Abstract: An automated banking machine is operable to cause financial transfers responsive to data read from data bearing records. The machine includes a card reader that can read from cards, user data that corresponds to financial accounts. The machine can operate responsive to the read card data to carry out transactions that transfer and/or allocate funds between accounts. The machine can provide a transaction receipt. The machine includes a cash dispenser to dispense cash to machine users. Value of dispensed cash can be assessed to an account which corresponds to read card data. The machine also includes a check acceptor device that can receive checks from users. The machine can image a received check and then read check data from the check image. An account determined from read card data can be credited the amount of the check.

Abstract: A banking system is controlled responsive to data read from data bearing records. The banking system includes an automated banking machine. The machine is operable to carry out a financial transaction for a person responsive to a determination that the person is an authorized user of the machine based on correspondence between identifying data read by a reader of the machine and data store information. The machine includes a check acceptor that is operative to receive checks from authorized machine users. The check acceptor is operable to continuously move a received check along its transport path while simultaneously rotationally orienting the check into alignment with the transport path. A check determined not to have at least one property of an acceptable check is returned to the machine user. Acceptable checks are processed and stored in the machine.

Abstract: In an example embodiment, a routing computer is operable to communicate with an automated banking machine and with a plurality of remote financial transaction authorization systems. The routing computer is operable to receive data representative of a requested transaction associated with a financial account associated with a user operating the automated banking machine. The routing computer is operable to determine for the plurality of remote financial transaction authorization system a transaction processing fee for the requested transaction. The routing computer is operable to select a selected one of the plurality of remote financial transaction authorization systems for the transaction, wherein the selected one of the plurality of remote financial transaction systems is selected based on having the lowest transaction processing fee for the requested transaction.

Abstract: An automated banking machine operates to cause financial transfers responsive at least in part to data read from data bearing records. The automated banking machine includes a card reader that is operative to read card data corresponding to financial accounts from user cards. The card data is linked in at least one data store to data indicating that the card data corresponds to a financial account that is authorized to be used to conduct at least one transaction through use of the automated banking machine. The automated banking machine may be used to carry out financial transfers involving financial accounts by users who are determined to be authorized users of such accounts.

Abstract: In an example embodiment, a document holding cassettes that can be used in an automated banking machine that includes circuitry that is wirelessly powered through inductive coupling. The cassette can wirelessly communicate with the automated banking machine through induction.

Abstract: In an example embodiment, there is disclosed herein a picker that is operable to separate an individual sheet from a stack of sheets. The picker has a first rotatable picker member that includes a first high friction peripheral arcuate segment, where the first picker member is rotatable about an axis, a second rotatable member that includes a second high friction peripheral arcuate segment, wherein the second picker member is rotatable about the axis, and a drive in operative connection with the first and second rotatable picker members. The stack includes a bounding sheet having a sheet face bounding a side of the stack. The first and second arcuate segments are operable to concurrently engage the sheet face. The first and second picker members are operable to be separately rotationally movable about the axis responsive to operation of the drive.

Abstract: A banking system is controlled responsive to data read from data bearing records. The banking system includes an automated banking machine. The machine is operable to carry out a financial transaction for a person responsive to a determination that the person is an authorized user of the machine based on correspondence between identifying data read by a reader of the machine and data store information. The machine includes a check acceptor that is operative to receive checks from authorized machine users. The check acceptor is operable to continuously move a received check along its transport path while simultaneously rotationally orienting the check into alignment with the transport path. A check determined not to have at least one property of an acceptable check is returned to the machine user. Acceptable checks are processed and stored in the machine.

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.

Abstract: A banking system operates responsive to data read from data bearing records. The system includes an automated banking machine comprising a card reader. The card reader includes a movable read head that can read card data along a magnetic stripe of a card that was inserted long-edge first. The card reader includes a card entry gate. The gate is opened for a card that is determined to be properly oriented for data reading. The card reader can encrypt card data, including account data. The card data is usable by the machine to authorize a user to carry out a financial transfer involving the account.

Abstract: An automated banking machine is operable to cause financial transfers responsive to data read from data bearing records, such as user cards. The machine includes a reader device operative to read data usable to identify a financial account authorized for use in conducting a transaction through the machine. An authorized machine user can use the machine to perform financial transactions, including dispensing cash and making deposits. The machine can receive a deposit in the form of a stack of sheets that includes both currency notes and checks. The machine includes a check/cash discriminator module that includes a magnetic read head, an imager, sensors, and at least one validation device. The module can determine whether the type of sheet removed from a received stack corresponds to a currency note or to a financial check. The module can then analyze the sheet for validity according to its determined sheet type.

Abstract: A deposit management system is operable responsive to data included on data bearing records. The system is associated with a plurality of financial funds depositories. Each depository can accept deposit items, such as deposit bags. Each depository includes a bar code reader that can read data from a bar code label that is located on a deposit bag. The system allows merchants to preregister a deposit before performing the deposit. A preregistered deposit is linked with a deposit identifier in a data store. The deposit identifier can be represented in a bar code. If the system determines that a bar code reader of a respective depository read a deposit identifier which corresponds in the data store to a preregistered deposit, then the respective depository is operated to automatically unlock its deposit entry door. The system also allows merchants to review their deposit history.

Abstract: A banking system operates to cause financial transfers responsive to card data read from data bearing records by a card reader. The system includes at least one automated banking machine comprising a cash dispenser. The system is operative during a cash dispense transaction request to receive through an automated banking machine, machine user input of data corresponding to a mobile phone number. The system is operative to generate a security code for the requested cash dispense transaction. The system uses the phone number to send the generated security code to the mobile phone. The cash dispense transaction is allowed to proceed only if the system receives machine user input of the sent security code.

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.

Abstract: An automated banking machine is operative to cause financial transfers responsive to data read from data bearing records, such as user cards. The machine includes a reader device operative to read data usable to identify a financial account authorized for use in conducting a transaction through the machine. An authorized machine user is able to use the machine to perform transactions, including financial transfers, cash dispensing, and other actions associated with financial accounts. The machine includes a safe having two sections separated by a shared wall structure. A cash handling arrangement is operative to transport cash between the two sections through a slot in the wall structure.

Abstract: A banking system is controlled responsive to data read from data bearing records. The banking system includes an automated banking machine. The machine is operable to carry out a financial transaction for a person responsive to a determination that the person is an authorized user of the machine based on correspondence between identifying data read by a reader of the machine and data store information. The machine includes a check acceptor that is operative to receive checks from authorized machine users. The check acceptor is operable to continuously move a received check along its transport path while simultaneously rotationally orienting the check into alignment with the transport path. A check determined not to have at least one property of an acceptable check is returned to the machine user. Acceptable checks are processed and stored in the machine.

Abstract: A banking system operates responsive to data read from data bearing records. The system includes an automated banking machine comprising a card reader. The card reader includes a movable read head that can read card data along a magnetic stripe of a card that was inserted long-edge first. The card reader includes a card entry gate. The gate is opened for a card that is determined to be properly oriented for data reading. The card reader can encrypt card data, including account data. The card data is usable by the machine to authorize a user to carry out a financial transfer involving the account.

Abstract: A banking system operates responsive to data read from data bearing records. The system includes an automated banking machine comprising a card reader. The card reader includes a movable read head that can read card data along a magnetic stripe of a card that was inserted long-edge first. The card reader includes a card entry gate. The gate is opened for a card that is determined to be properly oriented for data reading. The card reader can encrypt card data, including account data. The machine also includes a PIN keypad. The card reader can send encrypted card data to the keypad. The keypad can decipher the encrypted card data. The keypad can encrypt both deciphered card data and a received user PIN. The card data and the PIN are usable by the machine to authorize a user to carry out a financial transfer involving the account.

Abstract: A banking system includes a teller station and customer stations located in a bank. The teller station can communicate with each customer station. At least one customer station includes a self-service cash-dispensing automated banking machine which can carry out a financial transaction for an authorized machine user responsive to user data read from a data bearing record. The user data comprises card data and/or biometric data which correspond to a financial account. The banking system causes funds to be transferred between accounts involved in the transaction. The system allows a bank teller at the teller station to assist a bank customer at a customer station. Information can be communicated between the teller and the customer through touch input to a teller touch screen and a customer touch screen.

Abstract: An automated banking machine allows an authorized user to carry out transactions such as withdrawing cash, making a deposit, cashing a check, and transferring funds between accounts. The machine provides a transaction selection screen through a touch screen display. The transaction selection screen includes a plurality of visually different icons. Each icon represents a different transaction that is available to the current machine user. The user can select a particular transaction by dragging its representative icon with a contacting finger. Upon selection of the particular transaction, a display screen unique to that particular transaction is then provided through the touch screen display.

Abstract: An automated banking machine includes a card reader operative to read data from user cards. Read card data enables an authorized machine user to select between receiving currency bills that include a programmable tracking device or currency bills that do not include a programmable tracking device. The automated banking machine can dispense the form of currency bills that corresponds to the user's selection. Prior to dispensing a currency bill that has a programmable tracking device, the automated banking machine stores information related to the read card data in the currency bill.