Abstract: In an example embodiment, a financial institution calendaring solution that allows a consumer to schedule an appointment for a resource (for example a person who can assist with a particular type of transaction such as a mortgage loan, car load, investment advice, etc.) at a particular location. The consumer is provided with a list of available times for the resource at the location. The consumer selects a time and an appointment is scheduled. Some embodiments are directed to an application for a consumer device and other embodiments are directed to financial institution calendaring logic that communicates with the consumer device.

Abstract: In an example embodiment, there is described herein an apparatus comprising a cassette operable to store documents, the cassette having an external surface, an electrophoretic display coupled with the external surface, and a wireless interface coupled with the cassette and operably coupled with the electrophoretic display. In particular embodiments, the electrophoretic display is operable to receive data representative of configuration from a wireless device in data communication with the wireless interface.

Abstract: In an example embodiment, an 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 facilitate the completing a transaction when a decline or loss of power is encountered.

Abstract: In accordance with an example embodiment, there is disclosed herein, an apparatus, comprising a bezel, a cover, and a thermally conductive, electrically isolating material. The cover comprises top and side surfaces, a cavity for receiving an optical device, a first opening for the optical device to obtain an image, and a second opening for allowing an electrical conductor to be coupled with the optical device. The thermally conductive, electrically isolating, material, is shaped in accordance with the shape of the optical device. The bezel and the cover protect the optical device from discharge currents. The thermally conductive, electrically isolating, material provides electrical isolation of the optical device from the cover and conducts heat from the optical device to the top and side surfaces of the cover.

Abstract: In an example embodiment, there is disclosed herein an automated banking machine that includes an instrument acceptor operable to receive financial instruments. The machine is operable to cause user data obtained from a user during a user session with the machine to be sent to a transaction authorizing host computer. The machine is operable to generate an electronic deposit slip that includes a data representative of a financial account associated with the user data, and a value of value of a financial instrument received by the instrument acceptor during the user session. The electronic deposit slip to be sent to a server that is remotely located from the automated banking machine and data representative of the value of the financial instrument is sent to the authorizing host terminal to cause the financial account to be credited an amount corresponding to the value of the financial instrument.

Abstract: Described herein are automated banking machine cassette modules and cassettes. The cassette module may include but is not limited to a divert cassette positioned for easy access and a light pipe system for detecting when sheets are entering or leaving a cassette. The cassette may include but Is not limited to a cassette with an ink staining that does not reduce the capacity of the cassette, a torsion spring assembly coupled with a push plate in a cassette, a thumper and feed wheel assembly, and a method of assembling a thumper and feed wheel assembly that provides for proper timing of the feed wheels with the thumper wheels.

Abstract: A document delivery system within an automated transaction machine includes a shuttle for receiving a stack of documents. The shuttle is moveable from a dock location to a user interface location along a track system The shuttle may be utilized with a rear-load configuration or a front-load configuration in which the track system has a travel path from the dock location to the user interface location.

Abstract: A core module for an Automated Transaction Machine (ATM) includes a housing including a plurality of cassette bays, a first document delivery system, and a second document delivery system. The first document delivery system is capable of transporting a document between the cassette and the second document delivery system via a first transport path. The second document delivery system is capable of transporting a document between the first document delivery system and an other ATM location via a second transport path.

Abstract: An exemplary system includes an automated banking machine which is operable to conduct transactions including cash dispensing for users responsive to communication with a transaction host. The machine is also operative to provide output signals which drive external displays which are separate from the machine. The machine is operable to receive visual and audio content from one or more broadcast content sources and to store the content in the machine. The content is then output through the external displays. The machine is also operative to receive and store a plurality of advertising messages. The advertising messages are output in a targeted manner to users of the machine.

Abstract: An apparatus allows entry of an individual into an area. An access structure (14) controls entry to and exit from a facility. The condition of at least one lock (26, 30, 48, 52) associated with the structure is changed responsive to correspondence of user data and stored data. An operator terminal (12) provides through a display (72), visible outputs associated with the structure. The operator terminal is usable to control functional aspects of the structure. The operator terminal is also usable to receive indications of conditions associated with components that control entry to and exit from the structure.

Abstract: In an example embodiment, a Vehicle sensor senses the arrival and departure of vehicles in a drive-through lane. In particular embodiments, the system can calculate and store time data corresponding to each vehicle. Time data can be processed to determine the duration of transaction activity in the drive-through lane.

Abstract: In an example embodiment, an 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 facilitate the completing a transaction when a decline or loss of power is encountered.

Abstract: A method and system is provided that enables generation of messages for various types of card activated terminal devices such as automated teller machines. Automated teller machines operate responsive to a variety of ATM message formats. The transaction processing system may generate ATM messages one of the ATM message formats using information associated with the ATM message format that is stored in a data store. The transaction processing system may include among its software components a message gateway router (MGR) which is operate to use information stored in the data store to convert messages from an internal message format to a variety of external message formats used by the automated teller machine.

Abstract: A banking system controlled by data bearing records utilizes metrics in acquiring and processing event data related to financial transaction activity at a plurality of automated banking machines. The system uses machine sensors to detect event data during a transaction. For each machine, the system can obtain, analyze, and store event data. The event data can include transaction data related to transaction type, time analysis data related to transaction duration, and operational data related to machine components used during the transaction. Statistical machine averages can be determined and compared by the system in real time. The system can produce statistics related to component performance, such as check reader performance in reading check data from generated check images. The system can also be used to detect and then alleviate potential problems, such as by causing a machine to perform an early sending of check images.

Abstract: Described in an example embodiment herein is an apparatus comprising an input device and a processor communicatively coupled with the input device. The processor employs asymmetric encryption to provision the input device with a terminal master key. The processor employs the terminal master key with a symmetric encryption algorithm to transfer a communication key to the input device. The processor obtains data representative of a financial account. The processor receives data representative of the personal identification number for authorizing a financial transaction with the financial account from the input device, the data representative of the personal identification number is encrypted with the communication key. The processor receives a request for a financial transaction associated with the financial account via the input device. The processor determines whether the financial transaction is authorized based on the data representative of the personal identification number received from the input device.

Abstract: One or more of the embodiments described herein may include features related to the protection of chests, safes and other security enclosures and in particular to improvements to safes/chests and automatic banking machines which are subject to gas attack and similar assault which are perpetrated with a view to blowing up a chest to gain unauthorized access.

Abstract: In an example embodiment, an 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 facilitate the completing a transaction when a decline or loss of power is encountered.

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: An automated banking machine operates to cause financial transfers responsive to data read from data bearing records. A card actuated automated banking machine may accept checks and dispense cash to users. The banking 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 may be credited to a user account corresponding to card data or may be dispensed to the user from the banking machine responsive to one or more deposited checks.

Abstract: In an example embodiment, there is disclosed an apparatus comprising a lock box having an input device, circuitry, and a lock for holding a key to gain access to an area. The apparatus further comprises an alarm system for protecting the area and a proximity reader coupled with the alarm system, the proximity reader is located within the area. The circuitry is operable to determine if an input received by the input device is for an authorized user. The lock box is operable to provide access to the key in response to the circuitry determining that the input received by the input device is for an authorized user. The proximity reader is operable to receive data from a wireless token. The alarm system is operable to deactivate for at least a portion of the area responsive to the proximity reader receiving the data from the wireless token.