Terminal* With Means Permitting Deposit Or Withdrawal (e.g., Atm) Patents (Class 902/8)
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Patent number: 7523856Abstract: An ATM includes a user interface having a display device. The display device includes a flexible display panel. The display panel can be flexed to limit the displayed information to only the field of view of the current ATM user. The curvature of the display panel can be changed by a moving device to correspond to the settings assigned to the current ATM user responsive to identifying input received from the user.Type: GrantFiled: September 26, 2005Date of Patent: April 28, 2009Assignee: Diebold Self-Service SystemsInventors: James Block, Natarajan Ramachandran, Ashok Modi, Jeff Hill, Ray Motz, Klaus Steinbach
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Patent number: 7503481Abstract: Apparatus and method for detecting and interfering with an unauthorized device attempting to acquire user identification information at cash dispensing automated banking machine. The apparatus includes a sensing device enabled to detect RF or other radiation transmitted from the unauthorized device in a proximity of the machine. A controller causes the machine to take at least one action responsive to detection of the unauthorized device. The action may include generating a warning screen on the machine display, capturing an image, sending a message to an entity at a remote location, or emitting interfering radiation from an emitter.Type: GrantFiled: June 16, 2006Date of Patent: March 17, 2009Assignee: Diebold Self-Service Systems division of Diebold, IncorporatedInventors: Natarajan Ramachandran, Jeffery M. Enright, Dale H. Blackson
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Patent number: 7494047Abstract: An automated banking machine (10) includes a lockable first fascia portion (20) which when unlocked enables access to a chest lock input device (104), inputs to which enable opening a chest door (18) of the machine. Opening the first fascia portion also enables access to an actuator (116) which enables moving a second fascia portion (22) for conducting service activities. 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.Type: GrantFiled: November 24, 2003Date of Patent: February 24, 2009Assignee: Diebold Self-Service Systems division of Diebold, IncorporatedInventors: Steven Shepley, Glenda Griswold
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Patent number: 7490762Abstract: An automated transaction machine with a cross-vender software and hardware platform architecture includes a 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 further includes a terminal application and an ODS layer. The ODS layer includes a plurality of ODS components 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.Type: GrantFiled: March 10, 2008Date of Patent: February 17, 2009Assignee: Diebold, IncorporatedInventors: Steven Shepley, Joseph Cwikla, Bryan Reed, James Block, Robert Usner, Jay Paul Drummond, Mark D. Smith
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Patent number: 7467744Abstract: 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.Type: GrantFiled: June 27, 2005Date of Patent: December 23, 2008Assignee: Diebold, IncorporatedInventors: Tim Crews, Keith Carpenter, Mike Ryan, Laura Drozda, Wayne Warren, Victor Bell, William McCarthy, Matthew Pahl, Martin J. Brown, Dale H. Blackson, Todd Galloway, Robert W. Barnett, James R. Kay, Mark A. Ward, David A. Peters, Edward L. Laskowski, H. Thomas Graef
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Patent number: 7458507Abstract: Methods, systems, and Automated Teller Machines (ATMs) are disclosed which provide ATM currency conversion capabilities. In one embodiment, a financial account number associated with a financial account maintained by a customer at a financial institution is received, a foreign currency type associated with the financial account is determined, and a choice is presented to the customer at the ATM to conduct a financial transaction in the foreign currency type. A currency selection is received from the customer and at least a portion of the financial transaction is conducted at the ATM in the selected currency.Type: GrantFiled: May 16, 2007Date of Patent: December 2, 2008Assignee: First Data CorporationInventors: Charles A. Fillinger, Barry O'Sullivan
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Patent number: 7458506Abstract: A bill handling apparatus, such as an ATM, for handling bills each having an IC chip which holds unique discriminative information includes a manipulating unit for selecting the type of transaction to be done by a customer. A controller is provided for recognizing the type of the transaction selected with the manipulating unit. A bill discriminator reads a surface information on the bills and performs true/false determination. A wireless IC reader reads discriminative information held by the IC chips of the conveyed bills. The discriminative information, result of discriminating the bills, and transaction information are searchable for tracing the bill.Type: GrantFiled: May 27, 2005Date of Patent: December 2, 2008Assignee: Hitachi-Omron Terminal Solutions, Corp.Inventor: Tshinori Fujioka
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Patent number: 7431205Abstract: 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.Type: GrantFiled: March 21, 2007Date of Patent: October 7, 2008Assignee: Hitachi-Omron Terminal Solutions Corp.Inventors: Akira Nomiyama, Riichi Katou
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Patent number: 7431206Abstract: An automated banking machine has sensing devices adjacent a card reader slot. The sensing devices enable detection of a fraudulent card reading device.Type: GrantFiled: April 30, 2007Date of Patent: October 7, 2008Assignee: Diebold Self-Service Systems a division of Diebold, IncorporatedInventors: Natarajan Ramachandran, Jeffery M. Enright, Dale H. Blackson
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Patent number: 7428983Abstract: 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.Type: GrantFiled: October 25, 2005Date of Patent: September 30, 2008Assignee: Hitachi-Omron Terminal Solutions Corp.Inventors: Akira Nomiyama, Riichi Katou
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Patent number: 7407091Abstract: An ATM can accept a bulk stack of currency notes for deposit from a customer. The ATM includes a stack transporter (400) that can rotate an accepted stack while relocating it to a predetermined location inside of the machine. The stack transporter includes a rotatable housing (406) in which a stack holder (404) is radially movable. The stack holder can receive a currency stack (411) deposited in a fascia opening (412) by a customer. The stack holder is retracted to move the stack away from the opening and into the housing to completely move the stack into the machine. The housing, having the bulk stack therein, is then rotated about an axis (408) to move the stack toward a stack processing area in the machine. The stack holder is then extended to expose a stack end out of the housing for stack processing.Type: GrantFiled: July 6, 2007Date of Patent: August 5, 2008Assignee: Diebold Self-Service Systems division of Diebold, IncorporatedInventors: H. Thomas Graef, Natarajan Ramachandran, Pedro Tula
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Patent number: 7404515Abstract: A automated banking machine (10) and method of operating the machine is provided. The method comprises causing with a terminal application, at least one transaction function device of the automated banking machine to operate through at least one communication with an XFS layer of the automated banking machine. The automated banking machine may include a cash dispenser and the transaction function may include dispensing cash. The method further comprises causing with at least one diagnostic application, at least one internal component of the at least one transaction function device to perform at least one function without communicating with the at least one transaction function device through the XFS layer. The internal function may include operating a motor or sensor of the cash dispenser.Type: GrantFiled: November 25, 2003Date of Patent: July 29, 2008Assignee: Diebold Self-Service Systems divison of Diebold, IncorporatedInventors: Steven Shepley, Sergio Pellegrini, Marcelo Soares de Castro, Glenda Griswold, Aarthi Rao, Kristin Stewart, Deborah Arney, James Block
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Patent number: 7406630Abstract: A system operates to receive status messages from banking machines (12) operating in a network (14). The messages are received by an event management system (20) operating at least one computer (54). The computer is in operative connection with a data store (52). The data store includes information representative of the banking machines in the network, status messages generated by the banking machines and actions to be taken including entities to be notified of conditions which cause status messages to be sent by the various banking machines. The event management system receives the messages and places them in a uniform standard message format for further processing by the system. A device status processing program (36) in the computer resolves an action to be taken responsive to the status message.Type: GrantFiled: April 21, 2006Date of Patent: July 29, 2008Assignee: Diebold, IncorporatedInventors: Robert Bradley Gill, Gaby Baghdadi, Robert D. Symonds, Irek Singer, Peter St. George, Roy Shirah, Timothy M. Stock
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Patent number: 7401264Abstract: A system operates to receive status messages from banking machines (12) operating in a network (14). The messages are received by an event management system (20) operating at least one computer (54). The computer is in operative connection with a data store (52). The data store includes information representative of the banking machines in the network, status messages generated by the banking machines and actions to be taken including entities to be notified of conditions which cause status messages to be sent by the various banking machines. The event management system receives the messages and places them in a uniform standard message format for further processing by the system. A device status processing program (36) in the computer resolves an action to be taken responsive to the status message.Type: GrantFiled: April 21, 2006Date of Patent: July 15, 2008Assignee: Diebold, IncorporatedInventors: Robert Bradley Gill, Gaby Baghdadi, Robert D. Symonds, Irek Singer, Peter St. George, Roy Shirah, Timothy M. Stock
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Patent number: 7392938Abstract: Apparatus and method for purchasing cash from an ATM. The ATM has a unique identifier visibly located thereon. A customer phone includes a camera and a programmable memory. The camera can be used to capture an image of the ATM's identifier. The memory includes customer account data. A customer uses their phone to establish wireless communication with a transaction host. The customer can transmit to the host a request for cash from the ATM. The request includes the account data and the image. The host can use the account data in payment for the requested cash. The host uses the image to identify the particular ATM associated with the request. After payment, the host causes the identified ATM to dispense the requested cash.Type: GrantFiled: March 6, 2007Date of Patent: July 1, 2008Assignee: Diebold, IncorporatedInventor: Natarajan Ramachandran
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Patent number: 7367492Abstract: An automated banking machine (10) includes a lockable first fascia portion (20) which when unlocked enables access to a chest lock input device (104), inputs to which enable opening a chest door (18) of the machine. Opening the first fascia portion also enables access to an actuator (116) which enables moving a second fascia portion (22) for conducting service activities. 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.Type: GrantFiled: July 29, 2005Date of Patent: May 6, 2008Assignee: Diebold Self-Service Systems Division of Diebold, IncorporatedInventors: Steven Shepley, Glenda Griswold
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Patent number: 7357305Abstract: A bill delivery apparatus for a wall-type automatic-teller machine according to the present invention is disposed between a cash receiving part and a cash handling part of the machine. The apparatus comprises a main body having a pair of plates spaced apart from each other at both sides thereof; a tray unit adapted to be lifted and lowered within the main body, for temporarily stacking bills introduced from the cash handling part therein; a stopper unit disposed in front of the tray unit to prevent the bills introduced from the cash handling part from deviating from the tray unit; a transfer unit disposed adjacent to the tray unit, for transferring the bills stacked in the tray unit to the cash receiving part; a driving unit for driving the tray unit, the stopper unit, and the transfer unit; and a recovering unit for storing untaken bills that has been returned from the cash receiving part.Type: GrantFiled: May 23, 2005Date of Patent: April 15, 2008Assignee: Nautilus Hyosung Inc.Inventors: Jin Hyuk Ahn, Won Joon Lee, Dong Sik Lee, You Hoon Yoon
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Patent number: 7357303Abstract: When using an inexpensive deposit box in a provided bill handling apparatus, bills that can be deposited are increased irrespective of a limit in the number of bills that can be stacked in the deposit box. In a bill handling apparatus including a bill deposit/withdrawal port for depositing/withdrawing bills, a bill discrimination section for discriminating bills, a temporary storage box for temporarily storing bills, a deposit box for accepting reject bills and bills other than pertinent bill kinds, bill acceptance boxes for accepting the pertinent bill kinds, bill transport paths for transporting bills, and a main control section for controlling the whole apparatus, the number of bills that can be deposited is increased by providing a section for counting bills transported to the deposit box and a section for temporarily stopping bill separation from the temporary storage box.Type: GrantFiled: June 30, 2004Date of Patent: April 15, 2008Assignee: Hitachi-Omron Terminal Solutions, Corp.Inventors: Yukie Taniyama, Yukihiro Taninaka
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Patent number: 7349566Abstract: An image processing network for processing image files and coupled to an outside data communication network comprising a plurality of remote image capture units, the units scanning documents and creating a plurality of image files of said documents; the image processing means is coupled to said plurality of remote image capture units for processing the image files; the accounting means is coupled to the image processing means for immediately updating accounts associated with said image processing means; and the plurality of remote capture units are coupled to the outside network, the outside data communication network is connected to outside financial institutions, the image processing means transmits said image files to the outside financial institutions via the data communication network and receives image files from the outside financial institutions over the network.Type: GrantFiled: March 20, 2003Date of Patent: March 25, 2008Assignee: Cummins-Allison Corp.Inventors: John E. Jones, Paul A. Jones, Ronald M. Gafron, William J. Jones, Douglas U. Mennie
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Patent number: 7347358Abstract: A method of depositing items of value, the method comprising 1) receiving a tamper evident and coded container holding the items of value, the code relating to the content of the container; 2) verifying that the package has been received in an acceptable manner, and, if it has, 3) either incrementing an account with the value of the items of value in the container by reference to the code and without opening the container, or, if the account has previously been incremented, leaving the account unchanged.Type: GrantFiled: November 22, 2002Date of Patent: March 25, 2008Assignee: De La Rue International, Ltd.Inventors: Philip Michael William Ireland, Alexander Charles Harold James, Karen Joan Cunningham, Pietro Armanini, Simon George Calverley
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Patent number: 7341177Abstract: 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.Type: GrantFiled: May 23, 2001Date of Patent: March 11, 2008Assignee: Diebold, IncorporatedInventors: Steven Shepley, Joseph Cwikla, Bryan Reed, James Block, Robert Usner, Jay Paul Drummond, Mark D. Smith
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Patent number: 7337951Abstract: Deposited cash is housed in a recycling housing portion after designating a sector defining whether or not withdrawal will be possible, amount data relating to the deposited amount being managed by counters based on the designated management sector, amount data relating to an amount withdrawn being managed by the counters when cash housed in the recycling housing portion is withdrawn based on a withdrawal instruction, and at least a portion of the cash housed in the recycling housing portion being conveyed to and housed in a cassette housing portion based on a transfer instruction input via a depositing and dispensing control panel.Type: GrantFiled: February 27, 2002Date of Patent: March 4, 2008Assignee: Fujitsu LimitedInventors: Katsuhiko Uchiyama, Tsutomu Uematsu, Kazushi Watari, Takahiko Tanaka
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Patent number: 7328839Abstract: 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.Type: GrantFiled: October 21, 2004Date of Patent: February 12, 2008Assignee: International Business Machines CorporationInventors: Susann Marie Keohane, Gerald Francis McBrearty, Shawn Patrick Mullen, Jessica Murillo, Johnny Meng-Han Shieh
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Patent number: 7322518Abstract: A bill depositing/dispensing apparatus being fitted with a plurality of storing boxes for storing bills including a deposited bill box, an outgoing bill box, a recycle box, and an acceptance box with multi-compartments for sorted storing of bills. The acceptance box has a fitting mechanism common to at least one of a fitting mechanism of the deposited bill box, the outgoing bill box and the recycle box, and has a slot in a same position to at least one of the deposited bill box, the outgoing bill box and the recycle box. Further, the acceptance box has a plurality of storages for storing bills conveyed in through a common slot, and are arranged in a horizontal direction within the acceptance box. At least two storages of the plurality of storages are arranged with an inclination in a same direction relative to a bottom surface of the acceptance box.Type: GrantFiled: May 29, 2007Date of Patent: January 29, 2008Assignee: Hitachi-Omron Terminal Solutions, Corp.Inventors: Toshinori Yokoi, Atsuko Uozumi, Riichi Kato
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Patent number: 7316348Abstract: Apparatus and method for interfering with an unauthorized device attempting to acquire user identification information at a cash dispensing automated banking machine. The apparatus includes an emitter for emitting radiation at one or more frequencies to interfere with actual or suspected radiation transmitted from an unauthorized device in a proximity of the banking machine. The radiation may be substantially continually emitted or emitted responsive to a user supplying input to the machine. The radiation may be emitted over a plurality of frequencies within a frequency range associated with unauthorized devices. Additionally, the machine may include a sensing device for monitoring the nature and quality of unauthorized radiation.Type: GrantFiled: June 16, 2006Date of Patent: January 8, 2008Assignee: Diebold Self-Service Systems division of Diebold, IncorporatedInventors: Natarajan Ramachandran, Jeffery M. Enright, Dale H. Blackson
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Patent number: 7309005Abstract: An ATM currency cassette is adjustable to hold currency of different heights. An assembly is removably connected to the inside of the cassette lid. With the lid in the closed position the currency is maintained in a proper position by the assembly. The assembly is adjustable to achieve different spacing arrangements. The cassette can hold a first sized currency with a first spacing arrangement and a second sized currency with a second spacing arrangement.Type: GrantFiled: February 27, 2004Date of Patent: December 18, 2007Assignee: Diebold Self-Service Systems division of Diebold, IncorporatedInventors: Jon Washington, Eric VanKeulen, Gregory Spicer, H. Thomas Graef
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Patent number: 7306142Abstract: A card activated cash dispensing 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 card reader (22), a cash dispenser (24), and a receipt printer (20).Type: GrantFiled: December 26, 2006Date of Patent: December 11, 2007Assignee: Diebold Self-Service Systems, division of Diebold, IncorporatedInventors: Paul D. Magee, David A. Barker
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Patent number: 7299977Abstract: 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.Type: GrantFiled: March 10, 2004Date of Patent: November 27, 2007Assignee: Diebold Self-Service Systems, division of Diebold, IncorporatedInventors: Jeffrey Eastman, William D. Beskitt, H. Thomas Graef
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Patent number: 7249707Abstract: A bill depositing/dispensing apparatus convenient to use and capable of readily adapting itself to operations to handle many denominations and/or a large number of bills or operations to sort and handle a small number of bills is to be provided. Storing boxes differing in the purpose of use including a deposit box, a first acceptance box with multi-compartments, a second acceptance box with multi-compartments, recycle boxes and a loading/recovering box are configured to have a common external shape, inlet/outlet and driving unit, and a storing box selected according to the purpose of use is fitted to the bill depositing/dispensing apparatus.Type: GrantFiled: May 19, 2005Date of Patent: July 31, 2007Assignee: Hitachi-Omron Terminal Solutions, Corp.Inventors: Toshinori Yokoi, Atsuko Uozumi, Riichi Kato
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Patent number: 7240827Abstract: An automated banking machine (10) includes a lockable first fascia portion (20) which when unlocked enables access to a chest lock input device (104), inputs to which enable opening a chest door (18) of the machine. Opening the first fascia portion also enables access to an actuator (116) which enables moving a second fascia portion (22) for conducting service activities. A baffle structure (164) is positioned on the housing adjacent the second fascia portion to enable cooling air flow within the housing of the machine and to prevent the introduction of moisture into the housing. 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 a fraud device or unauthorized card reading devices.Type: GrantFiled: June 23, 2003Date of Patent: July 10, 2007Assignee: Diebold, IncorporatedInventors: Natarajan Ramachandran, Jeffery M. Enright, Dale H. Blackson
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Patent number: 7240829Abstract: An ATM can accept a bulk stack of currency notes for deposit from a customer. The ATM includes a stack transporter (400) that can rotate an accepted stack while relocating it to a predetermined location inside of the machine. The stack transporter includes a rotatable housing (406) in which a stack holder (404) is movable. The stack holder can receive a currency stack (411) deposited in a fascia opening (412) by a customer. The stack holder is retracted to move the stack away from the opening and into the housing to completely move the stack into the machine. The housing, having the bulk stack therein, is then rotated to move the stack away from the opening and toward a stack processing area in the machine. The stack holder is then extended to expose a stack end out of the housing for stack processing.Type: GrantFiled: June 27, 2006Date of Patent: July 10, 2007Assignee: Diebold Self-Service Systems, a division of Diebold, IncorporatedInventors: H. Thomas Graef, Natarajan Ramachandran, Pedro Tula
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Patent number: 7222782Abstract: An automated banking machine (10) includes a user interface (15) and a cash dispensing mechanism (220). A fascia (12) of the machine includes a pair of horizontally disposed convex mirrors (338, 340). The mirrors are used to enable a machine user to view the rear area (343) behind the machine user. The machine can move the mirrors into operative viewing position in response to machine user input. The machine also includes lights that can be selectively directed and illuminated to reduce the risk of observation of inputs to the machine by unauthorized persons. A rear area light source focuses light away from the machine user's line of sight to the user interface but toward the rear area (343) to obscure nonuser view of machine user input to the user interface.Type: GrantFiled: July 20, 2005Date of Patent: May 29, 2007Assignee: Diebold Self-Service Systems divsion of Diebold, IncorporatedInventors: Richard C. Lute, Jr., Jim Booth, Paul Magee, Donald S. Nelson, Jr.
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Patent number: 7219832Abstract: Methods, systems, and Automated Teller Machines (ATMs) are disclosed which provide ATM currency conversion capabilities. In one embodiment, a financial account number associated with a financial account maintained by a customer at a financial institution is received, a foreign currency type associated with the financial account is determined, and a choice is presented to the customer at the ATM to conduct a financial transaction in the foreign currency type. A currency selection is received from the customer and at least a portion of the financial transaction is conducted at the ATM in the selected currency.Type: GrantFiled: June 15, 2005Date of Patent: May 22, 2007Assignees: First Data Corporation, The Western Union CompanyInventors: Charles A. Fillinger, Barry O'Sullivan
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Patent number: 7219831Abstract: 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.Type: GrantFiled: April 28, 2005Date of Patent: May 22, 2007Assignee: Seiko Epson CorporationInventor: Sadao Murata
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Patent number: 7201312Abstract: A device is disclosed to invalidate banknotes in a unit equipped for the storage thereof, comprising an ignition unit (15) placed in the equipped unit (3) in a position adjacent to the banknotes (4) and suitable to generate a flame producing on the banknotes (4) localized burns (4a) of a pre-established and identifiable type, the ignition unit (15) being controlled by activation means (16) sensitive to alarm situations.Type: GrantFiled: September 29, 2004Date of Patent: April 10, 2007Assignee: M.I.B. S.p.A.Inventor: Giuseppe Ezio Fumanelli
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Patent number: 7175076Abstract: An automated banking machine is operative to enable users to operate the machine to carry out transactions such as the dispensing of cash. The exemplary machine provides audible instructions which are output through external loudspeakers, a headphone, or a handset. Rotation of a rotatable knob (372, 382) or other movable item causes the output of user selectable characters, transaction types and/or amounts corresponding to each respective position. The user selects the audible output produced in the current position of the knob for receipt by the machine as a transaction input by pressing on the knob. Characters and other selectable inputs corresponding to knob positions can be varied by the computer in the machine to reduce the risk of a criminal intercepting the user's inputs to the machine.Type: GrantFiled: July 6, 2005Date of Patent: February 13, 2007Assignee: Diebold Self-Service Systems division of Diebold, IncorporatedInventors: James Block, Paul D. Magee, Harold V. Putman, H. Thomas Graef
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Patent number: 7163144Abstract: A diagnostic server software component for an automated banking machine is provided. The diagnostic server is operative to periodically retrieve diagnostic messages from a nonvolatile memory of the machine and store the diagnostic messages on the hard drive of the machine. The software is further operative responsive to communication from an external computing device to send diagnostic messages stored on the hard drive to an external computing device. The software may further be operative to route transaction diagnostic messages between the machine and a remote host banking system. The software may retrieve the diagnostic messages directly from a specified memory address of the nonvolatile memory. The software may periodically communicate with terminal control software of the machine to cause the terminal control software to retrieve the diagnostic messages from the nonvolatile memory.Type: GrantFiled: June 27, 2005Date of Patent: January 16, 2007Assignee: Diebold, IncorporatedInventors: George Neville Trelawney, Sharad Handoo, Sathiya Moorthy Paramasivam, Udhaya Kumar Varadarajan, Madhusudhanan Moorthy, Arjumand Ara, Suresh Ramamoorthy, Rajesh Kumar Vijayakumar, Siva Kumar Subramanian, Paul Mercina
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Patent number: 7159767Abstract: A secure enclosure for an automated banking machine includes a safe chest portion and a moveable door. The door has mounted thereon a locking bolt work mechanism which is operable to secure the door in a closed position. The door is mounted to the chest with the use of hinge assemblies having respective hinge pins. The hinge assemblies enable the door to be selectively adjusted in up-down and right-left directions. The door can be moved in the up-down direction via an adjustable set screw operative to move vertically relative to a hinge pin. The door can be moved in the right-left direction via adjustable set screws operative to engage and pivot the hinge pin. Thus, the door can be aligned with the chest opening.Type: GrantFiled: November 9, 2004Date of Patent: January 9, 2007Assignee: Diebold Self-Service Systems, division of Diebold, IncorporatedInventors: Richard W. McCracken, Scott A. Mercer, Mark Bartolomeo, Howard Antram
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Patent number: 7156296Abstract: 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.Type: GrantFiled: March 10, 2004Date of Patent: January 2, 2007Assignee: Diebold Self-Service Systems, division of Diebold, IncorporatedInventors: Paul D. Magee, David A. Barker
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Patent number: 7156297Abstract: A secure enclosure for an automated banking machine includes a safe chest portion and a moveable door. The door has mounted thereon a locking bolt work mechanism which is operable to secure the door in a closed position. The door is mounted to the chest with the use of hinge assemblies having respective hinge pins. The hinge assemblies enable the door to be selectively adjusted in up-down and right-left directions. The door can be moved in the up-down direction via an adjustable set screw operative to move vertically relative to a hinge pin. The door can be moved in the right-left direction via adjustable set screws operative to engage and pivot the hinge pin. Thus, the door can be aligned with the chest opening.Type: GrantFiled: November 9, 2004Date of Patent: January 2, 2007Assignee: Diebold Self-Service Systems, division of Diebold, IncorporatedInventors: Richard W. McCracken, Scott A. Mercer, Mark Bartolomeo, Howard Antram
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Patent number: 7156298Abstract: A secure enclosure for an automated banking machine includes a safe chest portion and a moveable door. The door has mounted thereon a locking bolt work mechanism which is operable to secure the door in a closed position. The door is mounted to the chest with the use of hinge assemblies having respective hinge pins. The hinge assemblies enable the door to be selectively adjusted in up-down and right-left directions. The door can be moved in the up-down direction via an adjustable set screw operative to move vertically relative to a hinge pin. The door can be moved in the right-left direction via adjustable set screws operative to engage and pivot the hinge pin. Thus, the door can be aligned with the chest opening.Type: GrantFiled: November 9, 2004Date of Patent: January 2, 2007Assignee: Diebold Self-Service Systems, division of Diebold, IncorporatedInventors: Richard W. McCracken, Scott A. Mercer, Mark Bartolomeo, Howard Antram
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Patent number: 7139694Abstract: Method for transferring an electronic sum of money from a credit memory associated with a money sender to an account or to a credit memory associated with a money receiver via a telecommunications and data network in real time, the necessary connections being set up via a transaction server.Type: GrantFiled: August 7, 2001Date of Patent: November 21, 2006Assignee: Siemens AktiengesellschaftInventors: Michael Horn, Hans-Hermann Wolf
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Patent number: 7128314Abstract: A banknote dispensing device including a storage section for storing one or more banknotes, a discharging unit driven by a first motor for discharging banknotes one-by-one at a first speed, and a transporting unit driven by a second motor for receiving the discharged banknotes from the discharging unit and transporting the discharged banknotes at a second speed where the second speed is faster than the first speed, the one-way clutch permitting the discharged banknote to be continuously drawn at the second speed without damaging the discharged banknote. The banknote dispensing device includes one or more sensors connected to a control unit, the control unit determining whether the transported banknote is transported properly and turning off the motors in an error condition.Type: GrantFiled: August 25, 2003Date of Patent: October 31, 2006Assignee: Asahi Seiko Co., Ltd.Inventor: Joji Iida
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Patent number: 7111776Abstract: 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.Type: GrantFiled: March 10, 2004Date of Patent: September 26, 2006Assignee: Diebold Self-Service Systems division of Diebold, IncorporatedInventors: Daniel Schoeffler, Dave Kraft, Zachary Utz, Randall Jenkins, Timothy Watson, Walter J. Szabat
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Patent number: 7093749Abstract: An automated transaction machine including an extensions for financial services (XFS) layer is provided. An application interface portion of the XFS layer is operative to communicate with an application layer of the ATM which may include terminal applications. A hardware interface portion of the XFS layer is operative to communicate with a hardware layer of the ATM which may include hardware devices of the ATM and associated service providers. A diagnostic application is operative to determine whether problems exist in the application layer or the hardware layer of the ATM by causing a plurality of hardware devices to perform predefined operations using the XFS layer and by monitoring the operations. The diagnostic application is operative to output a determination as to whether a problem with the ATM is associated with the components of the application or hardware layers of the ATM responsive to the success or failure of the operations.Type: GrantFiled: November 24, 2003Date of Patent: August 22, 2006Assignee: Diebold Self-Service Systems, divison of Diebold, IncorporatedInventors: James Block, Steven Shepley
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Patent number: 7093750Abstract: An automated transaction machine including an extensions for financial services (XFS) layer is provided. An application interface portion of the XFS layer is operative to communicate with an application layer of the ATM which may include terminal applications. A hardware interface portion of the XFS layer is operative to communicate with a hardware layer of the ATM which may include hardware devices of the ATM and associated service providers. A diagnostic application is operative to determine whether problems exist in the application layer or the hardware layer of the ATM by causing a plurality of hardware devices to perform predefined operations using the XFS layer and by monitoring the operations. The diagnostic application is operative to output a determination as to whether a problem with the ATM is associated with the components of the application or hardware layers of the ATM responsive to the success or failure of the operations.Type: GrantFiled: November 24, 2003Date of Patent: August 22, 2006Assignee: Diebold Self-Service Systems, division of Diebold, IncorporatedInventors: James Block, Steven Shepley
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Patent number: 7051926Abstract: A combination banknote validator, banknote accumulator, banknote storage cassette and banknote dispenser is designed in a modular manner and the accumulator and banknote dispenser cooperate to additionally define part of a processing pathway therebetween. The banknotes can move in either direction along the processing pathway and preferably several accumulators are located along the pathway. The banknote dispenser is of a rotary design and stacks banknotes on the surface thereof and dispenses a stack of banknotes through a discharge opening.Type: GrantFiled: March 2, 2001Date of Patent: May 30, 2006Assignee: CashCode Company Inc.Inventors: Leon Saltsov, Sergiy Bukhman, Dmytro Baydin, Bogdan Mishunin, Oleksandr Onipchenko, Boris Gisar, Sergiy Androsyuk
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Patent number: 7044367Abstract: 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.Type: GrantFiled: March 10, 2004Date of Patent: May 16, 2006Assignee: Diebold Self - Service Systems division of Diebold, IncorporatedInventor: Gregory Fockler
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Patent number: 7040534Abstract: 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.Type: GrantFiled: March 10, 2004Date of Patent: May 9, 2006Assignee: Diebold Self-Service SystemsInventors: Kenneth Turocy, Robert W. Barnett
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Patent number: 7036048Abstract: A system operates to receive status messages from banking machines (12) operating in a network (14). The messages are received by an event management system (20) operating at least one computer (54). The computer is in operative connection with a data store (52). The data store includes information representative of the banking machines in the network, status messages generated by the banking machines and actions to be taken including entities to be notified of conditions which cause status messages to be sent by the various banking machines. The event management system receives the messages and places them in a uniform standard message format for further processing by the system. A device status processing program (36) in the computer resolves an action to be taken responsive to the status message.Type: GrantFiled: June 27, 2002Date of Patent: April 25, 2006Assignee: Diebold, IncorporatedInventors: Robert Bradley Gill, Gaby Baghdadi, Robert D. Symonds, Irek Singer, Peter St. George, Roy Shirah, Timothy M. Stock