Abstract: A speedy and efficient checkout process at a checkout counter in a store is realized by a deposit machine that receives deposited money from a customer and issues a pre-deposit receipt with which a pre-deposit amount is associated, and a POS register that scans a barcode of a commodity to calculate a checkout amount and reads a pre-deposit receipt to specify a pre-deposit amount. The POS register performs a checkout process for the checkout amount by using the pre-deposit amount, calculates, as change, a difference between the pre-deposit amount and the checkout amount, and causes a change machine to dispense money corresponding to the change.

Abstract: A deposit management system is operable responsive to data read from data bearing records. The system is associated with financial funds depositories. Each depository can accept 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 depository read a bar code having a deposit identifier that corresponds in the data store to a preregistered deposit, then that depository is operated to automatically unlock its deposit entry door to permit the deposit. The system also allows merchants to review their deposit history.

Abstract: An apparatus including an automated banking machine is operative to cause financial transfers responsive at least in part to data read from data bearing records. The machine includes a card reader that is operative to read card data usable to identify at least one of a user of the machine and a financial account. A computer associated with the machine is operative to cause card data to be read through operation of the card reader, and to cause a determination to be made that read card data corresponds to a financial account authorized to conduct a transaction through the machine. The computer is operative responsive at least in part to the determination to cause the financial account to be at least one of assessed and credited with a value associated with a financial transaction. Transaction function devices of the machine are supported through slides that can be configured in different ways to facilitate mounting of devices within the machine.

Abstract: The invention relates to a device (10) for handling notes of value, comprising a first transport path (12), a second transport path (14) and at least one third transport path (16), wherein the notes of value can be transported along each transport path (12, 14, 16). Further, the device (10) has a switch (18) via which the three transport paths (12 to 16) can be connected to each other and with the aid of which the notes of value can be derouted from one of the transport paths (12 to 16) in another one. At least one transport element (26 to 30) is assigned to each of the transport paths (12 to 16) with the aid of which the notes of value can be supplied from the switch (18) to the respective transport path (12 to 16) or vice versa from the respective transport path (12 to 16) to the switch (18).

Abstract: An apparatus including an automated banking machine is operative to cause financial transfers responsive at least in part to data read from data bearing records. The machine includes a card reader that is operative to read card data usable to identify at least one of a user of the machine and a financial account. A computer associated with the machine is operative to cause card data to be read through operation of the card reader, and to cause a determination to be made that read card data corresponds to a financial account authorized to conduct a transaction through the machine. The computer is operative responsive at least in part to the determination to cause the financial account to be at least one of assessed and credited with a value associated with a financial transaction.

Abstract: A method for accepting and/or dispensing/returning bank notes wherein bank notes to be accepted or dispensed/returned are transported from or to an input and dispensing position to or from a processing position. At least an input velocity for the bank notes is ascertained upon an input of bank notes to be accepted, or at least a withdrawal velocity for the bank notes upon the dispensing/return of bank notes to be dispensed/returned is ascertained, and the bank notes to be accepted are transported at a transport velocity corresponding substantially to the input velocity or withdrawal velocity, whereas the bank notes to be dispensed/returned are transported at a transport velocity corresponding substantially to the withdrawal velocity or input velocity.

Abstract: The present invention relates to a medium transfer apparatus for an automated teller machine, wherein a portion of medium transfer apparatus is opened and shut by a simple operation, thereby conveniently and quickly solving the problem of jams occurring when the medium transfer apparatus transfers a paper medium.

Abstract: Provided is a cash transaction machine including: a medium storage portion; a medium transfer module transferring a paper medium in a sheet unit from the medium storage portion; a temporary stack portion including an upwardly and downwardly movable supporter being provided to be adjacent to an outlet of the medium transfer module to stack the paper medium; a carriage receiving the paper medium from the supporter; and a carriage transfer portion transferring the carriage to a medium outlet in a state where stacked paper media is pressed, wherein the carriage includes a holder being provided in parallel with a moving direction of the carriage to support a bottom surface of the stacked paper media. The cash transaction machine may be constructed to enable a stack of paper media to maintain its arranged state while the paper media is being transferred and to simplify a transferring structure of paper media.

Abstract: An equipment (43) for storing in an orderly way banknotes (52) and/or papers and the like, for instance banknotes (52) for an automatic machine (39), provided for the formation of a stack (53). The equipment (43) comprises two spiral elements (81; 82) defining coils with respective axes (83; 84) directed in the sense of the stacking and terminal sections (86) adjacent to a stacking surface (77) at an end of the stack. The spiral elements (81; 82) are rotatable around the axes (83; 84) and are arranged for laterally receiving between the coils a leading portion of the entering banknote (52), moving the banknote (52), through the coils and in consequence of the rotation, on the stacking surface (77), and disengaging the banknote from the coils adjacent to the terminal section (86).

Abstract: A system for sensing coded records and structures for sensing coded records are used to sense sheets including notes and checks. The system includes at least one movable sheet supporting plate member in an automated banking machine. An angular reflective piece operatively connected with the plate member enables sensing sheets using radiation from transversely positioned sensors. The automated banking 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 a user of the machine. Sheets determined to have at least one property of genuine sheets are processed and stored in the machine.

Abstract: An automated banking machine system and method includes ATMs which accept checks and dispense cash to users. The ATMs are operated to acquire image and magnetic data from deposited checks to determine the genuineness of checks and the authority of a user to receive cash for such checks. Cash may be dispensed to the user from the ATM in exchange for the deposited check. The ATMs are also operated to read particular data from deposited currency bills in order to determine counterfeit bills. The ATMs dispense cash responsive to communications with a transaction host.

Abstract: A bill depositing/withdrawing apparatus having a cash slot for charging/discharging a bill or bills, comprises: a bill storage section provided inwardly of the cash slot in the apparatus to store a bill or bills, and posture changing means that changes the bill storage section to a money depositing/withdrawing posture, in which a bill or bills are received from and paid to a user through the cash slot, and to a feeding/stacking posture, in which a bill or bills are fed into the apparatus and stacked in the bill storage section, and wherein a bill or bills stored in the bill storage section are caused to project toward a user when the money depositing/withdrawing posture is assumed.

Abstract: A banknote receipt and payout apparatus including: a receipt and pay-out opening for carrying out either or both of payout and stacking of charged banknotes: a banknote determining part for determining denominations of banknotes, a plurality of banknote storage and discharge bins arranged to store therein and discharge therefrom, different denominations of banknotes, respectively, a transfer path connecting among the receipt and payout opening, the banknote determining part, the banknote storage and discharge bins and a receipt bin, for transferring the banknotes, and a loading and collecting bin arranged to load and collect the banknotes into and from the banknotes storage and discharge bin, for accommodating therein different denominations of banknotes, wherein the banknotes are stacked in the storage and discharge bins in a vertical direction, and are stacked in a horizontal direction in the receipt bin and the loading and colleting bin with a standing posture.

Abstract: Provided is a banknote receipt and payout apparatus which handles several denominations, having a banknote loading and collecting function, and which is capable of handling several denominations. A banknote receipt and payout apparatus comprising a receipt and payout opening for paying out banknotes introduced thereinto by a user, and for stacking therein banknotes to be delivered to a user, a banknote checking part for checking banknotes, a banknote storage and discharge bin for carrying one or both of storing and discharging of banknote notes, a loading and collecting bin 8 for loading and collecting banknotes, and a transfer path for transferring banknotes, wherein the banknote storage and discharge bin is of a vertical type in which banknotes are stacked in a horizontal posture, and the loading and collecting bin is of a horizontal type in which banknotes are stacked in a standing posture.

Abstract: An automated banking machine that is activated responsive to data read from user cards which accepts checks and dispense cash to users. The automatic banking machine is operated to acquire image and magnetic data from deposited checks to determine the genuineness of checks and the authority of a user to receive cash for such checks. Cash may be dispensed to the user from the automatic banking machine in exchange for a deposited check. The automatic banking machine dispenses cash responsive to communications with a transaction host.

Abstract: An automated transaction machine (20) with a cross-vender software and hardware platform architecture. The machine includes a computer (22) and a plurality of transaction function devices (32) in operative connection with the computer. The machine further includes a plurality of device driver components (38) that generally correspond to each of the transaction function devices. The device drivers are operative responsive to communication from an XFS layer (28) to control the operation of the transaction function devices. The machine further includes a terminal application (22) and an ODS layer (26). The ODS layer includes a plurality of ODS components (36) that generally correspond to the device drivers and/or transaction function devices. The ODS components responsive to the terminal application are operative to have the device drivers control the operation of the transaction function devices through communication with the XFS layer.

Abstract: An automated banking machine system and method includes ATMs which accept checks and dispense cash to users. The ATMs are operated to acquire image and magnetic data from deposited checks to determine the authority of a user to receive cash for such checks. The authority of the user is determined based on the user being associated in a data store with the maker of the check. The check cannot exceed certain programmed thresholds or be presented earlier than the expiration of a delay period from when a prior check from the same maker is presented. In exchange for acceptable checks cash is dispensed to the user from the ATM in exchange for the deposited check.

Abstract: An automated banking machine system and method includes ATMs which accept checks and dispense cash to users. The ATMs are operated to acquire image and magnetic data from deposited checks to determine the genuineness of checks and the authority of a user to receive cash for such checks. Cash may be dispensed to the user from the ATM in exchange for the deposited check. The ATMs dispense cash responsive to communications with a transaction host.

Abstract: An automated banking machine system and method includes ATMs which accept checks and dispense cash to users. The ATMs are operated to acquire image and magnetic data from deposited checks to determine the genuineness of checks and the authority of a user to receive cash for such checks. Cash may be dispensed to the user from the ATM in exchange for the deposited check. The ATMs dispense cash responsive to communications with a transaction host.

Abstract: An automated banking machine (10) includes a user interface (15). The user interface includes a card reader (16), receipt printer opening (30), cash dispensing opening (38) and deposit accepting opening (40). A stack of notes (84) input to the machine are separated one by one from the stack through the action of at least one picking member (158, 352) and at least one stripper member (64, 162, 354). The actions of non-contact stripper rolls and a contact stripper roll are generally effective to only enable a single note to move past the stripper members. Upon sensing that multiple notes have moved past the stripper members with a sensor (176, 366) the system is operative to return notes to the stack for subsequent picking trials. In some cases the stripper members may be driven so as to move notes engaged therewith relative to a note engaged with the stripper member so as to reorient the notes and facilitate note separation in subsequent picking events.

Abstract: A banknote dispenser is constructed to include a housing adapted to hold banknotes in a stack for dispensing, a power module, a transferring wheel set driven by the power module to spread a stack of banknotes into a stepped stack of banknotes and then to dispense banknotes individually by a respective push block being rotated with a respective wheel of the transferring wheel set, an output wheel set adapted to transfer banknotes individually from the transferring wheel set to a banknote outlet, and a sensor adapted to control the operation of the power module subject to the presence of banknotes in the housing.

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: A banknote receipt and pay-out apparatus of a recirculation type for using received banknotes as those to be paid out, which can maintain the alignment of banknotes in a receipt and pay-out box in order when the latter is installed on the banknote receipt and pay-out apparatus which can deal with banknotes having different sizes, or when the receipt and pay-out box in which the banknotes are set is transported. That is, the banknote receipt and pay-out apparatus incorporating a receipt and pay-out box for replenishing the apparatus with banknotes, recovering banknotes therefrom, and storing banknotes in a standing posture, the receipt and pay-out box comprising an alignment mechanism for holding the banknotes aligned in order around the widthwise center thereof when the banknote receipt and pay-out box is not installed on the banknote pay-out apparatus.

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 paper feed assembly is disclosed whereby a single driver is used to both engage a paper to be acted on, move or feed the paper to a pre-determined area, and then retract so that the paper may be acted on. The paper feed assembly according to the present invention comprises a motor, a cage, a gear train, and a roller arm. The paper feed assembly being design to permit the motor to rotate in a first and a second rotation and to engage or retract from the paper in response to the first or the second rotation.

Abstract: Disclosed is an automatic teller machine (ATM) including a clutch device for selectively supplying power to a pick-up roller for extracting banknotes from a banknote storage cassette located within the ATM. The clutch device includes a driving gear rotatably mounted to the frame for receiving the rotational driving force from the drive motor to rotate the plurality of driving rollers, an idle gear engaged with the driving gear for rotating in response the rotational movement of the driving gear, a pick-up roller gear fixedly mounted on a rotating shaft of the pick-up roller and engaged with the idle gear for rotating the pick-up roller and, and a motor control means adapted to allow the idle gear to be engaged with or disengaged from the pick-up roller.

Abstract: A coin handling device comprises a hopper and an escalator for receiving coins from the hopper. The escalator is connected to the hopper and extends upwardly from the hopper. At least a portion of the escalator is downwardly foldable toward the hopper to reduce an overall height of the coin handling device. The reduced height facilitates removal of the coin handling device from a gaming machine cabinet and installation of the coin handling device into the cabinet in the event the cabinet provides minimal clearance.

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 dispensing apparatus for thin flat articles, such as monetary currency bills, includes a plenum chamber having an aperture of a size smaller than the articles to be dispensed. A suction device is connected to the plenum chamber to provide sufficient negative pressure to adhere an article to the aperture. A contact member, such as an endless belt, is mounted for movement across the aperture to drive the article adhering to the aperture for release from the stack of articles. The stack of articles can be stored in a storage tray and biased towards the plenum chamber aperture. A series of spacer members can relieve part of the bias pressure. The released articles can be counted and stored in a storage chamber until a predetermined number of articles are accumulated. Subsequently, the passageway from the storage chamber to a dispenser tray can be opened and the articles ejected to the user.

Abstract: An automated banking machine (10) identifies and stores documents such as currency bills deposited by a user. The machine then selectively recovers 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. The control system (30) for the machine includes a terminal processor (548). Identification devices identify the type and character of a document, and distinguish genuine documents, such as genuine currency bills, from unidentifiable or suspect documents.

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: 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: A sheet dispensing apparatus includes at least one pair of sheet stores, and a transport system for transporting sheets from the stores to a dispense position. The transport system includes, for each pair of sheet stores, a common feed member which, upon relative movement between the common feed member and the stores, can be moved between a pair of feed positions in each of which it engages a sheet in a respective one of the pair of stores so as to enable sheet(s) to be withdrawn from the corresponding store. The common feed member is able to take up also a neutral position in which, even if actuated, no sheets are fed from either store.

Abstract: A belt displacement operation is periodically carried by the pick mechanism 11 of a sheet feeding apparatus, when the number of sheets fed has reaches a predetermined value. The motor 34 is driven in reverse for a predetermined time, so as to cause rotation of the belt 28 in the opposite direction to that during feeding. Since the pick pulley 26 is supported on the shaft 38 by means of a one-way clutch 40 so that it does not rotate during the reverse rotation of the belt 28, displacement of the belt 28 occurs relative to the pick pulley 26, so that in subsequent pick operations, a different portion of the belt 28 engages the stack 18 so as to pick a sheet, than had displacement of the belt 28 not occurred. This reduces the risk of localized portions of the belt 28 becoming more worn than others, due to more frequent engagement with the stack 18.

Abstract: When sheets are taken into a machine or discharged from the machine, characteristics of these sheets such as letters or symbols of these sheets are read by a sheet characteristics reading unit. A result of reading the characteristics is stored in a storage unit. When characteristics of a sheet are not able to be read at the time of accommodating sheets, this sheet is returned and only sheets of which characteristics have been able to be read are taken into the machine. Sheets of which characteristics are not able to be read at the time of discharging sheets are specified by a unit for specifying sheets of which characteristics can not be read. By this arrangement, each sheet in the machine is always managed.

Abstract: A memory processing apparatus according to the present invention includes a function for feeding money one by one, a function for discriminating denominations of the money received from the feeding function, a function for storing the money for each of the denominations discriminated by the discriminating function, a function for producing present time and date, setting predetermined time and date, and outputting a signal when the present time and date coincide with the predetermined time and date respectively, and a function for removing the money from the storing function in response to the signal output from the producing function and forming a bundle of a predetermined number of money.

Abstract: A sheet handling apparatus includes transport mechanism (40, 42) for feeding a stack of sheets, such as currency notes, from a position in which the stack is accessible to a user of the apparatus into a secure container. A stack banding device (138) is arranged to form a band around the stack during feeding of the stack from the accessible position into the container. The band comprises two self-adhesive labels which are respectively peeled off two carrier strips (166) wound around two spools (168) included in the stack banding device (138). A printer is arranged to print stack identification data on each band. The stack banding device (138) may be used in an ATM for identifying a stack of currency notes which a customer has failed to collect at an exit port of the ATM and which has been fed into a rejected note container.

Abstract: A novel apparatus for handling sheets of paper is disclosed, in which a plurality of transaction medium processing sections are provided as corresponding to a plurality of transaction ports operated by the customer or the teller. When transactions are proceeeding simultaneously at the transaction ports, the operations of the transaction medium processing sections are controlled at the same time. Also, the operations of a plurality of carriers disposed between the transaction ports and a counter and between the counter and an accommodation section for transporting sheets of paper are controlled at a time independently of each other, thereby saving the transaction time. Simultaneous transactions conducted at the transaction ports in this configuration makes it possible to shorten the time of processing each transaction.

Abstract: In a method of and an apparatus for transferring supplementary paper money in an automatic teller machine that includes a paper-money processing mechanism that has a plurality of transport routes formed among the paper-money that provide a path between a plurality of paper-money containers, a cassette storing a supplementary money supply and a paper-money discriminator part for transporting paper money. A plurality of changeover gates are provided at the forks of the transport routes for changing the destination of paper money, and a control part for controlling the transportation routes and the changeover gates. The method and apparatus optimize the transfer of supplementary paper-money, and a control part for controlling the transport routes and the changeover gates. The method and apparatus optimize the transfer of supplementary paper-money by checking for times in which the paper-money processing mechanism, especially the transport routes, are not in use.

Abstract: A method and personal banking machine is described by which two items such as cash and statement can be issued simultaneously through one and the same gate. The optimum point in time is determined and adaptively controlled by which the front edge of statement touches the bundle of bank notes during issuing movement of the bank notes. Then both, bank notes and statement, are moved together to their respective end positions. The method and the machine starts the statement transport after a certain monitored delay time (DELTA-STATEMENT). By calculating out of the time difference between the point in time at which the bank notes reach the end position and the statement reaches its end position, a new time delay (DELTA-STATEMENT) is calculated for the next combined cash and statement issue operation. The method provides for the simultaneous issuance of bank notes and a statement through a common exit gate.