Abstract: Check processing involves scanning a back of a check having no authorization data printed thereon and also scanning a front of the check having preprinted magnetic ink characters, electronically generating authorization data indicating that the check is valid based on a response from an external analysis source, generating an electronic merged image by electronically combining back image data captured during the scanning of the back of the check with generated authorization data, and storing the electronic merged image with the front image data captured during the scanning of the front of the check. Moreover, these operations may be performed in a single pass of the check in one direction through a transportation path of a check processing apparatus. No printing of any data is required. The check processing can be embodied in a method, apparatus, or instructions embodied on a machine-readable medium.

Abstract: Check processing involves scanning a back of a check having no authorization data printed thereon and also scanning a front of the check having preprinted magnetic ink characters, electronically generating authorization data indicating that processing payment of the check has been completed and the check is valid based on a reading of the magnetic characters and a response from an external analysis source, generating an electronic merged image by electronically combining back image data captured during the scanning of the back of the check with generated authorization data, and storing the electronic merged image with the front image data captured during the scanning of the front of the check. Moreover, these operations are performed in a single pass of the check in one direction through a transportation path of a check processing apparatus. No printing of any data is required. The check processing can be embodied in a method, apparatus, or instructions embodied on a machine-readable medium.

Abstract: A system and method is provided for an ATM having a display, a logic server coupled to the display, and a memory coupled to the logic server. The logic server dynamically controls the functions available to the users including messages and coupons. A host contains a profile of a user. The memory, which is accessible to the logic server, may contain a profile of at least one user. A user card may contain a profile of the user. In operation, the ATM detects the a user's card and requests the profile of the user whose card was detected from a host. The ATM then receives the user's profile and stores the user's profile in the ATM. The system and method also provides a cardless ATM in which a user logs on without a card. Additionally, system and method also provides ATM services via a personal device.

Abstract: Check processing involves scanning a back of a check having no authorization data printed thereon, electronically generating authorization data indicating that processing a check payment has been completed, and generating an electronic merged image by electronically combining back image data captured during the scanning of the back of the check with generated authorization data, such that, in the electronic merged image, the authorization data appears outside of an endorsement area. Moreover, these operations are performed in a single pass of the check in one direction through a transportation path of a check processing apparatus. No printing of any data is required. The check processing can be embodied in a method, apparatus, or instructions embodied on a machine-readable medium.

Abstract: A secure terminal comprises: primary means consisting of processing means, data and program storage means, security means and data input means, wherein the components of the primary means are interconnected by a first data bus; peripheral means consisting of printing means, means for reading from/writing to a card and means for accessing a telecommunications network, wherein the components of the peripheral means are interconnected by a second data bus; and power supply means connected to the primary and peripheral means. The primary means arc grouped in a main housing that cannot be dismantled without damaging at least one of the components of the primary means, and the peripheral means are grouped in at least one housing capable of being connected to the main housing.

Abstract: The invention includes systems and methods for identifying and verifying the identity of a user of a kiosk using an external verification system. The kiosk receives customer input data that indicates the identity of the user of the kiosk. The kiosk generates an identification query that includes at least some customer input data. The kiosk transmits the identification query to an external verification system. The kiosk receives a verification response from the external verification system. The kiosk then processes the verification response to verify the identity of the user of the kiosk. These systems and methods advantageously provide identification and verification of the identity of a user of a kiosk. With sufficient identification and verification, financial institutions can comply with government regulations designed to reduce the opportunity for money laundering, terrorism, fraud, and identity theft while offering users of kiosks a wider range of financial services.

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 which dispenses cash and includes a mechanism for accepting deposited items. Deposited items may be provided to the machine in envelopes which are first passed to a user from an envelope storage area (132) in the machine through a transport (124) and which are presented to the user through an opening (244). A user may thereafter include deposit items in the dispensed envelope. The deposited items are passed through the opening (244) and are deposited in a deposit-holding container (128). The deposited items may be marked by an inkjet printer with indicia corresponding to the transaction or properties of the deposited item. The operation of the printer is caused by a controller (56) which controls the operation responsive to one or more environmental parameters.

Abstract: A receipt printer which includes a light source providing a beam, a light source movement mechanism which moves the beam between a first position and a second position, a laser mechanism which receives the beam when the beam is in the first position and uses the beam to print onto plain paper, and a thermal mechanism that receives the beam when the beam is in the second position and uses the beam to print onto thermal paper is disclosed.

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 checks.

Abstract: An automated teller machine having a customer operation part, a deposit/payment port to put into bills, a distinction part which distinguishes bill, storages which stores bill, a storage box which keeps bill decided to be true bill at the distinction part among bills put into the deposit/payment port, and a main control part which pays out bills from the storages with true bills kept in the storage box, stores rejected bills in the storage box when the amount of money put into the deposit/payment port is greater than the amount input at the customer operation part. The machine idle-rotates a drum type temporary storage box without winding bill when the amount of true bill is greater than the payment amount input at the customer operation part.

Abstract: An automated banking machine includes a mechanism for accepting deposited items. Deposited items can be provided to the machine in envelopes passed out of the machine to a user. An empty envelope in an envelope holding container (132) is passed through a transport (124) and presented to the user through an opening (244). The user can insert deposit items in the presented envelope. The envelope containing inserted deposited items can then be placed by the user back through the opening (244), causing it to be stored in a deposit-holding container (128). The machine also includes a printer that can print transaction indicia on a deposited envelope. A wiper comprising a resilient squeegee is able to remove excess ink from nozzles of the printer.

Abstract: A printer 10 has a reception unit 28 for receiving print commands from a host 12, and has print heads 64, 66 capable of printing multiple colors. A data processing part 24 applies a specific colorization process according to a print command received by a reception unit 28 and generates color print data for printing multiple colors. The content of a colorization process is determined by colorization information stored in a colorization information storage unit 62. The colorization information is set by a data configuration unit 26 according to a color setup command from the host 12.

Abstract: The present invention comprises a printer system for a device that comprises a secure compartment and a top surface displaced at an acute angle relative to a floor. A portion of the secure compartment includes interior of an opening from the top surface. The printer system comprises a support frame attachable to the device and displaced in the secure compartment of the device. The support frame comprises at least one glide rail. The printer system further comprises a printer assembly attached to the support frame. The printer assembly comprises a media holder adapted to hold printable media, a chassis intermediate and attached to the media holder, and a printer attached to the chassis and adapted to print on the media. In a first position, the printer assembly is displaced substantially inside the secure compartment. In a second position, the printer assembly is extended away from the secure compartment.

Abstract: An anti-jam bezel is provided for dispensing a flexible substrate from an output slot. A guideway is provided for receiving the flexible substrate from a transport and guiding the flexible substrate into the output slot. The guideway may extend from the output slot to the transport to provide a substrate receiving opening. The bezel body is adapted for mounting with the substrate receiving opening adjacent the transport such that the guideway catches a leading edge of the substrate after the substrate exits the transport and guides the leading edge into the output slot. In the event the output slot is blocked, the guideway is adapted to guide at least a portion of the substrate into the substrate receiving opening so that at least the portion of the substrate loops into the substrate receiving opening, thereby preventing a jam.

Abstract: A check processing method, a program medium, and a check processing apparatus store image data equivalent to the image data captured from the back of a printed check with a single check insertion operation using a compact, easily controlled apparatus. A back image scanning step scans the back of a check C. An authorization data generating step generates authorization data d indicating that processing a check C payment has been completed by a bank. A merged image data generating step generates merged image data g3 combining the back image data g2 captured in the back image scanning step with the generated authorization data d. A merged image data storing step stores the merged image data g3.

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) is provided. The automated banking machine may include a fascia (50) in operative connection with a frame (110). The machine may include a plurality of hardware devices which are accessible through the fascia. The hardware devices may include a cash dispenser (24), receipt printer (20), and a card reader (22). The fascia may include replaceable bezels (550,552) with apertures therein for providing access to hardware devices. The bezels may be operative to float with respect to the fascia and hardware devices to automatically align hardware devices with the bezels. In addition the hardware devices may include movable portions which are operative to automatically align with the bezels. The bezels may include ramps, ribs, or other angled surfaces which guide the hardware devices into alignment with the openings in the bezels.

Abstract: An endorser is disposed along a document transport path and includes a printhead for printing an endorsement onto a document along the document transport path. The printhead can move through an opening to print an endorsement onto a document along the document transport path. A door covers the opening and is slidable between an open position in which the printhead is able to move through the opening to print an endorsement onto a cheque and a closed position in which the door prevents the cheque from being jammed into the printhead when the cheque is transported along the cheque transport path. The door includes a major surface and a plurality of finger-like projections disposed on the major surface. The plurality of finger-like projections are provided for engaging a cheque when the cheque moves into a position along the cheque transport path for the printhead to print an endorsement onto the cheque.

Abstract: An automated banking machine (10) includes a user interface (12) including an opening (20). Users of the machine deliver and receive individual sheets and stacks of sheets to and from the machine through the opening. Stacks of sheets may include sheets such as notes, checks or other documents. Stacks input to the machine may include mixtures of various types of sheets. The machine operates to receive notes, process checks and perform other operations. Notes received in the machine and assessed as valid may be recycled and dispensed to other users. Notes assessed by the machine as being of questionable validity may be marked with a removable mark and subjected to further analysis. Checks processed by the machine may be imaged by an imaging device, cancelled and stored in the machine or alternatively returned to a user.

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: The present invention comprises a printer system for a device that comprises a secure compartment and a top surface displaced at an acute angle relative to a floor. A portion of the secure compartment includes interior of an opening from the top surface. The printer system comprises a support frame attachable to the device and displaced in the secure compartment of the device. The support frame comprises at least one glide rail. The printer system further comprises a printer assembly attached to the support frame. The printer assembly comprises a media holder adapted to hold printable media, a chassis intermediate and attached to the media holder, and a printer attached to the chassis and adapted to print on the media. In a first position, the printer assembly is displaced substantially inside the secure compartment. In a second position, the printer assembly is extended away from the secure compartment.

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 modular printer system comprising a support frame, a chassis, a media holder, and a printer assembly. The support frame supports the other components and may be attached to other devices. The chassis is slidably attached to the support frame so that it may be at least partially removed from the support frame thereby exposing components attached to the chassis. The chassis is adapted to hold the media holder and the printer assembly. The media holder holds media that may be printed on by the printer assembly. The printer assembly may be removed from the chassis to service the printer assembly and give full access to the media path. The printer assembly comprises a printer for printing on the media and a controller for controlling the printer and communicating with other devices.

Abstract: An endorser is disposed along a document transport path and includes a printhead for printing an endorsement onto a document along the document transport path. The printhead can move through an opening to print an endorsement onto a document along the document transport path. A door covers the opening and is slidable between an open position in which the printhead is able to move through the opening to print an endorsement onto a cheque and a closed position in which the door prevents the cheque from being jammed into the printhead when the cheque is transported along the cheque transport path. The door includes a major surface and a plurality of finger-like projections disposed on the major surface. The plurality of finger-like projections are provided for engaging a cheque when the cheque moves into a position along the cheque transport path for the printhead to print an endorsement onto the cheque.

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 system and method for issuing travelers checks at a user's home or business using the purchaser's own computer system to allow the user to obtain travelers checks at any time, in any denominations and without having to travel to an issuer location. User information, including a user identifier and a quantity and face value of bearer notes to be issued, are received from a user at an issuer central controller. The issuer central controller generates at least one code for generating the bearer notes and transmits the code to the user. Bearer notes including the code are then generated. Preferably, the user has registered with the note issuer prior to issuance of the notes. During registration, information relating to the user, such as identifying information and an account identifier are received from the user and stored in a database. A user identifier is transmitted to the user.

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 new receipt printer and method for negotiating transactions at the point of sale in retail establishments. The POS printer includes means for reading the account and bank information from existing magnetic characters on a check. The apparatus of this invention flips the check over and reverses its feed direction, in order to change its facial and directional orientation so that the amount of the transaction or other accounting information can be printed on the check, with one check presentation operation. The clamshell design of the printer, with the transport mechanism disposed in a pivotable door, allows for ease of clearing paper jams, should they occur. The door itself has a window through which the user and customer can view the check at all times, as it is read, flipped, and printed on.

Abstract: Disclosed is an apparatus and method for issuing documents of value such as money orders, gift certificates, utility remittances, phone card, payroll, etc. An apparatus according to the disclosure may include a compartment for receiving substrates on which information associated with a document of value is printed, a code reader which reads codes uniquely associated with each substrate from the substrates, a printer that prints information on the substrates, and a control terminal for controlling the code reader and printer. The control terminal is configured for communication with the code reader and for detection and recordation of the codes uniquely associated with each substrate. The control terminal may detect and record deviations from an expected order of the codes uniquely associated with the substrates upon the substrates being received in the apparatus.

Abstract: An automated banking machine (10) includes a receipt transport and retracting apparatus (26). The machine includes a printer (30) which delivers a sheet (108) which is a transaction receipt for a transaction conducted at the machine. The sheet is transported in engaged relation with the lower flights of two transversely disposed belts (50, 52). A gate member (76) is positioned adjacent to the printer and is rotatably mounted. The gate member includes slots (78) which extend transversely between the arcuate outside surface (86) and inside surface (88) of the gate member. In the first position of the gate member the belt flights extend through the slots. Engagement of a sheet moving in an outward direction from the printer toward an outlet (118) moves the gate member to a second rotational position in which the sheet passes the gate member. The sheet moves in the outward direction until it reaches the outlet and extends through an opening (24) where it is accessible to a user.

Abstract: A system for issuing ID cards to which personal information data such as a personal identification number are written and verifying whether or not the information data are successfully written to the ID card. When the information data are confirmed to be unsuccessfully written to the ID card as the result of verification, the card is regarded as a faulty card, and an erase signal is automatically overwritten to the faulty card before discharging the card out of the system, so as to ensure absolute secrecy of the personal information.

Abstract: A self-service financial document processing terminal (10) accepts from a user a document (100) to be processed for a financial transaction such as depositing a cheque or paying a bill. After processing, the terminal (10) issues a receipt slip (300) to the user containing printed details of the transaction (302,304) together with a printed image (306) of significant portions of the document (100).

Abstract: A dispenser produces negotiable money orders, traveler's checks, and the like at remote locations and prints the check amount on the check while also printing summary data of a day's activities on a blank check form, eliminating the need for a separate printer and paper supply. The dispenser prints the check amount using print icons that form a part of each character in the check amount, but are not as large as a complete character or as small as a dot print element. The check forms are connected together by perforation ties, and the dispenser feeds the forms to the printer such that the force with which the dispenser holds the forms is greater than the force needed to tear apart the forms, thus reducing the risk of unauthorized pulling of blank forms from the dispenser.

Abstract: This invention relates to an enhanced transaction approval system for processing transactions in which a deposit is tendered for the purchase of goods and services. Specifically, the credit authorization system for a deposit transaction permits the exclusion of card information on the purchase deposit slip, provides for the inclusion of a delivery by date on the purchase deposit slip, and utilizes a transaction number that both identifies the deposit transaction and represents an approval number.

Abstract: An automatic form dispensing system for a variety of transactions has a housing with an operator interface for receiving operator input, and has a form dispensing assembly in the housing and a roll of blank form stock and two rolls of a carrier web containing blank stickers retained thereon by a pressure sensitive adhesive. At least one of the stickers is removed automatically from the carrier web and applied to the blank form stock as the blank form stock moves towards a dispense slot of the housing. A printer thermally prints information on the sticker and on a portion of the blank form stock adjacent the applied sticker in response to the operator input. A cutter cuts the printed potion of the form stock which contains the applied sticker from the roll of blank form stock to provide a completed printed form. A dispensing device then dispenses the printed form from the housing through a dispense slot.

Abstract: An automatic transaction apparatus for dealing with cash or the like operates by being accessed by the user through the use of a user specific transaction medium card, which is inserted to the apparatus so that information recorded on it is read. In the event of some trouble of the apparatus, if the card cannot be ejected and returned to the user, a receipt slip of the card with information specific to the user being printed thereon is issued to the user in response to the ejection failure signal.

Abstract: An automatic cash handling system for handling cash transactions with the user using a cash card privately held by him or her. The system comprises a device for issuing a record such as a transaction statement printed with details of a transaction such as deposit, withdrawal or confirmation of balance, and a device for allowing the user to opt for or relinquish the issuance of a record. In operating the system, the user decides whether a record is to be issued or not, and if he requires one, a record issuing devices issues a record printed with transaction data. If he demands no issuance of a record, on the other hand, the transaction data is indicated on an indication device.

Abstract: A vending-type machine for goods and/or services, and a method of operating the same. The machine has a computer that is connected via a data communication line with a central computer located in a central office. In order, despite the absence of an intermediate cash box for bills received during an interrupted payment process, to be able to protect against fraudulent refunds for equivalent values on vouchers issued by such machines, a plain language as well as machine-readable coded data entry is printed on the voucher, with this data entry, in addition to the value of the bill, also containing the location indication of the particular machine, and the actual date and time in seconds. This data entry is entered in a data-protected memory of the machine, and is entered via the data communication line in a data-protected memory of the central computer.

Abstract: A check processing device is particularly adapted for retailer/customer use at the point-of-sale through use of a MICR read head means, printer means and keypad means which feed information into a CPU which communicates, through an existing telecommunication system, with the customer's bank and the retailer's bank in order to transfer funds from the account of the customer to the account of the retailer.

Abstract: An apparatus for derailing with a passbook having a plurality of data recording surfaces, includes a passbook recording unit in which data is recorded on the recording surfaces of the passbook introduced in a conveying passage of the apparatus via an access opening. A plurality of new passbook storing boxes are arranged along the conveying passage, and a passbook detector for detecting the presence or absence of new passbook is provided in each passbook storing box. When all spaces in the data recording surfaces of the passbook received in the conveying passage are used up, a new passbook is supplied from one of the storing boxes to the conveying passage, so that the remains of data is recorded on the data recording surfaces of the new passbook by the recording unit.

Abstract: An automatic fee receiving and receipt dispensing system, particularly designed for vehicle registration transactions and the like, comprises an outer housing with a customer interface for displaying information to a customer and receiving customer input and fee payment, and a dispenser assembly in the housing for storing forms specific to the transaction having pre-printed areas and blank areas for receiving information specific to a transaction, a printer for printing information in the blank areas of the forms, and a dispensing device for dispensing printed forms to customers. A control unit in the housing controls operation of the customer interface and dispenser assembly, and is linked via an interface to a remote database containing transaction and fee information, for example vehicle registration records.

Abstract: An automatic payment machine is provided for electronically checking the validity of instruments of payment with deliverance of a voucher. It includes means for maintaining the voucher in a waiting position in the path of the instrument of payment so that this latter takes it along with it when it passes, for restoring the instrument and the voucher simultaneously.