Banking system controlled by data bearing records

• US 7,975,910 B2
• Filed: 11/17/2010
• Issued: 07/12/2011
• Est. Priority Date: 11/25/1998
• Status: Expired due to Fees

• Current Assignee: Diebold Nixdorf, Incorporated
• Original Assignee: Diebold Incorporated (Diebold Nixdorf, Incorporated)
• Inventors: Davis, Steven R., DePietro, Mark A., Jenkins, Randall W., Hanna, J. Richard, Meffie, Michael A., Reese, Rodney J., Artino, Robert V.
• Primary Examiner(s): Lee, Michael G
• Assistant Examiner(s): Haupt, Kristy A
• Application Number:
  US12/927,522
• Publication Number:
  US 20110089230A1
• Time in Patent Office: 237 Days
• Field of Search: 235/379, 235/380, 235/491, 235/492, 705/35, 705/39, 705 43- 45
• US Class Current: 235/379
• CPC Class Codes: G06Q 20/1085 involving automatic teller machines [ATMs]
• CPC Class Codes: G06Q 20/327 Short range or proximity payments by means of M-devices
• CPC Class Codes: G07D 1/00 Coin dispensers devices delivering paper currency G07D11/00
• CPC Class Codes: G07D 11/0087 Banknote changing devices
• CPC Class Codes: G07D 11/0096 Accepting paper currency or other valuables in containers, e.g. in code-marked envelopes
• CPC Class Codes: G07D 11/14 Inlet or outlet ports
• CPC Class Codes: G07D 11/40 Device architecture, e.g. modular construction
• CPC Class Codes: G07F 19/20 Automatic teller machines [ATMs]
• CPC Class Codes: G07F 19/201 Accessories of ATMs
• CPC Class Codes: G07F 19/202 Depositing operations within ATMs depositing in general G07D11/00
• CPC Class Codes: G07F 19/207 Surveillance aspects at ATMs

Abstract

A banking system is controlled responsive to data included on data bearing records. The system includes a deposit accepting machine for accepting deposit items, such as deposit bags, currency, and checks. The machine includes a card reader that can read card data corresponding to financial accounts, and a biometric reader that can read user identification data. The machine also includes an RFID reader that can read signals from RFID tags to obtain deposit information therefrom. The deposit information can include deposit data such as an account number and the deposit amount. The machine also includes a computer that causes a financial account to be credited for the value of deposited items, responsive to data read by the various reader devices.

Claims

1. A method comprising:

(a) operating a deposit-accepting automated banking machine during a deposit transaction involving a customer to receive into an interior area of the machine, at least one check manually inserted through an access opening of the machine,

wherein each respective check includes at least one radio frequency identification (RFID) tag,

wherein the at least one RFID tag of each respective check includes at least one of

deposit data corresponding to an identifier of a customer banking account to which the deposit is to be credited

and

deposit data corresponding to a financial amount being deposited,

wherein the machine includes at least one RFID tag reader,

wherein the machine is associated with at least one computer that is both in operative connection with the at least one RFID tag reader and operative to communicate with a financial transaction host computer;

(b) operating the machine during the deposit transaction to cause the at least one RFID tag reader to wirelessly read from each check, the at least one RFID tag;

(c) operating the machine during the deposit transaction to output at least one customer receipt which corresponds to the deposit transaction; and

(d) operating the at least one computer to cause to be sent to the financial transaction host computer, transaction data associated with the deposit transaction.

2. The method according to claim 1 wherein the machine is part of a banking system that includes a plurality of deposit-accepting automated banking machines,

wherein each machine includes a card reader and a biometric reader,

wherein each machine is associated with at least one computer located in the machine,

wherein the at least one computer is operative during a transaction 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 computer is operative to cause read card data to be compared with card information stored in an authorized machine user information data store,

wherein the at least one computer is operative to cause read biometric data to be compared with biometric information stored in the authorized machine user information data store,

wherein a customer is authorized to request a check deposit transaction responsive at least in part to both

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

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

and further comprising prior to step (a):

(e) operating the card reader to read customer card data;

(f) operating the biometric reader to read customer biometric data;

(g) operating the at least one computer located in the machine to allow the customer to request a check deposit transaction, responsive at least in part to both

computer-determined correspondence between the customer card data read in (e) and stored card information, and

computer-determined correspondence between the customer biometric data read in (f) and stored biometric information.

3. The method according to claim 1 wherein (b) includes reading both deposit data corresponding to the identifier and deposit data corresponding to the financial amount.

4. The method according to claim 1 wherein (c) includes outputting at least one receipt comprising an RFID tag.

5. The method according to claim 1 wherein in (b) the at least one RFID reader is located inside the machine.

6. The method according to claim 1 wherein the deposit accepting machine includes a cash dispenser, and further comprising

(e) operating the deposit accepting machine to cause the cash dispenser to dispense cash from the deposit accepting machine.

7. The method according to claim 1 wherein the machine includes a depository, wherein (a) includes receiving the at least one check into the depository.

8. A method comprising:

(a) operating a deposit-accepting automated banking machine during a deposit transaction involving a customer to receive into an interior area of the machine,

at least one of cash and at least one check,

and

a deposit ticket manually inserted through an access opening of the machine, and

wherein the deposit ticket includes at least one radio frequency identification (RFID) tag,

wherein the at least one RFID tag includes at least one of

 

deposit data corresponding to an identifier of a customer banking account to which the deposit is to be credited

 

and

 

deposit data corresponding to a financial amount being deposited,

wherein the machine includes at least one RFID tag reader,

wherein the machine is associated with at least one computer that is both in operative connection with the at least one RFID tag reader and operative to communicate with a financial transaction host computer;

(b) operating the machine during the deposit transaction to cause the at least one RFID tag reader to wirelessly read from the deposit ticket, the at least one RFID tag;

(c) operating the machine during the deposit transaction to output at least one customer receipt which corresponds to the deposit transaction; and

(d) operating the at least one computer to cause to be sent to the financial transaction host computer, transaction data associated with the deposit transaction.

9. The method according to claim 8 wherein the machine is part of a banking system that includes a plurality of deposit-accepting automated banking machines,

wherein each machine includes a card reader and a biometric reader,

wherein each machine is associated with at least one computer located in the machine,

wherein the at least one computer is operative during a transaction 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 computer is operative to cause read card data to be compared with card information stored in an authorized machine user information data store,

wherein the at least one computer is operative to cause read biometric data to be compared with biometric information stored in the authorized machine user information data store,

wherein a customer is authorized to request a check deposit transaction responsive at least in part to both

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

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

and further comprising prior to step (a):

(e) operating the card reader to read customer card data;

(f) operating the biometric reader to read customer biometric data;

(g) operating the at least one computer located in the machine to allow the customer to request a check deposit transaction, responsive at least in part to both

computer-determined correspondence between the customer card data read in (e) and stored card information, and

computer-determined correspondence between the customer biometric data read in (f) and stored biometric information.

10. The method according to claim 8 wherein (b) includes reading both deposit data corresponding to the identifier and deposit data corresponding to the financial amount.

11. The method according to claim 8 wherein (c) includes outputting at least one receipt comprising an RFID tag.

12. The method according to claim 8 wherein the deposit accepting machine includes a cash dispenser, and further comprising

(e) operating the deposit accepting machine to cause the cash dispenser to dispense cash from the deposit accepting machine.

13. The method according to claim 8 wherein the machine includes a depository, wherein (a) includes receiving the deposit ticket into the depository.

14. A method comprising:

(a) operating a deposit-accepting automated banking machine during a deposit transaction involving a customer to receive into a depository of the machine, a deposit bag manually inserted through an access opening of the machine,

wherein the deposit bag includes therein at least one of

cash

and

at least one check,

wherein the deposit bag has at least one radio frequency identification (RFID) tag attached thereto,

wherein the at least one RFID tag includes at least one of

deposit data corresponding to an identifier of a customer banking account to which the deposit is to be credited

and

deposit data corresponding to a financial amount being deposited,

wherein the machine includes at least one RFID tag reader,

wherein the machine is associated with at least one computer that is both in operative connection with the at least one RFID tag reader and operative to communicate with a financial transaction host computer;

(b) operating the machine during the deposit transaction to cause the at least one RFID tag reader to wirelessly read the at least one RFID tag;

(c) operating the machine during the deposit transaction to output at least one customer receipt which corresponds to the deposit transaction; and

(d) operating the machine to send to the financial transaction host computer, transaction data associated with the deposit transaction.

15. The method according to claim 14 wherein the machine is part of a banking system that includes a plurality of deposit-accepting automated banking machines,

wherein each machine includes a card reader and a biometric reader,

wherein each machine is associated with at least one computer located in the machine,

wherein the at least one computer is operative during a transaction 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 computer is operative to cause read card data to be compared with card information stored in an authorized machine user information data store,

wherein the at least one computer is operative to cause read biometric data to be compared with biometric information stored in the authorized machine user information data store,

wherein a customer is authorized to request a check deposit transaction responsive at least in part to both

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

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

and further comprising prior to step (a):

(e) operating the card reader to read customer card data;

(f) operating the biometric reader to read customer biometric data;

(g) operating the at least one computer located in the machine to allow the customer to request a check deposit transaction, responsive at least in part to both

computer-determined correspondence between the customer card data read in (e) and stored card information, and

computer-determined correspondence between the customer biometric data read in (f) and stored biometric information.

16. The method according to claim 14 wherein (b) includes reading both deposit data corresponding to the identifier and deposit data corresponding to the financial amount.

17. The method according to claim 16 wherein (b) includes reading deposit data corresponding to a deposit bag ID and reading deposit data corresponding to a depositor ID.

18. The method according to claim 14 wherein (b) includes reading deposit data corresponding to at least one of a deposit bag ID and a depositor ID.

19. The method according to claim 14 wherein (c) includes outputting at least one receipt comprising an RFID tag.

20. The method according to claim 14 wherein in (b) the at least one RFID reader is located inside the machine, wherein the deposit accepting machine includes a cash dispenser, and further comprising

(e) operating the deposit accepting machine to cause the cash dispenser to dispense cash from the deposit accepting machine.