Banking system controlled by data bearing records
View Patent ↗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.
1. Apparatus configured for use in a banking system controlled responsive to data bearing records, comprising:
a deposit accepting machine operative to receive deposit items, wherein the deposit items include cash, wherein the deposit accepting machine includes:
at least one data bearing record reading device;
a housing,
wherein the housing includes an opening operative to receive deposit items into the housing,
wherein the housing further includes a chest portion, wherein the chest portion is disposed from the opening, and wherein deposit items received in the opening of the housing move from the opening and are stored in the chest portion,
wherein the at least one data bearing record reading device includes a radio frequency identification (RFID) reading device, wherein the RFID reading device is operative to read at least one RFID signal from an RFID output device operatively connected with a deposit item in the housing, wherein the at least one RFID signal corresponds to data associated with the deposit item.
2. The apparatus according to claim 1 wherein the housing further includes an area operatively intermediate within the housing of the opening and the chest portion, wherein deposit items received through the opening move through the area prior to being positioned in the chest portion, and wherein the RFID reading device is operative to read the at least one RFID signal from the deposit item when the deposit item moves through the area.
3. The apparatus according to claim 2 wherein the at least one RFID signal corresponds to a financial account associated with an entity owning the deposit item.
4. The apparatus according to claim 3 wherein the at least one RFID signal corresponds to content of the deposit item.
5. The apparatus according to claim 4 wherein the at least one RFID signal corresponds to at least one value associated with the deposit item.
6. The apparatus according to claim 5 wherein the at least one RFID signal corresponds to an amount of cash included in the deposit item.
7. The apparatus according to claim 6 wherein the at least one RFID signal corresponds to a number and type of currency bills included in the deposit item.
8. The apparatus according to claim 7 wherein the at least one RFID signal corresponds to number and type of coins included in the deposit item.
9. The apparatus according to claim 1 wherein the at least one RFID signal corresponds to data on at least one check included in the deposit item.
10. The apparatus according to claim 9 wherein the at least one RFID signal corresponds to at least one image of the at least one check included in the deposit item.
11. The apparatus according to claim 2 and further comprising at least one antenna, wherein the at least one antenna is operative to receive RFID signals from the RFID output device, and wherein the at least one antenna is in operative connection with the RFID reading device, and wherein the at least one antenna extends in generally surrounding relation of the area.
12. The apparatus according to claim 1 and further comprising at least one computer, wherein the at least one computer is in operative connection with the RFID reading device, and wherein the at least one computer is operative to determine at least one amount of cash included in the deposit item.
13. The apparatus according to claim 12 wherein the at least one computer is operative to determine a number and type of currency bills included with the deposit item.
14. The apparatus according to claim 12 wherein the at least one computer is operative to calculate at least one amount of cash needed by a facility for operation during a future time period, and wherein the at least one computer is operative to determine the at least one amount of cash needed responsive to the number and type of currency bills included in the deposit item.
15. The apparatus according to claim 12 wherein the at least one RFID signal corresponds to a financial account, wherein the at least one computer is operative to cause the financial account to be credited with the at least one amount of cash.
16. The apparatus according to claim 1
wherein the deposit accepting machine further includes:
wherein the at least one data bearing record reading device further includes a card reader,
wherein the card reader is operative to read data on user cards;
a door,
wherein the door is movably mounted in operatively supported connection with the housing,
wherein the door is movable to control access into the housing through the opening;
a lock,
wherein the lock is in operative connection with the door;
at least one processor,
wherein the at least one processor is in operative connection with the card reader and the lock,
wherein the at least one processor is operative to cause the lock to enable the door to provide access into the housing responsive to data read from a card through operation of the card reader.
17. The apparatus according to claim 12 wherein the at least one computer is in operative connection with at least one data store, wherein prior to receipt of the deposit item in the machine, the at least one data store includes data corresponding to the at least one RFID signal from the RFID output device associated with the deposit item and the amount of cash included in the deposit item;
and further comprising a network, wherein the at least one computer is in operative connection with the network, wherein the at least one computer receives the data corresponding to the at least one RFID signal and the amount of cash through the network.
18. The apparatus according to claim 17 and further comprising:
a remote computer, wherein the remote computer is disposed from the machine and the at least one computer, wherein the remote computer is in operative connection with the network,
wherein the remote computer is operative to communicate the data corresponding to the at least one RFID signal and the amount of cash through the network to the at least one computer prior to receipt of the deposit item in the machine.
19. The apparatus according to claim 1 wherein the at least one RFID signal corresponds to at least one credit slip included in the deposit item.
20. The apparatus according to claim 1 , wherein the at least one RFID signal corresponds to a number and type of currency bills included in the deposit item, and further comprising:
at least one computer,
wherein the at least one computer is in operative connection with the machine,
wherein the at least one computer is operative to calculate at least one amount of cash needed for operation of a facility during a future time period, and
wherein the at least one computer is operative to determine the at least one amount of cash responsive to data including the number and type of currency bills included in the deposit item.
21. Apparatus configured for use in a banking system controlled responsive to data bearing records, comprising:
a machine operative to receive financial deposit items, wherein the financial deposit items include cash,
wherein the machine includes a housing,
wherein the housing includes a deposit accepting opening, wherein the deposit accepting opening is configured to accept deposit items,
wherein the housing includes a chest portion, wherein the chest portion is configured to hold deposit items placed within the housing through the opening,
wherein the housing includes an area intermediate of the opening and the chest portion, wherein deposit items placed in the housing through the opening are movable through the area to the chest portion,
wherein the machine includes at least one radio frequency identification (RFID) antenna, wherein the at least one RFID antenna extends in generally surrounding relation of the area,
at least one data bearing record reading device,
wherein the at least one data bearing record reading device includes a card reader, wherein the card reader is operative to read data on user cards corresponding to financial accounts,
wherein the at least one data bearing record reading device further includes at least one RFID reading device, wherein the at least one RFID reading device is in operative connection with the at least one RFID antenna,
wherein the at least one RFID reading device is operative to read at least one RFID signal from RFID output devices operatively connected with deposit items in the area,
wherein the at least one RFID signal read from RFID output devices corresponds to at least one cash value associated with cash included in a respective deposit item,
at least one computer,
wherein the at least one computer is in operative connection with the card reader and the at least one RFID reading device,
wherein the at least one computer is operative to cause a financial account corresponding to data read from a card through operation of the card reader to be credited with at least one cash value responsive to at least one RFID signal read by the at least one RFID reading device from an RFID output device operatively connected with a deposit item deposited in the housing through the opening.