US 8,800,864 B2Granted

Banking system controlled responsive to data read from data bearing records

AssigneeDiebold, Incorporated

InventorsH. Thomas Graef, Robert V. Artino, Rodney J. Reese, Michael A. Meffie, J. Richard Hanna, Randall W. Jenkins, Mark A. DePietro, Steven R. Davis

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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.

Claims22

Dependent claims

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.

20 more elements

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.

14 more elements

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.

10 more elements

Dependencies are inferred from the claim text.

Facts

Application: 13/487,497Filed 4 Jun 2012 · continuation in part
Priority: 25 Nov 1998
Published: US 2013/0146657 A113 Jun 2013
Granted: 12 Aug 2014
Term ends: Not estimatedThe source records don’t support an estimate.

Classification19 codes

G07F 19/203
Automatic teller machines [ATMs]: dispensing operations within 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
Application09/408,858Parent of this continuation-in-part · filed 30 Sep 1999
Application10/621,433Parent of this division · filed 16 Jul 2003
US 6,761,308 B1Parent of this continuation-in-part · filed 13 Jul 2004
Application11/789,657Parent of this continuation-in-part · filed 25 Apr 2007
Application60/928,486Us provisional application · filed 9 May 2007
Application12/151,731Parent of this continuation · filed 8 May 2008
Application12/928,711Parent of this continuation · filed 17 Dec 2010
US 7,883,005 B2Parent of this continuation · filed 8 Feb 2011
Application13/135,614Parent of this continuation-in-part · filed 11 Jul 2011
US 7,975,911 B2Parent of this continuation · filed 12 Jul 2011
US 8,191,771 B2Parent of this continuation-in-part · filed 5 Jun 2012
US 2013/0146657 A1Pre-grant publication · published 13 Jun 2013
Application13/135,614Parent of this continuation
Application12/151,731Parent of this continuation-in-part
Application11/789,657Parent of this division
Application10/621,433Parent of this continuation-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
US 8,800,864 B2This patent

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