Banking system controlled by data bearing records

• US 7,900,823 B1
• Filed: 09/26/2008
• Issued: 03/08/2011
• Est. Priority Date: 10/09/1998
• Status: Active Grant

• Current Assignee: Diebold Nixdorf, Incorporated
• Original Assignee: Diebold Incorporated (Diebold Nixdorf, Incorporated)
• Inventors: Hathaway, Roy, Enright, Jeffery M., Thomas, Jeff, Varn, Ken, Knouff, Christopher
• Primary Examiner(s): Lee, Michael G
• Assistant Examiner(s): Haupt, Kristy A
• Application Number:
  US12/286,097
• Time in Patent Office: 893 Days
• Field of Search: 235/379, 235/380
• US Class Current: 235/379
• CPC Class Codes: G06Q 20/042 characterized in that the payment protocol involves at least one cheque
• CPC Class Codes: G07F 19/20 Automatic teller machines [ATMs]
• CPC Class Codes: G07F 19/207 Surveillance aspects at ATMs

Abstract

An automated banking machine operates responsive to data read from data bearing records, such as user cards that include financial account data. The machine operates to carry out transactions involving the accounts and generates records thereof. A plurality of cameras captures images associated with users, documents and/or events. Image data is stored and may be searched based on selection parameters.

Claims

1. Apparatus comprising:

at least one automated banking machine, wherein the at least one automated banking machine includes a card reader operative to read data from user cards corresponding to financial accounts and to cause financial transactions to be carried out involving such accounts through operation of the machine;

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

at least one processor, wherein the at least one processor is in operative connection with at least one data store, wherein the at least one processor is in operative connection with the at least one camera and the at least one automated banking machine, and wherein the at least one data store includes data corresponding to a plurality of types of triggering events, wherein the at least one processor is operative to determine that a type of triggering event has occurred and responsive to the determination is operative to cause image data corresponding to images captured through operation of the at least one camera to be stored in the at least one data store in association with data corresponding to the type of triggering event that occurred and caused the image data to be stored;

at least one user interface in operative connection with the at least one processor, wherein the at least one user interface includes an input device and a visual output device;

wherein responsive to at least one input through the input device corresponding to at least one type of triggering event, the at least one processor is operative responsive to the image data in the at least one data store to cause at least one visible image corresponding to the at least one type of triggering event to be output through the visual output device.

2. The apparatus according to claim 1 wherein at least one triggering event corresponds to an operation carried out by an automated banking machine of at least one automated banking machine, and wherein the at least one processor is operative to cause image data corresponding to images to be captured responsive to the operation of the at least one automated banking machine.

3. The apparatus according to claim 1 wherein for each type of triggering event the at least one data store includes data corresponding to at least one selection parameter, and wherein the at least one processor is operative to cause data corresponding to at least one selection parameter to be stored in association with image data corresponding to captured images, and wherein the at least one processor is operative responsive to at least one input through the input device corresponding to at least one selection parameter to cause at least one image corresponding to the at least one selection parameter to be output through the output device.

4. The apparatus according to claim 3 wherein the at least one processor includes at least one clock function operative to determine current time, and wherein the at least one selection parameter includes an image capture start time prior to a current time, and an image capture end time prior to the current time, and wherein responsive to the at least one selection parameter the at least one processor is operative to cause at least one image to be output through the output device that was captured between the start time and the end time.

5. The apparatus according to claim 3 wherein the at least one automated banking machine includes a plurality of automated banking machines, and wherein the at least one selection parameter corresponds to data associated with a particular one of the plurality of automated banking machines, and wherein the at least one processor is operative responsive to the at least one input to cause at least one image captured through operation of a camera adjacent to the particular automated banking machine to be output through the output device.

6. The apparatus according to claim 3 wherein the at least one automated banking machine is operative to carry out a plurality of transaction types, and wherein the at least one selection parameter corresponds to data associated with one particular transaction type, and wherein the at least one processor is operative responsive to the at least one input to cause images captured during the one particular transaction type to be output through the output device.

7. The apparatus according to claim 3 and further comprising an alarm device, and wherein the at least one automated banking machine is in operative connection with the alarm device, and wherein the at least one selection parameter includes data associated with an alarm, and wherein the at least one processor is operative responsive to the at least one input to cause at least one image corresponding to at least one alarm to be output through the output device.

8. The apparatus according to claim 3 wherein the at least one data store includes data corresponding to a plurality of sequences, and wherein each sequence corresponds to at least one triggering event type, and wherein each sequence includes a plurality of actions caused to be carried out responsive to operation of the at least one processor.

9. The apparatus according to claim 8 wherein a first triggering event is associated with a first sequence, and wherein the first triggering event includes determining through operation of the at least one processor that a camera has ceased providing usable images, and the first sequence includes storing in the at least one data store, data corresponding to images captured prior to the first triggering event.

10. The apparatus according to claim 8 wherein the at least one processor is operative to output through the output device, a visual image having at least two oppositely directed arrows, and wherein the at least one processor is operative responsive to at least one input through the input device corresponding to selection of one of the arrows to cause a different image to be output through the output device, wherein the different image is one other than the image currently being output.

11. The apparatus according to claim 10 wherein the at least one camera comprises a plurality of cameras, and wherein the at least one input is operative to cause the output of a visual image from the output device captured by a different camera from the camera that captured an image then currently being output by the output device.

12. The apparatus according to claim 8 wherein at least one sequence includes storing data in the at least one data store corresponding to a plurality of images proximate in time to the associated triggering event, and wherein the at least one processor is operative responsive to at least one input through the input device to cause the output device to output a plurality of thumbnail images each thumbnail image corresponding to one of the plurality of images.

13. The apparatus according to claim 12 wherein the at least one processor is operative responsive to at least one input through the input device corresponding to one of the plurality of thumbnail images, to cause output through the output device of a larger version of the one thumbnail image.

14. The apparatus according to claim 8 wherein a first triggering event type includes a transaction function carried out through operation of the at least one automated banking machine, and wherein the automated banking machine includes transaction data associated with each transaction that includes the transaction function, and wherein the at least one processor is operative for each transaction as part of a first sequence corresponding to the first triggering event type to cause to be stored in the at least one data store, the corresponding transaction data, wherein the transaction data is stored in corresponding relation with stored image data corresponding to at least one image associated with the respective transaction.

15. The apparatus according to claim 14 wherein the at least one processor is operative responsive to at least one input through the input device to cause an e-mail to be sent, wherein the at least one processor is operative to include with the e-mail data corresponding to at least one image.

16. The apparatus according to claim 15 wherein the at least one processor is operative to include with the e-mail transaction data corresponding to the at least one image.

17. The apparatus according to claim 14 wherein the transaction data includes at least one time and date associated with each respective transaction.

18. The apparatus according to claim 14 wherein the first sequence includes the at least one processor operating to cause an e-mail to be sent.

19. The apparatus according to claim 18 wherein the first sequence includes operating the at least one processor to cause at least one image to be stored in the at least one data store, and wherein the e-mail includes therewith data corresponding to the at least one image.