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 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.
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 machine 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 the deposit, such as an account number and a deposit amount. The information can also include cash value. A computer is operative to credit a financial account for value associated with deposited 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 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, 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. - 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 deposit data readable by at least one radio frequency (RF) reader, 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 RF reader, wherein the at least one RF reader is operative to read the deposit data from the financial funds deposit bag, wherein the at least one RF 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)
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11. An apparatus including:
a financial funds banking deposit bag, wherein the deposit bag is configured to hold deposit items therein, wherein the deposit bag is configured to be received by a depository during a banking deposit transaction, wherein the deposit bag includes banking deposit transaction data, wherein the banking deposit transaction data is readable by a radio frequency (RF) reader during the banking deposit transaction, 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 deposit bag, and a financial value of checks associated with the deposit bag, wherein the banking deposit transaction data further includes a financial account number to which the financial funds deposit amount is to be credited. - View Dependent Claims (12, 13, 14, 15, 16, 17, 18, 19, 20)
Specification