Reading of image data bearing record for comparison with stored user image in authorizing automated banking machine access

• US 7,533,806 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: Goldring, Evan F., Martin, Kevin F., Kortis, John, Thomas, Jeffrey R., DiVita, Chris, Knouff, Christopher J., Russell, Michael, Hathaway, Roy, Crane, David A., Enright, Jeffery M., Williams, Doug, Varn, Kenneth C., Novitskey, Robert, Stephenson, Brad L., Drummond, Jay Paul, Mott, Michael, Kehner, Tom
• Primary Examiner(s): Lee, Michael G
• Assistant Examiner(s): Haupt, Kristy A
• Application Number:
  US12/156,710
• Time in Patent Office: 350 Days
• Field of Search: 235/379, 235/380, 705/39, 705/43, 705/44
• 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

A system and method is carried out in connection with a card actuated automated banking machine. Image data read by a card reader from a card is compared to image data stored in an authorized machine user database. The automated banking machine is operative to capture images of machine users and received checks. The automated banking machine can produce markup language documents correlated with machine users and check images. The markup language documents can be communicated to a remote authorized analysis terminal.

Claims

1. Apparatus comprising:

an automated banking machine,

wherein the machine includes a plurality of function devices, including a card reader device and a cash dispenser device,

at least one camera,

wherein the at least one camera is operative to capture at least one image of at least one facial feature of a customer adjacent the machine,

at least one data store,

at least one computer in operative connection with the card reader device, the at least one camera, and the at least one data store,

wherein the at least one computer is operative to cause card data received via the card reader device to be compared with identification information stored in at least one identification data store,

wherein a customer is authorized to use the machine to carry out a transaction involving operation of the cash dispenser device responsive to received card data and stored identification information having a corresponding relationship,

wherein the at least one computer is operative to store image data corresponding to the at least one image in the at least one data store responsive to operation of at least one of the plurality of function devices, wherein the at least one computer is operative to store the image data on a first date,

a user terminal in operative connection with the at least one data store,

wherein the terminal is remotely located from the machine,

wherein the terminal includes a display device,

wherein the terminal is operative to receive on a second date differing from the first date, image data stored in the at least one data store on the first date, and

wherein the terminal is operative to display images corresponding to received image data through the display device.

2. The method according to claim 1 wherein the machine includes a biometric reader device,

wherein the at least one computer is operative to cause biometric data received via the biometric reader device to be compared with biometric identification information stored in the at least one identification data store,

wherein a customer is authorized to use the machine responsive to both

received card data and stored identification information having a corresponding relationship, and

received biometric data and stored biometric identification information having a corresponding relationship.

3. The apparatus according to claim 2 wherein the at least one computer includes facial recognition software, wherein the at least one computer is operative to compare at least one captured facial feature of a customer with facial feature image stored on a received card, and wherein a customer is authorized to use the machine responsive to the at least one captured facial feature and the facial feature image having a corresponding relationship.

4. The apparatus according to claim 1 wherein the function devices comprise transaction function devices, wherein the at least one computer is operative to store image data corresponding to the at least one image in the at least one data store responsive to operation of a selected transaction function device during a machine transaction.

5. The apparatus according to claim 4 wherein the at least one computer is operative to include image data in the at least one data store responsive to operation of the cash dispenser device.

6. The apparatus according to claim 5 wherein the at least one computer is operative to include image data in the at least one data store when an amount of cash provided by the cash dispenser device is at least a predetermined cash amount.

7. The apparatus according to claim 1 wherein the at least one camera is operative to capture facial images of a customer of the machine, and wherein the terminal is operative to display the facial images through the display device.

8. The apparatus according to claim 1 wherein the at least one camera is operative to capture at least one check image of a check received by the machine, wherein the at least one computer is operative to store check image data corresponding to the at least one check image in the at least one data store responsive to operation of a check acceptor device, wherein the terminal is operative to receive check image data from the at least one data store, and wherein the terminal is operative to display the at least one received check image through the display device.

9. The apparatus according to claim 1 wherein the at least one computer is operative to store transaction data in correlated relation with the image data in the at least one data store responsive to operation of at least one function device associated with the transaction data, and wherein the terminal is operative to display correlated transaction data and images through the display device.

10. Apparatus comprising:

an automated banking machine arrangement operative to carry out at least one transaction function,

wherein the arrangement includes at least one camera, wherein the at least one camera is operative to produce camera signals corresponding to images,

at least one computer including a server in operative connection with at least one data store, wherein the at least one computer is in operative connection with the arrangement, and wherein the at least one computer is operative to include image data corresponding to the camera signals in the at least one data store responsive to the arrangement directing operation of at least one transaction function,

at least one communication network in operative connection with the server, and

a user terminal in operative connection with the network, wherein the user terminal includes an output device, wherein the user terminal includes a browser, wherein the user terminal is operative to communicate with the server through the browser, wherein the user terminal is operative to output images corresponding to the image data through the output device, and wherein the terminal enables a user thereof to analyze on a later date, images corresponding to camera signals produced by the at least one camera on an earlier date.

11. The apparatus according to claim 10 wherein the at least one computer is operative to include transaction data in correlated relation with the image data in the at least one data store responsive to the arrangement directing operation of at least one transaction function associated with the transaction data.

12. The apparatus according to claim 10 wherein the arrangement includes at least one input device, and wherein the at least one input device is operative to receive input data, and wherein the at least one computer is operative to include transaction data corresponding to received input data in correlated relation with the image data in the at least one data store responsive to the arrangement directing operation of the at least one input device.

13. The apparatus according to claim 12

wherein the arrangement includes a check acceptor device,

wherein the at least one camera is operative to capture at least one check image of a check received by the check acceptor device,

wherein the at least one computer is operative to include check transaction data corresponding to the check in correlated relation with at least one captured check image in the at least one data store responsive to the check acceptor device receiving the check,

wherein the user terminal includes a display device, wherein the user terminal is operative to output the at least one captured check image through the display device, and wherein the user terminal enables a user to view on a later date, at least one check image captured by the at least one camera on an earlier date.

14. The apparatus according to claim 10 wherein the server comprises a camera server in operative connection with the at least one camera.

15. The apparatus according to claim 10 wherein the arrangement includes an imaging device, wherein the imaging device is operative to generate document image signals corresponding to at least one appearance feature of received documents, and wherein the at least one computer is operative to include in the at least one data store document image data corresponding to the document image signals.

16. The apparatus according to claim 15 wherein the at least one computer is operative to include the document image data in correlated relation with the image data in the at least one data store.

17. The apparatus according to claim 10 wherein the arrangement includes an automated banking machine, wherein the at least one camera includes a camera located outside of and adjacent to the automated banking machine.

18. The apparatus according to claim 10 wherein the arrangement includes an automated banking machine, wherein the at least one camera includes a camera located interior of the automated banking machine.

19. Apparatus comprising:

an automated banking machine arrangement including an automated banking machine comprising a plurality of transaction function devices,

wherein the arrangement is operative responsive to the machine directing operation of at least one transaction function device, to cause at least one image corresponding to a transaction associated with the at least one transaction function device to be captured,

wherein the arrangement is operative to cause transaction data associated with the transaction to be correlated with at least one captured image as image data,

wherein the arrangement is operative to cause the image data to be directed to an image data server,

an image access terminal remotely located from the automated banking machine arrangement and the image data server,

wherein the terminal enables a user thereof to search the transaction data in the image data to find the at least one captured image correlated with the transaction data in the image data,

wherein the terminal is operative to receive the at least one captured image sent via the image data server,

wherein the terminal enables a user thereof to analyze on a later date, at least one image captured on an earlier date.

20. The apparatus according to claim 19 wherein the arrangement includes at least one computer, wherein the automated banking machine includes a check acceptor device,

wherein the at least one computer is operative responsive to a check received by the check acceptor device, to cause at least one check image of the check to be captured,

wherein the at least one computer is operative to cause check transaction data associated with a check transaction to be correlated with at least one captured check image as check image data,

wherein the terminal enables a user thereof to search the check image data via the check transaction data to find the at least one captured check image.