Abstract: A method of performing a fund transfer at an ATM includes receiving an active authentication transaction key at an ATM from a mobile financial transaction instrument via a wireless communication protocol, generating a PIN at the ATM, and storing the PIN in a machine readable storage medium. An authorization request message is transmitted to a financial institution identified by the active authentication transaction key. The authorization request message includes the PIN and at least a portion of the active authentication transaction key. The PIN is received from a user of the mobile financial transaction instrument, and the funds are dispensed in response to receiving the PIN.

Abstract: Systems and methods for ATM fraud detection are presented. ATM fraud detection may be provided in the context of including a currency sensor in the ATM to count currency notes. ATM fraud detection may be obtained by using a currency sensor, such as a scanner, to image and count any currency notes that remain after being dispensed to a user, and determining if the count is correct for the currency notes dispensed. A count discrepancy resulting from removal of some but not all dispensed currency notes would indicate attempted theft or fraud.

Abstract: An ATM system includes a back-end server, an ATM central processing unit (ATM CPU) that receives information relating to the ATM system and a mobile computer. The mobile computer provides a CPU (MC CPU) and a keypad. The mobile computer may also provide a touch screen configured to display an initial ATM display. The ATM system also includes an interface system for interfacing between the ATM CPU and MC CPU. The back-end server formats and transmits to the ATM an API call. The API call requests a location of the user, ATM device information, and identification information of the user. The mobile computer is configured to respond to the API call by providing the location, the ATM device information, and the identification information of the user to the back-end server.

Abstract: Pre-staged deposit details for a deposit are received from a deposit interface and the details are linked to a code associated with a deposit bag. The code is subsequently scanned at a terminal, the pre-staged details are obtained based on the code, a lock box of the terminal is unlocked for the bag to be dropped into the lock box, a deposit transaction is processed based on the pre-staged details, and the box is locked. A real-time notification is provided within a staff interface that identifies the terminal and the transaction. The code is scanned when that bag is removed from the lock box and the pre-staged details are populated within the staff interface. Staff details are recorded for the transaction during a verification procedure. The staff details are posted to a financial institution backend system and any discrepancies between the pre-staged details and the staff deposit details are noted.

Abstract: Various embodiments of the present disclosure generally relate to transacting in advance. More specifically, various embodiments relate to detecting a mobile computing device of a user within a proximity of a banking location; receiving, via the mobile application, an indication of a type of transaction to be conducted; and directing, via the mobile application, the user to an area of the banking location based on the type of transaction to complete the transaction.

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 deposit management system is operable responsive to data read from data bearing records. The system is associated with financial funds depositories. Each depository can accept 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 depository read a bar code having a deposit identifier that corresponds in the data store to a preregistered deposit, then that depository is operated to automatically unlock its deposit entry door to permit the deposit. The system also allows merchants to review their deposit history.

Abstract: An apparatus including an automated banking machine is operative to cause financial transfers responsive at least in part to data read from data bearing records. The machine includes a card reader that is operative to read card data usable to identify at least one of a user of the machine and a financial account. A computer associated with the machine is operative to cause card data to be read through operation of the card reader, and to cause a determination to be made that read card data corresponds to a financial account authorized to conduct a transaction through the machine. The computer is operative responsive at least in part to the determination to cause the financial account to be at least one of assessed and credited with a value associated with a financial transaction. Transaction function devices of the machine are supported through slides that can be configured in different ways to facilitate mounting of devices within the machine.

Abstract: The bezel assembly for data reception, for use with a bill validator in a financial transactional device, includes a bezel housing and a data reception assembly. The bezel housing includes a customer-facing front portion and a back plate connectable to the bill validator that is mounted within the transactional device cabinet. The front portion includes an insertion/dispensing slot for receiving currency and a projecting hollow tongue forward of the casing. The forward-extending hollow tongue accommodates at least a portion of the data reception assembly. The bezel assembly can include a wireless communication function that is communicably connectable with a mobile device via a wireless communication method, a manual entry function, a biometric reader, one or more cameras for scanning and decrypting 2D barcodes and the like, thus enhancing the overall functionality of the financial transactional device.

Abstract: A self-service terminal includes a safety box, a main control module, an operating module, and a shielding member. The main control module includes a casing and a mounting frame mounted in the casing. The mounting frame is attached on the safety box. The casing includes a pair of side panels and a top panel connecting between the pair of side panels. The pair of side panels and the top panel is detachably attached to the mounting frame. The operating module is attached to a front side of the main control module. The shielding member is attached to the safety box and encloses the operating module.

Abstract: Systems and methods for authenticating a user's identity at an ATM are provided. A method for authenticating a user's identity at an Automated Teller Machine (“ATM”) includes using a first receiver to receive information from an ATM touch screen relating to a first numerical digit and a second numerical digit selected by the user. The method further includes using a second receiver to receive information from a fingerprint scanner relating to first biometric information input into the fingerprint scanner and second biometric information input into the fingerprint scanner, wherein the fingerprint scanner is removably coupled to the ATM via a USB port included in a secured portion of the ATM, the secured portion of the ATM being inaccessible to the user. The method may also include using a transmitter to transmit the information received by the first receiver and the second receiver to a remote server.

Abstract: An automated banking machine operates responsive to data read from data bearing records corresponding to authorized user or financial account data. The automated banking machine includes a card reader for reading data from user cards. The automated banking machine causes financial transfers related to financial accounts that correspond to data read from user cards. The automated banking machine also includes devices that control the supply of power to transaction function devices such as the card reader to avoid exceeding power supply capacity.

Abstract: The invention relates to a device (10, 50, 60, 200) for handling notes of value. The device (10, 50, 60, 200) comprises a radio unit (20) for sending data from the device (10, 50, 60, 200) to a service unit (22) via mobile radio (24). Further, the device (10, 50, 60, 200) has a safe (12, 202) in which at least one cash cassette (14a, 14b, 100, 204a, 204b) is accommodated. The cash cassette (14a, 14b, 100, 204a, 204b) comprises an authentication data memory (18a, 18b, 106, 208a, 208b) in which authentication data for the unambiguous authentication of the cash cassette (14a, 14b, 100, 204a, 204b) by the service unit (22) are stored. The radio unit (20) transmits the authentication data and stock data with information on the current stock of notes of value in the cash cassette (14a, 14b, 100, 204a, 204b) to the service unit (22) via mobile radio (24). A further aspect of the invention relates to a cash cassette (100, 204a, 204b) for holding notes of value.

Abstract: A method for a mobile device to conduct a transaction with an unattended point-of-transaction device is disclosed. The method comprises transmitting to the unattended point-of-transaction device, via near field communication (NFC), information indicating that the transaction is being initiated; receiving from the unattended point-of-transaction device, via NFC, credentials indicating that the unattended point-of-transaction device is authorized to engage in the transaction; and transmitting to the unattended point-of-transaction device, via NFC, secure information indicating to the unattended point-of-transaction device that the mobile communication device is authorized to conduct the transaction. The secure information may be a PIN entered into the mobile device or a data record specifying an action to be performed by the unattended point-of-transaction device.

Abstract: Automated teller machines (ATMs) and ATM components are disclosed. Methods of making and using ATMs and ATM components are also disclosed.

Abstract: A self-locking type shutter device is provided. The device is arranged in a financial self-service equipment, so as to open or close a cash depositing/withdrawing port (1) of the financial self-help service equipment. The device comprises a frame (3) integrally welded, a gate (2) and a power transmission mechanism. The gate (2) is arranged on the frame (3) by a first rotation shaft (4) and can rotate around the first rotation shaft (4). The power transmission mechanism is fixed on the frame (3), so as to provide the gate (2) with rotation power. The power transmission mechanism comprises a motor (5) and at least one unidirectional folding linkage mechanism (70). The device can be self-locked via the unidirectionally folding linkage mechanism (70).

Abstract: A self-service terminal for reading wireless tags incorporated into media items is described. The terminal comprises a media acceptor for receiving media items, such as banknotes incorporating an RFID tag, and a wireless tag reader for reading received media items incorporating wireless tags. The terminal may also include a wireless tag reader for reading wireless tags in media items that are being transported to determine if multiple superimposed media items are present. The terminal may include a wireless tag reader for reading wireless tags in media items presented as a bunch, and subsequently retracted, to determine if any of the presented media items had been removed.

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 can cause financial transfers responsive to data read from data bearing records. The machine includes a card reader that can read from user cards, card 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 users a transaction receipt. The machine includes a cash dispenser that can dispense cash to machine users. Value of dispensed cash can be assessed to an account which corresponds to the read card data. The machine also includes an accepting device that can receive currency bills and/or checks from users. An account that corresponds to the read card data can be credited for the value of received bills and/or checks.

Abstract: An automated banking machine is operative 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 from user cards corresponding to financial accounts. The automated banking machine is operative to cause a determination to be made that read card data corresponds to stored data for an account authorized to carry out transactions that transfer and/or allocate funds between accounts. The automated banking machine is further operative to provide users with a receipt for transactions conducted. The automated banking machine is operative to cause the value of cash dispensed or received to be assessed or credited to the financial accounts corresponding to card data.

Abstract: An automated banking machine is operative 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 from user cards corresponding to financial accounts. The automated banking machine is operative to cause a determination to be made that read card data corresponds to stored data for an account authorized to carry out transactions that transfer and/or allocate funds between accounts. The automated banking machine is further operative to provide users with a receipt for transactions conducted. The automated banking machine is operative to cause the value of cash dispensed or received to be assessed or credited to the financial accounts corresponding to card data.

Abstract: A Self-Service Terminal (SST) and a method of selectively dispensing or depositing items of media are disclosed. The SST includes a fascia panel comprising a panel portion having a circular arc-shaped cross-section and at least one panel aperture. The SST also includes at least one media transfer device comprising an outer body portion having a circular arc-shaped cross-section, proximate to and spaced apart from the panel portion, and at least one body aperture. The body portion is rotatable with respect to the curved panel portion to selectively reveal the body aperture through the panel aperture.

Abstract: An automated banking machine operates responsive to data read from data bearing records corresponding to authorized user or financial account data. The automated banking machine includes a card reader for reading data from user cards. The automated banking machine causes financial transfers related to financial accounts that correspond to data read from user cards. The automated banking machine also includes devices that control the supply of power to transaction function devices such as the card reader to avoid exceeding power supply capacity.

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 automatic banking machine operates responsive to data read from data bearing records corresponding to authorized user or financial account data. The machine includes a card reader for reading data from user cards. The automated banking machine causes financial transfers related to financial accounts that correspond to data read from user cards. The automated banking machine also includes devices that control the supply of power to included devices to avoid exceeding power supply capacity.

Abstract: An automated banking machine operates to cause financial transfers responsive to data read from data bearing records. The automated banking machine includes a card reader operative to read card data from user cards corresponding to financial accounts. The automated banking machine also includes a display and a printer to produce records of financial transactions carried out with the machine. The card reader is operative to read and return card information read from the user card responsive. The automated banking machine further includes a sheet detector that is operative to detect at least one property usable to distinguish between the presence or absence of a sheet and/or determine a property of the sheet.

Abstract: An automated banking machine operates to carry out financial transactions responsive to data bearing records including account data read from user cards. The banking machine may accept checks and dispense cash to users. The machine is operated to acquire image and magnetic data from deposited checks to determine the genuineness of checks and the authority of a user to receive cash for such checks. Cash is then dispensed to the user from the machine in exchange for the deposited checks.

Abstract: An apparatus including an automated banking machine is operative to cause financial transfers responsive at least in part to data read from data bearing records. The machine includes a card reader that is operative to read card data usable to identify at least one of a user of the machine and a financial account. A computer associated with the machine is operative to cause card data to be read through operation of the card reader, and to cause a determination to be made that read card data corresponds to a financial account authorized to conduct a transaction through the machine. The computer is operative responsive at least in part to the determination to cause the financial account to be at least one of assessed and credited with a value associated with a financial transaction.

Abstract: Systems and methods for implementing a sequence of fingerprints for biometric authentication are provided. A sequence of fingerprints is more difficult to fraudulently circumvent than a single finger or thumb print. A sequence of fingerprints takes advantage of inexpensive fingerprint scanners and easily available fingerprints. A sequence of fingerprints may be used in conjunction with additional biometric authentications and/or confidential access sequences. The sequence of fingerprints may include prints of the digits of the foot. The sequence of fingerprints for biometric authentication may be system or user defined.

Abstract: An automatic banking machine operates responsive to data read from data bearing records corresponding to authorized user or financial account data. The machine includes a card reader for reading data from user cards. The automated banking machine causes financial transfers related to financial accounts that correspond to data read from user cards. The automated banking machine also includes devices that control the supply of power to included devices to avoid exceeding power supply capacity.

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 operative to read card data from user cards corresponding to financial accounts. The automated banking machine includes a display and a printer to produce records of financial transactions carried out with the machine. The automated banking machine is also operative to receive secure communications from a host system that are operative to enable the automated banking machine to carry out banking transactions in response to an input of a personal identification number.

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 card data from user cards corresponding to financial accounts. The machine is operative responsive to read card data to carry out transactions that transfer and/or allocate funds between accounts. The machine can also provide machine users with a receipt for transactions conducted. The machine includes a cash dispenser that can dispense cash to users, and cause the value of dispensed cash to be assessed to accounts corresponding to the read card data. The machine also includes a sheet accepting device that can receive currency notes and/or checks from users. An account that corresponds to the read card data can be credited for the value of received notes and/or checks.

Abstract: An automated banking machine operates responsive to data read from data bearing records, such as user cards, to cause machine user authorization and financial transfers. Account data read from a user card is associated in a data store with instructions for displaying a customer interface uniquely associated with the particular bank where the user holds the account. The customer interface includes user-selectable financial transaction options. The arrangement enables the customer interface of the user's home bank, with which the user is familiar, to also be automatically displayed when the user operates automated banking machines of other banks.

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 operative to read card data from user cards corresponding to financial accounts. The automated banking machine includes a display and a printer to produce records of financial transactions carried out with the machine. The automated banking machine is also operative to receive secure communications from a host system that are operative to enable the automated banking machine to carry out banking transactions in response to an input of a personal information number.

Abstract: Check processing involves scanning a back of a check having no authorization data printed thereon and also scanning a front of the check having preprinted magnetic ink characters, electronically generating authorization data indicating that the check is valid based on a response from an external analysis source, generating an electronic merged image by electronically combining back image data captured during the scanning of the back of the check with generated authorization data, and storing the electronic merged image with the front image data captured during the scanning of the front of the check. Moreover, these operations may be performed in a single pass of the check in one direction through a transportation path of a check processing apparatus. No printing of any data is required. The check processing can be embodied in a method, apparatus, or instructions embodied on a machine-readable medium.

Abstract: A device for monitoring a space by changing a sequence of a serial interconnection of closing contacts, in particular of cover switches in a security housing, having a series circuit variation apparatus, a security cover, at least two closing contacts, and a protective circuit, wherein said at least two closing contacts each have an open, electrically nonconductive state and a closed, electrically conductive state, wherein said security cover is set up to put each of said at least two closing contacts in a closed, electrically conductive state, wherein said protective circuit is set up to detect an opening of at least one of said at least two closing contacts, wherein said series circuit variation apparatus serially interconnects said at least two closing contacts, wherein the sequence of the serial interconnection of said at least two closing contacts can be changed by said series circuit variation apparatus.

Abstract: A financial self-help service device for preventing plugging by foreign objects and damage by mucilage glue is provided. It has a panel, and a cash inlet-outlet (1) is set on the panel. The financial self-help service device further includes a gate (2) for opening or closing the cash inlet-outlet (1). POM (polyoxymethylene) plastic convex points (9) are provided at the edge of the gate (2) matched with the cash inlet-outlet (1), so as to form a flow guide gap between the gate (2) and the panel when the gate (2) closes the cash inlet-outlet (I).

Abstract: An automatic banking machine operates responsive to data bearing records. The machine includes a card reader for reading user cards, and at least one of a note acceptor and a cash dispenser. The automated banking machine carries out financial transfers related to user accounts based on information read from cards. The automated banking machine provides a printed receipt for transactions conducted. The machine carries out transactions when operatively connected to a source of power and a transaction network. The machine also carries out functions to control the power status of devices in the machine.

Abstract: An automated banking machine operates to cause financial transfers responsive to data bearing records. The automated banking machine includes a card reader that is operative to read data from user cards corresponding to a financial account. The automated banking machine further includes a sheet accepting device that is operative to receive at least one of notes and checks. A note acceptor includes at least one validator that includes at least one ultrasonic detector. The at least one validator is operative to identify suspect counterfeit notes produced by assembling pieces of genuine notes by identifying seams or other fastening features in the notes where such pieces are joined. The note validator may further include image sensors and/or radiation transmission sensors which are further usable to identify the presence of seams or other fastening features that can distinguish valid and suspect counterfeit notes.

Abstract: Systems and method for performing secure electronic payment transactions to allow merchants to perform payment processing such that the merchant payment system is not required to store data specific to a particular payment device.

Abstract: An automated banking machine operates responsive to data read from data bearing records, such as user cards, to cause machine user authorization and financial transfers. Account data read from a user card is associated in a data store with instructions for displaying a customer interface uniquely associated with the particular bank where the user holds the account. The customer interface includes user-selectable financial transaction options. The arrangement enables the customer interface of the user's home bank, with which the user is familiar, to also be automatically displayed when the user operates automated banking machines of other banks.

Abstract: An automated banking machine operative to cause financial transfers responsive to data read from data bearing records. The automated banking machine includes a card reader that is operative to read card data from user cards corresponding to financial accounts. The automated banking machine is operative responsive to the card data to carry out transactions that transfer and/or allocate funds between accounts. The automated banking machine is further operative to provide users with a receipt for transactions conducted. The automated banking machine includes a cash dispenser operative to dispense cash to machine users and to cause the value of cash to be assessed to financial accounts corresponding to card data. The automated banking machine is further operative to receive currency bills or other sheets from a user and to process and store such sheets through operation of a currency accepting device. The account corresponding to card data may be credited for the value of bills or other sheets received.

Abstract: Methods and devices provide security to prevent transaction activity until an audit is complete. A cash handling device such as, for example, a cash recycler may include a processor for executing computer-executable instructions, memory that stores the computer-executable instructions, and an input means for receiving user input. The computer executable instructions may cause the apparatus to: allow a first input to the input means in order to indicate that an audit is to be performed, prevent any further transactions on the cash handling until the audit is complete, allow a second input to the input means in order to indicate that the audit is complete, and allow any further transactions to proceed after the audit is complete.

Abstract: An automated banking machine operative to cause financial transfers responsive to data read from data bearing records. The automated banking machine includes a card reader that is operative to read card data from user cards corresponding to financial accounts. The automated banking machine is operative responsive to the card data to carry out transactions that transfer and/or allocate funds between accounts. The automated banking machine is further operative to provide users with a receipt for transactions conducted. The automated banking machine includes a cash dispenser operative to dispense cash to machine users and to cause the value of cash to be assessed to financial accounts corresponding to card data. The automated banking machine is further operative to receive currency bills or other sheets from a user and to process and store such sheets through operation of a currency accepting device. The account corresponding to card data may be credited for the value of bills or other sheets received.

Abstract: A system and method of check cashing at an ATM are provided. In some examples, the system and method may include receiving a check at an ATM that does not include denominations of bills and/or coins to cash the check. The amount of the check may be rounded up to an amount for which appropriate denominations are available and the difference between the amount of the check and the rounded up amount may be charged to an account of a user, such as checking account, savings account, credit card, and the like.

Abstract: An automated banking machine operates responsive to data read from data bearing records to cause financial transfers. The machine includes a card reader that operates to read card data from user cards. The card data corresponds to financial accounts. The automated banking machine includes a cash dispenser and the machine carries out transaction functions for consumers including dispensing cash responsive to. The amount of cash dispensed is verified through communication with a security manager.

Abstract: A self-service terminal comprising a plurality of devices is described. The devices comprise: a racking handle for moving that device from an operational position to a maintenance position; a primary visual identifier (such as a bright color) associated with the racking handle, where the primary visual identifier is common for all of the racking handles and is not used for any part of the device except a racking handle; and a secondary visual identifier associated with any other parts of the device that may be safely touched, where the secondary visual identifier is visually distinct (for example, by using a different color) from the primary visual identifier.

Abstract: An automated banking machine operates to carry out financial transactions for authorized machine users responsive to user data read from data bearing records. The machine includes an input devices including a card reader which operates to read card data that is usable to identify a user or a user account. The machine also includes a cash dispenser that is selectively operative to dispense currency notes to authorized machine users. A computer causes financial accounts read by the card reader to be assessed a value for cash dispensed. The computer causes operation of the cash dispenser in response to receiving cash dispense instructions. The computer includes software that prevents cash dispenser operation in response to cash dispense instructions being received in communications from at least one remote address.

Abstract: An automated banking machine operates responsive to data read from data bearing records, such as user cards, to cause machine user authorization and financial transfers. Account data read from a user card is associated in a data store with instructions for displaying a customer interface uniquely associated with the particular bank where the user holds the account. The customer interface includes user-selectable financial transaction options. The arrangement enables the customer interface of the user's home bank, with which the user is familiar, to also be automatically displayed when the user operates automated banking machines of other banks.

Abstract: An automated banking machine operates responsive to data read from data bearing records, such as user cards, to cause machine user authorization and financial transfers. Account data read from a user card is associated in a data store with instructions for displaying a customer interface uniquely associated with the particular bank where the user holds the account. The customer interface includes user-selectable financial transaction options. The arrangement enables the customer interface of the user's home bank, with which the user is familiar, to also be automatically displayed when the user operates automated banking machines of other banks.