Banking system controlled responsive to data read from data bearing records
First Claim
1. Apparatus comprising:
- an automated banking machine,wherein the machine includes at least one reader,wherein the at least one reader is operable to read user data usable to identify a financial account with which the machine is operable responsive at least in part to computer-determined association between the user data read and the financial account, to carry out a financial transaction,wherein the machine includes at least one cash dispenser,wherein the at least one cash dispenser is operable to selectively dispense cash from a total amount of currency notes stored in the machine, to machine users authorized to request financial transactions based at least in part on user data read by the at least one reader,wherein the machine includes at least one data store,wherein the at least one data store includes cash data,wherein the cash data includes at least one of;
cash dispense data which corresponds to an amount of cash dispensed by the at least one cash dispenser since a prior loading of cash into the machine, and
cash remaining data which corresponds to an amount of cash remaining in the machine since the prior loading of cash into the machine,wherein the machine includes at least one data transmitter,wherein the at least one data transmitter is operable during a cash handling operation involving the machine towirelessly transmit the cash data to at least one portable device that is operable to communicate with the machine and that includes
at least one device data receiver operable to wirelessly receive the cash data transmitted by the at least one data transmitter,
at least one device data store,
electronic circuitry operable to cause the cash data received by the at least one device data receiver to be stored in the at least one device data store, and
at least one device data transmitter operable to wirelessly transmit cash loading data stored in the at least one device data store,
wherein the cash loading data corresponds to an amount of cash to be loaded in the machine during a cash handling operation,while the at least one portable device is located on site of the machine adjacently outside of the machine,wherein the machine includes at least one data receiver,wherein the at least one data receiver is operable during a cash handling operation while the at least one portable device is located on site of the machine adjacently outside of the machine,to wirelessly receive the cash loading data transmitted by the at least one device data transmitter,wherein the machine includes electronic circuitry operable to cause cash loading data received by the at least one data receiver to be stored in the at least one data store.
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Accused Products
Abstract
A banking system is controlled responsive to data included on data bearing records. The system includes a deposit accepting machine for accepting deposit items, such as deposit bags, currency, and checks. The deposit accepting machine includes a card reader operable to read financial account data from cards of depositors. The machine includes a RFID reader that wirelessly reads data from RFID tags on deposited items, including account number and deposit amount data. A computer credits the account for the read deposit amount. The machine, which can also dispense cash, further includes an NFC reader that can wirelessly receive cash loading data from an NFC component on a cash handler'"'"'s cash transport bag. The cash loading data can include an amount of cash loaded into the machine. The machine can wirelessly transmit to the bag, dispense data that includes the amount of cash dispensed since the last cash loading.
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Citations
22 Claims
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1. Apparatus comprising:
an automated banking machine, wherein the machine includes at least one reader, wherein the at least one reader is operable to read user data usable to identify a financial account with which the machine is operable responsive at least in part to computer-determined association between the user data read and the financial account, to carry out a financial transaction, wherein the machine includes at least one cash dispenser, wherein the at least one cash dispenser is operable to selectively dispense cash from a total amount of currency notes stored in the machine, to machine users authorized to request financial transactions based at least in part on user data read by the at least one reader, wherein the machine includes at least one data store, wherein the at least one data store includes cash data, wherein the cash data includes at least one of;
cash dispense data which corresponds to an amount of cash dispensed by the at least one cash dispenser since a prior loading of cash into the machine, and
cash remaining data which corresponds to an amount of cash remaining in the machine since the prior loading of cash into the machine,wherein the machine includes at least one data transmitter, wherein the at least one data transmitter is operable during a cash handling operation involving the machine to wirelessly transmit the cash data to at least one portable device that is operable to communicate with the machine and that includes
at least one device data receiver operable to wirelessly receive the cash data transmitted by the at least one data transmitter,
at least one device data store,
electronic circuitry operable to cause the cash data received by the at least one device data receiver to be stored in the at least one device data store, and
at least one device data transmitter operable to wirelessly transmit cash loading data stored in the at least one device data store,
wherein the cash loading data corresponds to an amount of cash to be loaded in the machine during a cash handling operation,while the at least one portable device is located on site of the machine adjacently outside of the machine, wherein the machine includes at least one data receiver, wherein the at least one data receiver is operable during a cash handling operation while the at least one portable device is located on site of the machine adjacently outside of the machine, to wirelessly receive the cash loading data transmitted by the at least one device data transmitter, wherein the machine includes electronic circuitry operable to cause cash loading data received by the at least one data receiver to be stored in the at least one data store. - View Dependent Claims (2, 3, 4)
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5. Apparatus comprising:
an automated banking machine, wherein the machine includes at least one reader, wherein the at least one reader is operable to read user data usable to identify a financial account with which the machine is operable responsive at least in part to computer-determined association between the user data read and the financial account, to carry out a financial transaction, wherein the machine includes at least one cash dispenser, wherein the at least one cash dispenser is operable to selectively dispense cash from a total amount of currency notes stored in the machine, to machine users authorized to request financial transactions based at least in part on user data read by the at least one reader, wherein the machine includes at least one data store, wherein the at least one data store includes cash data, wherein the cash data includes at least one of;
cash dispense data which corresponds to an amount of cash dispensed by the at least one cash dispenser since a prior loading of cash into the machine, and
cash remaining data which corresponds to an amount of cash remaining in the machine since the prior loading of cash into the machine,wherein the machine includes at least one data transmitter, wherein the at least one data transmitter is operable during a cash handling operation involving the machine to wirelessly transmit the cash data to at least one portable device including
at least one device data receiver operable to wirelessly receive the cash data transmitted by the at least one data transmitter,
at least one device data store, and
electronic circuitry operable to cause the cash data received by the at least one device data receiver to be stored in the at least one device data store,while the at least one portable device is located on site of the machine adjacently outside of the machine. - View Dependent Claims (6, 7, 8, 9, 10, 11, 12, 13)
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14. Apparatus comprising:
an automated banking machine, wherein the machine includes at least one reader, wherein the at least one reader is operable to read user data usable to identify a financial account with which the machine is operable responsive at least in part to computer-determined association between the user data read and the financial account, to carry out a financial transaction, wherein the machine includes at least one cash dispenser, wherein the at least one cash dispenser is operable to selectively dispense cash from a total amount of currency notes stored in the machine, to machine users authorized to request financial transactions based at least in part on user data read by the at least one reader, wherein the machine includes at least one data store, wherein the machine includes at least one data receiver, wherein the at least one data receiver is operable during a cash loading operation involving the machine to wirelessly receive cash loading data which corresponds to an amount of cash to be loaded in the machine during the cash loading operation, from at least one portable device including
at least one device data store including the cash loading data, and
at least one data transmitter operable to wirelessly transmit the cash loading data,while the at least one portable device is located on site of the machine adjacently outside of the machine, wherein the machine includes electronic circuitry operable to cause the cash loading data received by the at least one data receiver to be stored in the at least one data store. - View Dependent Claims (15, 16, 17, 18, 19, 20, 21, 22)
Specification