Abstract: An automated banking machine (12) is operative to conduct transactions in response to HTML documents and TCP/IP messages exchanged with a local computer system (14) through an intranet (16), as well as in response to messages exchanged with foreign servers (20, 22, 24, 26, 28, 96) in a wide area network (18). The banking machine includes a computer (34) having an HTML document handling portion (76, 80, 82). The HTML document handling portion is operative to communicate through a proxy server (88), with a home HTTP server (90) in the intranet or the foreign servers in the wide area network. The computer further includes a device application portion (84) which interfaces with the HTML document handling portion and dispatches messages to operate devices (36) in the automated banking machine. The devices include a sheet dispenser mechanism (42) which dispenses currency as well as other transaction devices.

Abstract: An automated banking machine (12) is operative to conduct transactions in response to HTML documents and TCP/IP messages exchanged with a local computer system (14) through an intranet (16), as well as in response to messages exchanged with foreign servers (20, 22, 24, 26, 28, 96) in a wide area network (18). The banking machine includes a computer (34) having an HTML document handling portion (76, 80, 82). The HTML document handling portion is operative to communicate through a proxy server (88), with a home HTTP server (90) in the intranet or the foreign servers in the wide area network. The computer further includes a device application portion (84) which interfaces with the HTML document handling portion and dispatches messages to operate devices (36) in the automated banking machine. The devices include a sheet dispenser mechanism (42) which dispenses currency as well as other transaction devices.

Abstract: An automated banking machine (10) includes a user interface (15) and a cash dispensing mechanism (220). A fascia of the machine (12) includes a pair of horizontally disposed convex mirrors (338, 340) which enables viewing an area (343) behind the user of the machine. Sensors are operative to determine when a mirror requires cleaning and to cause the mirror to be cleaned either by actuating a cleaning device and/or by contacting a remote servicer. Lights may be selectively directed and illuminated to reduce the risk of observation of inputs to the machine by unauthorized persons.

Abstract: An anti-jam bezel is provided for dispensing a flexible substrate from an output slot. The output slot has a front portion for outputting the flexible substrate and a rear portion for receiving the flexible substrate from a transport. A guideway diverges away from the rear portion of the output slot toward the transport to provide a substrate receiving opening. When in use, the bezel body is mounted adjacent the transport with a cavity between the transport and the rear portion of the output slot. The guideway is adapted to catch a leading edge of the substrate exiting the transport, and guide the leading edge to the output slot. In the event the output slot is blocked, the guideway will guide at least a portion of the substrate into the cavity, thereby preventing a jam.

Abstract: An automated banking machine (12) is operative to conduct transactions in response to HTML documents and TCP/IP messages exchanged with a local computer system (14) through an intranet (16), as well as in response to messages exchanged with foreign servers (20, 22, 24, 26, 28, 96) in a wide area network (18). The banking machine includes a computer (34) having an HTML document handling portion (76, 80, 82). The HTML document handling portion is operative to communicate through a proxy server (88), with a home HTTP server (90) in the intranet or the foreign servers in the wide area network. The computer further includes a device application portion (84) which interfaces with the HTML document handling portion and dispatches messages to operate devices (36) in the automated banking machine. The devices include a sheet dispenser mechanism (42) which dispenses currency as well as other transaction devices.

Abstract: A point-of-transaction machine that allows global users to reach all aspects of their finances, from their brokerage account to their banks, mortgage accounts, credit card accounts and more. Unlike conventional ATMs where you can only reach your bank account(s), the initial screen when signed on will give the global user options on which account or accounts they want to transact business. This initial screen will satisfy the banking, mortgage, and security law requirements of most countries, including those of the United States and Canada where such companies are required to be independent. The point-of-transaction machine will collect fees for each transaction, similar to current ATM usage fee agreements and will allow certain users to complete transactions without fees.

Abstract: The present invention relates to an apparatus for inputting and outputting money, and to a method for identifying and collecting money that is input to this apparatus. Further, an apparatus for inputting and outputting money includes any type of apparatus, such as an automatic teller machine (ATM), a money exchange machine or an automatic vending machine, used for the input and the output of all types of currencies.

Abstract: A method and arrangement for processing negotiable instruments (20) such as banknotes or monetary payment forms in an automatic banking machine (10), having the features: Inserting the negotiable instruments (20) into an input compartment (18), setting a control criterion on the basis of the type of negotiable instruments (20) to be processed, transporting the negotiable instruments (20) one after the other from the input compartment (18) and through a negotiable instrument recording device (24, 26) into a temporary store (30); the nominal value of banknotes is stored in a value store, payment forms are depicted and the image data stored in an image store; depositing the negotiable instruments (20) from the temporary store (30) in at least one secure store (34, 36) after completion of a deposit operation.

Abstract: A self-service terminal (14) is described that has an improved user interface (34), particularly suitable for visually impaired users. The user interface comprises a plurality of user interface elements (38,40,42,44,46), a navigation area (50), and a plurality of tactile guides (52). Each guide (52) extends from the navigation area (50) to one of the user interface elements (38,40,42,44,46), so that a user can locate a user interface element using one of the tactile guides (52). A vibration mechanism (54) is also provided so that each of the guides (52) can be selectively vibrated, so that when a user interface element is to be used, a guide (52) extending from the user interface element to the navigation area (50) is vibrated by the vibration mechanism (54).

Abstract: The invention relates to a biologically degradable molding based on a starch-containing composite material and having at least two mold elements connected to one another by at least one connection element wherein the connection element extends substantially two-dimensionally and is connected at each of two mutually opposite end areas to a mold element, wherein the connection element comprises a first outer face and a second outer face, is made of a starch-containing and flexible composite material and is free of notch or fold depressions or cutouts.

Abstract: In order to eliminate charge on an outplane deformed paper money, a paper money handling device includes a paper money storing box for storing a conveyed paper money in the paper handling device, which has a storing mechanism for storing the paper money inside, and a storing guide provided on the storing mechanism has at least a flat part and a concavo-convex part, and a concave portion thereof includes a static eliminating part.

Abstract: A change management system including a change information input section for inputting change information about an amount of change as the balance of a payment, a change summing section for summing the individual amounts of change, a judgment section for discriminating whether or not the total amount of change reaches a predetermined amount, a notifying section for, if the result of the discrimination is positive, notifying the individual customer of such positive result; and a transfer transaction section for performing a transfer transaction of at least part of the total amount to an account of the customer. The change management system enables easy management of change as the balances of payments for transaction. Customers also use accumulated change transferred to their account with ease and are attracted in purchasing commodities or receiving service in stores with cash dispensers accustomed to the change management system.

Abstract: There is provided a method of dispensing telephone cards from automatic teller machines (ATM) and card constructions used therewith. Telephone time is apportioned to a number of sheetlets printed with random numbers which serve as a personal identification number (PIN). They are packaged in bricks and activated when installed in an ATM or when dispensed. The sheetlets are capable of being dispensed like currency and may contain the PIN on a removable zone.

Abstract: A note holding and dispensing device is provided which comprises a frame 16; a cassette 18 removably positioned in a cavity 112 of the frame 16; a transfer device 24 which comprises an extraction drive means 120 and a conveyer means 122 provided in the frame 16; and an electronic controller 46 for controlling operation of the extraction drive means 120 and conveyer means 122. The cassette 18 has a chamber 64 for receiving a plurality of notes 66 and an extracting device 232 for discharging the notes 66 from the chamber 64. The extraction drive means 120 operates the extracting device 232 in the cassette 18 to fetch the notes 66 from the cassette 18. The conveyer means 122 transports the notes 66 received from the cassette 18 to an outlet 20 through a passageway 22.

Abstract: There is provided a consumer transaction facility for performing a discharge of a medium including cash from a cover member in accordance with an operation of a customer. The consumer transaction facility is provided with a receiver having an operating button and a medium discharge control unit for discharging the medium from the cover member, and in a case where the medium is left at a lapse of a predetermined time, taking the medium into the cover member. The medium discharge control unit has time extension element for extending a time up to taking the discharged medium into the cover member in accordance with the operating button on said receiver after a discharge of the medium.

Abstract: An automated banking machine (10) identifies and stores documents such as currency bills deposited by a user. The machine then selectively recovers such documents from storage and dispenses them to other users. The machine includes a central transport (70) wherein documents deposited in a stack are unstacked, oriented and identified. Such documents are then routed to storage areas in recycling canisters (92, 94, 96, 98). When a user subsequently requests a dispense, documents stored in the storage areas are selectively picked therefrom and delivered to the user through an input/output area (50) of the machine.

Abstract: An automated transaction machine includes a sheet dispensing path verification system and method. The machine includes a sheet handling mechanism (17, 192) therein, including a sheet transport path (42). Devices for sensing and moving sheets are positioned adjacent to the transport path. The machine includes a control circuitry (44) which controls the various devices in response to inputs by customers. Upon receiving a transaction request from a customer which requires the dispensing of sheets, the machine verifies whether the sheet transport path to the customer is unobstructed. A test sheet is sent along the transport path to a delivery position. At least one sensor is used to verify whether the test sheet may successfully travel through the transport path. After verification that the transport path is unobstructed the sheet dispensing transaction is completed by moving further sheets to the delivery position.

Abstract: An automated banking machine (12) is operative to conduct transactions in response to HTML documents and TCP/IP messages exchanged with a local computer system (14) through an intranet (16), as well as in response to messages exchanged with foreign servers (20, 22, 24, 26, 28, 96) in a wide area network (18). The banking machine includes a computer (34) having an HTML document handling portion (76, 80, 82). The HTML document handling portion is operative to communicate through a proxy server (88), with a home HTTP server (90) in the intranet or the foreign servers in the wide area network. The computer further includes a device application portion (84) which interfaces with the HTML document handling portion and dispatches messages to operate devices (36) in the automated banking machine. The devices include a sheet dispenser mechanism (42) which dispenses currency as well as other transaction devices.

Abstract: A note holding and dispensing device is provided which comprises a frame 16; a cassette 18 removably positioned in a cavity 112 of the frame 16; a transfer device 24 which comprises an extraction drive means 120 and a conveyer means 122 provided in the frame 16; and an electronic controller 46 for controlling operation of the extraction drive means 120 and conveyer means 122. The cassette 18 has a chamber 64 for receiving a plurality of notes 66 and an extracting device 232 for discharging the notes 66 from the chamber 64. The extraction drive means 120 operates the extracting device 232 in the cassette 18 to fetch the notes 66 from the cassette 18. The conveyer means 122 transports the notes 66 received from the cassette 18 to an outlet 20 through a passageway 22.

Abstract: A cash dispensing mechanism of an automated teller machine (ATM) includes a safe inside which are housed first and second units. The first unit includes currency cassettes and an associated pick mechanism. Bills are transported from the pick mechanism to a bill validator included in the first unit. If a bill is rejected then a divert gate directs the bill into a purge bin also included in the first unit. The second unit is mounted on the first unit with one of two possible orientations depending on whether the cash dispensing mechanism has a front loading or a rear loading configuration. Bills accepted by the validator are transported upwardly out of the first unit and into the second unit via a single transfer station, regardless of whether the cash dispensing mechanism has a front or rear loading configuration. The second unit transports bills received from the first unit to a bill dispensing port of the safe.

Abstract: An unattended system, such as a self-service terminal or an automated teller machine, includes a memory unit which stores a number of application programs, and a register unit which stores a number of signatures associated with the application programs. The system further includes a processing unit which obtains a signature associated with a particular application program, compares the signature with the signatures stored in the register unit, and authenticates the application program only when the signature matches at least one of the signatures stored in the register unit.

Abstract: A cash dispensing mechanism of an automated teller machine (ATM) includes a safe inside which are housed first and second units. The first unit includes currency cassettes and an associated pick mechanism. Bills are transported from the pick mechanism to a bill validator included in the first unit. If a bill is rejected then a divert gate directs it into a purge bin also included in the first unit. The second unit is mounted on the first unit with a selected orientation relative to said first unit dependent on whether the cash dispensing mechanism has a front loading or a rear loading configuration. Bills accepted by the validator are transported upwardly out of the first unit and into the second unit via a single transfer station, regardless of whether the cash dispensing mechanism has a front or rear loading configuration. The second unit stacks bills received from the first unit into a bunch and transports the bunch to a bill dispensing port of the safe.

Abstract: An automated banking machine (10) identifies and stores documents such as currency bills deposited by a user. The machine then selectively recovers such documents from storage areas and dispenses them to other users. The machine includes a central transport (70) in which documents which are deposited are oriented and identified. Such documents are then routed to storage areas in recycling canisters (92, 94, 96, 98) when a user subsequently requests a dispense of documents. Documents are selectively picked from the storage areas and delivered to the customer. Media gates (116, 118, 120, 122) are used to selectively direct documents between remote transport segments (108, 110, 112, 114) and canister delivery transports (124, 126, 128, 130). The media gates operate by selectively directing documents through an intersection (421) in engagement with transversely offset belt flights (396, 422).

Abstract: A belt (28) is moved into contact with a sheet (70) to be fed from the stack (18) under the control of a solenoid (48), which when energized causes pivoting of a crank mechanism (42) and an pulley (26) which supports the belt (28). The belt (28) frictionally engages the sheet (70) as to separate it from the stack (18) and move it into engagement with feed rollers (56) of a transport mechanism. The belt (28) is then retracted from the sheet (70) which is moved away from the stack (18) by the feed rollers (56). After a predetermined time period, the belt (28) is moved into contact with the next sheet of the stack (18) to be fed and the process is repeated until the desired number of sheets have been fed from the stack (18). The belt (28) is driven so that it rotates continuously during the pick operation and is brought to rest on retraction of the belt (28) after the final sheet has been picked from the stack (18).

Abstract: An integrated financial system that includes a single customer account that permits a customer to perform various financial transactions. The account includes at least banking components and brokerage components. A consistent user interface means is provided to allow a customer to access the account from a different sources including at least an automatic teller machine, a phone and a personal teller transaction. The account is flexible enough to include a variety of other components such as a credit card component, a line of credit component, a secured credit component and a money market component. A system and method for opening a single integrated account for a customer in a single session is also described.

Abstract: An automated teller machine includes a measuring degree (38) to measure the cross-sectional area in the direction of the travel of a bundle of currency notes as it travels to the currency dispense slot (18), and also as it travels from the dispense slot to the purge bin (30) on retraction after a pre-determined time interval. Comparison of the two values indicates whether one or more notes have been removed by a user before the bundle is retracted.

Abstract: A currency storage and dispensing apparatus (20) includes a top member (22) defining an upper interior cavity (34), a bottom member (36) defining a lower interior cavity (48), and a slider (64). The top member and the bottom member can be connected to define a storage cavity (49) for the secure storage of a quantity of currency (58). A display notch (80) is formed through a corner of the top member allowing a corner of the currency stored within the apparatus to be exposed. An angled dispensing slot (82) is formed through the upper wall of the top member and intersects with the display notch such that single currency bills can be dispensed through the slot. A currency storage drawer (100) is also provided in which a plurality of bill dispensing units (102) can be secured by a rod (106).

Abstract: A device for depositing and withdrawing banknotes, in which the banknotes are conducted in a closed circuit between deposition and withdrawal is provided which includes an extractable drawer for the sorted reception of banknotes and extractable drawer for the sorted reception of banknotes and for various banknotes in different shafts, from which the respective banknotes can be drawn off mechanically. The device also includes a drawer having an openable bottom and at least one open or openable longitudinal side wall, via which a manipulator can be moved into the respective position in correspondence with the reception bins for individual banknotes. By displacement in the vertical or horizontal direction, the manipulator is able to grasp banknotes and deposit the same in a shaft arranged therebelow, wherein upon reopening of the drawer, only empty reception bins are released, the banknotes having been safely deposited in a safe.

Abstract: The present invention is an automatic banking system including a cash dispenser and a rolled coin dispenser in a single apparatus. The rolled coin dispensing apparatus includes a rotatable dispensing wheel that holds coin rolls, a rotary drive mechanism for rotating the dispensing wheel to a dispense position, and an ejecting mechanism for ejecting a predetermined number of coin rolls from the dispensing wheel. The dispensing wheel has outer and inner wheel structures that support divider members which receive rolled coin cassettes therebetween. The ejecting mechanism includes pusher arms arranged exteriorly of each dispensing wheel and ejector bars, fixed to each arm, that are located interiorly of the outer wheel structure to be pushed into a cassette disposed at the dispense position to obtain coin rolls therefrom. The ejector bars and cassette located at the dispense position are arranged nonradially with respect to the axial center of their cassette wheel.

Abstract: There is provided a method of dispensing telephone cards from automatic teller machines (ATM) and card constructions used therewith. Telephone time is apportioned to a number of sheetlets printed with random numbers which serve as a personal identification number (PIN). They are packaged in bricks and activated when installed in an ATM or when dispensed. The sheetlets are capable of being dispensed like currency and may contain the PIN on a removable zone.

Abstract: The invention relates to a cash dispensing apparatus having a purge bin (84) into which bank notes (24) may be deposited as a result of an irregularity in the picking or transportation of the notes or as a result of a user failing to remove all of the notes. The invention is characterized by depositing a separating sheet (25) in the purge bin (84) subsequent to each purge operation for the purpose of separating the bank note or notes (24) deposited in the purge bin (84) in one purge operation from the note or notes (24) deposited in the purge bin (84) in the next purge operation.

Abstract: Each of multiple cash cassettes is provided with a light-emission type push-button switch capable of indicating the operation state of the cash cassette and the need to exchange the cash cassette. By depressing the push-button switch, the associated cash cassette is separated from the cash transaction operation under the control of a CPU. When a customer is in front of a transaction apparatus or while a cash transaction is being carried out, a lamp of the push-button switch associated with the cash cassette, from which banknotes may be taken out in a subsequent dispensing operation, is flickered at a cycle of 1 second. When banknotes are replenished in the cash cassette, the banknotes can be replenished without suspending the operation of the apparatus, and the operation efficiency and operability of the apparatus can be enhanced.

Abstract: A cash pocket for an automatic teller machine (ATM) comprises a housing having a rear wall with a slot for receiving banknotes from the dispensing mechanism of the ATM into the housing, and a base upon which the dispensed banknotes come to lie upon being dispensed into the housing. The housing also has a front panel having an opening for the withdrawal of notes by a user of the ATM, the opening having a door which pivots about an axis substantially parallel to the longitudinal axis of the slot from a first position in which the front opening is closed to a second position in which the front opening is open for the withdrawal of dispensed banknotes. The door includes a pair of flanges which block access to the slot from the front opening when the door is open or partially open.

Abstract: It is judged whether or not a bill, inserted from a bill inlet, is genuine, and then the bill is passed to a bill stacking position through a bill passage only when it is judged that the bill is genuine. The bill is pushed into an accumulating box by rotating an eccentric cam of a stacker unit at the bill stacking position when the a shutter switch becomes on after the bill passes a shutter plate and a pull out preventing lever. The eccentric cam is held at a top dead center. A bill pull out preventing apparatus includes a pull out preventing lever having a distal end portion. The distal end portion is curved to define a hook groove. The lever is arranged so that the distal end portion is directed away from the insert slot. The lever is spring biased to swing about a pivot to block the bill passage.