading devices,wherein the plurality of reading devices include a camera,wherein the plurality of reading devices include a card reader,
wherein the card reader is operative to read identification data from a card of a first customer located at the first customer transaction station,
wherein the at least one computer is operative to cause the read identification data to be compared with information in a data store,
wherein the at least one computer is operative to authorize the first customer to use the automated banking machine responsive to correspondence between the read identification data and the data store information,wherein the first customer transaction station is operative to receive from the first customer during a check cashing transaction, a check having a check amount,wherein the first customer transaction station includes at least one communication device,
wherein the at least one communication device enables the first customer at the first customer transaction station to conduct two-way electronic audio and video communication with a first person located at the local SP station during the check cashing transaction,
wherein the at least one second communication device enables the first customer located at the first customer transaction station to conduct two-way electronic audio and video communication with a second person located at the remote SP station during the check cashing transaction,wherein the transaction facility includes an item transport system,wherein the item transport system is operative to physically move at least one item between the local SP station and the first customer transaction station,wherein the item transport system is operative to physically move the received check from the first customer transaction station to the local SP station,wherein the transaction facility includes at least one check imaging device,wherein the at least one check imaging device is operative to image at least a portion of the received check to produce check image data,wherein the at least one computer is operative to cause the check image data to be delivered to the remote SP station,wherein the first customer transaction station enables the first customer to receive an amount of cash corresponding to the check amount.
3 Assignments
0 Petitions
Accused Products
Abstract
A system includes automated banking machines that operate responsive to data read from data bearing records. Transactions may also be carried out through communication with local and remote service providers. An automated banking machine (322) operative to conduct transactions including cash dispensing for users responsive to data read from user cards and through communication with a transaction host (336). The machine is also operative to provide output signals which drive external displays (328, 330). The processor in the machine is also operative to cause the machine to receive visual and/or audio content from one or more content sources (342, 343) and to store data corresponding to such content. Such content is then output through the external displays.
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Citations
20 Claims
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1. Apparatus comprising:
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a remote service provider (SP) station, a transaction facility located remotely from the remote SP station, wherein the transaction facility includes at least one computer, wherein the transaction facility comprises a building, wherein the transaction facility includes a local SP station, wherein the local SP station is located inside the building, wherein the transaction facility includes at least one customer transaction station, wherein the at least one customer transaction station is located inside the building, wherein the at least one customer transaction station includes a first customer transaction station, wherein the first customer transaction station includes an automated banking machine, wherein the automated banking machine includes a cash dispenser, wherein the automated banking machine is operative to permit an authorized customer to reallocate money among various financial accounts, wherein the first customer transaction station includes a plurality of reading devices, wherein the plurality of reading devices include a camera, wherein the plurality of reading devices include a card reader,
wherein the card reader is operative to read identification data from a card of a first customer located at the first customer transaction station,
wherein the at least one computer is operative to cause the read identification data to be compared with information in a data store,
wherein the at least one computer is operative to authorize the first customer to use the automated banking machine responsive to correspondence between the read identification data and the data store information,wherein the first customer transaction station is operative to receive from the first customer during a check cashing transaction, a check having a check amount, wherein the first customer transaction station includes at least one communication device,
wherein the at least one communication device enables the first customer at the first customer transaction station to conduct two-way electronic audio and video communication with a first person located at the local SP station during the check cashing transaction,
wherein the at least one second communication device enables the first customer located at the first customer transaction station to conduct two-way electronic audio and video communication with a second person located at the remote SP station during the check cashing transaction,wherein the transaction facility includes an item transport system, wherein the item transport system is operative to physically move at least one item between the local SP station and the first customer transaction station, wherein the item transport system is operative to physically move the received check from the first customer transaction station to the local SP station, wherein the transaction facility includes at least one check imaging device, wherein the at least one check imaging device is operative to image at least a portion of the received check to produce check image data, wherein the at least one computer is operative to cause the check image data to be delivered to the remote SP station, wherein the first customer transaction station enables the first customer to receive an amount of cash corresponding to the check amount. - View Dependent Claims (2, 3)
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4. Apparatus comprising:
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a transaction facility, wherein the transaction facility includes at least one customer transaction station, wherein the at least one customer transaction station includes a first customer transaction station, wherein the first customer transaction station enables a customer to request a first financial transaction, wherein the first customer transaction station includes at least one customer input device, wherein the transaction facility includes a local service provider (SP) station, wherein the local SP station includes at least one local SP input device, wherein the transaction facility includes an item conveyor system, wherein the item conveyor system is operative to physically move at least one item between the local SP station and the first customer transaction station, a remote SP station, wherein the remote SP station is located remotely from the transaction facility, wherein the remote SP station includes at least one remote SP input device, at least one computer, wherein the at least one computer is operative to place the first customer transaction station in two-way electronic video and audio communication with the local SP station, responsive to at least one input received by at least one of the at least one customer input device, the at least one local SP input device, and the at least one remote SP input device, wherein having the local SP station in two-way electronic video and audio communication with the first customer transaction station enables a local person located at the local SP station to assist the customer with the first financial transaction, wherein the at least one computer is operative to place the first customer transaction station in two-way electronic video and audio communication with the remote SP station, responsive to at least one input received by at least one of the at least one local SP input device and the at least one remote SP input device, wherein having the remote SP station in two-way electronic video and audio communication with the first customer transaction station enables a remote person located at the remote SP station to assist the customer with the first financial transaction, wherein customer communication is permitted with both the local person and the remote person during a single customer session at the first customer transaction station. - View Dependent Claims (5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20)
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Specification