Abstract: Various embodiments are directed to systems and methods for remotely monitoring cash reserves within a plurality of cash handling devices, and for automatically initiating change orders to maintain optimal levels of cash reserves within those cash handling devices. Certain embodiments remotely monitor closing transaction data received from those cash handling devices. Based at least in part on portions of data reflected within the closing transaction data, retrieve historical usage data relating to a forecast period; generate a usage forecast for the forecast period, and based on the generated usage forecast and the closing transaction data, generate message data for transmission to external systems to facilitate the maintenance of optimal cash reserves within those cash handling devices.

Abstract: A digital module built-in desk to be placed at a location where business transactions between a clerk and a customer are performed is provided. The desk includes a desk body including an upper plate having a customer-side desk portion providing a space for the customer; a customer digital module mounted in the customer-side desk portion, the customer digital module including a tablet through which information necessary for the business transactions is inputted; and a clerk digital module provided in the side of the clerk-side desk portion, the clerk digital module including a monitor for displaying information necessary for the business transactions.

Abstract: Provided is a medium sensing apparatus. The medium sensing apparatus comprises a first frame having a hole in a side surface thereof, a second frame coupled to the first frame, a first sensor mounted on the first frame, a bracket connected to the first sensor, the bracket contacting the second frame, and a shaft disposed on the first sensor or the bracket to pass through the hole, the shaft being movable within the hole.

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

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

Abstract: An automatic banking machine includes at least one computer, a card reader, transaction function devices, and a display. The display includes a touch display surface having multiple spaced user locations at which transaction sessions by different user can be concurrently conducted. Multiple users can at the same time receive visible outputs from the display surface and provide inputs through physical contact with the display surface. An eye sensing device enables the display surface, based on sensing where a user is looking at the display surface, to display data at the user location.

Abstract: A processing system for charge request data issued from a charge requesting organization performs collective processing of the request data without generating payment slips. This system includes filter means for extracting a contractor number of a charge paying organization from a contractor code of the requesting organization included in the request data, the contractor code of the requesting organization includes the contractor number of the paying organization and other management data formatted within the contractor number of the paying organization, the other management data include a charge request amount for each day of payment and for each account of the paying organization. This system also includes request data processing means for preparing request data for each day of payment including the contractor number of the paying organization and the charge request amount for each account of the paying organization, each type of charge, each requesting organization and each contractor.

Abstract: An automated banking machine includes a generally one-piece polymer frame. Transaction function devices such as an input device, a display screen, and a sheet dispenser, are supported on the frame. A generally one-piece polymer body is operatively engaged relative to the frame and extends in generally surrounding relation of the input device and display screen. The body includes at least one opening such that the display screen is visible and the input device is accessible through the body.

Abstract: The present invention pertains to a system and method for assisting a visually impaired individual in performing a financial transaction at an automated teller machine, comprising initiating a visually impaired transaction session through a preset event at the automated teller machine; wherein the automated teller machine comprises a touch screen display for displaying operation instructions to a customer and for receiving input from a customer; an output jack for providing signals which can be converted to audible sounds by means of a headset; a bill dispensing mechanism for dispensing a bank not corresponding to a specified amount; a receipt issuing unit for printing a transaction content and for issuing a receipt on which the transaction content is printed; and a controller connected to the card reader, the touch screen display, the output jack, the bill dispensing unit, and the receipt issuing unit, the controller providing signals to the output jack corresponding to information provided on the touch scre

Abstract: An improved keyboard comprises a base, and a plurality of keys, and a grid surrounding some of the keys which can be projected onto a screen, and in which some of the keys control the functions of others of the keys.

Abstract: An automated bank teller machine (ATM) is provided which is characteristically easy to configure, regardless of whether a replenish-from-the-front (RFTF) configuration or a replenish-from-the-rear (RFTR) configuration is chosen. In particular, the ATM according to the present invention includes a security chest module, a top module, and an interface module. These components are common to both configurations can be built and stored in advance, and can be thereafter configured as desired. In another embodiment, an ATM is provided that permits more than one customer to use the ATM at the same time.

Abstract: In a keypad for an ATM or the like, in addition to mechanical keys (14) which when operated press areas (24) on a pressure sensitive layer (22) against a backing plate (32), and thereby close a corresponding normally-open switch (S), additional areas (26) are arranged as normally-closed switches A, with pressure applied by protrusions (36) on the backing plate (32). If the backing plate is removed, the switches A open, and the change is sensed by a monitoring circuit (48).

Abstract: A method and a system for operating a revolving credit program utilizing a table of tiered interest rates in which one of the interest rates is applied as a finance charge to a remaining outstanding balance of an account depending upon the percentage that payments made during a billing cycle comprise of an account parameter, such as the outstanding balance, a highest balance or a beginning balance. In the preferred embodiment the applied interest rate is determined by the percentage the outstanding balance is reduced by payments on the balance during a billing cycle. Also in a preferred embodiment of the invention, the tiered interest rate table is structured to apply progressively reduced interest rates to outstanding balances reduced by progressively greater payment percentages from the previous billing cycle, thereby encouraging a credit customer to make larger payments and pay down the outstanding balance faster.

Abstract: An interactive I/O terminal supplies information to a user and inputs information based on operations of the user in accordance with the information supplied to the user. The interactive I/O terminal includes an I/O display panel for displaying a predetermined screen having a display area on which messages are to be displayed and operation keys for outputting signals corresponding to the operation keys operated by the user; a first controller for controlling the I/O display panel so that messages are displayed on the display area in the screen formed on the I/O display panel, a second controller for controlling the I/O display panel so that the screen is maintained on the I/O display panel until operations corresponding to a plurality of messages displayed on the display area are completed, and a processing unit for performing processes corresponding to the signals supplied from the I/O display panel based on operations of the user.

Abstract: A device for entering a code into a keypad of an ATM. The inventive device includes a housing positionable over an ATM keypad. A plurality of solenoids are mounted to a lower surface of the housing for actuating individual keys of the ATM keypad. A code entering keypad is mounted to an upper surface of the housing for entering a PIN number into a controller such that a code can be entered into the device within the privacy of a vehicle and subsequently transferred to the ATM key pad of a visible ATM machine.

Abstract: The present invention discloses an automatic cash transaction apparatus having a main body and an additional unit. On the basis of instruction information from the user, an apparatus main body executes processes regarding a cash transaction while communicating with a high-order apparatus. An input/output apparatus having a telephone is provided as an additional unit for the apparatus main body. The input/output apparatus synthesizes audio data on the basis of an instruction from the apparatus main body and outputs an audio message signal to a telephone. The user operates dial buttons of the telephone in accordance with the audio message. Since the telephone has the same dial button arrangement as that of the telephone which is daily used, even a visually handicapped person can easily execute a necessary inputting operation.

Abstract: An image-based transaction processing system employing automatic reading of machine-printed and handwritten financial amounts on transaction documents to enhance transaction balancing by reducing the number of transactions which have to be balanced by an operator. The automatic reader provides a second choice as well as a first choice for one or more digits. When an out-of-balance transaction is detected, one or more second choice digits are substituted for corresponding first choice digits in order to obtain automatic transaction balancing even through an automatically read amount is incorrect.

Abstract: A touch screen apparatus with tactile feedback is disclosed. Tactile information, such as Braille or other symbolic representations, is integrally connected to an area on the touch screen surface. This tactile information can be molded into the touch screen surface as part of its initial manufacturing process, or can be added later by making the tactile information our of epoxy or or by placing a plastic film containing the tactile information over the touch screen surface. The touch screen display can be part of a desktop or laptop computer, can be part of a computer system in a public information kiosk or automated teller machine application, or can be included as an information panel in stereo equipment, transportation equipment, etc.

Abstract: An automated teller machine provided with a plurality of input means and a corresponding method for conducting transactions using this machine. In the machine, a touch sensor for producing a signal when a user touches a previously registered area with a finger and a character recognition sensor for recognizing characters drawn on another previously registered area are superposed on a display. The sensor to be operated is selected in accordance with input data, the kind of transaction and/or user's preference. Thus, the data can be input in a manner which provides the easiest and most efficient mode of use for the user.