Automated banking machine and monitoring method

• US 8,474,704 B1
• Filed: 11/05/2012
• Issued: 07/02/2013
• 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:
  US13/668,446
• Time in Patent Office: 239 Days
• Field of Search: 235/379, 235/383, 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 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 at least one computer associated with a monitoring system to receive mobile phone-communicated information from a person during a user session with the monitoring system,

wherein the information includes data usable to verify that person is an authorized user of the monitoring system,

wherein the information includes a request for a real-time remotely monitored escort through at least one area associated with a facility,

wherein the information includes data usable to identify the facility;

(b) responsive at least in part to the information received in (a), operating the at least one computer during the user session to cause real-time visual output through at least one display of images captured by at least one camera,

wherein the at least one display is;

remotely located from the facility, and

associated with the monitoring system,

wherein the images include;

views of areas of the at least one area that include current location the person, and

views of other areas of the at least one area that are proximate to current location of the person; and

(c) operating the at least one computer during the user session while the person is viewable through the at least one display, to cause at least one audio message to be sent to the mobile phone,

wherein the at least one audio message confirms that the person is being viewed through the at least one display,

wherein the at least one audio message provides escort information to the person regarding safety of movement through the at least one area.

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,

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 the request from a person deciding 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, and further comprising

(d) operating the at least one computer to determine based at least in part on the 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 the facility comprises a bank, and wherein (b) includes providing images of at least a part of the bank.

6. A method comprising:

(a) operating at least one processor to allow a monitoring service to receive a request which originated from a mobile phone, wherein the request is for information regarding safety of customer movement through at least one area associated with a facility;

(b) responsive at least in part to the request received in (a) being associated with an authorized user of the monitoring service, operating the at least one processor to cause initiation of remote monitoring of the at least one area;

(c) responsive at least in part to (b), operating the at least one processor to cause camera-captured images of the at least one area to be output in real time through at least one display during travel of the customer through the at least one area,

wherein the at least one display is both associated with the monitoring service and remotely located from the facility,

wherein the images include views of at least one other area that is adjacent to an area in which the customer is currently located; and

(d) operating the at least one processor during travel of the customer through the at least one area, to cause real-time audio information regarding safety of customer movement through the at least one area to be sent to the mobile phone,

wherein the audio information is based on the images output through the at least one display,

wherein the audio information includes at least one indication of whether the at least one other area is safe for customer movement therethrough.

7. The method according to claim 6 wherein the monitoring service includes a monitoring facility, wherein the monitoring facility includes the at least one display, and wherein (c) includes causing the images to be output at the monitoring facility.

8. The method according to claim 6 wherein the monitoring service is associated with a global position system (GPS) tracking system, and further comprising

(e) operating the at least one processor to obtain through communication with the GPS tracking system, at least one location of the mobile phone;

and

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

9. The method according to claim 6 wherein the facility comprises a building, and wherein (c) includes providing images of at least a part of the building.

10. The method according to claim 9 wherein the building includes a bank, and wherein (c) includes providing images of at least a part of the bank.

11. The method according to claim 6 and further comprising

(e) subsequent to (d), operating the at least one processor to receive at least one end monitoring message sent from the mobile phone;

and

(f) operating the at least one processor responsive at least in part to the message received in (e), to end remote monitoring of the at least one area.

12. A method comprising:

(a) operating a monitoring system to receive a request which originated from a mobile phone,

wherein the request is by a customer of the monitoring system,

wherein the request is for safe guidance of customer movement through at least one area associated with a facility during a customer session with the monitoring system,

wherein the monitoring system is associated with at least one display that is remotely located from the facility,

wherein the monitoring system is associated with at least one computer,

wherein the at least one computer is in operative connection with the at least one display;

(b) responsive at least in part to the request received in (a), operating the monitoring system during the customer session to cause visual display of the at least one area to be output through the at least one display,

wherein the monitoring system is in audio communication with the mobile phone during at least a part of the visual display output; and

(c) operating the monitoring system during the audio communication to cause at least one audio message to be sent to the mobile phone,

wherein the at least one audio message relates to safety of the customer determined at least in part from the visual display output in (b),

wherein the at least one audio message is useful to the customer in deciding whether to move through the at least one area.

13. The method according to claim 12 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, and further comprising

(d) prior to (b), operating the at least one computer to obtain information that the request received in (a) is from an authorized user of the monitoring service;

and

(e) prior to (b), operating the at least one computer to allow the customer session responsive at least in part to the information obtained in (d).

14. The method according to claim 13 wherein the facility includes an automated transaction 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 card reader,

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

wherein the machine includes a biometric reader,

and further comprising:

(f) operating the card reader to read card data;

(g) operating the biometric reader to read biometric data; and

(h) determining that the request received in (a) is from an authorized user of the monitoring service, responsive at least in part to both

computer-determined correspondence between the card data read in (f) and stored card information, and

computer-determined correspondence between the biometric data read in (g) and stored biometric information;

wherein (a) includes receiving the request from a person deciding whether to use the machine to request a transaction that involves a financial account.

15. The method according to claim 12 and further comprising

(d) subsequent to (c), operating the monitoring system to receive at least one customer message sent from the mobile phone,

wherein the customer message includes an indication of safe passage by the customer through the at least one area;

and

(e) operating the monitoring system to end the customer session responsive at least in part to the customer message received in (d).

16. The method according to claim 12 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 visual display of the at least one area to be output at the monitoring facility.

17. The method according to claim 12 wherein (b) includes causing camera-captured images of the at least one area to be output in real time through the at least one display.

18. The method according to claim 17 wherein (b) includes operating the monitoring system during the customer session to cause at least one camera to capture the images of the at least one area.

19. The method according to claim 12 wherein the facility comprises a building, and wherein (b) includes displaying images of at least a part of the building.

20. The method according to claim 19 wherein the building includes a bank, and wherein (b) includes displaying images of at least a part of the bank.