Abstract: An automated banking machine operates responsive to data read from data bearing records corresponding to authorized user or financial account data. The automated banking machine includes a card reader for reading data from user cards. The 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 transaction function devices such as the card reader to avoid exceeding power supply capacity.

Abstract: In an example embodiment, an automated banking machine that is operable to detect signals corresponding to a plurality of service activities carried out on a transaction function device. Data representative of the plurality of service activities is stored in the transaction function device's data store.

Abstract: An automated banking machine (10) is operative to carry out financial transactions and includes a user interface (15). The user interface includes a card reader (16) which is operative to read data on user cards which identify 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. Alternatively, movable panels (462, 464) are movable to prevent unauthorized viewing of confidential inputs. Alternatively a keypad cover is selectively collapsible to prevent digit access. A visual indicator is operative to indicate to a user that keypad inputs are being encrypted. Disinfecting techniques may be used to disinfect manual contact surfaces of the machine.

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.

Abstract: An apparatus operates to cause financial transfers responsive to data read from data bearing records. The apparatus includes a card reader that is operative to read card data from a user card. At least one computer in operative connection with the card reader is operative to cause a determination to be made that the read card data corresponds to an authorized financial account. The at least one computer is operative to cause a financial transfer to or from the account responsive to the determination and user inputs to at least one input device of the machine. The automated banking machine includes a housing. The housing is at least partially surrounded by an enclosure that operates to protect the housing and machine from environmental conditions.

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: A card actuated automated banking machine (10) is operative to early out financial transactions responsive to data included on user cards. The banking 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. Alternatively a touch screen display module (608) is operative to securely receive manual inputs and/or card data.

Abstract: A banking system machine is controlled responsive to data read from data bearing records. The machine includes a card reader, a keypad, a cash dispenser, a cash outlet, a deposit accepting opening, and other transaction locations that may be susceptible to the installation of fraud devices. An anti-fraud sensing system is associated with the machine to sense the probable installation of unauthorized devices on the machine. Such unauthorized devices may include fraudulent card reading devices, fraudulent keypad input intercepting devices, cash outlet trap devices, and deposit input diversion devices.

Abstract: A banking system comprises automated banking machines which include a card reader, check imaging device, and cash dispenser. Each system machine can cash a code-correlated check in exchange for receiving both the check and the code assigned to the check, without requiring any user identifying input through the machine's user input devices as a condition for cashing the check. The system allows a potential recipient of a personal check to call in a given code to a system computer, which can verify whether the check is backed by funds reserved for the check amount and whether the check can be anonymously cashed. From the call the system computer can obtain the mobile phone's GPS location to determine the system machine nearest to the phone. When informing the phone user that a check is as good as cash, the system computer can also provide directions to that nearest system machine.

Abstract: An automated banking machine operates to cause financial transfers responsive to data read from data bearing records in the form of user cards. The machine includes a printer for printing paper records of transactions conducted at the machine. The printer receives paper from a shared paper path. The shared paper path can be supplied by a first paper supply and a second paper supply. A controller is operative to switch between the paper supplies in providing paper to the printer. Based on signals received from paper sensors in the machine, the controller can determine whether the first paper supply has reached a predetermined low level. In response to a low level determination, the controller acts to cause a paper drive to begin moving paper from the second paper supply to the shared paper path and then to the printer.

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 card data is usable by the machine to authorize a user to carry out a financial transfer involving the account.

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 can cause financial transfers responsive to data read from data bearing records. The machine includes a card reader that can read from user cards, card 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 users a transaction receipt. The machine includes a cash dispenser that can dispense cash to machine users. Value of dispensed cash can be assessed to an account which corresponds to the read card data. The machine also includes an accepting device that can receive currency bills and/or checks from users. An account that corresponds to the read card data can be credited for the value of received bills and/or checks.

Abstract: In an example embodiment, a router that is configured to pass a pneumatic carrier therethrough and comprises a solid continuous curved tube, a tube rotational support, and a drive. The tube includes a first open end and a second open end opposed of the first open end. The tube rotational support is in operative supporting connection with the tube and enables the tube to rotate about an axis. The first open end is generally aligned with the first opening. In a first rotational position of the tube, the second open end is generally aligned with a first of the plurality of second openings. In a second rotational position of the tube, the second open end is generally aligned with a second of the plurality of second openings. The drive is operative to cause the tube to move between the first and second rotational positions.

Abstract: An automated banking machine is operable to cause financial transfers responsive to data read from data bearing records, such as user cards. The machine includes a reader device operative to read data usable to identify a financial account authorized for use in conducting a transaction through the machine. An authorized machine user can use the machine to perform financial transactions, including dispensing cash and making deposits. The machine can receive a deposit in the form of a stack of sheets that includes both currency notes and checks. The machine includes a check/cash discriminator module that includes a magnetic read head, an imager, sensors, and at least one validation device. The module can determine whether the type of sheet removed from a received stack corresponds to a currency note or to a financial check. The module can then analyze the sheet for validity according to its determined sheet type.

Abstract: In an example embodiment, an automated banking machine is provided which may comprise a trusted platform (TP) including a trusted platform module (TPM) in a computer of the machine. Through use of the TP, the machine may perform cryptographic functions for use in enabling the machine to perform transaction functions for users. The machine may be operative to use the TP to securely store secret keys, or other critical information in sealed storage on a data store of the machine. The TP may also be used to measure, attest, and verify transaction function devices, hardware devices, firmware, software, and/or other components of the machine prior to enabling the machine to function in an enabled mode. The TP may also be used to establish secure communication between components of the machine. The TP may also be used to perform key transfers between the machine and a host banking system.

Abstract: A deposit management system is operable responsive to data included on data bearing records. The system is associated with a plurality of financial funds depositories. Each depository can accept deposit items, such as deposit bags. Each depository includes a bar code reader that can read data from a bar code label that is located on a deposit bag. The system allows merchants to preregister a deposit before performing the deposit. A preregistered deposit is linked with a deposit identifier in a data store. The deposit identifier can be represented in a bar code. If the system determines that a bar code reader of a respective depository read a deposit identifier which corresponds in the data store to a preregistered deposit, then the respective depository is operated to automatically unlock its deposit entry door. The system also allows merchants to review their deposit history.

Abstract: A banking system machine is controlled responsive to data read from data bearing records. The machine includes a card reader, a keypad, a cash dispenser, a cash outlet, a deposit accepting opening, and other transaction locations that may be susceptible to the installation of fraudulent devices adjacent thereto. Such unauthorized devices may include for example, a fraudulent card reading device, a fraudulent keypad input intercepting device, a cash outlet trap device, a deposit input diversion device, or other illegitimate devices. The machine includes an anti-fraud arrangement that is operative to deter the attachment of unauthorized devices to the machine. The arrangement can sense and/or dislodge an unauthorized device attached to the machine. The arrangement also allows for the machine's card slot bezel to be frequently exchanged for a differently contoured card slot bezel.

Abstract: A banking system machine is controlled responsive to data read from data bearing records. The machine includes a card reader, a keypad, a cash dispenser, a cash outlet, a deposit accepting opening, and other transaction locations that may be susceptible to the installation of fraud devices. An anti-fraud sensing system is associated with the machine to sense the probable installation of unauthorized devices on the machine. Such unauthorized devices may include fraudulent card reading devices, fraudulent keypad input intercepting devices, cash outlet trap devices, and deposit input diversion devices.

Abstract: An automated banking machine is operative to cause financial transfers responsive at least in part to data read from data bearing records. The automated banking machine includes a card reader that is operative to read card data from user cards corresponding to financial accounts. The automated banking machine is operative to cause a determination to be made that read card data corresponds to stored data for an account authorized to carry out transactions that transfer and/or allocate funds between accounts. The automated banking machine is further operative to provide users with a receipt for transactions conducted. The automated banking machine is operative to cause the value of cash dispensed or received to be assessed or credited to the financial accounts corresponding to card data.