BANKING SYSTEM OPERATED RESPONSIVE TO DATA READ FROM DATA BEARING RECORDS
First Claim
1. A method comprising:
- (a) placing a first customer station in two-way electronic audio and video communication with a local service provider (SP) station, enabling a local SP located at the local SP station to communicate with a first customer located at the first customer station,wherein the first customer station and the local SP station are both located at a same transaction facility,wherein the transaction facility includes a plurality of customer stations,wherein the plurality of customer stations include the first customer station,
wherein the first customer station includes at least one display device,
wherein the first customer station includes at least one reader device operative to read first customer identification data provided by the first customer,
wherein the first customer station includes an automated banking machine,
wherein the automated banking machine is operative to carry out cash dispense transactions,
wherein the automated banking machine includes at least one cash dispenser,
wherein the automated banking machine includes at least one machine computer,
wherein the at least one machine computer is operative to allow the first customer to request a cash dispense transaction responsive at least in part on the first customer being recognized as an authorized user of the automated banking machine based at least in part on computer-determined correspondence between
first customer identification data read by the at least one reader device and
authorized user identification information stored in at least one data store,
wherein the at least one machine computer is operative to cause a financial account to be assessed a value associated with cash dispensed,wherein the transaction facility is adapted to provide two-way electronic audio and video communication between each customer station and the local SP station, enabling a SP located at the local SP station to communicate with a respective customer located at a respective customer station,wherein the transaction facility includes an item conveyor system connecting the local SP station to each respective customer station, wherein the item conveyor system is operable to selectively physically move at least one transaction item involved in a customer transaction between each respective customer station and the local SP station,wherein the transaction facility includes a check imaging device,wherein the check imaging device is operative to produce check image data corresponding to at least a portion of a financial check;
(b) subsequent to (a), operating the local SP station responsive to at least one local SP input at the local SP station, to send communication to the first customer station in carrying out a first portion of a customer transaction;
(c) subsequent to (b), responsive to at least one further local SP input at the local SP station, placing the first customer station in electronic audio and video communication with a remote SP station located remotely from the transaction facility, enabling a remote SP located at the remote SP station to communicate with the first customer located at the first customer station;
(d) subsequent to (c), operating the remote SP station responsive to at least one remote SP input at the remote SP station, to send communication to the first customer station in carrying out a second portion of the customer transaction; and
(e) completing the customer transaction;
wherein (a)-(e) are carried out during a single customer session while the first customer is located at the first customer station.
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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). A machine processor is operative to cause the machine to receive visual and/or audio content from content sources (342, 343) and to store data corresponding to the content. The content is then output through the external displays.
28 Citations
20 Claims
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1. A method comprising:
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(a) placing a first customer station in two-way electronic audio and video communication with a local service provider (SP) station, enabling a local SP located at the local SP station to communicate with a first customer located at the first customer station, wherein the first customer station and the local SP station are both located at a same transaction facility, wherein the transaction facility includes a plurality of customer stations, wherein the plurality of customer stations include the first customer station,
wherein the first customer station includes at least one display device,
wherein the first customer station includes at least one reader device operative to read first customer identification data provided by the first customer,
wherein the first customer station includes an automated banking machine,
wherein the automated banking machine is operative to carry out cash dispense transactions,
wherein the automated banking machine includes at least one cash dispenser,
wherein the automated banking machine includes at least one machine computer,
wherein the at least one machine computer is operative to allow the first customer to request a cash dispense transaction responsive at least in part on the first customer being recognized as an authorized user of the automated banking machine based at least in part on computer-determined correspondence between
first customer identification data read by the at least one reader device and
authorized user identification information stored in at least one data store,
wherein the at least one machine computer is operative to cause a financial account to be assessed a value associated with cash dispensed,wherein the transaction facility is adapted to provide two-way electronic audio and video communication between each customer station and the local SP station, enabling a SP located at the local SP station to communicate with a respective customer located at a respective customer station, wherein the transaction facility includes an item conveyor system connecting the local SP station to each respective customer station, wherein the item conveyor system is operable to selectively physically move at least one transaction item involved in a customer transaction between each respective customer station and the local SP station, wherein the transaction facility includes a check imaging device, wherein the check imaging device is operative to produce check image data corresponding to at least a portion of a financial check; (b) subsequent to (a), operating the local SP station responsive to at least one local SP input at the local SP station, to send communication to the first customer station in carrying out a first portion of a customer transaction; (c) subsequent to (b), responsive to at least one further local SP input at the local SP station, placing the first customer station in electronic audio and video communication with a remote SP station located remotely from the transaction facility, enabling a remote SP located at the remote SP station to communicate with the first customer located at the first customer station; (d) subsequent to (c), operating the remote SP station responsive to at least one remote SP input at the remote SP station, to send communication to the first customer station in carrying out a second portion of the customer transaction; and (e) completing the customer transaction; wherein (a)-(e) are carried out during a single customer session while the first customer is located at the first customer station. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13)
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14. A method comprising:
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(a) operating an automated banking machine including a cash dispenser during a check cashing transaction, to receive a financial check indicating a check amount; (b) operating the machine to allow therethrough during the check cashing transaction, two-way electronic audio and video communication between a customer located at the machine and a person located at a local service provider (SP) station, wherein the machine and local SP station are both located at a same transaction facility, and wherein the transaction facility includes an item conveying system operable to physically move at least one item between the local SP station and the customer located at the machine; (c) operating the machine to image at least a portion of the check received in (a) to produce check image data; (d) operating the machine to cause the check image data produced in (c) to be accessible to a remote SP station located remotely from the transaction facility; (e) subsequent to (a) and (b), operating the machine to allow therethrough during the check cashing transaction, two-way electronic audio and video communication between the customer located at the machine and a person located at the remote SP station; and (f) subsequent to (e), operating the machine to cause the cash dispenser to dispense to the customer, a cash value associated with the check amount. - View Dependent Claims (15, 16, 17)
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18. A method comprising:
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(a) establishing two-way electronic audio and video connection between an automated banking machine and a local service provider (SP) station, wherein the connection allows a customer located at the machine to communicate through the machine with a first person located at the local SP station, wherein both the machine and the local SP station are located at a same transaction facility, wherein the transaction facility includes an item conveying system operable to physically move at least one item between the local SP station and the customer, wherein the machine includes a cash dispenser; (b) subsequent to (a), establishing two-way electronic audio and video connection between the machine and a remote SP station located remotely from the transaction facility, responsive to at least one SP input received by at least one input device at the local SP station, wherein the connection allows the customer located at the machine to communicate through the machine with a second person located at the remote SP station, wherein (a) and (b) are carried out during a single customer transaction session with the machine. - View Dependent Claims (19, 20)
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Specification