US 2013/0140358 A1 · BANKING SYSTEM CONTROLLED RESPONSIVE TO DATA READ FROM DATA BEARING RECORDS

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.

A method carried out at least in part through use an automated banking machine operable to cause financial transfers responsive at least in part to data read from data bearing records, 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,
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,
at least one data store,
wherein the at least one data store includes accessible 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,
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 operable to communicate with the machine, wherein the at least one portable device 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,
at least one data receiver,
wherein the at least one data receiver is operable during a cash loading operation while the at least one portable device is located on site of the machine adjacently outside of the machine,
to wirelessly receive cash loading data transmitted by the at least one device data transmitter, and
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,
wherein the method comprises:
(a) operating the machine to access the cash data in the at least one data store;
(b) operating the machine during a cash handling operation to wirelessly transmit the cash data accessed in (a) to the at least one portable device;
(c) operating the machine during a cash loading operation to wirelessly receive cash loading data transmitted by the at least one portable device;
and
(d) operating the machine to store the cash loading data received in (c) in the at least one data store.

25 more elements

Facts

Application

13/487,501Filed 4 Jun 2012

Priority

25 Nov 1998

Published

6 Jun 2013

Term ends

Not estimatedThe source records don’t support an estimate.

Classification23 codes

G07F 19/201
Automatic teller machines [ATMs]: accessories of ATMs
G06Q 20/1085
Remote banking, e.g. home banking: involving automatic teller machines [ATMs]
G06Q 20/308
Characterised by the use of specific devices or networks: using the Internet of Things
G06Q 20/327
Using wireless devices: short range or proximity payments by means of M-devices

Family

Application60/109,941Us provisional application · filed 25 Nov 1998

Application60/135,720Us provisional application · filed 25 May 1999

Application09/408,858Continuation in part · filed 30 Sep 1999

Application10/621,433Division · filed 16 Jul 2003

Application11/789,657Continuation in part · filed 25 Apr 2007

Application60/928,486Us provisional application · filed 9 May 2007

Application12/151,731Continuation · filed 8 May 2008

Application12/928,711Continuation · filed 17 Dec 2010

Application13/135,614Continuation in part · filed 11 Jul 2011

Application13/487,501Continuation in part

Application13/135,614Continuation

Application12/151,731Continuation in part

Application11/789,657Division

Application10/621,433Continuation in part

US 2004/0016796 A1Published application

US 2007/0226142 A1Published application

US 2008/0265019 A1Published application

US 2011/0089231 A1Published application

US 2011/0266341 A1Published application

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US 2013/0140358 A1This patent

From the US filing history. Foreign family members aren’t listed.

Banking system controlled responsive to data read from data bearing records

Life of this patent

Banking system controlled responsive to data read from data bearing records

Life of this patent

Abstract

Claims22