Banking system operated responsive to data read from data bearing records

• US 7,832,632 B2
• Filed: 07/21/2009
• Issued: 11/16/2010
• Est. Priority Date: 05/07/1997
• Status: Expired due to Fees

• Current Assignee: Diebold Nixdorf, Incorporated
• Original Assignee: Diebold Incorporated (Diebold Nixdorf, Incorporated)
• Inventors: McIntyre, Daniel C., Frazzitta, Bartholomew J., MEEK, JAMES, DePietro, Mark, Bakerink, Allan R., Benore, Randolph C.
• Primary Examiner(s): TRAIL, ALLYSON NEEL
• Application Number:
  US12/460,631
• Publication Number:
  US 20100012719A1
• Time in Patent Office: 483 Days
• Field of Search: 235/379, 235/381, 705/14, 705/10, 705/41
• US Class Current: 235/379
• CPC Class Codes: G06Q 20/105 involving programming of a portable memory device, e.g. IC cards, "electronic purses"
• CPC Class Codes: G06Q 20/108 Remote banking, e.g. home banking
• CPC Class Codes: G06Q 20/1085 involving automatic teller machines [ATMs]
• CPC Class Codes: G06Q 20/40145 Biometric identity checks
• CPC Class Codes: G06Q 30/02 Marketing; Price estimation or determination; Fundraising
• CPC Class Codes: G06Q 30/0201 Market modelling; Market analysis; Collecting market data
• CPC Class Codes: G06Q 30/0241 Advertisements
• CPC Class Codes: G06V 30/40 Document-oriented image-based pattern recognition
• CPC Class Codes: G07F 19/20 Automatic teller machines [ATMs]
• CPC Class Codes: G07F 19/201 Accessories of ATMs
• CPC Class Codes: G07F 19/211 Software architecture within ATMs or in relation to the ATM network
• CPC Class Codes: H04N 7/18 Closed-circuit television [CCTV] systems, i.e. systems in which the video signal is not broadcast

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.

Claims

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.

2. The apparatus according to claim 1,

wherein the local SP station includes at least one local SP input device,

wherein the remote SP station includes at least one remote SP input device,

wherein the at least one computer is in operative connection with the at least one local SP input device and the at least one remote SP input device,

wherein the at least one computer is operative to cause the cash dispenser to dispense cash, responsive to at least one input received at least one of the at least one local SP input device and the at least one remote SP input device.

3. The apparatus according to claim 1,

wherein the first customer transaction station includes each of a customer visual display, a customer camera, a customer audio transmitting device, and a customer audio receiving device,

wherein the local SP station includes each of a local SP visual display, a local SP camera, a local SP audio transmitting device, and a local SP audio receiving device,

wherein the remote SP station includes each of a remote SP visual display, a remote SP camera, a remote SP audio transmitting device, and a remote SP audio receiving device,

wherein the at least one computer is operative to cause the customer visual display to provide at least one output responsive to at least one input received at least one of the at least one local SP input device and the at least one remote SP input device.

4. Apparatus comprising:

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.

5. The apparatus according to claim 4, wherein each customer transaction station includes a reader device operative to read identification data provided by a customer, wherein the customer transaction station includes an automated banking machine comprising a cash dispenser,

wherein the at least one computer is operative to cause the identification data read by the reader device to be compared with information in a data store in determining whether the customer is authorized to receive cash in a cash dispense transaction involving the cash dispenser based on correspondence between the identification data and the information in the data store,

wherein the at least one computer is operative to cause operation of the cash dispenser to dispense cash responsive to receiving at least one dispense input through at least one of the at least one local SP input device and the at least one remote SP input device,

wherein the at least one computer is operative to cause a financial account associated with the first financial transaction to be assessed an amount corresponding to the cash dispensed.

6. The apparatus according to claim 4, wherein the customer transaction station includes an automated banking machine, wherein the local SP station is in two-way electronic video and audio communication with the first customer transaction station through the automated banking machine.

8. The apparatus according to claim 4,

wherein the item conveyor system comprises a movable item carrier,

wherein the at least one computer is operative to cause the carrier to be moved between the first customer transaction station and the local SP station responsive to at least one input to at least one of the at least one customer input device and the at least one local SP input device.

9. The apparatus according to claim 8, wherein the item conveyor system comprises at least one pneumatic tube, wherein the at least one computer is operative to cause air pressure to move the carrier in the at least one pneumatic tube.

10. The apparatus according to claim 4, wherein the transaction facility comprises a building, wherein the first customer transaction station and the local SP station are located inside the building, and wherein the local SP station is located within a secure room that is inaccessible to the customer at the first customer transaction station.

11. The apparatus according to claim 10, wherein the first customer transaction station and the local SP station are physically separated by at least one structure that prevents at least one of visual communication and verbal communication between the customer and the local SP, other than through electronic communication.

12. The apparatus according to claim 11, wherein each customer transaction station is located inside the building.

13. The apparatus according to claim 12, wherein the transaction facility comprises a banking system, wherein the building comprises a bank.

14. The apparatus according to claim 4,

wherein the first customer transaction station is operative to be used by the customer to conduct a check cashing transaction,

wherein the first customer transaction station is operative to receive a check from the customer,

wherein the item conveyor system is operative to physically move the received check from the first customer transaction station to the local SP station.

16. The apparatus according to claim 4,

wherein the first customer transaction station includes each of a customer visual display, a customer camera, a customer audio transmitting device, and a customer audio receiving device,

wherein the local SP station includes each of a local SP visual display, a local SP camera, a local SP audio transmitting device, and a local SP audio receiving device,

wherein the remote SP station includes each of a remote SP visual display, a remote SP camera, a remote SP audio transmitting device, and a remote SP audio receiving device.

17. The apparatus according to claim 16, wherein the at least one computer is operative to cause the customer visual display to provide at least one output responsive to at least one input to at least one of the at least one local SP input device and the at least one remote SP input device.

18. The apparatus according to claim 17, wherein the customer visual display is operative to provide at least one output comprising a pointer responsive to the at least one input to the at least one of the at least one local SP input device and the at least one remote SP input device.

19. The apparatus according to claim 16, wherein the at least one computer is operative to cause the first customer transaction station to be operatively connected to a broadcast source providing at least one of audio and video material, responsive to at least one input to at least one of the at least one local SP input device and the at least one remote SP input device.

20. The apparatus according to claim 19, wherein the at least one computer is operative to cause the first customer transaction station to be operatively connected to an audiovisual presentation selected by the at least one input.

7. The apparatus according to claim

wherein the customer transaction station includes a cash dispenser,

wherein the cash dispenser is operatively connected to the at least one local SP input device and the at least one remote SP input device,

wherein the cash dispenser is operative to dispense cash 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.

15. The apparatus according to claim

wherein the local SP station includes a check imaging device adapted to capture check image data corresponding to a visual image of the received check,

wherein the at least one computer is operative responsive to at least one input to the at least one local SP input device, to cause the check image data to be sent from the local SP station to the remote SP station.