Automated banking machine system and monitoring method

• US 8,302,856 B1
• Filed: 03/12/2012
• Issued: 11/06/2012
• Est. Priority Date: 07/07/2006
• Status: Expired due to Fees

• Current Assignee: Securitas Electronic Security, Inc. (Securitas AB)
• Original Assignee: Diebold Incorporated (Diebold Nixdorf, Incorporated)
• Inventors: Grimm, Jacqueline, Jones, Mike, Davisson, Dane, Enright, Jeffery M.
• Primary Examiner(s): VO, TUYEN KIM
• Application Number:
  US13/417,497
• Time in Patent Office: 239 Days
• Field of Search: 235/379, 705 39- 45
• US Class Current: 235/379
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03
• CPC Class Codes: G07F 19/207 Surveillance aspects at ATMs

Abstract

An automated banking machine is part of a banking system that can 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 at least one computer associated with a monitoring system to receive a request which originated from a mobile phone, wherein the request is for a pre-movement security check on at least one area located outside of a facility;

(b) responsive at least in part to the request received in (a), operating the at least one computer to initiate the pre-movement security check,

wherein the initiation causes camera-captured images of the at least one area to be output in real time through at least one display which is both associated with the monitoring system and remotely located from the facility; and

(c) operating the at least one computer to cause at least one communication associated with the pre-movement security check initiated in (b) to be sent to the mobile phone,

wherein the at least one communication is useful to a person operating the mobile phone in deciding whether to undertake movement through the at least one area during one of entering the facility and exiting the facility.

2. The method according to claim 1 wherein the facility includes an automated banking machine,

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 user interface,

wherein the user interface includes at least one user display,

wherein each user display includes a display screen,

wherein the user interface includes function keys,

wherein the user interface 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 includes a cash dispenser,

wherein the cash dispenser is operable to selectively dispense cash stored in the machine to authorized users of the machine,

wherein the machine is operable during a requested cash dispense transaction on a financial account to:

cause user data read by the card reader to be sent to a remote financial transaction host,

carry out the requested cash dispense transaction through 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,

wherein (a) includes receiving a request from a person deciding whether to use the machine to request a cash dispense transaction,

wherein (c) includes causing results of the pre-movement security check to be sent to the mobile phone, wherein the results allow the person to decide whether to use the machine to request a cash dispense transaction.

3. The method according to claim 1 wherein the monitoring system is part of a monitoring service, wherein the at least one computer is in operative connection with at least one data store that includes user data corresponding to authorized users of the monitoring service,

wherein (a) includes operating the at least one computer to receive user data information sent from the mobile phone,

and further comprising

(d) prior to (b), operating the at least one computer to determine based at least in part on the user data information received in (a), that the request is from an authorized user of the monitoring service.

4. The method according to claim 1 wherein the monitoring system is part of a monitoring service that includes a monitoring facility, wherein the monitoring facility includes the at least one display, wherein (b) includes causing the images to be output at the monitoring facility.

5. The method according to claim 1 wherein in (c) the at least one communication includes results of the pre-movement security check, wherein the results indicate that the person should not undertake movement through the at least one area.

6. The method according to claim 1 wherein in (c) the at least one communication includes at least one text message, wherein the at least one text message includes results of the pre-movement security check.

7. The method according to claim 1 wherein the facility includes an alarm system, and further comprising

(d) responsive at least in part to results of the pre-movement security check indicating an abnormal condition with regard to the at least one area, operating the at least one computer to cause actuation of the alarm system.

8. The method according to claim 1 wherein the facility includes a building and an alarm system which when actuated is detectable from outside of the building, wherein in (c) the at least one communication indicates that the at least one area is safe for movement therethrough, and further comprising

(d) subsequent to (c), determining that the at least one area has become unsafe for movement therethrough;

and

(e) responsive at least in part to (d), operating the at least one computer to cause actuation of the alarm system.

9. The method according to claim 1 and further comprising

(d) operating the at least one computer to cause computer-analysis of the images for discrepancies with regard to previously captured images;

wherein in (c) the at least one communication indicates whether the at least one area is safe for movement therethrough based at least in part on the analysis in (d).

10. The method according to claim 9 wherein in (c) the at least one communication indicates that the at least one area is unsafe for movement therethrough based at least in part on at least one discrepancy detected in (d).

11. The method according to claim 1 wherein the monitoring system is associated with a phone position tracking system, and further comprising

(d) operating the at least one computer to determine at least one location of the mobile phone;

and

(e) operating the at least one computer to cause the at least one display to provide output corresponding to the at least one location determined in (d).

12. The method according to claim 11 wherein the phone position tracking system is operable to track the mobile phone, wherein (d) includes determining the at least one location through communication with the phone position tracking system.

13. The method according to claim 12 and further comprising the mobile phone, wherein the mobile phone includes a global position system (GPS) position indicating device, wherein the phone position tracking system is a GPS tracking system, wherein (d) includes determining the at least one location through GPS coordinates.

14. Apparatus comprising:

at least one computer associated with a monitoring system,

wherein the at least one computer is operable to receive a request originating from a mobile phone, wherein the request is for a pre-movement security check on at least one area located outside of a facility,

wherein the at least one computer is operable responsive at least in part to receiving the request, to initiate the pre-movement security check,

wherein the initiation causes camera-captured images of the at least one area to be output in real time through at least one display which is both associated with the monitoring system and remotely located from the facility,

wherein the at least one computer is operable to cause at least one communication associated with the pre-movement security check requested to be sent to the mobile phone,

wherein the at least one communication is useful to a person operating the mobile phone in deciding whether to undertake movement through the at least one area during one of entering the facility and exiting the facility.

15. The apparatus according to claim 14 wherein the facility includes an automated banking machine,

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 user interface,

wherein the user interface includes at least one user display,

wherein each user display includes a display screen,

wherein the user interface includes function keys,

wherein the user interface 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 includes a cash dispenser operable to selectively dispense cash stored in the machine to authorized users of the machine,

wherein the machine is operable during a requested cash dispense transaction on a financial account to:

cause user data read by the card reader to be sent to a remote financial transaction host,

carry out the requested cash dispense transaction through 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,

wherein the at least one computer is operable to receive the request from a person deciding whether to use the machine to request a cash dispense transaction,

wherein the at least one communication includes results of the pre-movement security check, wherein the results allow the person to decide whether to use the machine to request a cash dispense transaction.

16. The apparatus according to claim 14 wherein the monitoring system is part of a monitoring service that includes a monitoring facility, wherein the monitoring facility includes the at least one display.

17. The apparatus according to claim 14 wherein the facility includes a building and an alarm system which when actuated is detectable from outside of the building, wherein the at least one computer is operable to cause actuation of the alarm system responsive at least in part to results of the pre-movement security check indicating an abnormal condition with regard to the at least one area.

18. The apparatus according to claim 14 wherein the at least one computer is operable to cause computer-analysis of the images for discrepancies with regard to previously captured images, wherein the at least one communication indicates whether the at least one area is safe for movement therethrough based at least in part on the analysis.

19. The apparatus according to claim 14 wherein the monitoring system is associated with a phone position tracking system operable to track the mobile phone, wherein the at least one computer is operable to determine at least one location of the mobile phone, and wherein the at least one computer is operable to cause the at least one display to provide output corresponding to the at least one location determined.

20. The apparatus according to claim 19 and further comprising the mobile phone, wherein the mobile phone includes a global position system (GPS) position indicating device, wherein the phone position tracking system is a GPS tracking system, wherein the at least one computer is operable to determine the at least one location of the mobile phone through GPS coordinates.

21. At least one computer readable medium comprising non-transitory computer executable instructions that when executed by at least one computer associated with a monitoring system, cause the at least one computer to carry out a method comprising the steps of:

(a) operating the at least one computer to receive a request which originated from a mobile phone, wherein the request is for a pre-movement security check on at least one area located outside of a facility;

(b) operating the at least one computer responsive at least in part to the request received in (a), to initiate the pre-movement security check,

wherein the initiation causes camera-captured images of the at least one area to be output in real time through at least one display which is both associated with the monitoring system and remotely located from the facility; and

(c) operating the at least one computer to cause at least one communication associated with the pre-movement security check initiated in (b) to be sent to the mobile phone,

wherein the at least one communication is useful to a person operating the mobile phone in deciding whether to undertake movement through the at least one area during one of entering the facility and exiting the facility.