Banking system controlled by data bearing records

• US 7,975,911 B2
• Filed: 12/17/2010
• 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:
  US12/928,711
• Publication Number:
  US 20110089231A1
• Time in Patent Office: 207 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 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.

Claims

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.

2. The apparatus according to claim 1

wherein the machine is part of a banking system that includes a plurality of deposit-accepting banking machines,

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

wherein each machine is respectively associated with at least one computer,

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 the at least one computer is operative to authorize a machine user to request a 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.

3. The apparatus according to claim 1

wherein the financial funds deposit amount corresponds to at least one of

a financial value of currency associated with the bag,

and

a financial value of checks associated with the bag.

4. The apparatus according to claim 3

wherein the depository includes at least one communication device,

wherein the at least one communication device is operative to wirelessly receive during the depository transaction, data from a handheld portable user device which is not deposited during the depository transaction,

wherein the depository is operative to receive a total deposit amount in carrying out the depository transaction,

wherein during the depository transaction the RFID tag reader is operative to wirelessly receive from the RFID tag of the deposit bag, a first portion of the total deposit amount,

wherein during the depository transaction the at least one communication device is operative to wirelessly receive from the handheld portable user device, a second portion of the total deposit amount,

wherein the second portion differs from the first portion.

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.

6. The apparatus according to claim 5 wherein the door comprises a lockable and unlockable depository door, and further comprising the deposit bag including the at least one RFID tag,

wherein the at least one RFID tag includes deposit data comprising

a financial funds deposit amount,

a financial account number to which the deposit amount is to be credited,

at least one of a deposit bag ID and a depositor ID, and

deposit transaction authorization,

wherein the at least one RFID tag reader includes a second RFID tag reader,

wherein the second RFID tag reader is positioned to read the deposit transaction authorization,

wherein the deposit transaction authorization causes the depository to automatically unlock the depository door.

7. The apparatus according to claim 5 wherein the first RFID tag reader is operative to read from a RFID tag of a deposit bag, deposit data corresponding to at least one of a deposit bag ID and a depositor ID.

8. The apparatus according to claim 5 wherein the first RFID tag reader is operative to read from a RFID tag of a deposit bag, deposit data corresponding to an account number.

9. The apparatus according to claim 5 wherein the first RFID tag reader is operative to read from a RFID tag of a deposit bag, deposit data corresponding to at least one deposit amount.

10. The apparatus according to claim 5

wherein the depository includes at least one communication device,

wherein the at least one communication device is operative to wirelessly receive from a handheld portable user device which is not deposited during the deposit banking transaction, transaction data used in the deposit banking transaction.

11. The apparatus according to claim 10 wherein the depository is operative to receive a total deposit amount in carrying out the deposit banking transaction,

wherein during the deposit banking transaction the first RFID tag reader is operative to wirelessly receive from the RFID tag of the financial funds deposit bag, a first portion of the total deposit amount,

wherein during the deposit banking transaction the at least one communication device is operative to wirelessly receive from the handheld portable user device, a second portion of the total deposit amount,

wherein the second portion differs from the first portion.

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.

13. The apparatus according to claim 12 and further comprising a depository,

wherein the depository is operative to receive therein, the bag from a depositor during a banking deposit transaction,

wherein the bag when received by the depository is inaccessible to the depositor,

wherein the depository includes an RFID tag reader,

wherein the RFID tag reader is operative to receive the banking deposit transaction data from the at least one RFID tag of the bag.

14. The apparatus according to claim 13 wherein the depository includes a lockable and unlockable depository door,

wherein the banking deposit transaction data further includes deposit transaction authorization,

wherein responsive at least in part to the RFID tag reader receiving the banking deposit transaction data from the at least one RFID tag, the deposit transaction authorization causes the depository to automatically unlock the depository door.

15. The apparatus according to claim 13 wherein the RFID tag reader is located in the depository,

wherein the RFID tag reader is operative to only read the banking deposit transaction data while the bag is positioned adjacent thereto inside the depository at a location inaccessible to the depositor.

16. The apparatus according to claim 13 wherein the depository includes at least one communication device, wherein the at least one communication device is operative to wirelessly receive from a handheld portable user device which is not deposited during the banking deposit transaction, data used in the banking deposit transaction.

17. The apparatus according to claim 16 wherein the depository is operative to receive a total deposit amount in carrying out the banking deposit transaction,

wherein during the banking deposit transaction the RFID tag reader is operative to wirelessly receive from the at least one RFID tag of the bag, a first portion of the total deposit amount,

wherein during the banking deposit transaction the at least one communication device is operative to wirelessly receive from the handheld portable user device, a second portion of the total deposit amount,

wherein the second portion differs from the first portion.

18. The apparatus according to claim 12 wherein the banking deposit transaction data further includes at least one of a deposit bag ID, a depositor ID, a merchant ID, a name, a deposit item type, a bank, a password, an authentication code, a screen display preference, and a marketing preference.

19. The apparatus according to claim 18 wherein the banking deposit transaction data includes at least one of a deposit bag ID and a depositor ID.

20. The apparatus according to claim 12 wherein the at least one RFID tag includes a digital signature, wherein the depository is operative to use the digital signature to verify that the banking deposit transaction data is genuine.