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Banking system controlled by data bearing records

  • US 8,191,771 B2
  • Filed: 07/11/2011
  • Issued: 06/05/2012
  • Est. Priority Date: 11/25/1998
  • Status: Expired due to Fees
First Claim
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1. Apparatus including:

  • a financial funds deposit bag,wherein the deposit bag is configured to hold financial funds therein,wherein the deposit bag includes deposit data associated with a depository transaction,wherein the deposit data includesa deposit bag ID,a financial funds deposit amount,a financial account number to which the deposit amount is to be credited, anddeposit transaction authorization,wherein the deposit data is readable by at least one radio frequency (RF) reader,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 RF reader,wherein the at least one RF reader is operative to read the deposit data from 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.

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