Banking system controlled responsive to data bearing records

• US 9,177,449 B1
• Filed: 03/15/2012
• Issued: 11/03/2015
• Est. Priority Date: 12/20/2005
• Status: Active Grant

• Current Assignee: Diebold Nixdorf, Incorporated
• Original Assignee: Diebold Self-Service Systems (Diebold Nixdorf, Incorporated)
• Inventors: Kolinski-Schultz, David E., Block, James, Jenkins, Randall W., Crews, Tim, Harty, Michael J., Magee, Paul D., Lute, Richard C., Steinbach, Klaus, Ramachandran, Natarajan
• Primary Examiner(s): Lee, Michael G
• Assistant Examiner(s): CHEDEKEL, TABITHA F
• Application Number:
  US13/421,107
• Time in Patent Office: 1,328 Days
• Field of Search: 902/2, 902/4, 902/5, 902/9, 902/13, 902/14, 902/20, 705/43, 705/73, 235/375, 235/379, 235/380
• US Class Current: 1/1
• CPC Class Codes: G06Q 20/1085 involving automatic teller machines [ATMs]
• CPC Class Codes: G07F 19/20 Automatic teller machines [ATMs]
• CPC Class Codes: G07F 19/201 Accessories of ATMs
• CPC Class Codes: G07F 19/2055 Anti-skimming aspects at ATMs

Abstract

An apparatus that operates to cause financial transfers responsive to data read from data bearing records, includes at least one processor that is in operative connection with a card reader, a check acceptor, a cash dispenser and a display. The at least one processor causes the machine to operate to read card data from a user card, and to cause a determination to be made that the read card data corresponds to an authorized financial account. The at least one processor is operative to cause data to be read from a check and/or cash to be dispensed, and a financial transfer to or from the account corresponding to the value thereof. A secure chest portion of the machine is accessible responsive to servicer input through an input device of the machine.

Claims

1. Apparatus comprising:

an automated banking machine that is operative to cause financial transfers responsive at least in part to data read from data bearing records, wherein the automated banking machine includes;

a fascia accessible to users;

a card reader, wherein the card reader is operative to read card data usable to identify at least one financial account,

an input device mounted on the fascia, wherein the input device is operative to receive user inputs associated with financial transfers, wherein the input device associated with at least one input device processor,

a chest, wherein the chest bounds an interior area, and includes an opening to the interior area,

a door movably mounted in operative supported connection with the chest, wherein the door is movable between a closed position in which the door at least partially covers an opening to an interior area of the chest, and an open position,

a lock in operative connection with the door, wherein the lock is changeable between locked and unlocked conditions, wherein in the locked condition the lock is operative to cause the door to be held in the closed position, and wherein the lock is in operative connection with the at least one input device processor,

at least one computer associated with the machine, wherein the at least one computer is in operative connection with the card reader,

wherein the at least one computer is operative to cause user card data to be read through operation of the card reader,

a determination to be made that the user card data corresponds to a user financial account authorized to conduct a transaction with the machine, and

responsive at least in part to the determination of at least one user input through the input device, the user financial account to be assessed a value with a financial transaction,

wherein responsive at least in part to at least one servicer input through the input device, the at least one input device processor is operative to communicate with the lock, wherein the lock is operative to change from the locked condition to the unlocked condition responsive at least in part to the communication

wherein the at least one servicer input includes at least part of a lock combination, the input of which causes the change in condition of the lock;

wherein the at least one input device processor is programmed to calculate at least a portion of the combination; and

wherein the combination is based at least in part on at least one of a number of financial transfers carried out through operation of the machine, an amount of cash dispensed through operation of the machine, and a number of times at least one user input has been input to the machine.

2. The apparatus according to claim 1 wherein the input device includes a touch screen.

3. The apparatus according to claim 1 wherein the input device includes an encrypting PIN pad (EPP).

4. The apparatus according to claim 1 wherein the input device includes a wireless port, wherein the wireless port is operative to communicate with portable wireless devices.

5. The apparatus according to claim 1 wherein the input device includes a bar code reader.

6. The apparatus according to claim 1 wherein the input device includes a display and at least one camera wherein the input is determined based on location on the display where a user is looking.

7. The apparatus according to claim 6 wherein the combination is based at least in part on at least one of a current time, at least a portion of a combination previously used to unlock the lock, and a serial number associated with a component of the automated banking machine.

8. The apparatus according to claim 1 wherein the input device includes at least one internal data store, wherein data is automatically erasable from the at least one internal data store responsive to attempted access to the at least one internal data store.

9. The apparatus according to claim 8 wherein the at least one internal data store includes at least one PIN encryption key.

10. The apparatus according to claim 9 wherein the input device includes a touch screen display module.

11. The apparatus according to claim 9 wherein the input device includes an encrypting PIN pad.

12. The apparatus according to claim 8 wherein the at least one internal data store is operative to store data related to servicer inputs that cause the lock to change from the locked condition to the unlocked condition.

13. The apparatus according to claim 12 wherein the at least one internal data store is operative to store data related to inputs to the input device that were ineffective to cause the lock to change from the locked condition to the unlocked condition.

14. The apparatus according to claim 12 wherein the at least one internal data store is operative to store data related to at least one service activity performed with the automated banking machine.

15. The apparatus according to claim 12 wherein at least one of the at least one computer and the input device processor is operative to cause data indicative that the lock is changed from a locked condition to an unlocked condition, to be sent to a server remote from the automated banking machine.

16. The apparatus according to claim 15 wherein the data sent to the remote server is indicative that the door is in the open position.

17. The apparatus according to claim 12 wherein the lock includes a lock processor, wherein the lock processor is in operative connection with the at least one input device processor, wherein the at least one of the lock processor and the at least one input device processor are operative to authenticate the other of the at least one input device processor and the lock processor.

18. The apparatus according to claim 17 wherein the automated banking machine includes a cash dispenser, wherein the cash dispenser is in operative connection with the at least one computer, and wherein the at least one computer is operative to cause the cash dispenser to dispense cash from the machine corresponding to the value.

19. Apparatus comprising:

an automated banking machine that operates responsive at least in part to data read from data bearing records to cause financial transfers, wherein the automated banking machine includes;

a card reader, operative to read card data from user cards, wherein the card data corresponds to a financial accounts,

a cash dispenser,

a fascia accessible to users,

an input device mounted on the fascia including at least one of a group consisting of;

an encryption PIN pad (EPP),

an encrypting touch screen display module,

a wireless communication port operative to communicate with portable wireless devices,

a bar code reader, and

a display and at least one associated camera operative to determine whereon the display a user is currently looking,

at least one computer processor in operative communication with the card reader, the cash dispenser and the input device, wherein the at least one computer processor is operative to cause;

a computer determination to be made that card data read from a user card corresponds to a financial account concerning which financial transfers are authorized to be conducted through machine operation, and

a financial transfer at least one of to and from the financial account responsive to least in part to the determination and at least one financial transaction input received through the input device,

wherein the automated banking machine includes

a chest portion, wherein the chest portion has an interior area and an opening,

a door, wherein the door is movably mounted in operatively supported connection with the chest portion, wherein the door is movable between a closed position, wherein the door substantially closes the opening and in an open position wherein the door is disposed from the opening,

a lock, wherein the lock is in operative connection with the door, wherein the lock is changeable between a locked condition and an unlocked condition, wherein in the locked condition the lock is operative to cause the door to be maintained in the closed position,

wherein the lock is in operative connection with the input device, wherein at least one servicer input through the input device is operative to cause the lock to change from the locked condition to the unlocked condition;

wherein the at least one servicer input includes at least part of a lock combination, the input of which causes the change in condition of the lock;

wherein the at least one input device processor is programmed to calculate at least a portion of the combination; and

wherein the combination is based at least in part on at least one of a number of financial transfers carried out through operation of the machine, an amount of cash dispensed through operation of the machine, and a number of times at least one user input has been input to the machine.

20. The apparatus according to claim 19 wherein the at least one computer processor is operative to determine whether the at least one servicer input will cause the lock to be changed from the locked condition to the unlocked condition.