Abstract: An automated banking machine operates responsive to data read from data bearing records. The data corresponds to card data which corresponds to at least one financial account. The record data is read by a reader and compared to stored data to authorize use of the machine. A financial transfer corresponding to the account may be carried out once use is authorized based on correspondence of the record data. A printed record of transactions is printed by the machine. Record data may alternatively be received by a reading device of the machine from a mobile device of a user, such as a cell phone.

Abstract: An automated banking machine system includes an automated banking machine controlled responsive to data bearing records. The machine includes a card reader that is operative to read user identifying data from user cards. The system authorizes machine operation responsive to the user identifying data corresponding to an authorized user data. The machine includes a deposit accepting device. The system allows input operation data, which corresponds to inputs sensed by a plurality of sensors as a sheet is processed in the deposit accepting device, to be used to operate another deposit accepting device.

Abstract: A banking system controlled responsive to data bearing records includes a card reader that can read identifying data from user cards. The system can authorize operation of an automated banking machine responsive to the read data. The machine can provide an electronic transaction receipt to the machine user. A bank host computer is operable to submit the receipt to a system address of record with the bank. The address can correspond to an e-mail address, phone number, or other address associated with an account involved in the transaction. The receipt can also include an image associated with the transaction. The system can also operate to image a check deposited at the machine, and then electronically send the image to the check maker, the payee, and/or a clearinghouse.

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.

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.

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.

Abstract: A banking system controlled responsive to data bearing records includes an automated banking machine which includes a deposit accepting device. Data read from a user card through operation of a card reader in the machine is used to determine if the data on the card corresponds to an account of an authorized machine user. The deposit accepting device is operative to receive a stack of sheets and to separate each sheet from the stack through operation of a picker. Each sheet is aligned with the sheet path and analyzed by analysis devices including at least one magnetic read head, an imager and/or a validation device. Sheets determined not to have at least one property of a genuine sheet are returned to a user of the machine. Sheets determined to have at least one property of genuine sheets are processed and stored in the machine. The machine operates to identify malfunctions of the deposit accepting device.

Abstract: An automated banking machine is operated responsive to data read from data bearing records. The automated banking machine operates responsive to the card data read from user cards to carry out financial transfers for authorized users. The banking machine includes a top housing, a fascia assembly, a support, a card reader, a display, a cash dispenser, and a chest portion. An automated banking machine includes a processor case in horizontally pivotally supported connection with the housing, and which may be released from supported connection with the housing.

Abstract: An automated banking machine operates using data read from user cards. The machine is operative to transfer funds in account. The machine includes a fascia adapted to be held by a lock adjacent an opening of a housing supported atop a chest. The fascia is in operatively supported connection with the housing and operatively supported by the housing through two horizontally-disposed members. The machine includes at least one serviceable component supported within the housing or by the fascia. The fascia is moved away from the housing while operatively supported by the housing through the two horizontally-disposed members and a servicer may stand between the two horizontally-disposed members while servicing at least one component of the machine. The housing may alternatively or additionally include a rear panel similarly mounted with two horizontally-disposed members for servicing of machine components.

Abstract: An automatic banking machine operates responsive to data read from data bearing records to cause financial transfers. The machine includes a card reader that reads data corresponding to financial accounts from user cards, and carries out transactions related to the accounts. The machine includes a camera, a microphone, and the card reader at a customer interface located at the front of the machine. A servicer display device is at a servicer interface located at the rear of the machine. The customer interface and servicer interface can be placed in audio/visual communication. Although a front servicer may not be directly visible to a rear servicer, they are still able to communicate with each other through the customer interface and servicer interface during machine servicing. The servicer interface can also be used to allow a lone servicer to be audibly/visually alerted to a potential customer approaching the machine.

Abstract: A system controlled responsive to a data bearing record includes a card reader that is operative to read data from user cards including identifying data, and to authorize operation of an automated banking machine responsive to the identifying data. The automated banking machine may be operative to provide an electronic transaction receipt from the banking machine. A bank host computer may be operable to submit the receipt to a system address of record with the bank. The address of record may correspond to an e-mail address, phone number or other address associated with an account involved in the transaction. The receipt may include an image or images associated with the transaction and may be sent to a user of a banking machine. The system may also operate to image deposited checks deposited at a banking machine and may be electronically sent to a maker, payee, or clearinghouse.

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 enable a user thereof to make payments for purchases of goods or services to be delivered remote from the machine and to receive from the user a cash payment for the purchases through a cash acceptor. The automated banking machine includes a printer that provides receipts for transactions conducted through the machine.

Abstract: A banking system operates to cause financial transfers responsive to card data read from data bearing records by a card reader. The system includes at least one automated banking machine comprising a cash dispenser. The system is operative during a cash dispense transaction request to receive through an automated banking machine, user input of data corresponding to a mobile phone number. The system is operative to generate a security code for the requested cash dispense transaction. The system uses the phone number to send the generated security code to the mobile phone. The cash dispense transaction is allowed to proceed only if the system receives machine user input of the sent security code within a predetermined amount of time.

Abstract: An automated banking machine can receive user card data from a cell phone. The phone stores the card data of several selectable cards, including electronic account number data. The machine generates and displays a random number correlated with a time period. A machine user manually inputs the displayed random number into their phone. A software application in the phone encrypts the selected card data along with the inputted random number data. The phone displays a bar code image containing the encrypted data. The banking machine includes a bar code reader which can read the displayed image. The machine causes the read data to be decrypted. The random number is used to verify the current transaction session. Thereafter, the user may provide other inputs, including PIN input. The process replaces physical insertion of a card yet allows secure input of the card data. Possible data interception from activities requiring card insertion are also reduced.

Abstract: An automated banking machine can receive user card data from a cell phone. The phone stores the card data of several selectable cards, including electronic account number data. The machine generates and displays a random number correlated with a time period. A machine user manually inputs the displayed random number into their phone. A software application in the phone encrypts the selected card data along with the inputted random number data. The phone displays a bar code image containing the encrypted data. The banking machine includes a bar code reader which can read the displayed image. The machine causes the read data to be decrypted. The random number is used to verify the current transaction session. Thereafter, the user may provide other inputs, including PIN input. The process replaces physical insertion of a card yet allows secure input of the card data. Possible data interception from activities requiring card insertion are also reduced.

Abstract: A card actuated automated banking machine (10) is operative to carry out financial transactions responsive to data included on user cards. The machine includes a user interface (15) including a display (24). The user interface includes a card reader (16) which is operative to read data on user cards which identify at least one of user and a user's financial accounts. A fascia of the machine includes a keypad (404, 438, 458) through which users input confidential data. Covers (400, 422, 430) prevent unauthorized persons from viewing confidential inputs to the keypad. Authorization signals assure that the display is operating in a manner that provides appropriate user instructions. A visual indicator is operative to indicate to a user that keypad inputs are being encrypted.

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 at least one memory of the terminal. The 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 terminal also operates to provide outputs corresponding to account balances and to receive data corresponding to receipts.

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 a diagnostic article being in operative connection with the machine a servicer interface of the machine may selectively output textual indicia included in service manuals. Servicers may also selectively conduct diagnostic activities at a servicer interface and a consumer interface on the machine.

Abstract: An automated banking machine operates responsive to data included on user cards. The machine includes a deposit accepting device. The deposit accepting device is operative to receive a stack of sheets and to separate each sheet from the stack through operation of a picker. Each sheet is aligned with the sheet path and analyzed by analysis devices including at least one magnetic read head, an imager, and/or a validation device. Sheets determined not to have at least one property of a genuine sheet are returned to the user of the machine. Sheets determined to have the at least one property of a genuine sheet are processed and stored in the machine for reuse.

Abstract: A system controlled responsive to data bearing records includes a card reader that is operative to read card data from user cards including identifying data, and authorizes operation of an automated banking machine responsive to the identifying data. The automated banking machine is operative to generate a check in response to inputs from a user of the banking machine. The banking machine is operative to present the check to a user of the automated banking machine. The banking machine is operative to present an interface or other method for a user to sign the check. The user's banking account is charged an amount corresponding to the value of the check. In exchange for the check being presented at the same banking machine that generated the check, the banking machine provides the user with cash dispensed from the automated banking machine.