Patents Assigned to Diebold Self-Service System division of Diebold, Incorporated
  • Automated banking machine that outputs interference signals that jam reading ability of unauthorized card readers
    Patent number: 8517261
    Abstract: A cash dispensing automated banking machine includes a card reader associated with a card slot. An anti-fraud sensing device is able to sense ambient light or generated radiation that passes to the sensing device through the card reader slot. The installation of an unauthorized card reading device on the machine changes at least one property sensed by the sensing device. A controller in the machine receives signals from the sensing device, and determines if an unauthorized card reading device has been installed.
    Type: Grant
    Filed: November 2, 2012
    Date of Patent: August 27, 2013
    Assignee: Diebold Self-Service Systems division of Diebold, Incorporated
    Inventors: Natarajan Ramachandran, Jeffery M. Enright, Dale H. Blackson, Edward L. Laskowski
  • Banking system controlled responsive to data bearing records
    Patent number: 8511544
    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 machine is operative to cause a computer determination to be made that the card data corresponds to an authorized machine user. The automated banking machine may also include a storage device that is operative to unlock a secured area including information thereon that is used by the automated banking machine to carry out financial transfers.
    Type: Grant
    Filed: December 22, 2011
    Date of Patent: August 20, 2013
    Assignee: Diebold Self-Service Systems division of Diebold, Incorporated
    Inventors: Nick Billett, Charles E. Crallie, Richard Harris, Andrew Clugston, Anne Konecny, Tim Crews, Judith Edwards
  • Banking system operated responsive to data read from data bearing records
    Patent number: 8511546
    Abstract: A system includes automated banking machines that operate responsive to data read from data bearing records. Transactions can be carried out through communication with local and remote service providers. An automated banking machine is operable to conduct transactions for machine users responsive to data read from user cards and communication with a transaction host. The machine is operable to provide output signals which drive external displays. The machine is operable to receive visual and/or audio content from remote content sources, store data corresponding to the content, and then output the content through the external displays.
    Type: Grant
    Filed: February 25, 2013
    Date of Patent: August 20, 2013
    Assignee: Diebold Self-Service Systems division of Diebold, Incorporated
    Inventors: James Meek, Allan R. Bakerink, Bartholomew J. Frazzitta, Randolph C. Benore, Daniel S. McIntyre, Mark DePietro
  • Cash dispensing automated banking machine with GPS
    Patent number: 8505814
    Abstract: Automated banking machines include a Global Positioning System (GPS). The machines can transmit their GPS location reading to a service center. The service center can receive through a customer's cell phone, a customer request for directions to the nearest card-reading cash-dispensing machine that does not have a transaction fee. The customer request can include account data and GPS location of the cell phone. The service center can determine from the account data which financial networks would not cause the customer to be assessed a transaction fee for a cash withdrawal. The service center can then determine from the GPS locations of the machines in these financial networks, which machine is geographically closest to the phone's GPS location. Directions to this nearest automated banking machine are then sent to the phone.
    Type: Grant
    Filed: January 7, 2013
    Date of Patent: August 13, 2013
    Assignee: Diebold Self-Service Systems division of Diebold, Incorporated
    Inventors: James Block, H. Thomas Graef, Natarajan Ramachandran, Jeffrey M. Enright, Dale H. Blackson
  • Banking system controlled responsive to data bearing records
    Patent number: 8496168
    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 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. Data corresponding to a financial account can also be linked to a mobile wireless device through inputs by an authorized user through an input device of the automated banking machine.
    Type: Grant
    Filed: July 7, 2011
    Date of Patent: July 30, 2013
    Assignee: Diebold Self-Service Systems division of Diebold, Incorporated
    Inventors: Willis Miller, Matthew R. Zaugg, James Block, H. Thomas Graef, Natarajan Ramachandran, Jeffery M. Enright, Mark A. Douglass
  • Banking system controlled responsive to data bearing records
    Patent number: 8490868
    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 may also include a client device that is operative to cause the display, card reader and other devices in the machine to operate in response to communications through the client device.
    Type: Grant
    Filed: February 18, 2013
    Date of Patent: July 23, 2013
    Assignee: Diebold Self-Service Systems division of Diebold, Incorporated
    Inventors: Mark Kropf, Brian McClain, Robert Konecny, James Meek, Nick Billett, Balaji Devarasetty, Kenneth W. Zahorec
  • Banking system controlled responsive to data bearing records
    Patent number: 8490867
    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 at least in part to the card data corresponding to stored data for a financial account authorized to conduct a transaction with the machine. The machine includes a plurality of hardware devices and a terminal processor. The terminal processor is operative to cause a hardware device to process sheets in carrying out transactions involving financial transfers. A device processor in a hardware device is operative to communicate certain condition data associated with the hardware device to a portable device.
    Type: Grant
    Filed: November 27, 2012
    Date of Patent: July 23, 2013
    Assignee: Diebold Self-Service Systems division of Diebold, Incorporated
    Inventors: Mike P. Ryan, Kenneth Turocy, William D. Beskitt, Eric Toepke, David A. Peters, Songtao Ma, Damon J. Blackford, Joe Altier, Thomas A. VanKirk, Robert W. Barnett
  • BANKING TERMINAL THAT OPERATES TO CAUSE FINANCIAL TRANSFERS RESPONSIVE TO DATA BEARING RECORDS
    Publication number: 20130175338
    Abstract: A portable terminal operates to cause financial transfers responsive to data read from data bearing records in the form of user cards. The user cards include credit and/or debit cards. Data corresponding to the card data is stored in memory of the terminal. The portable terminal includes a wireless communication device. The terminal operates to wirelessly communicate data corresponding to card data to one or more remote computers to cause financial transfers to or from selected accounts. The portable terminal also operates to provide outputs corresponding to account balances and to receive data corresponding to receipts.
    Type: Application
    Filed: February 28, 2013
    Publication date: July 11, 2013
    Applicant: Diebold Self-Service Systems division of Diebold, Incorporated
    Inventor: Diebold Self-Service Systems division of Diebold, Incorporated
  • Banking system controlled responsive to data bearing records
    Patent number: 8479978
    Abstract: An automated banking machine is part of a banking system that operates to cause financial transfers responsive to data read from data bearing records. The machine includes a card reader that operates to read data from user cards corresponding to financial accounts. A card account's status is listed in a data store as either blocked or unblocked for use in approving transactions on the account. A transaction on an account cannot be carried out unless the account has an unblocked status. Similarly, no transaction is carried out on an account having a blocked status. Read card data is sent from the machine to a remote card security computer which determines the card account status from the data store. If the account is unblocked, then the machine can continue with the transaction and seek transaction approval from a host computer associated with the automated banking machine.
    Type: Grant
    Filed: June 22, 2010
    Date of Patent: July 9, 2013
    Assignee: Diebold Self-Service Systems division of Diebold, Incorporated
    Inventors: Willis Miller, Matthew R. Zaugg, James Block, H. Thomas Graef, Natarajan Ramachandran, Jeffery M. Enright, Mark A. Douglass, Michael Scanlon, Caron R. Blackson
  • Automated banking machine operation authorization based on user location verified by data read from data bearing records
    Patent number: 8479983
    Abstract: An automated banking machine transaction request is authorized based on the determined location of an authorized user relative to the machine. Identification of an authorized machine user is linked to a remotely locatable item (e.g., a cell phone) of the authorized user. A machine receiving the user identification causes the location of the cell phone to be determined. A comparison is then made of the cell phone location and the machine location. If the locations correspond, then the current machine user is recognized as the authorized user and machine transactions are permitted. If the locations do not correspond, then the current user is denied transactions at the machine. The security arrangement helps prevent an unauthorized person from using a fraudulent machine card to access a financial account.
    Type: Grant
    Filed: September 10, 2012
    Date of Patent: July 9, 2013
    Assignee: Diebold Self-Service Systems division of Diebold, Incorporated
    Inventors: James Block, H. Thomas Graef, Natarajan Ramachandran, Jeffery M. Enright, Dale H. Blackson
  • Banking system controlled responsive to data bearing records to sequentially provide preassigned ordered marketing and campaign presentations to a particular individual over different transactions
    Patent number: 8474701
    Abstract: An automated transaction machine includes a card reader that can read a unique magnetic characteristic of a magnetic stripe on a card. The machine can then send data reflective of the read characteristic to a remote card validator. The card validator can compare the received data to referenced magnetic characteristic data corresponding to cards authorized for use with the machine. The machine can also communicate with a transaction host computer to carry out a financial transaction. As a result of the magnetic data comparison, an invalid card can be discovered and a fraudulent transaction prevented. Communication between the card validator and machine is independent from communication between the transaction host and machine.
    Type: Grant
    Filed: June 20, 2012
    Date of Patent: July 2, 2013
    Assignee: Diebold Self-Service Systems division of Diebold, Incorporated
    Inventors: James Meek, H. Thomas Graef
  • Banking system controlled responsive to data bearing records
    Patent number: 8474698
    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 machine is operative to cause a computer determination to be made that the card data corresponds to an authorized machine user. The automated banking machine may also include a storage device that is operative to unlock a secured area including information thereon that is used by the automated banking machine to carry out financial transfers.
    Type: Grant
    Filed: December 22, 2011
    Date of Patent: July 2, 2013
    Assignee: Diebold Self-Service Systems division of Diebold, Incorporated
    Inventors: Nick Billett, Charles E. Crallie, Richard Harris, Andrew Clugston, Anne Konecny, Tim Crews, Judith Edwards
  • Banking system controlled responsive to data bearing records
    Patent number: 8474707
    Abstract: A banking system operates to allocate funds in accounts in response to data bearing records in the form of paper financial checks. A mobile phone has a camera and a programmable memory. The memory stores phone user data, including a bank account number and an electronic signature. The camera can be used to capture an image of a paper check which has the phone user as the payee. The phone can wirelessly transmit the account number, the electronic signature, and the check image to a bank deposit system. The system can store the check image and the electronic signature in correlated relation in a deposit transaction record. The system can cause the phone user's bank account to be credited a cash value corresponding to the check value. Confirmation of the check deposit can be transmitted to the user's phone.
    Type: Grant
    Filed: August 3, 2012
    Date of Patent: July 2, 2013
    Assignee: Diebold Self-Service Systems division of Diebold, Incorporated
    Inventor: Natarajan Ramachandran
  • Banking machine controlled responsive to data read from data bearing records
    Patent number: 8474700
    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.
    Type: Grant
    Filed: February 24, 2012
    Date of Patent: July 2, 2013
    Assignee: Diebold Self-Service Systems division of Diebold, Incorporated
    Inventors: David N. Lewis, Jeffery M. Enright, Natarajan Ramachandran, Mark A. Douglass, Tim Crews, Songtao Ma, Randall W. Jenkins, H. Thomas Graef, Sathish M. Irudayam, Klaus Steinbach, Theresa Ipson, Frank Natoli, James E. Pettitt, Charles H. Somers, Jr.
  • Automated banking machine controlled responsive to data bearing records
    Patent number: 8474699
    Abstract: A system controlled responsive to data bearing records includes a card reader that is operative to read card data from user cards including financial account data, and causes operation of an automated banking machine to carry out financial transactions responsive to the account data. The automated banking machine is operative to access at least one network. The automated banking machine is operative to receive a gift card code from a machine user, where the code is correlated with a monetary value in a data store. In response to receiving the code, the machine operates to dispense a non-currency gift card that is redeemable at a merchant for the monetary value in at least one of goods or services.
    Type: Grant
    Filed: November 7, 2011
    Date of Patent: July 2, 2013
    Assignee: Diebold Self-Service Systems division of Diebold, Incorporated
    Inventors: David E. Kolinski-Schultz, Dale H. Blackson, Mark D. Smith, Natarajan Ramachandran
  • Automated banking machine that operates responsive to data bearing records
    Patent number: 8474705
    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.
    Type: Grant
    Filed: December 10, 2012
    Date of Patent: July 2, 2013
    Assignee: Diebold Self-Service Systems division of Diebold, Incorporated
    Inventors: Jay Paul Drummond, Bob A. Cichon, Mark D. Smith, David Weis
  • Banking Apparatus Controlled Responsive to Data Bearing Records
    Publication number: 20130161385
    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.
    Type: Application
    Filed: February 13, 2013
    Publication date: June 27, 2013
    Applicant: Diebold Self-Service Systems division of Diebold, Incorporated
    Inventor: Diebold Self-Service Systems division of Diebold, Incorporated
  • Banking Apparatus Controlled Responsive to Data Bearing Records
    Publication number: 20130153654
    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.
    Type: Application
    Filed: February 12, 2013
    Publication date: June 20, 2013
    Applicant: Diebold Self-Service Systems division of Diebold, Incorporated
    Inventors: H. Thomas Graef, William D. Beskitt
  • ATM transaction authorization based on user location verification
    Patent number: 8459546
    Abstract: An automated banking machine transaction request is authorized based on a determined location of an authorized user relative to the machine. Identification of an authorized machine user is linked to a remotely locatable item (e.g., a cell phone) of the authorized user. A banking machine receiving the user identification causes the location of the cell phone to be determined. A comparison is then made of the cell phone location and the banking machine location. If the locations correspond, then the current machine user is recognized as the authorized user and machine transactions are permitted. If the locations do not correspond, then the current user is denied transactions at the banking machine. The security arrangement helps prevent an unauthorized person from using a fraudulent card to access a financial account.
    Type: Grant
    Filed: May 24, 2012
    Date of Patent: June 11, 2013
    Assignee: Diebold Self-Service Systems division of Diebold, Incorporated
    Inventors: James Block, H. Thomas Graef, Natarajan Ramachandran, Jeffery M. Enright, Dale H. Blackson
  • Banking apparatus controlled responsive to data bearing records
    Patent number: 8453924
    Abstract: An automated banking machine of a banking system operates responsive to data read from bearing records. The machine includes a card reader operative to read card data including financial account identifying data, and causes financial transfers responsive to the read card data. The machine also includes a sheet acceptor that separates each sheet from a received stack of sheets. Each sheet is aligned with a sheet path and analyzed by analysis devices which include at least one magnetic read head, an imager, and/or a validation device. Sheets determined not to be genuine are returned to the machine user. Sheets determined to be genuine are processed and stored in the machine. At least one surface area image sensor and at least one image data processor are used to determine sheet movement in the sheet path.
    Type: Grant
    Filed: July 23, 2012
    Date of Patent: June 4, 2013
    Assignee: Diebold Self-Service Systems division of Diebold, Incorporated
    Inventors: Kenneth Turocy, Mike R. Ryan, William D. Beskitt, Damon J. Blackford, Jeffrey M. Eastman, Steven Shepley, Glenda Griswold