Automated banking machine system and monitoring method

• US 8,302,854 B1
• Filed: 06/27/2011
• Issued: 11/06/2012
• Est. Priority Date: 10/09/1998
• Status: Expired due to Term

• Current Assignee: Diebold Nixdorf, Incorporated
• Original Assignee: Diebold Incorporated (Diebold Nixdorf, Incorporated)
• Inventors: Enright, Jeffery M., Davisson, Dane, Jones, Mike, Grimm, Jacqueline
• Primary Examiner(s): VO, TUYEN KIM
• Application Number:
  US13/135,143
• Time in Patent Office: 498 Days
• Field of Search: 235/375, 235/379, 235/380, 235/383, 235/449, 705 35- 45
• US Class Current: 235/379
• CPC Class Codes: G06Q 20/042 characterized in that the payment protocol involves at least one cheque
• CPC Class Codes: G06Q 20/102 Bill distribution or payments
• CPC Class Codes: G06Q 20/1085 involving automatic teller machines [ATMs]
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03
• CPC Class Codes: G07F 19/20 Automatic teller machines [ATMs]
• CPC Class Codes: G07F 19/205 Housing aspects of ATMs
• CPC Class Codes: G07F 19/207 Surveillance aspects at ATMs

Abstract

An automated banking machine is part of a banking system that can operate to cause financial transfers responsive to data read from data bearing records, including user cards. The machine is in operative connection with a system operable to capture images related to activity that is conducted at or adjacent to the machine. The machine is positioned at a banking facility having a vault and an entrance. A plurality of cameras are positioned at the facility. Captured images can be analyzed at a remote monitoring center. The monitoring center can operate to assure that employees or customers of the banking facility can safely enter and/or exit the banking facility.

Claims

1. A method comprising:

(a) operating an automated banking machine to receive from a user of the machine, a financial check needing a legally binding endorsement signature from the user in order to be acceptable to the machine for purposes of carrying out a transaction;

(b) operating the machine to receive at least one user input from the user,

wherein the at least one user input indicates user agreement to have the machine use at least one facial image of the user as a legally binding electronic signature of the user for purposes of endorsing the check;

(c) operating at least one camera of the machine to capture at least one facial image of the user,

wherein the at least one facial image includes a visual representation of the user'"'"'s face; and

(d) subsequent to (a)-(c), operating the machine to correlate the check received in (a) with the at least one facial image captured in (c),

wherein the at least one facial image is a legally binding electronic signature of the user for purposes of endorsing the check for the transaction,

wherein the legally binding electronic signature constitutes a legally binding endorsement signature from the user for the check,

wherein the legally binding endorsement signature allows the check to be acceptable to the machine for purposes of carrying out the transaction.

2. The method according to claim 1 wherein the machine is part of a banking system operable to cause financial transfers responsive at least in part to data read from data bearing records,

wherein the machine includes a cash dispenser operative to dispense cash from the machine,

wherein the machine includes at least one user display, wherein each user display includes a display screen,

wherein the machine includes a card insertion slot, wherein the card insertion slot is sized to receive a card comprising a magnetic stripe,

wherein the machine includes a card reader,

wherein the card reader includes a magnetic read head,

wherein the card reader is arranged adjacent the card insertion slot,

wherein the card reader is operable to read user data usable to identify a financial account of a user of the machine,

wherein the machine is operable to carry out a transaction on the financial account responsive at least in part to computer-determined correspondence between user data read by the card reader and the financial account,

wherein the machine is operable during a transaction to cause operation of the cash dispenser, responsive at least in part to the machine user being recognized as an authorized user of the machine based at least in part on computer-determined correspondence between user data read by the card reader and authorized user identification data stored in an authorized user information data store,

wherein the machine is operable to cause a financial account involved in a requested cash dispense transaction to be assessed a value associated with an amount of cash dispensed by the cash dispenser,

and further comprising

(e) operating the cash dispenser to dispense a value of cash corresponding to an amount of the check received in (a).

3. The method according to claim 1 wherein (b) is subsequent to (a), and wherein (c) is subsequent to (a) and (b).

4. The method according to claim 1 wherein in (d), check image data is correlated with facial image data in at least one data store,

wherein the check image data corresponds to at least one image of the check,

wherein the facial image data corresponds to the at least one facial image.

5. The method according to claim 1 wherein (d) causes the check to have an electronic endorsement signature in lieu of a handwritten endorsement signature.

6. A method comprising:

(a) operating an automated banking machine to ask a user of the machine if the user agrees to have a visual representation of at least a portion of the user be an electronic signature of the user for purposes of providing a legally binding signature to a document that is in possession of the machine,

wherein the document is absent at least one legally binding signature of the user,

wherein the document needs the at least one legally binding signature to achieve a legal effect;

(b) subsequent to (a), operating the machine to receive from the user, user input indicative of an agreement to have a visual representation of at least a portion of the user be a legally binding electronic signature of the user for the document;

(c) operating the machine to obtain the visual representation; and

(d) responsive at least in part to (b), operating the machine to cause the visual representation obtained in (c) to be a legally binding electronic signature for the document in achieving the legal effect.

7. The method according to claim 6 wherein the machine is part of a banking system operable to cause financial transfers responsive at least in part to data read from data bearing records,

wherein the machine includes a cash dispenser operative to dispense cash and a user interface including at least one user display,

wherein the machine includes a card reader operable to read user data usable to identify a financial account of a user of the machine,

wherein the machine is operable to carry out a transaction on the financial account responsive at least in part to computer-determined correspondence between user data read by the card reader and the financial account,

wherein the machine is operable during a transaction to cause operation of the cash dispenser, responsive at least in part to the machine user being recognized as an authorized user of the machine based at least in part on computer-determined correspondence between user data read by the card reader and authorized user identification data stored in an authorized user information data store,

wherein the machine is operable to cause a financial account involved in a requested cash dispense transaction to be assessed a value associated with an amount of cash dispensed by the cash dispenser,

and further comprising

(e) prior to (a), operating the machine to obtain the document, wherein the document comprises a financial check;

and

(f) subsequent to (b), operating the cash dispenser to dispense a value of cash corresponding to an amount of the check obtained in (e).

8. The method according to claim 6

and further comprising:

(e) prior to (a), operating the machine to receive the document from the user;

wherein the document comprises a financial check,

wherein (b) includes operating the machine to receive user permission for a facial image of the user to be used as a legally binding signature for purposes of endorsing the check,

wherein (c) includes operating a camera of the machine to capture a facial image of the user,

wherein (d) includes operating the machine to cause the check to be endorsed using the facial image captured in (c) as the legally binding signature in lieu of a handwritten endorsing signature.

9. The method according to claim 6 wherein in (b) the user agreement is for the visual representation to alone constitute the legally binding electronic signature of the user for the document in lieu of any other form of written signature or electronic signature.

10. The method according to claim 6 wherein the visual representation obtained in (c) includes user image data corresponding to a visual image of the user'"'"'s face, wherein the document comprises a financial check, and further comprising

(e) prior to (a), operating the machine to receive the financial check from the user;

and

(f) operating the machine to produce check image data corresponding to a visual image of the check received in (e);

wherein (d) includes operating the machine to cause the user image data and the check image data to be correlated in at least one data store.

11. The method according to claim 6 wherein the document is an electronic document, wherein the visual representation obtained in (c) includes an electronic image of the user'"'"'s face,

wherein (c) includes operating at least one camera of the machine to capture the electronic image, wherein in (d) the visual representation is applied to the document by storing the electronic image captured in (c) in correlated relation with the document in at least one data store, and wherein in the correlated relation, the electronic image constitutes a legally binding signature of the user for the document.

12. A method comprising:

(a) operating an automated banking system that is operable to carry out transactions involving financial checks that are respectively endorsed with legally binding signatures of payees, to obtain an image of a financial check associated with a customer of the system,

wherein the check is made out to a payee;

(b) operating the system to determine that the check is absent a handwritten signature endorsement from the payee;

(c) operating the system to inform the customer that a facial image of the customer can be used by the system to endorse the check for the customer;

(d) operating the system to receive at least one input from the customer,

wherein the at least one input grants permission for the system to use a facial image of the customer to endorse the check for the customer;

(e) operating the system to obtain a facial image of the customer,

wherein the facial image includes a visual representation of the customer'"'"'s face;

wherein the facial image allows the check to be legally endorsed without a handwritten signature endorsement; and

(f) operating the system to cause the facial image obtained in (e) to be used as a legally binding electronic signature for purposes of endorsing the check for the customer.

13. The method according to claim 12 wherein the system comprises an automated banking machine,

wherein the machine includes at least one reader operable to read user data that is usable to identify a financial account associated with a user of the machine,

wherein the machine includes at least one imager,

and further comprising:

(g) prior to (a), operating the machine to receive the check from the customer;

wherein (a) includes operating the at least one imager to capture at least one image of the check received in (g),

wherein (e) includes operating the at least one imager to capture a facial image of the customer.

14. The method according to claim 13 wherein the check has a cash value, wherein the machine includes a cash dispenser operable to dispense cash to authorized users of the machine, and further comprising:

(h) operating the cash dispenser to dispense an amount of cash associated with the cash value.

15. The method according to claim 13 wherein the check has a cash value, and further comprising:

(h) operating the machine to cause a financial account associated with user data read by the at least one reader, to be credited a monetary amount associated with the cash value.

16. The method according to claim 12 wherein (a) includes operating the system to receive a check image that was sent from a mobile phone associated with the customer.

17. The method according to claim 16 wherein (d) includes operating the system to receive permission that was sent through the mobile phone.

18. The method according to claim 16 wherein (d) includes operating the system to receive customer data that was sent through the mobile phone,

wherein the customer data is usable to identify a customer account,

wherein the customer account is correlated in at least one data store with permission data that allows the system to automatically use a facial image of the customer to endorse the check.

19. The method according to claim 18 wherein (e) includes operating the system to obtain the facial image from the at least one data store.

20. The method according to claim 16 wherein (e) includes operating the system to receive a facial image that was sent through the mobile phone.