Abstract: An automated banking machine that 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 card actuated automated banking machine (152, 198, 200) includes a plurality of transaction function devices. The transaction function devices include a card reader (170), a printer (174), a bill dispenser (176), a display (182), a check imaging device (186), and at least one processor (190). The machine is operative, responsive to receiving a check and certification data, to dispense cash in exchange for the check. The person presenting the check to the machine need not provide user identifying inputs through input devices of the machine in order to receive cash for the check. Furthermore, prior to accepting the check as a payment, the person can communicate with at least one computer (204) through at least one consumer interface device (208) to verify that the check is payable for the check amount.

Abstract: An automated banking machine operates responsive at least in part to data read from data bearing records. The automated banking machine operates to read card data from user cards and to cause a determination to be made that the read data corresponds to at least one of a user and account that is authorized to operate the machine. The machine operates responsive at least in part to the determination to perform a transaction function and to cause the account to be assessed an amount corresponding to the transaction function. The machine includes a housing including a currency holding area, and operates to generate signals responsive to unauthorized access to the currency holding area.

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: An automated banking machine controlled responsive to data bearing records includes a card reader that reads identifying data from a user card. A host banking system authorizes operation of an automated banking machine responsive to computer verification of the identifying data. The automated banking machine can dispense cash to an authorized machine user in a cash dispensing transaction, and have the user's bank account charged for the cash amount dispensed. The automated banking machine can acquire image and magnetic data read from deposited checks to determine the genuineness of checks and the authority of a user to receive cash for the checks. Cash can be dispensed from the machine to a user in exchange for a deposited check.

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: An apparatus that operates to cause financial transfers responsive to data read from data bearing records, includes at least one processor that is in operative connection with a card reader, a check acceptor, a cash dispenser and a display. The at least one processor causes the machine to operate to read card data from a user card, and to cause a determination to be made that the read card data corresponds to an authorized financial account. The at least one processor is operative to cause data to be read from a check and/or cash to be dispensed, and a financial transfer to or from the account corresponding to the value thereof. Machine instructions are output and user transaction inputs can be received through either a primary or an auxiliary touch screen display.

Abstract: An automated banking machine that 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: An apparatus that operates to cause financial transfers responsive to data read from data bearing records, includes at least one processor that is in operative connection with a card reader, a check acceptor, a cash dispenser and a display. The at least one processor causes the machine to operate to read card data from a user card, and to cause a determination to be made that the read card data corresponds to an authorized financial account. The at least one processor is operative to cause data to be read from a check and/or cash to be dispensed, and a financial transfer to or from the account corresponding to the value thereof. Machine instructions are output and user transaction inputs can be received through either a primary or an auxiliary touch screen display.

Abstract: An automated banking machine system operates to cause financial transfers responsive to data read from data bearing records. The system is operative to read a financial card bearing account indicia with a card reader. A user is enabled to perform at least one banking operation responsive to account indicia read from the card. Such banking operations may include dispensing cash and accessing financial accounts. A user is also enabled to perform at least one banking operation responsive to financial account data communicated to the automated banking machine from a mobile phone.

Abstract: A banking system that utilizes metrics in acquiring and processing event data related to financial transaction activity at a plurality of automated banking machines. Automated banking machine include sensors able to detect event data during a transaction. The event data can include transaction data related to the type of transaction, time analysis data related to duration of the transaction, and operational data related to machine components used in carrying out the transaction. The event data for automated banking machines can be obtained, analyzed, and stored. Statistical averages associated with the banking system machines can be determined in real time. The averages allow a respective machine to be compared to other machines with respect to operational efficiency. An alert can be issued concerning a statistical anomaly regarding the respective machine.

Abstract: In accordance with an example embodiment, there is disclosed herein an externally accessible headphone jack that is suitable for use with an automated banking machine such as an ATM. The headphone jack is configured to be releasably, electrically connectable to portable audio output devices. The headphone jack includes an opening external of the machine that is configured to receive electrical connector plugs therein. A jack housing is located within the automated banking machine, wherein the jack housing extends below the opening and bounds an interior area, wherein the interior area houses at least one electrical contact configured for releasable electrical connection with electrical connector plugs. The jack housing includes a drain opening therein below the at least one electrical contact that is configured to drain water from the interior area of the jack housing.

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: An apparatus that operates to cause financial transfers responsive to data read from data bearing records, includes at least one processor that is in operative connection with a card reader, a check acceptor, a cash dispenser and a display. The at least one processor causes the machine to operate to read card data from a user card, and to cause a determination to be made that the read card data corresponds to an authorized financial account. The at least one processor is operative to cause data to be read from a check and/or cash to be dispensed, and a financial transfer to or from the account corresponding to the value thereof. Machine instructions are output and user transaction inputs can be received through either a primary or an auxiliary touch screen display.

Abstract: An automated banking machine operated responsive to data bearing records includes a card reader that is operative to read data from user cards including financial account identifying data, and to cause financial transfers responsive to the card data. The automated banking machine includes a sheet accepting device. The sheet accepting device is operative to receive a stack of sheets and to separate each sheet from the stack. Each sheet is aligned with a sheet path and analyzed by analysis devices including at least one magnetic read head, an imager, and/or a validation device. Sheets determined to have at least one property of a genuine sheet are processed and stored in the machine.

Abstract: A banking system is controlled responsive to data read from data bearing records. The system comprises an automated banking machine. The machine includes at least one type of data reader, which includes a card reader. The machine also includes an anti-fraud arrangement that can deter effective operation of unauthorized devices attached to the machine. Such unauthorized devices may include a fraudulent card reader placed adjacent to a card entry slot that leads to the card reader. The arrangement can sense a fraudulent card reader installed on the machine. The arrangement can additionally emit jamming signals that interfere with an ability of a sensed fraudulent card reader to accurately read card data.

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.