Data bearing record based capture and correlation of user image data at a card reading banking system machine

• US 7,533,805 B1
• Filed: 06/03/2008
• Issued: 05/19/2009
• Est. Priority Date: 10/09/1998
• Status: Expired due to Fees

• Current Assignee: Diebold Nixdorf, Incorporated
• Original Assignee: Diebold Incorporated (Diebold Nixdorf, Incorporated)
• Inventors: Crane, David A., Enright, Jeffery M., Drummond, Jay Paul, Williams, Doug, Varn, Kenneth C., Mott, Michael, Kehner, Tom, Novitskey, Robert, Stephenson, Brad L., Goldring, Evan F., Martin, Kevin F., Thomas, Jeffrey R., Russell, Michael, Hathaway, Roy, Kortis, John, DiVita, Chris, Knouff, Christopher J.
• Primary Examiner(s): Lee, Michael G
• Assistant Examiner(s): Haupt, Kristy A
• Application Number:
  US12/156,709
• Time in Patent Office: 350 Days
• Field of Search: 235/379, 235/380, 705/35, 705 43- 44
• 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 20/40 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 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: G07F 19/20 Automatic teller machines [ATMs]
• CPC Class Codes: G07F 19/207 Surveillance aspects at ATMs

Abstract

Based on user image data read by a card reader from a user card, a banking system machine can be used to carry out a transaction. Image data read by the card reader is compared by a computer to image data stored in an authorized machine user database. The banking system machine is operative to capture images of machine users. The captured user images can be stored in correlation with user transaction data in data bearing records. The banking system machine can produce markup language documents which include the data bearing records. The markup language documents can be communicated to a remote authorized analysis terminal.

Claims

1. Apparatus comprising:

an automated banking machine that operates responsive to data included on data bearing records, including;

a card reader, wherein the card reader is operative to read card data included on user cards, wherein the card data corresponds to financial accounts,

a cash dispenser, wherein the cash dispenser is selectively operative to dispense cash from the machine to users of the machine,

wherein the machine is operative to cause an account corresponding to card data read from a card of a user to be assessed for cash dispensed from the machine to the user,

at least one camera, wherein the at least one camera has a field of view that includes an area adjacent to the automated banking machine,

at least one data store, wherein the at least one data store includes data linking respective triggering events to respective sequences of actions to be carried out,

at least one computer,

wherein the at least one computer is in operative connection with the at least one data store,

wherein the at least one computer is operative to cause a first sequence of actions corresponding to a first triggering event in the data store, to be carried out responsive to detection through operation of the at least one computer of the first triggering event, wherein the first sequence of actions includes generation of at least one image of the area adjacent the automated banking machine using the at least one camera,

wherein the at least one computer is operative responsive to a carrying out of the first sequence of actions, to cause data representative of the first triggering event and data corresponding to the at least one image to be stored in the at least one data store.

2. The apparatus according to claim 1 wherein the data corresponding to the triggering event includes data corresponding to at least a portion of the card data of the user.

3. The apparatus according to claim 2 wherein the at least one image includes an image of the user at the automated banking machine.

4. The apparatus according to claim 3 wherein the at least one computer is in operative connection with the automated banking machine, and wherein the first triggering event corresponds to operation of at least one device of the automated banking machine.

5. Apparatus comprising:

at least one data store,

wherein the at least one data store includes data linking respective triggering events to respective sequences of actions to be carried out,

at least one camera,

at least one computer,

wherein the at least one computer is in operative connection with the at least one data store,

wherein the at least one computer is operative to cause a first sequence of actions corresponding to a first triggering event in the data store, to be a carried out responsive to detection through operation of the at least one computer of the first triggering event, wherein the first sequence of actions includes capture of at least one image using the at least one camera,

wherein the at least one computer is operative responsive to a carrying out of the first sequence of actions, to cause data representative of the first triggering event and data corresponding to the at least one image to be stored in the at least one data store.

6. The apparatus according to claim 5 and further comprising a banking system, wherein the banking system includes an automated banking machine, wherein the at least one camera is located at the automated banking machine, wherein the first triggering event comprises an event at the automated banking machine, wherein the first sequence of actions includes causing the at least one camera to capture at least one facial image of a person at the automated banking machine.

7. The apparatus according to claim 6 wherein the automated banking machine includes at least one reader device,

wherein the at least one data store includes for each of a plurality of users, account data correlated with respective facial images of authorized users,

wherein the at least one reader device includes at least one card reading device,

wherein the at least one card reading device is operative to read account data from a user card,

wherein the at least one card reading device is operative to read facial image data from a user card,

wherein the at least one computer includes facial recognition software,

wherein the at least one computer is operative to compare at least one facial image captured by the at least one camera with facial image data read by the at least one card reading device,

wherein the at least one computer is operative to use the at least one data store to compare at least one facial image captured by the at least one camera with account data read by the at least one card reading device,

wherein the at least one computer is operative to authorize a person to use the automated banking machine to carry out a cash dispensing transaction responsive to at least one facial image captured by the at least one camera corresponding to both read facial image data and read account data,

wherein the at least one computer permits an authorized user of the automated banking machine to reallocate money among various financial accounts.

8. The apparatus according to claim 5 and further comprising an automated banking machine,

wherein the at least one camera includes a first camera, wherein the automated banking machine includes the first camera, and wherein the first sequence of actions includes capture of at least one image with the first camera,

wherein the at least one computer includes a first computer, wherein the automated banking machine includes the first computer, wherein the first computer is operative to cause the first sequence of actions to be carried out.

9. The apparatus according to claim 5 and further comprising

a plurality of automated banking machines,

wherein the at least one camera includes a respective first camera located at each of the automated banking machines,

wherein the at least one computer includes an image server,

wherein the image server is in operative connection with each of the first cameras,

wherein the image server is operative to receive user images captured by each of the first cameras,

wherein the image server is in operative connection with the at least one data store,

wherein the image server is operative to cause user image data corresponding to received user images captured by each of the first cameras to be stored in the at least one data store,

at least one user terminal in operative connection with the image server,

wherein the at least one user terminal is operative to access through the image server, the user image data stored in the at least one data store.

10. The apparatus according to claim 5 and further comprising an automated banking machine, wherein the at least one computer is in operative connection with the automated banking machine.

11. The apparatus according to claim 10 wherein the first triggering event corresponds to occurrence of at least one transaction step at the automated banking machine, wherein the first sequence of actions includes capture of at least one user image of a user at the automated banking machine, and wherein the at least one computer is operative to cause data related to the at least one transaction step and user image data corresponding to at least one user image to be stored in the at least one data store.

12. The apparatus according to claim 11 wherein the at least one computer is operative to cause to be stored in the at least one data store in correlated relation, the user image data and transaction data corresponding to a transaction which included the at least one transaction step.

13. The apparatus according to claim 12 wherein the automated banking machine includes a cash dispenser, and wherein the transaction comprises a cash dispense transaction, wherein the at least one computer is operative to cause to be stored in the at least one data store, transaction data representative of an amount of cash dispensed by the automated banking machine in the cash dispense transaction.

14. The apparatus according to claim 12 wherein the at least one computer is operative to cause to be stored in the at least one data store, transaction data representative of at least one time associated with the transaction.

15. The apparatus according to claim 12 wherein the at least one computer is operative to cause to be stored in the at least one data store, transaction data representative of an account number associated with the transaction.

16. The apparatus according to claim 5 wherein the at least one computer is operative to cause the at least one camera to periodically capture images, and wherein the at least one computer is operative to cause image data corresponding to at least one image captured immediately prior to detection of the first triggering event, to be stored in the data store in correlated relation with the data representative of the first triggering event.

17. The apparatus according to claim 5 wherein the at least one camera includes a first camera, wherein the first triggering event includes detecting motion, wherein the at least one computer is operative to detect the motion by determining differences between a plurality of images captured through operation of the first camera.

18. The apparatus according to claim 5 wherein the first sequence of actions includes sending the at least one image in at least one e-mail to an e-mail address, wherein the at least one computer is operative to cause the e-mail to be sent responsive to the first triggering event.

19. The apparatus according to claim 5 wherein the at least one data store includes image data corresponding to at least one recognizable image of at least one human facial feature, wherein the first triggering event includes determining through operation of the at least one computer that the at least one recognizable image corresponds to at least one image of the at least one facial feature captured through operation of the at least one camera, and wherein responsive to a determined correspondence of images the at least one computer is operative to cause the at least one camera to capture additional images.

20. Apparatus comprising:

at least one data store,

wherein the at least one data store includes data corresponding to at least one sequence, wherein a first sequence includes actions to be carried out responsive to at least one triggering event corresponding to occurrence of at least one transaction activity at an automated banking machine, wherein the automated banking machine is operative to read card data included on user cards and to carry out financial transactions concerning accounts corresponding to such card data,

at least one computer,

wherein the at least one computer is in operative connection with the at least one data store,

wherein the at least one computer is operative to cause at least one action in the first sequence to be carried out responsive to detection of the at least one triggering event through operation of the at least one computer, wherein the at least one action includes operation of at least one image capturing device associated with the automated banking machine to capture at least one image,

wherein the at least one computer is operative to cause data related to the at least one triggering event detected and data corresponding to the at least one image to be stored in the at least one data store.

21. The apparatus according to claim 20 and further comprising

the automated banking machine, wherein the automated banking machine includes a cash dispenser, and wherein the at least one computer is operatively associated with the automated banking machine,

at least one image capturing device located at the automated banking machine, wherein the at least one image capturing device includes at least one camera.

22. A method comprising the steps of:

(a) storing in at least one data store in operative connection with at least one computer, data corresponding at least one triggering event to at least one sequence of actions, wherein a first triggering event corresponds to a first sequence of actions to be carried out responsive to the first triggering event;

(b) detecting the first triggering event through operation of the at least one computer;

(c) carrying out through operation of the at least one computer, at least one action in the first sequence of actions responsive to the first triggering event detected in step (b), wherein the at least one action includes capturing at least one image using at least one camera; and

(d) storing in the at least one data store responsive to operation of the at least one computer, data related to the first triggering event detected in step (b) and data corresponding to the at least one image captured in step (c).

23. The method according to claim 22 wherein step (c) includes capturing at least one image of a user of an automated banking machine, and wherein step (d) includes storing the at least one image captured in step (c) in the at least one data store.

24. The method according to claim 23 and further comprising

(e) prior to step (b), capturing at least one pre-triggering event image;

and

wherein step (d) includes storing the at least one pre-triggering event image in the at least one data store in correlated relation with data related to the first triggering event detected in step (b) and the data corresponding to the at least one image captured in step (c).

25. A method comprising:

in connection with an automated banking machine operative to read card data included on user cards and to cause transfers of funds from financial accounts corresponding to such card data,

(a) storing in at least one data store in operative connection with at least one computer, data linking at least one triggering event and at least one sequence of actions, wherein a first triggering event corresponds to a first sequence of actions to be carried out responsive to the first triggering event, wherein the at least one triggering event corresponds to at least one activity at the automated banking machine;

(b) detecting the first triggering event through operation of the at least one computer;

(c) carrying out through operation of the at least one computer, at least one action in the first sequence of actions responsive to the first triggering event detected in step (b), wherein the at least one action includes generating at least one image using at least one camera; and

(d) storing in the at least one data store responsive to operation of the at least one computer, data related to the first triggering event detected in step (b) and data corresponding to the at least one image generated in step (c).

26. The method according to claim 25 and further comprising

(e) prior to step (b), generating at least one pre-triggering event image using the at least one camera;

and

wherein step (d) includes storing the at least one pre-triggering event image in the at least one data store in correlated relation with data related to the first triggering event detected in step (b) and the data corresponding to the at least one image generated in step (c).

27. The method according to claim 25 wherein step (c) includes generating at least one image of a user of the automated banking machine, and wherein step (d) includes storing the at least one image generated in step (c) and at least a portion of card data corresponding to the user read through operation of the banking machine in the at least one data store.