Banking system controlled responsive to data read from data bearing records

• US 9,022,284 B2
• Filed: 11/26/2013
• Issued: 05/05/2015
• Est. Priority Date: 11/25/1998
• Status: Expired due to Term

• Current Assignee: Diebold Nixdorf, Incorporated
• Original Assignee: Diebold Incorporated (Diebold Nixdorf, Incorporated)
• Inventors: Reese, Rodney J., Artino, Robert V., Graef, H. Thomas, Davis, Steven R., DePietro, Mark A., Jenkins, Randall W., Hanna, J. Richard, Meffie, Michael A.
• Primary Examiner(s): Haupt, Kristy A
• Application Number:
  US14/090,495
• Publication Number:
  US 20140131439A1
• Time in Patent Office: 525 Days
• Field of Search: 235/379, 902 8- 9, 902 13- 14, 232/43.3
• US Class Current: 235/379
• CPC Class Codes: G06Q 20/1085 involving automatic teller machines [ATMs]
• CPC Class Codes: G06Q 20/308 using the Internet of Things
• CPC Class Codes: G06Q 20/327 Short range or proximity payments by means of M-devices
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03
• CPC Class Codes: G07D 1/00 Coin dispensers devices delivering paper currency G07D11/00
• CPC Class Codes: G07D 11/0087 Banknote changing devices
• CPC Class Codes: G07D 11/0096 Accepting paper currency or other valuables in containers, e.g. in code-marked envelopes
• CPC Class Codes: G07D 11/14 Inlet or outlet ports
• CPC Class Codes: G07D 11/40 Device architecture, e.g. modular construction
• CPC Class Codes: G07F 19/20 Automatic teller machines [ATMs]
• CPC Class Codes: G07F 19/201 Accessories of ATMs
• CPC Class Codes: G07F 19/202 Depositing operations within ATMs depositing in general G07D11/00
• CPC Class Codes: G07F 19/207 Surveillance aspects at ATMs
• CPC Class Codes: H01Q 1/2208 associated with components used in interrogation type services, i.e. in systems for information exchange between an interrogator/reader and a tag/transponder, e.g. in Radio Frequency Identification [RFID] systems methods or arrangements for sensing record carriers, e.g. for reading patterns G06K7/00; record carrier for use with machines and with at least a part designed to carry digital markings G06K19/00
• CPC Class Codes: Y10S 902/08 Terminal* with means permitting deposit or withdrawal, e.g. ATM
• CPC Class Codes: Y10S 902/09 with secure receptacle, e.g. safe, depository
• CPC Class Codes: Y10S 902/13 Dispensing, e.g. money cassette
• CPC Class Codes: Y10S 902/14 with cash dispenser

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.

Claims

1. An apparatus, comprising:

a processor;

a reader,

wherein the reader is operable to read user data usable by the processor to identify an association between user data read by the reader and a financial account;

a cash dispenser,

wherein the cash dispenser is operable to selectively dispense cash from stored currency notes to users authorized to request financial transactions based at least in part on user data read by the reader;

a data store; and

a wireless receiver;

wherein the wireless receiver is operable during a cash loading operation involving the cash dispenser to wirelessly receive cash loading data which corresponds to an amount of cash to be loaded in the cash dispenser during the cash loading operation, from a portable device; and

wherein the processor is operable to store the cash loading data in the data store.

2. The apparatus according to claim 1 wherein the cash loading data is received from a manually transportable container configured to hold currency notes therein.

3. The apparatus according to claim 2 wherein the manually transportable container comprises a flexible cash transport bag.

4. The apparatus according to claim 1, further comprising a transmitter;

wherein the data store includes cash data, the cash data includes one of a group consisting of;

cash dispense data which corresponds to an amount of cash dispensed by the cash dispenser since a prior loading of cash into the cash dispenser, and

cash remaining data which corresponds to an amount of cash remaining in the cash dispenser since the prior loading of cash into the machine;

wherein the transmitter is operable to wirelessly transmit the cash data to the portable device.

5. The apparatus according to claim 4, wherein the cash data in the store comprises cash dispense data, and

wherein transmitter is operable to wirelessly transmit the cash dispense data.

6. The apparatus according to claim 5, wherein the cash dispense data comprises cash dispensed data for a plurality of denominations.

7. The apparatus according to claim 4, wherein the cash data in the data store comprises cash remaining data;

and

wherein the transmitter is operable to wirelessly transmit the cash remaining data.

8. The apparatus according to claim 7, wherein the cash remaining data comprises cash present for a plurality of denominations.

9. The apparatus according to claim 7, wherein the cash data in the data store further comprises an initial amount of cash in the dispenser;

and

wherein the transmitter is operable to wirelessly transmit the initial amount of cash in the dispenser.

10. The apparatus according to claim 1, wherein the cash loading data comprises data identifying machine to be loaded, number and denominations of bills, and an identification of cash handler.

11. The apparatus according to claim 1, wherein the cash loading data comprises data identifying a cash loading device and data identifying a remote computer where additional loading data is located.

12. The apparatus according to claim 1, further comprising a transmitter;

wherein the transmitter is operable to wirelessly send balancing data to the portable device during a cash unloading transaction.

13. The apparatus according to claim 12, wherein the balancing data comprises data identifying a remote server for obtaining cash dispense data.

14. The apparatus according to claim 12, wherein the processor is operable to obtain cash dispense data from a remote server;

and

wherein the transmitter is operable to wirelessly send the cash dispense data.

15. The apparatus according to claim 1, wherein the receiver includes a radio frequency (RF) component operable to receive RF signals that include the cash loading data.

16. The apparatus according to claim 1, wherein the receiver includes a near field communication (NFC) component operable to wirelessly receive NFC signals that include the cash loading data.

17. A non-transitory, tangible computer readable medium having instructions encoded thereon for execution by a processor and when executed operable to:

obtain user data from a reader that is usable by the processor to identify an association between user data read by the reader and a financial account;

selectively dispense cash from stored currency notes associated with a cash dispenser to users authorized to request financial transactions based at least in part on the user data read by the reader;

operate a transmitter to wirelessly send balancing data to a portable device during a cash unloading transaction involving currency notes associated with the cash dispenser.

18. The computer readable medium according to claim 17, wherein the balancing data comprises data to identifying a remote server for obtaining additional balancing data.

19. The computer readable medium according to claim 17, wherein the balancing data comprises data representative of an initial balance at a predetermined time and data representative of cash dispensed since the predetermined time.

20. The computer readable medium according to claim 17, wherein the instructions are further operable to wirelessly receive from the portable device cash loading data which corresponds to an amount of cash to be loaded in the cash dispenser during the cash loading operation;

and

wherein the processor is operable to store the cash loading data in a data store.

21. The computer readable medium according to claim 17, wherein the cash loading data comprises data identifying a cash loading device and data identifying a remote computer where additional loading data is located.

22. A non-transitory, tangible computer readable medium having instructions encoded thereon for execution by a processor and when executed operable to:

during a cash loading transaction, wirelessly send data representative of cash being loaded into an automated teller machine (ATM); and

during a cash unloading transaction, wirelessly receive balancing data from the ATM;

wherein the cash loading data comprises data identifying an ATM to be loaded, number and denominations of bills, and identification of a cash handler; and

wherein the balancing data includes one of a group consisting of;

cash dispense data which corresponds to an amount of cash dispensed by the ATM since a prior loading of cash into ATM, and

cash remaining data which corresponds to an amount of cash remaining in the cash dispenser since the prior loading of cash into the machine that is being unloaded.

23. The computer readable medium according to claim 22, wherein the balancing data comprises data identifying a remote server for obtaining cash dispense data.