Banking system operated responsive to data read from data bearing records

• US 8,584,935 B2
• Filed: 12/21/2012
• Issued: 11/19/2013
• Est. Priority Date: 05/07/1997
• Status: Expired due to Fees

• Current Assignee: Diebold Incorporated (Diebold Nixdorf, Incorporated)
• Original Assignee: Diebold Incorporated (Diebold Nixdorf, Incorporated)
• Inventors: DePietro, Mark, MEEK, JAMES, Bakerink, Allan R., Frazzitta, Bartholomew J., Benore, Randolph C., McIntyre, Daniel S.
• Primary Examiner(s): TRAIL, ALLYSON NEEL
• Application Number:
  US13/724,371
• Publication Number:
  US 20130114877A1
• Time in Patent Office: 333 Days
• Field of Search: 235/379, 235/381, 705/10, 705/14, 705/41
• US Class Current: 235/379
• CPC Class Codes: G06Q 20/105 involving programming of a portable memory device, e.g. IC cards, "electronic purses"
• CPC Class Codes: G06Q 20/108 Remote banking, e.g. home banking
• CPC Class Codes: G06Q 20/1085 involving automatic teller machines [ATMs]
• CPC Class Codes: G06Q 20/40145 Biometric identity checks
• CPC Class Codes: G06Q 30/02 Marketing; Price estimation or determination; Fundraising
• CPC Class Codes: G06Q 30/0201 Market modelling; Market analysis; Collecting market data
• CPC Class Codes: G06Q 30/0241 Advertisements
• CPC Class Codes: G06V 30/40 Document-oriented image-based pattern recognition
• CPC Class Codes: G07F 19/20 Automatic teller machines [ATMs]
• CPC Class Codes: G07F 19/201 Accessories of ATMs
• CPC Class Codes: G07F 19/211 Software architecture within ATMs or in relation to the ATM network
• CPC Class Codes: H04N 7/18 Closed-circuit television [CCTV] systems, i.e. systems in which the video signal is not broadcast

Abstract

A banking system includes automated banking machines that operate responsive to data read from data bearing records. Transactions may also be carried out through communication with local and remote service providers. An automated banking machine is operative to conduct transactions including cash dispensing for users, responsive to data read from user cards and communication with a transaction host. The machine is also operative to provide output signals which drive external displays. A machine processor is operative to cause the machine to receive visual and/or audio content from content sources and to store data corresponding to the content. The content is then output through the external displays.

Claims

1. Apparatus comprising:

a teller station,

wherein the teller station includes a queuing indicator,

wherein the queuing indicator is in operative connection with at least one customer sensor operable to detect customers at a plurality of transaction terminals, which are each usable by respective customers to conduct cash-depositing transactions and cash-receiving transactions,

wherein the queuing indicator is operable to determine queuing information corresponding to an order in which customers at the transaction terminals are to be sequentially served by the teller station,

wherein the teller station includes at least one terminal communication selector unit,

wherein the at least one terminal communication selector unit allows a teller of the teller station to selectively establish two-way audio and video communication with a respective customer at each respective transaction terminal,

wherein the teller station allows the teller to be involved with different transactions conducted at different transaction terminals,

wherein the teller station allows informational material to be presented to other customers of other transaction terminals while two-way audio and video communication is being conducted between the teller and a customer conducting a transaction at a different transaction terminal,

wherein the teller station includes at least one teller display,

wherein the at least one teller display is in operative connection with the queuing indicator,

wherein the at least one teller display is operable to display the queuing information,

wherein the teller station includes at least one teller input device operable to receive input from the teller,

wherein the at least one teller input device is in operative connection with the queuing indicator,

wherein the teller station allows the teller to provide to the at least one teller input device, at least one first input that causes;

 

two-way audio and video communication to be established between the teller and a first customer at a first transaction terminal that is to be served next based on the queuing information, and

 

the at least one teller display to display transaction data associated with a check cashing transaction requested by the first customer,

 

wherein the transaction data includes check data corresponding to at least a portion of a check involved in the check cashing transaction,

 

wherein the check data indicates a check amount,

wherein the teller station allows the teller to provide to the at least one teller input device, responsive at least in part to the displayed transaction data indicating that the first customer is authorized to conduct the check cashing transaction, at least one second input that causes;

 

a cash amount associated with the check amount to be delivered to the first customer at the first terminal, and

 

a financial transfer involving the cash amount.

2. The apparatus according to claim 1 and further comprising a banking system that includes the plurality of transaction terminals,

wherein each terminal includes at least one reader operable to read user data usable to identify a financial account on which financial transactions can be carried out,

wherein each terminal is operable to allow a machine user to request a check cashing transaction responsive at least in part to the terminal user being recognized as an authorized customer based at least in part on determined correspondence between user data read by the at least one reader and authorized customer information stored in at least one data store,

wherein each terminal includes a check acceptor,

wherein the check acceptor is operable to receive at least one check from the terminal user,

wherein each terminal includes a check imager,

wherein the check imager is operable to capture at least one image of at least a portion of a check received by the check acceptor,

wherein each terminal includes a cash dispenser,

wherein each terminal includes at least one processor,

wherein the at least one processor is operable to resolve from the at least one image captured by the check imager, check data including a check amount,

wherein the at least one processor is in operative connection with the cash dispenser and the at least one teller input device,

wherein the at least one processor is configured to cause the cash dispenser to dispense a cash amount that corresponds to the check amount, responsive at least in part to the at least one second input to the at least one teller input device.

3. The apparatus according to claim 2 wherein for each terminal:

the at least one reader includes a card reader and a biometric reader,

the at least one processor is operative during a transaction to cause card data to be read from a customer card through operation of the card reader, and

cause biometric data to be read from a terminal user through operation of the biometric reader,

the at least one processor is operative to cause the read card data to be compared with card information stored in the at least one data store,

the at least one processor is operative to cause the read biometric data to be compared with biometric information in the at least one data store,

a terminal user is authorized to request a check cashing transaction responsive at least in part to;

computer-determined correspondence between the read card data and stored card information,

computer-determined correspondence between the read biometric data and stored biometric information, and

computer-determined correspondence between the read card data and the read biometric data.

4. Apparatus comprising:

a teller station,

wherein the teller station includes a queuing indicator,

wherein the queuing indicator is in operative connection with at least one customer sensor operable to detect customers at a plurality of transaction terminals, which are each usable by respective customers to conduct cash-depositing transactions and cash-receiving transactions,

wherein the queuing indicator is configured to operate responsive at least in part to customer detection by the at least one customer sensor, to display queuing information that indicates an order in which customers at the transaction terminals are to be sequentially served by the teller station,

wherein the teller station includes at least one terminal communication selector unit,

wherein the at least one terminal communication selector unit allows a teller operating the teller station to selectively establish two-way audio and video communication with a respective customer at each respective transaction terminal,

wherein the teller station allows the teller to be involved with different transactions conducted at different transaction terminals,

wherein the teller station allows informational material to be presented to other customers of other transaction terminals while two-way audio and video communication is being conducted between the teller and a customer conducting a transaction at a different transaction terminal,

wherein the teller station includes at least one teller output device,

wherein the at least one teller output device includes at least one teller display,

wherein the teller station includes at least one teller input device operable to receive input from the teller,

wherein the at least one teller input device is in operative connection with the queuing indicator,

wherein at least one first input to the at least one teller input device is operative to cause;

two-way audio and video communication to be established between the teller and a first customer at a first terminal that is to be served next based on the queuing information, and

the at least one teller display to display transaction data associated with the first customer,

wherein at least one second input to the at least one teller input device responsive at least in part to the displayed transaction data corresponding to a customer authorized to conduct a cash-receiving transaction, is operative to cause cash to be delivered to the first customer at the first terminal.

5. The apparatus according to claim 4

wherein each respective transaction terminal includes at least one processor, a check acceptor, a check imager, and at least one reader operable to read customer data usable to identify a financial account on which financial transactions can be carried out,

wherein the check imager of a respective terminal is operable to capture at least one image of at least one side of a check received by the check acceptor of the respective terminal, and

wherein the at least one processor of the respective terminal is operable to resolve check data from the at least one image captured by the check imager of the respective terminal,

wherein the at least one first input to the at least one teller input device is operative to cause the at least one teller display to output transaction data that includes check data resolved by the at least one processor of the respective terminal.

6. The apparatus according to claim 5 wherein the queuing indicator is operable to determine queuing information that provides priority to a customer involved in a check cashing transaction that has continued at a terminal a predetermined time length after operation of the check imager of the terminal.

7. The apparatus according to claim 4 wherein the plurality of transaction terminals comprise automated banking machines which are each operable by authorized customers to conduct a cash-receiving transaction that includes at least one of a cash withdrawal transaction and a check cashing transaction, wherein the first terminal comprises a first machine,

wherein the queuing indicator is configured to operate to display queuing information responsive at least in part to detection by the at least one customer sensor of a customer at the first machine.

8. The apparatus according to claim 7

wherein each respective automated banking machine includes at least one processor, a check acceptor, and a check imager, wherein a respective check imager is operable to capture an image of at least one side of a check received by a respective check acceptor,

wherein the at least one processor is operable to resolve check data from images captured by the check imager, wherein the check data includes a check amount.

9. The apparatus according to claim 7

wherein each respective automated banking machine includes a respective cash dispenser that is in operative connection with the at least one teller input device,

wherein the at least one second input to the at least one teller input device is operative to cause the cash dispenser of the first machine to deliver cash to the first customer.

10. The apparatus according to claim 4 wherein the teller station is connected to each respective transaction terminal by a respective item conveyor system,

wherein each respective item conveyor system is operable to physically move at least one item between the teller station and the respective transaction terminal.

11. The apparatus according to claim 10 wherein each item conveyor system includes a pneumatic tube.

12. The apparatus according to claim 10 wherein the teller station and the transaction terminals are located in a same building.

13. The apparatus according to claim 4 wherein the teller station allows the teller to be simultaneously involved with different transactions being conducted at different transaction terminals,

wherein during two-way audio and video communication with a transaction terminal customer conducting a transaction, the teller station allows the informational material to be presented to other transaction terminal customers that are conducting other transactions with which the teller is simultaneously involved.

14. The apparatus according to claim 4 wherein each respective transaction terminal includes a customer touch screen,

wherein the queuing indicator is operable to provide a queue comprising an order in which waiting customers who requested teller assistance are to be served,

wherein each respective transaction terminal allows a respective customer during a respective financial transaction, to request teller assistance by providing input to the customer touch screen,

wherein the queuing indicator is in operative connection with the customer touch screen,

wherein the queuing indicator is operable responsive at least in part to the request, to update the queue to reflect that the respective customer is waiting to be served.

15. The apparatus according to claim 14 wherein the at least one teller display includes a teller touch screen, wherein input to the teller touch screen is operable to cause the customer touch screen to visually change to show transaction assistance that includes a pointing to at least one specific location on the customer touch screen.

16. The apparatus according to claim 14 wherein the at least one teller display includes a teller touch screen, wherein input to the teller touch screen is operable to cause the customer touch screen to visually change to show transaction assistance that includes highlight of specific data on the customer touch screen.

17. Apparatus comprising:

an automated banking machine,

wherein the machine includes at least one reader operable to read user data usable to identify a financial account on which financial transactions can be carried out,

wherein the machine is operable to allow a machine user to request a check cashing transaction responsive at least in part to the machine user being recognized as an authorized customer based at least in part on determined correspondence between user data read by the at least one reader and authorized customer information stored in at least one data store,

wherein the machine includes a check acceptor,

wherein the check acceptor is operable to receive at least one check from the machine user,

wherein the machine includes a check imager,

wherein the check imager is operable to capture at least one image of at least a portion of a check received by the check acceptor,

wherein the machine includes a cash dispenser,

wherein the machine allows the machine user to be in two-way audio and video communication with a teller at a remote teller station,

wherein the machine is operable to allow advertising informational material to be presented to the machine user when the machine user is not involved in two-way audio and video communication with the teller,

wherein the machine includes at least one processor,

wherein the at least one processor is operable to determine when a check cashing transaction is requested by a machine user,

wherein the at least one processor is in operative connection with a queuing indicator of the teller station which indicates an order in which requested check cashing transactions are to be served by the teller,

wherein the at least one processor is configured to operate responsive at least in part to determination of a check cashing transaction request, to cause the queuing indicator to be informed of the request,

wherein the at least one processor is operable to resolve from at least one image captured by the check imager, check data including a check amount,

wherein the at least one processor is operable to cause the check data to be provided to the teller station,

wherein the at least one processor is in operative connection with the cash dispenser,

wherein the at least one processor is in operative connection with at least one teller input device at the teller station,

wherein the at least one processor is configured to cause the cash dispenser to dispense a cash amount that corresponds to the check amount, responsive at least in part to at least one input to the at least one teller input device.

18. The apparatus according to claim 17 wherein the automated banking machine includes a customer touch screen,

wherein the customer touch screen is in operative connection with the queuing indicator,

wherein the machine allows the machine user to request teller assistance through input to the customer touch screen,

wherein the request is operative to cause the queuing indicator to update a queue comprising an order in which waiting customers who requested teller assistance are to be served.

19. The apparatus according to claim 18 wherein the teller station includes a teller touch screen, wherein the customer touch screen is operable to visually change to show transaction assistance that includes a pointing to at least one specific location on the customer touch screen, responsive at least in part to input to the teller touch screen.

20. The apparatus according to claim 18 wherein the teller station includes a teller touch screen, wherein the customer touch screen is operable to visually change to show transaction assistance that includes highlight of specific data on the customer touch screen, responsive at least in part to input to the teller touch screen.