Abstract: A system and method of check cashing at an ATM are provided. In some examples, the system and method may include receiving a check at an ATM that does not include denominations of bills and/or coins to cash the check. The amount of the check may be rounded up to an amount for which appropriate denominations are available and the difference between the amount of the check and the rounded up amount may be charged to an account of a user, such as checking account, savings account, credit card, and the like.

Abstract: A self-service terminal comprising a plurality of devices is described. The devices comprise: a racking handle for moving that device from an operational position to a maintenance position; a primary visual identifier (such as a bright color) associated with the racking handle, where the primary visual identifier is common for all of the racking handles and is not used for any part of the device except a racking handle; and a secondary visual identifier associated with any other parts of the device that may be safely touched, where the secondary visual identifier is visually distinct (for example, by using a different color) from the primary visual identifier.

Abstract: An automated banking machine operates to carry out financial transactions for authorized machine users responsive to user data read from data bearing records. The machine includes an input devices including a card reader which operates to read card data that is usable to identify a user or a user account. The machine also includes a cash dispenser that is selectively operative to dispense currency notes to authorized machine users. A computer causes financial accounts read by the card reader to be assessed a value for cash dispensed. The computer causes operation of the cash dispenser in response to receiving cash dispense instructions. The computer includes software that prevents cash dispenser operation in response to cash dispense instructions being received in communications from at least one remote address.

Abstract: An automated banking machine operates responsive to data read from data bearing records, such as user cards, to cause machine user authorization and financial transfers. Account data read from a user card is associated in a data store with instructions for displaying a customer interface uniquely associated with the particular bank where the user holds the account. The customer interface includes user-selectable financial transaction options. The arrangement enables the customer interface of the user's home bank, with which the user is familiar, to also be automatically displayed when the user operates automated banking machines of other banks.

Abstract: An automated banking machine operates responsive to data read from data bearing records, such as user cards, to cause machine user authorization and financial transfers. Account data read from a user card is associated in a data store with instructions for displaying a customer interface uniquely associated with the particular bank where the user holds the account. The customer interface includes user-selectable financial transaction options. The arrangement enables the customer interface of the user's home bank, with which the user is familiar, to also be automatically displayed when the user operates automated banking machines of other banks.

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: A user device may be capable of providing a service portal and feedback on the condition of the user device, such as a user device. A condition analysis of the user device may be performed by a user, such as a person or a computing device. A condition analysis may be performed to determine the physical condition and the operational condition of the user device. A condition rating may be assigned to the user device that may be commensurate with the condition analysis. The condition data and condition analysis may be entered into and stored in a data store. A maintenance action may be performed based at least in part on the condition rating. The user device may be a user device that may be operated by a financial institution or other business entity. A user may be a customer and/or an employee, vendor, or contractor of the financial institution or other business entity.

Abstract: A system and method for replenishing prepaid account balances is disclosed. Consumers are issued a prepaid account card similar to a credit card. Funds are added to prepaid accounts at retail locations by providing cash or equivalent to a clerk along with the prepaid account card. The clerk swipes the prepaid account card in an authorization terminal and rings up the transaction in a manner similar to a normal credit card transaction. The transaction is transmitted to a bank which processes the transaction and notifies a replenishment system that the customer has added value to the prepaid account. The replenishment system provides the customer with a confirmation number associated with the transaction. The replenishment system notifies a prepaid engine for the prepaid account. The prepaid engine updates the user's prepaid account balance, thereby making funds available for future purchases by the user.

Abstract: A portable terminal operates to cause financial transfers responsive to data read from data bearing records in the form of user cards. The user cards include credit and/or debit cards. Data corresponding to the card data is stored in at least one memory of the terminal. The terminal includes a wireless communication device. The terminal operates to wirelessly communicate data corresponding to card data wirelessly to one or more remote computers to cause financial transfers to or from selected accounts. The terminal also operates to provide outputs corresponding to account balances and to receive data corresponding to receipts.

Abstract: An automated banking machine operates responsive to data read from data bearing records, such as user cards, to cause machine user authorization and financial transfers. Account data read from a user card is associated in a data store with instructions for displaying a customer interface uniquely associated with the particular bank where the user holds the account. The customer interface includes user-selectable financial transaction options. The arrangement enables the customer interface of the user's home bank, with which the user is familiar, to also be automatically displayed when the user operates automated banking machines of other banks.

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: An automated banking machine has sensing devices adjacent a card reader slot. The sensing devices enable detection of a fraudulent card reading device.

Abstract: A self-service terminal comprises a fascia defining an aperture through which a receipt or other type of media items is dispensible to a customer. The fascia comprises a protrusion located immediately beneath the aperture in a generally central location. The protrusion comprises a lower surface against which a customer's finger may rest and an upper surface for guiding an exiting receipt or other type of media item. The protrusion extends outwardly from the fascia to ensure that even if the customer places a finger on the protrusion, opposing edges of the receipt or other media item exit a sufficient distance from the aperture to allow the receipt or other media item to be visible to and removed by the customer.

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: An automated banking machine includes an input device including a card reader which operates to read data bearing records in the form of user cards. The card data is usable to identify a user or a user account. The machine also includes an output device and a cash dispenser selectively operative to dispense currency sheets to machine users. Software operating in a computer of the machine causes the computer to operate a cash dispenser in carrying out cash dispensing transactions where cash is dispensed to users whose read accounts are assessed for value associated with cash dispensed. The computer also processes a mark up language document. The software includes screening software operative to prevent the computer from operating the cash dispenser responsive to communication with at least one system address.

Abstract: An automated banking machine operates responsive to data read from data bearing records to cause financial transfers. The machine includes a card reader that reads data from user cards corresponding to financial accounts. The machine can communicate with a host computer to cash financial checks. The machine can read check indicia, send check data to the host, receive authorization from the host to cash the check, and dispense cash corresponding to the check. The machine can also produce image data representative of the check indicia and determine whether the image data can be accurately identified within a predetermined level of assurance.

Abstract: A card activated cash dispensing automated banking machine is provided which is operative to authenticate firmware in at least one hardware device of the machine. The hardware device is operative to generate through operation of at least one processor in the at least one hardware device a firmware certificate responsive to the at least one measurement request message and the firmware content. The automated banking machine is operative to send a message from the automated banking machine to a host banking system responsive to the firmware certificate. The host banking machine may authenticate the message and send the automated banking machine an authorization message for performing a transaction function with the automated banking machine. Such a transaction function may include dispensing cash with a cash dispenser of the automated banking machine.

Abstract: An automated banking machine operates responsive to data read from data bearing records, such as user cards that include financial account data. The machine operates to carry out transactions involving the accounts and generates records thereof. A plurality of cameras captures images associated with machine users, documents and/or events. Image data is stored and may be searched based on selection parameters.

Abstract: A banking system is controlled responsive to data included on data bearing records. The system includes a deposit accepting machine for accepting deposit items, such as deposit bags, currency, and checks. The deposit accepting machine is in connection with a card reader operative to read data corresponding to financial accounts from user cards. The apparatus further includes an RFID reading device that is operative to read signals from RFID tags to obtain deposit information therefrom. The information can include data associated with of the deposit, such as an account number and the deposit amount. The information can include cash value. A computer is operative to credit a financial account for value associated with deposit items responsive to data read by the card reader and/or RFID reading device.

Abstract: A banking system is controlled responsive to data included on data bearing records. The system includes a deposit accepting machine for accepting deposit items, such as deposit bags, currency, and checks. The machine includes a card reader that can read card data corresponding to financial accounts, and a biometric reader that can read user identification data. The machine also includes an RFID reader that can read signals from RFID tags to obtain deposit information therefrom. The deposit information can include deposit data such as an account number and the deposit amount. The machine also includes a computer that causes a financial account to be credited for the value of deposited items, responsive to data read by the various reader devices.

Abstract: Disclosed are an automatic transaction machine and method of rejecting a paper medium in the automatic transaction machine. The automatic transaction machine includes a medium storage portion; a first medium transfer module transferring a paper medium in a sheet unit from the medium storage portion; a temporary stack portion provided adjacent to an outlet of the first medium transfer module, stacking the paper medium, and having a vertically movable supporter; a second medium transfer module for transferring, to a medium outlet, the paper medium transmitted from the supporter having been upwardly moved; and a rejection portion positioned below the supporter, and including a rejection inlet vertically movable together with the supporter.

Abstract: An automated banking machine operates responsive to data read from data bearing records. The machine includes a sheet dispensing mechanism including at least one currency note picking member. Rotation of a picking member causes an end note to be picked from a stack of currency notes. The picking member includes an outer surface portion that has a thickness including a built in physical wear indicator. The indicator includes material surface layers of different colors. Each color indicates a different surface wear state.

Abstract: An automatic banking machine operates responsive to data bearing records. The machine includes a card reader for reading user cards, and at least one of a note acceptor and a cash dispenser. The automated banking machine carries out financial transfers related to user accounts based on information read from cards. The automated banking machine provides a printed receipt for transactions conducted. The machine carries out transactions when operatively connected to a source of power and a transaction network. The machine also carries out functions to control the power status of devices in the machine.

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: Disclosed is a cash transaction machine. The cash transaction machine includes a main body including a medium inlet formed on a side of a lower portion thereof and a medium outlet formed on a side of an upper portion thereof, and providing a paper medium fed from the medium inlet to the medium outlet, a transfer module including a driving device mounted on the main body, and a plurality of circulation transfer belts cooperating with the driving device and transferring the paper medium, the plurality of circulation transfer belts being extended to the lower portion of the main body via the medium inlet, and an auxiliary adapter including an adapter box directly or indirectly mounted on the lower portion of the main body, and a belt guidance shaft mounted on the adapter box and positioning an extra part of the circulation transfer belt in the auxiliary adapter.

Abstract: An automated banking machine operates responsive to data read from data bearing records, such as user cards, to cause machine user authorization and financial transfers. Account data read from a user card is associated in a data store with a server address, where a document is located. The document includes machine instructions for displaying a customer interface uniquely associated with the particular banking institution where the user holds the account. The customer interface includes user-selectable transaction options. The arrangement enables the customer interface of the user's home bank, with which the user is familiar, to also be automatically displayed to the user when the user operates automated banking machines of other banks.

Abstract: A two-stage lock structure of an ATM is described that can prevent an operator from being injured during the removal of a currency note jam.

Abstract: A banking system is controlled responsive to data included on data bearing records. The system includes a deposit accepting machine for accepting deposit items, such as deposit bags, currency, and checks. The deposit accepting machine is in connection with a card reader operative to read data corresponding to financial accounts from user cards. The apparatus further includes an RFID reading device that is operative to read signals from RFID tags to obtain deposit information therefrom. The information can include data associated with of the deposit, such as an account number and the deposit amount. The information can include cash value. A computer is operative to credit a financial account for value associated with deposit items responsive to data read by the card reader and/or RFID reading device.

Abstract: Digital cash token protocols use a combination of blind digital signatures and pseudonym authentication with at least two pairs of public and private keys. A user is provided with one master pair of private and public keys and as many pseudonym pairs of private and public keys as desired. The resulting digital cash token based hybrid protocols combine the advantages of blind digital signature and pseudonym authentication. Blind digital signatures based on the master pair of keys are used to withdraw digital cash from the user's bank account under the user's real identity. A pseudonym pair of keys is used for converting digital cash into digital cash tokens by a digital cash issuer. All pseudonyms can be used for spending the digital cash tokens. These protocols ensure anonymity when withdrawing digital cash from the user's account under the user's real identity in addition to providing pseudonym authentication when spending digital cash tokens under a pseudonym.

Abstract: An ATM extends a stack of currency notes through a cash outlet opening for presentation to a customer. Each dispensed stack, including those of different sizes, is centered in the opening. The centering of a stack is based on its thickness. The thickness can be based on the quantity of notes in the stack. Different sized stacks require different amounts of movement to be centered. A stack is centered in the opening to facilitate grasping thereof by the customer.

Abstract: An automated banking machine operates responsive to data read from data bearing records, such as user cards, to cause machine user authorization and financial transfers. The read card data can also be associated with a server address, where a record is located. The machine operates prior to a transaction to determine whether the record can be fully downloaded from the server address. Based on a successful determination, the machine can then fully download the record from the address during a transaction that needs the record. The pre-check arrangement reduces transaction time outs that may occur as a result of futile attempts by the machine to access an unavailable record during a transaction.

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: A bill deposit machine comprising: a deposit/return port for accepting and returning a batch of bills, a bill transport path for transporting the batch of bills accepted at said deposit/return port with the wide dimension of the bills parallel to the transport path horizontally and in a straight line, a feed-out section for feeding out the bills, one at a time, out of the batch of bills received from said bill transport path, a discriminating unit for discriminating if the bills fed out of said feed-out section can be deposited or not, and a bill returning path for transporting the rejected bills, which are determined by said discriminating unit as being unable to be deposited, to said bill transport path. Bills are projected and kept to be projected out of said deposit/return port by the specified amount by said bill conveying device when the movement of the bills which are being taken out of said deposit/return port is detected by said takeout detecting device.

Abstract: An automated banking machine operates responsive to data read from data bearing records such as user cards to cause financial transfers. A transaction data object software component operating in a computer of the machine accumulates data as the transaction proceeds. Customer identifying data read by the machine and data corresponding to user inputs can be included in the transaction data object software component. The component can be passed form the machine to a server for determination of the customer being authorized to use the machine to perform a transaction. Upon approval, the server includes authorization data in the component which is then returned to the banking machine. The banking machine also includes in the component, data corresponding to operation of transaction function devices, such as a receipt printer and a currency dispenser.

Abstract: An automated banking machine (10) operates responsive to data bearing records. Users of the machine may deliver and receive records including individual sheets and stacks of sheets to and from the machine such as notes, checks or other documents. Notes assessed by the machine as being of questionable validity may be marked with a removable mark or otherwise identified.

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 is dispensed to the user from the ATM in exchange for the deposited check.

Abstract: An automated banking machine (10) operates responsive to data read from data bearing records. The machine includes a card reader that is operative to read data from user cards corresponding to financial accounts. A controller (72) in the machine selectively illuminates light emitting devices (118, 126) for purposes of facilitating user operation of the machine. Sensing devices (128) adjacent a card reader slot (28) on the machine enables the controller to detect the presence of unauthorized card reading devices. Servicing the machine is facilitated through use of a portable diagnostic article (98) which enables the controller to access diagnostic data stored in memory and which provides data indicative of the significance of the diagnostic data.

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 card actuated automated banking machine system and method accepts checks and dispenses cash to users. The 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 is dispensed to the user from the banking machine in exchange for the deposited check.

Abstract: A cash dispensing automated banking machine activated responsive to user cards includes a secure enclosure. The secure enclosure includes a chest portion and a moveable door. The door has mounted thereon a locking bolt work mechanism which is operative to selectively secure the door in a closed position. The door is mounted to the chest through hinge assembles that enable the door to be selectively adjusted in up-down and right-left directions. The chest door includes dead bolt portions at the hinge side that resist separation of the door from the chest if the hinge is compromised.

Abstract: A portable terminal operates to cause financial transfers responsive to data read from data bearing records in the form of user cards. The user cards include credit and/or debit cards. Data corresponding to the card data is stored in at least one memory of the terminal. The terminal includes a wireless communication device. The terminal operates to wirelessly communicate data corresponding to card data wirelessly to one or more remote computers to cause financial transfers to or from selected accounts. The terminal also operates to provide outputs corresponding to account balances and to receive data corresponding to receipts.

Abstract: A method, system and computer program product for enabling user-customization of an ATM display/receipt for a transaction carried out at an automated teller machine (ATM). The customer/user of the ATM creates/selects specific alerts to be outputted during subsequent ATM transactions. The alerts/notices are linked to the customer account. During subsequent access to the user's account via an ATM, the pre-selected alert/notice is displayed to the user or printed on the transaction receipt.

Abstract: Automated banking machine (ATM) in which the chest or secure enclosure is adapted for use in either a front-load ATM or a rear-load ATM. The chest housing includes both front and rear openings which are closed by first and second chest doors. The operable chest door may be securely engaged with the chest housing a locking bolt mechanism. The inoperable door may be secured with the chest housing by an alternate securing mechanism such as a bolt.

Abstract: An automated banking machine operates responsive to data read from data bearing records. The machine includes a card reader that is operative to read data from user cards corresponding to financial accounts. The machine includes at least one computer and a plurality of transaction function devices. The machine further includes a plurality of device driver components that generally correspond to each of the transaction function devices. The device drivers are operative responsive to communication from an XFS layer to control the operation of the transaction function devices. The machine operates responsive to markup language documents to accomplish financial transfers.

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 can communicate with a host computer to cash financial checks. The machine can read check indicia, send check data to the host, receive authorization from the host to cash the check, and dispense cash corresponding to the check. The machine can also produce image data representative of the check indicia and determine whether the data can be accurately identified within a predetermined level of assurance. The machine can additionally print cancellation data on a cashed check, and then return the check to the machine user.

Abstract: A system for connecting transaction services to an ATM (10, 500) that includes a network (20). A user interface service (12) and a lookup service (22) are in operative connection with the network. Transaction services such as a printer service (16), card reader service (18), and cash dispenser service (14) are also in operative connection with the network. These transaction services are operative to register with the lookup service and to upload a service proxy to the lookup service. The user interface service is operative to locate transaction services on the network by invoking a remote lookup method on the lookup service. The lookup service is operative to return service proxies that match the type of service that is required. The user interface service is further operative to invoke methods of the service proxies that remotely control the functionality of the transaction services on the network.

Abstract: A system includes cash dispensing automated banking machines (10). Each of the automated banking machines includes a cash dispenser (24) and at least one computer (28) in which a plurality of software products are operated. Entities responsible for operating the automated banking machines may receive messages that include information or update code items for software or firmware usable in the banking machines for which they have operational responsibility. Such messages may be provided by the banking machine manufacturer directly from a system operated by the manufacturer, or from sources that supply the manufacturer.

Abstract: A security device for the transportation and/or storage of assets includes a chamber for receiving these assets combined with at least one tank for a destructive product, the destructive product including chlorosulfonic acid, the tank suitable for the release of the destructive product under the direction of a control element, and the chamber adapted to expose the assets to gaseous decomposition products of the destructive product.

Abstract: A method of accounting electronic transactions is disclosed. The transaction may be initiated by the payer (1) from an electronic terminal or telephone, to cause the following to be delivered to the accounting system (3): the transaction code (A), the amount (B), payer's ID (D), and the payee's ID (C). The accounting system (3) verifies whether the payer (1) is an authorized user, whether a beneficiary with the given payee's ID (C) exists and what types of transactions are handled by this beneficiary, as well as whether the specified amount (B) is available on the payer's (1) payment account (4). The accounting system (3) sends cumulative information on the transaction (E) to the payer (1). The payer (1) is requested to accept the transaction, or to correct or complete data. The accounting system (3) effects accounting of the transaction (G) on the payment account (4) and sends acknowledgment of the payment (H) to the payee (2).