Automated banking machine system and method

• US 8,396,766 B1
• Filed: 11/23/2001
• Issued: 03/12/2013
• Est. Priority Date: 10/09/1998
• Status: Active Grant

• Current Assignee: Diebold Nixdorf, Incorporated
• Original Assignee: Diebold Incorporated (Diebold Nixdorf, Incorporated)
• Inventors: Somers, Jr., Charles H., Enright, Jeffery M., Shirah, Jr., Leroy, Ucker, LuAnn, Varn, Kenneth C.
• Primary Examiner(s): Oyebisi, Ojo O
• Application Number:
  US09/992,436
• Time in Patent Office: 4,127 Days
• Field of Search: 235/379, 235/382, 235/375, 235/380, 705/35
• US Class Current: 705/35
• 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

A system and method captures image data in association with the operation of an automated banking machine. Image data associated with users and documents may be acquired, analyzed and transferred. Images may be captured responsive to programmed sequences. The sequences may be performed on a periodic basis as well as in response to inputs corresponding to alarm conditions and transactions conducted at automated banking machines or other devices. Image data may also be captured in response to image conditions including the sensing of motion or the loss of usable video from selected cameras. Image data may be stored in connection with data corresponding to circumstances associated with each triggering event. Stored image data may be searched by one or more parameters. Parameters may include data stored in association with each image, types of events causing image data to be stored, as well as other image conditions and properties.

Claims

1. Apparatus comprising:

an automated banking machine,

wherein the machine is operative to produce a transaction receipt which;

provides evidence that a machine user was at the machine during a financial transaction carried out through operation of the machine, and

includes both;

financial transaction data corresponding to the financial transaction, and

at least one image of at least a portion of the machine user acquired while the machine user was at the machine during the financial transaction,

wherein the machine is operative to issue the transaction receipt from the machine.

2. The apparatus according to claim 1 and further comprising:

at least one camera in operative connection with the machine, wherein the camera is operative to capture the at least one image.

3. The apparatus according to claim 1 wherein the transaction receipt comprises a check.

4. The apparatus according to claim 1 and further comprising:

a data store in operative connection with the machine, wherein the at least one image is produced responsive to data in the data store.

5. The apparatus according to claim 4 and further comprising:

a cash dispenser device,

at least one camera in operative connection with the machine,

wherein the machine is operative to produce the at least one image responsive to data in the data store and an image captured by the at least one camera.

6. The apparatus according to claim 1 wherein the transaction receipt comprises a ticket.

7. The apparatus according to claim 1 wherein the transaction receipt comprises a coupon.

8. The apparatus according to claim 1 wherein the transaction receipt comprises a voucher redeemable for change from a transaction conducted at the machine.

9. The apparatus according to claim 3 wherein the transaction receipt comprises a paycheck.

10. The machine apparatus according to claim 1 wherein the transaction receipt includes an electronic signature.

11. The apparatus according to claim 2 and further comprising:

at least one input device on the machine, wherein the at least one input device is adapted to receive at least one input from the machine user indicative that the at least one image captured by the camera comprises an electronic signature.

12. The apparatus according to claim 1 wherein the transaction receipt includes thereon the at least one image, and wherein the machine is operative to dispense the transaction receipt including the at least one image thereon from the machine to the machine user.

13. The apparatus according to claim 1 wherein the at least one image comprises a visual representation of the user'"'"'s face.

14. The apparatus according to claim 1 wherein the transaction receipt includes machine readable indicia.

15. A method comprising:

(a) acquiring at least one image of at least a portion of a machine user while the machine user is at an automated banking machine during a financial transaction carried out by the machine user through operation of the machine;

(b) operating the machine to produce at least one document which;

provides evidence that the machine user was at the machine during the financial transaction, and

includes both;

financial transaction data corresponding to the financial transaction, and

the at least one image acquired in step (a);

(c) issuing from the machine, the at least one document produced in step (b).

16. The method according to claim 15 wherein in step (a) the at least one image is acquired through operation of a camera.

17. The method according to claim 15 wherein the machine includes a biometric reading device, and further comprising:

(d) operating the biometric reading device to read biometric user data;

wherein in step (a) the at least one image is acquired responsive to step (d).

18. The method according to claim 15 wherein the at least one document produced in step (b) includes thereon the at least one image acquired in step (a), wherein step (c) includes dispensing the at least one document from the machine to the machine user.

19. The method according to claim 15 wherein in step (b) the at least one document comprises a receipt for the financial transaction, wherein the receipt includes thereon the at least one image acquired in step (a).

20. The method according to claim 15 wherein step (c) includes issuing a check from the machine, and wherein the at least one image acquired in step (a) is included on the check.

21. The method according to claim 15 wherein in step (b) the at least one document includes an electronic signature.

22. The method according to claim 15 wherein in step (b) the at least one document includes machine readable indicia.

23. The method according to claim 16 and further comprising:

(d) storing data in a data store in operative connection with the machine;

wherein in step (b) the at least one document is produced responsive to data stored in the data store.

24. The method according to claim 15 wherein in step (b) the at least one document comprises a ticket.

25. The method according to claim 24 wherein the at least one document comprises an airline ticket.

26. The method according to claim 15 wherein in step (b) the at least one document comprises a coupon.

27. The method according to claim 15 wherein in step (b) the at least one document comprises a document redeemable for change from the financial transaction.

28. The method according to claim 15 wherein in step (b) the at least one document comprises a paycheck.

29. The method according to claim 15 wherein the machine includes a cash dispenser device, and further comprising:

(d) operating the cash dispenser device to dispense cash from the machine;

wherein the financial transaction comprises a cash withdraw transaction, wherein the financial transaction data corresponds to an amount of cash dispensed in step (d), and wherein the at least one document comprises a transaction receipt for the cash withdraw transaction.

30. The method according to claim 15 wherein in step (b) the at least one image comprises a visual representation of the user'"'"'s face.

31. The method according to claim 30 wherein in step (b) the at least one document includes machine readable indicia.

32. The method according to claim 15 and further comprising:

(d) comparing the at least one image included on the at least one document to an image of an individual presenting the at least one document at a location remote from the machine;

(e) providing at least one of goods, services, and value to the individual responsive to the at least one image compared in step (d) corresponding to the image of the individual.

33. The method according to claim 15 and further comprising:

(d) comparing the financial transaction data included on the at least one document to data corresponding to an individual presenting the at least one document at a location remote from the machine;

(e) providing at least one of goods, services, and value to the individual responsive to the financial transaction data compared in step (d) corresponding to the data corresponding to the individual.

34. The method according to claim 15 wherein the machine is in operative connection with at least one camera and with at least one data store including for a plurality of individuals, data corresponding to at least one image of at least a portion of each of the plurality of individuals, and further comprising:

(d) comparing data corresponding to at least one image of the user captured by the at least one camera to the data in the at least one data store.

35. The method according to claim 34 wherein step (c) includes issuing the at least one document responsive to a positive comparison in step (d) that the data corresponding to the at least one image of the user captured by the at least one camera user corresponds to data stored in the data store for one of the plurality of individuals.

36. A method comprising:

(a) operating an automated teller machine (ATM) to carry out a financial transaction responsive to at least one input to the ATM by a user of the ATM, wherein the ATM includes at least one computer and a cash dispenser device;

(b) operating at least one camera to capture at least one user image of at least a portion of the user while the user is at the machine during the financial transaction;

(c) operating the ATM to produce at least one document that includes both;

at least one user image captured in step (b), and

financial data corresponding to the financial transaction,

wherein the at least one document provides evidence of the user being at the ATM during at least a portion of step (a); and

(d) operating the ATM to dispense the at least one document produced in step (c) from the ATM to the user.

37. The method according to claim 36 wherein the financial transaction comprises a cash withdraw transaction, and further comprising:

(e) operating the cash dispenser device to dispense cash from the ATM during the cash withdraw transaction;

wherein in step (c) the at least one document produced comprises a transaction receipt for the cash withdraw transaction,

wherein the receipt includes thereon both the at least one image captured in step (b) and financial data corresponding to an amount of cash withdrawn in the cash withdraw transaction.