Automated banking machine and monitoring method
First Claim
Patent Images
1. A method comprising:
- (a) operating an automated banking machine operable to carry out financial transactions responsive at least in part to data read from data bearing records, 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,wherein the machine includes at least one data reader,wherein the at least one data reader operable to read data from data bearing records,wherein the at least one data reader operable to read user data usable to identify a financial account;
(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 visible feature of the user as a legally binding electronic signature of the user for purposes of endorsing the check;
(c) operating at least one device of the machine to obtain the at least one visible feature of the user,wherein the at least one visible feature is unique to the user; and
(d) subsequent to (a)-(c), operating the machine to cause the check received in (a) to be correlated with the at least one visible feature obtained in (c),wherein the at least one visible feature 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.
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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.
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Citations
23 Claims
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1. A method comprising:
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(a) operating an automated banking machine operable to carry out financial transactions responsive at least in part to data read from data bearing records, 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, wherein the machine includes at least one data reader, wherein the at least one data reader operable to read data from data bearing records, wherein the at least one data reader operable to read user data usable to identify a financial account; (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 visible feature of the user as a legally binding electronic signature of the user for purposes of endorsing the check; (c) operating at least one device of the machine to obtain the at least one visible feature of the user, wherein the at least one visible feature is unique to the user; and (d) subsequent to (a)-(c), operating the machine to cause the check received in (a) to be correlated with the at least one visible feature obtained in (c), wherein the at least one visible feature 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. - View Dependent Claims (2, 3, 4)
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5. A method comprising:
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(a) operating an automated banking machine to inform a user of the machine that a unique visual feature of the user can be used by the machine as an electronic signature of the user for purposes of providing a legally binding signature to a document which is absent at least one legally binding signature of the user needed 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 the unique visual feature of the user be a legally binding electronic signature of the user for the document; (c) operating the machine to obtain the unique visual feature; and (d) responsive at least in part to (b), operating the machine to cause the unique visual feature obtained in (c) to be the legally binding electronic signature for the document in achieving the legal effect. - View Dependent Claims (6, 7, 8, 9)
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10. A method of operating an automated machine to allow a user of the machine to apply a legally binding user signature to a document that needs the legally binding user signature to achieve a legal effect, comprising:
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(a) operating the machine to obtain user data that is usable to uniquely identify the user, wherein the user data comprises information about at least one physical body feature that is unique to the user; and (b) operating the machine to cause the user data obtained in (a) to be correlated with the document, wherein the correlation causes a legally binding electronic signature of the user to be applied to the document, wherein the legally binding electronic signature of the user allows the document to achieve the legal effect. - View Dependent Claims (11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23)
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Specification