Banking system controlled by data bearing records
First Claim
1. Apparatus including:
- a financial funds deposit bag,wherein the deposit bag is configured to hold financial funds therein,wherein the deposit bag includes at least one radio frequency identification (RFID) tag,wherein the at least one RFID tag includes deposit data associated with a depository transaction,wherein the deposit data includes
a deposit bag ID,
a financial funds deposit amount,
a financial account number to which the deposit amount is to be credited, and
deposit transaction authorization,a deposit-accepting banking machine,wherein the machine includes a financial funds depository,wherein the depository includes a lockable and unlockable depository door,wherein the depository is configured to receive the deposit bag during the depository transaction,wherein the depository includes at least one RFID tag reader,wherein the at least one RFID tag reader is operative to read the deposit data from the at least one RFID tag of the deposit bag,wherein the deposit data includes all user input required by the depository to allow a depositor of the deposit bag to carry out the depository transaction,wherein the deposit transaction authorization causes the depository to automatically unlock the depository door.
4 Assignments
0 Petitions
Accused Products
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 deposit accepting machine is in connection with a card reader operative to read data corresponding to financial accounts from user cards. The apparatus further includes an RFID reading device that is operative to read signals from RFID tags to obtain deposit information therefrom. The information can include data associated with of the deposit, such as an account number and the deposit amount. The information can include cash value. A computer is operative to credit a financial account for value associated with deposit items responsive to data read by the card reader and/or RFID reading device.
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Citations
20 Claims
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1. Apparatus including:
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a financial funds deposit bag, wherein the deposit bag is configured to hold financial funds therein, wherein the deposit bag includes at least one radio frequency identification (RFID) tag, wherein the at least one RFID tag includes deposit data associated with a depository transaction, wherein the deposit data includes
a deposit bag ID,
a financial funds deposit amount,
a financial account number to which the deposit amount is to be credited, and
deposit transaction authorization,a deposit-accepting banking machine, wherein the machine includes a financial funds depository, wherein the depository includes a lockable and unlockable depository door, wherein the depository is configured to receive the deposit bag during the depository transaction, wherein the depository includes at least one RFID tag reader, wherein the at least one RFID tag reader is operative to read the deposit data from the at least one RFID tag of the deposit bag, wherein the deposit data includes all user input required by the depository to allow a depositor of the deposit bag to carry out the depository transaction, wherein the deposit transaction authorization causes the depository to automatically unlock the depository door. - View Dependent Claims (2, 3, 4)
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5. Apparatus including:
a financial funds banking depository, wherein the depository includes a housing, wherein the depository includes a user access opening, wherein the depository includes a door, wherein the door is movable to cover and uncover the user access opening, wherein the depository includes a secure chest portion inside of the housing, wherein the secure chest portion is positioned below the user access opening, wherein the secure chest portion includes a deposit bag storage area, wherein the depository includes an inlet transport path positioned between the user access opening and the deposit bag storage area, wherein the depository is operative to receive through the user access opening from a depositor during a deposit banking transaction involving financial funds, a financial funds deposit bag including at least one radio frequency identification (RFID) tag comprising deposit data associated with the deposit banking transaction, wherein the inlet transport path enables the financial funds deposit bag to move by gravity into the deposit bag storage area, wherein the depository includes at least one RFID tag reader, wherein the at least one RFID tag reader includes a first RFID tag reader positioned in the housing, wherein the first RFID tag reader is operative to read the deposit data from the RFID tag of the financial funds deposit bag,
wherein the first RFID tag reader is positioned to read the deposit data while the financial funds deposit bag is in the inlet transport path at a location inaccessible to the depositor.- View Dependent Claims (6, 7, 8, 9, 10, 11)
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12. An apparatus including:
a financial funds banking deposit bag, wherein the bag is configured to hold deposit items therein, wherein the bag is configured to be received by a depository during a banking deposit transaction, wherein the bag includes at least one radio frequency identification (RFID) tag, wherein the at least one RFID tag includes programmable memory, wherein the programmable memory includes banking deposit transaction data,
wherein the banking deposit transaction data includes a financial funds deposit amount corresponding to at least one of
a financial value of currency associated with the bag,
and
a financial value of checks associated with the bag,
wherein the banking deposit transaction data further includes a financial account number to which the financial funds deposit amount is to be credited,wherein the at least one data RFID tag is operative to transmit the banking deposit transaction data during the banking deposit transaction. - View Dependent Claims (13, 14, 15, 16, 17, 18, 19, 20)
Specification