Abstract: A modular ATM is disclosed herein and can include a safe with a first port, at least one currency cassette and dispenser both positioned in the safe, a recycler, and a plurality of linking transport assemblies. The dispenser can move banknotes between the cassette and the first port. The recycler can be positioned on the safe, have second and third ports, and move banknotes between the second and third ports. The recycler can be positionable in a plurality of different orientations and offsets relative to the safe. The plurality of linking transport assemblies can each be individually engageable with the recycler. Each of the linking transport assembly moves banknotes between the first port of the safe and the second port of the recycler. Each linking transport assembly is individually positionable between the safe and the recycler.

Abstract: Disclosed herein is a method where a consumer employs a device associated with the user to scans tags associated with items for purchase. The consumer can pay for the items using the device associated with the user. A point of sale (“POS”) terminal or other such device associated with the merchant scans tags associated with items associated with the user and reconciles the items scanned by the device associated with the user with the items scanned by the device associated with the merchant.

Abstract: A method of operating an automated transaction machine (ATM) can include receiving a token from a user. The method can also include confirming a personal identification number (PIN) of the user and dispensing banknotes in response to the confirming. The method can also include at least partially disengaging a first component of the ATM from a remainder of the ATM. The method can also include altering the first component to a non-conforming condition after being at least partially disengaged. The method can also include re-engaging the first component with the ATM after being altered. The method can also include replacing a second component of the ATM after the re-engaging. Replacing the second component can include pairing the second component with a computing device of the ATM. The pairing can be responsive at least in part to the altering.

Abstract: In accordance with an example embodiment there is disclosed herein a method for authenticating a touch screen layout. A file containing the touch screen layout is signed by a key known to the device that is to deploy the touch screen layout, such as, for example an automated banking machine and/or a point of sale system. Before the touch screen is used by the device's user interface, the device validates the touch screen.

Abstract: Described in example embodiments herein are techniques for implementing an automated banking machine such as an ATM. An example embodiments, tracks the flow of a note through an ATM. Another embodiment corrects errors detected during a note flow. Some embodiments are in the form of security protocols for communications or other communication protocols, or techniques for monitoring devices operating in the ATM. Yet another example embodiment is directed to security of a currency cassette. Still yet another embodiment is directed to detecting tampering of the ATM's gate and/or shuttle. Yet still another embodiment determines if notes in a shuttle were delivered.

Abstract: A system and method provide for enhanced in-lobby-teller (ILT) machines. A banking system includes a local switch, a bank core, a teller terminal, and an ILT machine. The teller terminal allows a bank teller to approve customer requests entered at an ILT. The ILT receives requests and determines if teller approval is needed for the request. If so, the request is forwarded to a teller/teller terminal. When approved, an indication is set in the banking request and the now approved request is sent back to the ILT machine. The ILT machine detects the approval indication and transmits the request to the external-partner switch. This switch returns the transaction request to the local bank switch for forwarding to the bank core. The core may update account information associated with the banking request and then route it back to the ILT where any remaining tasks of the transaction request are completed.

Abstract: A card reader includes a user-card-insertion slot operatively connected to user-card path. A data-reader is located in an interior of the card reader. A plate is located in the interior of the card reader. The plate is adjacent to the data-reader and interior to the user-card-insertion slot. The plate is configured to block the insertion of a skimming or shimming device and to bend during an attempt to remove the plate from the interior of the card reader. The plate may be configured such that a power connection between the plate and a circuit supplying power to the card reader may be broken during an attempt to remove the plate from the interior of the card reader.

Abstract: In an example embodiment, there is described in here a method for pre-staging transactions that permit a banking customer to either transfer money to a third party or to themselves. In particular embodiments, a token is generated that can be used multiple times by the recipient.

Abstract: A financial transaction computing system can include an ATM and a prestaging module. The ATM can have one or more processors, a first transceiver, one or more cash cassettes, a slot exposed on an exterior of the ATM and communicating with the one or more cash cassettes, and a banknote dispensing module at least configured to move banknotes from the one or more cash cassettes to the slot. The pre-staging module can have one or more processors, a first memory, and a second transceiver. The pre-staging module can also be configured to communicate with the ATM over a wireless public network to receive a token from the ATM over the wireless public network. The pre-staging module can be configured to retrieve a pre-staged transaction from the first memory in response to receiving the token from the ATM.

Abstract: Described in an example embodiment herein is an apparatus that comprises a safe having first and second openings, a document accepting device located within the safe, a document destruction device located within the safe that is coupled with the document accepting device, and a destroyed document storage device located outside of the safe. The document accepting device is operable to receive a document via the first opening and to forward the document to the document destruction device. The document destruction device is operable to destroy the document; and convey the destroyed document via the second opening the destroyed document storage device.

Abstract: A managing computing device positioned in an ATM can receive a dispense request for an amount of currency and account information from a user. A controller of a currency dispenser can generate a first number. The first number, the dispense request, and the account information can be sent to a remote, host computing device that shares a secret key with the controller. The host device can generate a first message authentication code (MAC) based on at least one of the first number and the amount of currency and can send it to the controller. The controller can generate a second MAC based on at least one of the first number and the amount of currency, confirm identity between the first and second MACs, and control the currency dispenser to dispense the amount of currency to the user.

Abstract: A cash-dispensing banking terminal has a housing, a transmitter, a receiver, a cash dispenser, and a processor to control the cash dispenser. A pre-created transaction request was earlier created with a mobile device before a banking customer and the mobile device arrive at the cash-dispensing banking terminal. A remote computing device authenticates and authorizes the transaction request before the customer and the mobile device arrive at the cash-dispensing banking terminal. When the transaction is authenticated and authorized, a remote computer generates an executable transaction request and generates and sends a transaction identifier associated with an executable transaction request to the mobile device. The receiver receives the transaction identifier from the mobile device, when the customer is at the banking terminal. The remote computer and/or other devices verify the transaction identifier is valid. The banking terminal performs the transaction request while the customer is at the banking terminal.

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: An Automated Teller Machine has a housing having an aperture through which documents may pass between the interior and the exterior of the housing. At least one escrow area is defined in the housing. A document transport system extends within the housing for the transport of documents between the aperture and the escrow area.

Abstract: An Automated Transaction Machine (ATM) is associated with a beacon. The beacon may communicate with an electronic device running a software application that is configured to detect the beacon. The software application may have a reaction based upon the detection of the beacon. The ATM or related systems may respond to data directly or indirectly from the software application to make a customization or take other action based there on.

Abstract: An automated transaction machine can include at least one currency cassette, a currency recycler, a user interface, a transceiver, a shell, a door, a slot, and a cart. The currency recycler can extract banknotes held by the currency cassette. The user interface can receive an input from a user corresponding to a request for currency dispensing. The transceiver can transmit the input remotely for approval. The shell can have an interior at least partially enclosing the currency cassette and the door can close the interior. The cart can have a holding portion and a plurality of wheels. The currency cassette can be carried by the holding portion and rest on the wheels. Lowermost edges of the wheels can be lower than lowermost edges of the holding portion and the currency cassette when the currency cassette is in the interior.

Abstract: In an example embodiment, there is described herein an automated banking machine with a user interface that enables a customer perform a financial transaction. The automated banking machine also comprises a first interface for communicating with a remote service provide and a second interface that can communicate with a customer service device. Upon receiving an input from the customer requesting assistance, the automated banking machine establishes a communication link between the remote service provider and the customer device. The communication link enables audio, video, or a combination of audio and video data to be sent between the customer device and the remote service provider.

Abstract: A center-alignment apparatus for use in an ATM has a transport mechanism to transport a document into the ATM. One or more plates operable in tandem to move the document toward a centerline of a path the document is to travel. Edge-detection sensor(s) on the plate sense an edge of the document when the plate(s) is moved toward the centerline. A translate/rotate mechanism translates and rotates the document while the translate/rotate mechanism transversely moves the document toward the center until another edge-detection sensor detects an edge of the document to create a parallel-aligned document. The control logic controls the plate(s) to centers the parallel-aligned document about the centerline to create a centered document.

Abstract: An automated-transaction machine includes a fascia gate mechanism for presenting and accepting notes of value. The fascia gate mechanism maintains structural integrity of the automated-transaction machine before a transaction, during a transaction, and after a transaction has taken place. The fascia gate mechanism comprises a separable gear drive for the opening and closing of the fascia gate.

Abstract: An embodiment includes an apparatus in an ATM to transport a document. The apparatus includes a feed wheel, a stripping tire, a clutch outer-hub and a clutch inner-hub. The feed wheel may be rotated by a first-rotational driver to move the document in a forward direction while the stripping tire is rotated by movable contact with the feed wheel. The clutch inner-hub prevents the stripping tire from rotating in a direction to cause the document to move in a reverse direction when the first-rotational driver rotates the feed wheel. Alternatively, the stripping tire is rotated by a second-rotational driver to move the document in the reverse direction when the feed wheel is not rotated by a first-rotational driver while the clutch outer-hub prevents the stripping tire from rotating in a direction to cause the document to move in the forward direction.