BANKING TRANSACTION MACHINE THAT OPERATES RESPONSIVE TO DATA BEARING RECORDS

• US 20130134215A1
• Filed: 01/21/2013
• Published: 05/30/2013
• Est. Priority Date: 11/28/1997
• Status: Active Grant

• Current Assignee: Diebold Incorporated (Diebold Nixdorf, Incorporated)
• Original Assignee: Diebold Incorporated (Diebold Nixdorf, Incorporated)
• Inventors: Ramachandran, Natarajan, Mleziva, Roy, Hill, Jeffrey A., Owens, Mark, Smith, Mark D., Haney, Sean, Junkins, Andrew, Force, Matthew, Graef, H. Thomas, Herrera, Elizabeth M., Miller, Robert G.
• Granted Patent: US 8,608,060 B2
• Time in Patent Office: Days
• US Class Current: 235/379
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/1085 involving automatic teller machines [ATMs]
• CPC Class Codes: G06Q 20/3674 involving authentication
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 20/4014 Identity check for transactions
• CPC Class Codes: G06Q 20/40145 Biometric identity checks
• CPC Class Codes: G06Q 30/0609 Buyer or seller confidence or verification
• CPC Class Codes: G07C 2011/02 related to amusement parks
• CPC Class Codes: G07C 9/37 using biometric data, e.g. fingerprints, iris scans or voice recognition
• CPC Class Codes: G07F 19/20 Automatic teller machines [ATMs]
• CPC Class Codes: G07F 19/201 Accessories of ATMs
• CPC Class Codes: G07F 19/203 Dispensing operations within ATMs dispensing in general G07D11/00

Abstract

A cash dispensing banking machine that operates responsive to data bearing records includes a card reader that reads identifying data from a user card. The machine dispenses cash from a cash dispenser for a financial account without causing the card reader device to read data from a card corresponding to the financial account, when a determination indicates that a voice of the user corresponds to a particular recognized user stored in a data store in correlated relation with the financial account.

Claims

1. Apparatus comprising:

an automated banking machine operable to cause financial transfers responsive at least in part to data read from data bearing records,

wherein the machine is operable to carry out cash deposits and cash dispenses,

wherein the machine is operable during a cash deposit, to receive in the form of a stack, a plurality of currency notes that comprise different denominations,

wherein the machine is operable to recycle cash, including dispensing to a machine user, previously deposited cash kept by the machine,

wherein the machine includes a consumer side,

wherein the consumer side includes a consumer side interface configured for usage by a consumer,

wherein the consumer side interface includes at least one consumer data reader,

 

wherein the at least one consumer data reader is operable to read consumer data usable to identify a consumer account,

wherein the consumer side interface includes at least one consumer display,

 

wherein the at least one consumer display includes at least one display screen,

wherein the consumer side interface includes at least one consumer input device,

 

wherein the at least one consumer input device allows a consumer to request a cash dispense transaction,

 

wherein the machine is operable to carry out a cash dispense transaction requested by a consumer on a consumer account, responsive at least in part to computer-determined correspondence between consumer data read by the at least one consumer data reader and the consumer account,

wherein the machine includes a merchant side,

wherein the merchant side is opposite the consumer side,

wherein the merchant side includes a merchant side interface configured for usage by a merchant,

wherein the merchant side interface includes at least one merchant data reader,

 

wherein the at least one merchant data reader is operable to read merchant data usable to identify a merchant account,

wherein the merchant side interface includes at least one merchant display,

 

wherein the at least one merchant display includes at least one display screen,

wherein the merchant side interface includes at least one merchant input device,

 

wherein the at least one merchant input device allows a merchant to request a cash dispense,

 

wherein the at least one merchant input device allows a merchant during a requested cash dispense, to select from different currency note denominations,

 

wherein the machine is operable to carry out a cash dispense requested by a merchant on a merchant account, which involves merchant selection of different currency note denominations, responsive at least in part to computer-determined correspondence between merchant data read by the at least one merchant data reader and the merchant account,

 

wherein the at least one merchant input device allows a merchant to request a cash deposit,

 

wherein the machine is operable to carry out a cash deposit requested by a merchant on a merchant account, which involves a stack of currency notes that comprise different denominations, responsive at least in part to computer-determined correspondence between merchant data read by the at least one merchant data reader and the merchant account,

wherein the machine is associated with at least one processor that is operable to provide for a respective merchant, a record which;

respectively correlates particular cash deposits to particular employees of the respective merchant, and

respectively correlates particular cash dispenses to particular employees of the respective merchant.

2. The apparatus according to claim 1 wherein the machine is part of a banking system that includes a plurality of cash dispensing automated banking machines,

wherein the at least one merchant side reader includes a card reader and a biometric reader,

wherein the at least one processor is operable to:

cause card data to be read from a user card through operation of the card reader, and

cause biometric data to be read from a user through operation of the biometric reader,

wherein the at least one processor is operable to cause read card data to be compared with card information stored in an authorized merchant information data store,

wherein the at least one processor is operable to cause read biometric data to be compared with biometric information stored in the authorized merchant information data store,

wherein the at least one processor is operable to allow a merchant to request a transaction responsive at least in part to;

computer-determined correspondence between the read card data and stored card information,

computer-determined correspondence between the read biometric data and stored biometric information, and

computer-determined correspondence between the read card data and the read biometric data.

3. The apparatus according to claim 1

wherein only when merchant data read by the at least one merchant data reader corresponds to a merchant account of a respective merchant authorized to use the merchant interface, is the at least one merchant input device usable by the respective merchant to:

cause the machine to receive cash from the respective merchant, and

cause the machine to dispense to the respective merchant, cash including currency notes corresponding to merchant selection of different note denominations.

4. The apparatus according to claim 1 wherein the machine is operable to determine at the end of a predetermined period, based at least in part on any cash deposit requests and any cash dispense requests made by the respective merchant during the predetermined period, a total cash value associated with the respective merchant,

wherein the machine is operable to cause, responsive at least in part to the determination, a financial account of the respective merchant to be adjusted by the total cash value.

5. The apparatus according to claim 1 wherein the machine is operable responsive at least in part to a determination that a received first form of merchant data does not correspond to authorized merchant data in at least one authorization data store, to request a different form of merchant data,

wherein the machine is operable, responsive at least in part to a determination that the different form of merchant data corresponds to authorized merchant data, to cause the at least one authorization data store to be updated to indicate that the first form of merchant data corresponds to authorized merchant data.

6. Apparatus comprising:

an automated transaction machine operable to cause financial transfers,

wherein the machine is operable to carry out a cash deposit for a merchant,

wherein the machine is operable during a merchant cash deposit to receive in the form of a stack, a plurality of currency notes of different denominations,

wherein the machine is operable to carry out a cash dispense for a merchant,

wherein the machine is operable during a merchant cash dispense, to dispense different denominations of currency notes,

wherein the machine is operable to recycle cash, including dispensing previously deposited merchant cash kept by the machine,

wherein the machine includes a merchant side comprising a merchant interface configured for merchant usage,

wherein the merchant interface includes at least one input device,

wherein the merchant interface includes at least one data reader,

wherein the at least one data reader is operable to read merchant data usable to identify a merchant account,

 

wherein only when merchant data read by the at least one data reader corresponds to a merchant account of a respective merchant authorized to use the merchant interface, is the at least one input device usable by the respective merchant to;

 

cause the machine to accept a stack of currency notes comprising notes of different denominations, and

 

cause the machine to dispense cash comprising currency notes of merchant-selected different denominations,

wherein the machine is associated with at least one processor that is operable to provide for a respective merchant, information which;

respectively correlates particular cash deposits to particular employees of the respective merchant, and

respectively correlates particular cash dispenses to particular employees of the respective merchant.

7. The apparatus according to claim 6 wherein the at least one reader includes a card reader and a biometric reader,

wherein the at least one processor is operable to:

cause card data to be read from a user card through operation of the card reader, and

cause biometric data to be read from a user through operation of the biometric reader,

wherein the at least one processor is operable to cause read card data to be compared with card information stored in an authorized merchant information data store,

wherein the at least one processor is operable to cause read biometric data to be compared with biometric information stored in the authorized merchant information data store,

wherein the at least one processor is operable to allow a merchant to request a transaction responsive at least in part to;

computer-determined correspondence between the read card data and stored card information,

computer-determined correspondence between the read biometric data and stored biometric information, and

computer-determined correspondence between the read card data and the read biometric data.

8. The apparatus according to claim 6 wherein the machine includes a consumer side,

wherein the consumer side is opposite the merchant side,

wherein the consumer side includes a consumer interface configured for consumer usage,

wherein the consumer interface includes at least one consumer data reader,

wherein the at least one consumer data reader is operable to read consumer data usable to identify a consumer account,

wherein the consumer side interface includes at least one consumer input device,

wherein the at least one consumer input device is usable by a respective consumer, responsive at least in part to the at least one consumer data reader reading consumer data that corresponds to a consumer account of a consumer authorized to use the machine, to cause the machine to dispense cash to the respective consumer.

9. The apparatus according to claim 6 wherein the machine is operable to determine at the end of a predetermined period, based at least in part on any cash deposit requests and any cash dispense requests made by the respective merchant during the predetermined period, a total cash value associated with the respective merchant,

wherein the machine is operable to cause, responsive at least in part to the determination, a financial account of the respective merchant to be adjusted by the total cash value.

10. The apparatus according to claim 6 wherein the machine is operable responsive at least in part to a determination that a received first form of merchant data does not correspond to authorized merchant data in at least one authorization data store, to request a different form of merchant data,

wherein the machine is operable, responsive at least in part to a determination that the different form of merchant data corresponds to authorized merchant data, to cause the at least one authorization data store to be updated to indicate that the first form of merchant data corresponds to authorized merchant data.

11. Apparatus comprising:

an automated cash handling machine,

wherein the machine is operable to receive cash from a merchant, including a stack of cash comprising currency notes of different denominations,

wherein the machine is operable to dispense cash to a merchant, including a stack of cash comprising currency notes of different denominations previously received by the machine from at least one merchant,

wherein the machine includes a merchant interface configured for usage by an authorized merchant,

wherein the merchant interface includes at least one input device,

wherein the merchant interface includes at least one data reader operable to read merchant data,

wherein only when merchant data read by the at least one data reader corresponds to an authorized merchant account, is the at least one input device usable by a merchant to cause the machine to at least one of;

 

receive cash from the merchant, or

 

dispense cash to the merchant,

wherein the machine is operable to enable a total cash value associated with the merchant to be determined at the end of a predetermined period, based at least in part on any cash received from the merchant and any cash dispensed to the merchant during the predetermined period.

12. The apparatus according to claim 11 wherein the machine is associated with at least one processor,

wherein the at least one reader includes a card reader and a biometric reader,

wherein the at least one processor is operable to:

cause card data to be read from a user card through operation of the card reader, and

cause biometric data to be read from a user through operation of the biometric reader,

wherein the at least one processor is operable to cause read card data to be compared with card information stored in an authorized merchant information data store,

wherein the at least one processor is operable to cause read biometric data to be compared with biometric information stored in the authorized merchant information data store,

wherein the at least one processor is operable to allow a merchant to request a transaction responsive at least in part to;

computer-determined correspondence between the read card data and stored card information,

computer-determined correspondence between the read biometric data and stored biometric information, and

computer-determined correspondence between the read card data and the read biometric data.

13. The apparatus according to claim 11 wherein the machine includes a merchant side, wherein the merchant side includes the merchant interface,

wherein the machine includes a consumer side,

wherein the consumer side is opposite the merchant side,

wherein the consumer side includes a consumer interface configured for consumer usage,

wherein the consumer interface includes at least one consumer data reader,

wherein the at least one consumer data reader is operable to read consumer data usable to identify a consumer account,

wherein the consumer side interface includes at least one consumer input device,

wherein the at least one consumer input device is usable by a respective consumer, responsive at least in part to the at least one consumer data reader reading consumer data that corresponds to a consumer account of a consumer authorized to use the machine, to cause the machine to dispense cash to the respective consumer.

14. The apparatus according to claim 11 wherein the machine is operable to determine at the end of the predetermined period, the total cash value associated with the merchant.

15. The apparatus according to claim 14 wherein the total cash value comprises an amount difference between cash dispensed to and cash received from the merchant over the predetermined period,

wherein the machine is operable to cause a financial account of the merchant to be adjusted by the amount difference,

wherein the machine is operable, responsive to an amount difference that comprises a positive amount, to cause the financial account to be increased by the positive amount,

wherein the machine is operable, responsive to an amount difference that comprises a negative amount, to cause the financial account to be decreased by the negative amount.

16. The apparatus according to claim 11 wherein the merchant side is configured for usage by a plurality of merchants,

wherein the machine enables a respective total cash value for each respective merchant to be determined at the end of a predetermined period.

17. The apparatus according to claim 16 wherein the machine is associated with at least one processor that is operable to provide for each respective merchant, information which:

respectively correlates particular cash deposits to particular employees of the respective merchant, and

respectively correlates particular cash dispenses to particular employees of the respective merchant.

18. The apparatus according to claim 11 wherein the predetermined period is based on separate occasions in which an interior cash storage area of the machine is manually accessed.

19. The apparatus according to claim 11 wherein the predetermined period depends on consecutive authorized cash replenishments.

20. The apparatus according to claim 11 wherein the machine is operable responsive at least in part to a determination that a received first form of merchant data does not correspond to authorized merchant data in at least one authorization data store, to request a different form of merchant data,

wherein the machine is operable, responsive at least in part to a determination that the different form of merchant data corresponds to authorized merchant data, to cause the at least one authorization data store to be updated to indicate that the first form of merchant data corresponds to authorized merchant data.