System controlled by data bearing records including check accepting and cash dispensing automated banking machine
View Patent ↗A banking system controlled responsive to data bearing records includes an automated banking machine which includes a deposit accepting device. Data read from a user card through operation of a card reader in the machine is used to determine if the data on the card corresponds to an account of an authorized machine user. 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. The machine operates to identify malfunctions of the deposit accepting device.
1. Apparatus comprising:
an automated banking machine operative responsive at least in part to data bearing records, including:
a housing;
a card reader in operatively supported connection with the housing, wherein the card reader is operative to read indicia on user cards corresponding to financial accounts;
a display in operatively supported connection with the housing;
a cash dispenser in operatively supported connection with the housing;
a deposit accepting device in operatively supported connection with the housing, wherein the deposit accepting device includes a magnetic sensing subsystem including magnetic sensing circuitry and at least one magnetic read head operative to read magnetic micr line data on checks, and wherein the magnetic sensing circuitry is in operative connection with the at least one magnetic read head;
at least one electromagnetic radiation source within the housing,
wherein operation of the at least one electromagnetic radiation source causes at least some electromagnetic radiation to reach the magnetic sensing subsystem, which is positioned relative to the at least one electromagnetic radiation source;
at least one processor within the housing,
wherein the at least one processor is in operative connection with the card reader, the display, the cash dispenser, the deposit accepting device, the magnetic sensing subsystem, and the at least one electromagnetic radiation source;
wherein the at least one processor is operative to cause the automated banking machine to operate to carry out financial transactions associated with financial accounts corresponding to data read from the user cards through operation of the card reader;
wherein the at least one processor is operative to cause operation of the at least one electromagnetic radiation source during both
when the automated banking machine is carrying out a financial transaction, and
when the automated banking machine is not carrying out a financial transaction;
wherein the at least one processor is operative
to analyze at least one level of electromagnetic radiation
that was caused by operation of the at least one electromagnetic radiation source when the automated banking machine was not carrying out a financial transaction, and
that was positively sensed through operation of the magnetic sensing subsystem,
in determining whether the magnetic sensing subsystem has a reduced ability to sense electromagnetic radiation caused by operation of the at least one electromagnetic radiation source.
2. The apparatus according to claim 1 wherein the at least one processor is operative to cause at least one comparison of the at least one level of electromagnetic radiation sensed through the magnetic sensing subsystem from the at least one electromagnetic radiation source, and at least one reference value.
3. The apparatus according to claim 1 wherein the at least one processor is operative to cause the at least one electromagnetic radiation source to change between a first operative condition in which the at least one electromagnetic radiation source operates, and a second operative condition in which the at least one electromagnetic radiation source does not operate, wherein the at least one processor is operative to cause at least one comparison of the at least one level when the at least one electromagnetic radiation source is in the first operative condition and when the at least one electromagnetic radiation source is in the second operative condition.
4. The apparatus according to claim 3 wherein the at least one electromagnetic radiation source comprises an electric motor within the housing of the automated banking machine.
5. The apparatus according to claim 4 wherein the automated banking machine further includes at least one sheet transport within the housing of the machine, wherein the electric motor is operative to move at least one component of the at least one sheet transport.
6. The apparatus according to claim 5 wherein the at least one processor is operative when the at least one electromagnetic radiation source is in the first operative condition to cause the at least one sheet transport to operate without moving any sheets and to operate at a time when the automated banking machine is not carrying out a financial transaction.
7. The apparatus according to claim 6 wherein the at least one processor is operative when the electric motor in the second operative condition, to cause to be stored in at least one data store at least one reference value, and wherein the at least one processor is operative to cause to be compared the at least one level sensed when the motor is in the first operative condition, and the at least one reference value.
8. The apparatus according to claim 1
wherein the machine includes a first transaction function device,
wherein the at least one electromagnetic radiation source comprises an electric motor in the housing, wherein the electric motor is arranged to drive the first transaction function device,
wherein the at least one processor is in operative connection with the electric motor,
wherein the at least one processor is operable to cause the electric motor to drive the first transaction function device when the first transaction function device is needed by the machine to carry out a user transaction with the machine,
wherein the at least one processor is operable to cause the electric motor to drive the first transaction function device while the machine is not carrying out a user transaction, to cause the at least one level of electromagnetic radiation to be emitted by the electric motor.
9. The apparatus according to claim 1 , wherein the at least one processor is operative to analyze at least one level of electromagnetic radiation
that was emitted from the at least one electromagnetic radiation source, and
that was emitted only while the automated banking machine was not carrying out a user transaction.
10. The apparatus according to claim 1 wherein the at least one electromagnetic radiation source includes an electric motor, wherein the operation of the electric motor causes the electromagnetic radiation to be emitted.
11. A method of operation of an automated banking machine, wherein the automated banking machine is operable to carry out financial transactions responsive at least in part to data included on data bearing records, comprising:
(a) operating an automated banking machine including:
a card reader operative to read indicia on cards, wherein the indicia corresponds to financial accounts;
a cash dispenser operative to dispense cash from the automated banking machine;
a check acceptor operative to read micr line data on checks,
wherein the check acceptor includes a magnetic sensing subsystem including
a magnetic read head operative to read micr line data on checks, and
magnetic indicia sensing circuitry,
wherein the magnetic indicia sensing circuitry is in operative connection with the magnetic read head;
at least one electromagnetic radiation emitter,
wherein operation of the at least one electromagnetic radiation emitter causes at least some electromagnetic radiation to reach the magnetic sensing subsystem,
wherein the machine is operable to cause operation of the at least one electromagnetic radiation emitter while the automated banking machine is carrying out a financial transaction,
wherein the machine is operable to cause operation of the at least one electromagnetic radiation emitter while the automated banking machine is not carrying out a financial transaction;
wherein the operating occurs while the automated banking machine is not carrying out a financial transaction;
wherein the operating causes the at least one electromagnetic radiation emitter to operate;
(b) operating at least one processor
to cause radiation
that was caused by the operation of the at least one electromagnetic radiation emitter in (a), and
that was positively sensed through the magnetic sensing subsystem,
to be analyzed in determining whether the magnetic sensing subsystem has a reduced ability to sense electromagnetic radiation caused by operation of the at least one electromagnetic radiation emitter.
12. The method according to claim 11 wherein in (b) the at least one processor is operative to determine at least one condition of the magnetic sensing subsystem.
13. The method according to claim 12 wherein (a) includes causing through operation of the at least one processor, the at least one emitter to be in a first operative condition and in a second operative condition;
and wherein (b) includes causing the magnetic sensing subsystem to operate when the at least one emitter is in the first operative condition and in the second operative condition.
14. The method according to claim 13 wherein the at least one emitter emits electromagnetic radiation in the first operative condition, and in the second operative condition the at least one emitter does not emit electromagnetic radiation.
15. The method according to claim 11 wherein in (a) the at least one emitter includes an electric motor,
wherein the machine includes a first transaction function device,
wherein the electric motor is arranged to drive the first transaction function device,
wherein the machine is operable to cause the electric motor to drive the first transaction function device when needed to carry out a user transaction with the machine,
wherein the machine is operable to cause the electric motor to drive the first transaction function device while the machine is not carrying out a user transaction, to cause the radiation to be emitted from the electric motor.
16. The method according to claim 15 wherein the first transaction function device comprises a sheet transport in the machine, and wherein in (a) the electric motor drives the sheet transport without moving any sheets.
17. The method according to claim 15 wherein (a) includes operation of the electric motor to drive the first transaction function device, and wherein the operation of the electric motor causes the radiation to be emitted.
18. A method of operation of an automated banking machine, wherein the automated banking machine is operable to carry out financial transactions responsive at least in part to data included on data bearing records,
(a) operating an automated banking machine that includes:
at least one reader operative to read user data usable to identify a financial account on which a financial transaction can be carried out;
a cash dispenser operative to dispense cash from the automated banking machine;
a financial document acceptor operative to read magnetic indicia on financial documents,
wherein the financial document acceptor includes
a magnetic sensing subsystem including a magnetic read head operative to read magnetic indicia on financial documents, and
magnetic indicia sensing circuitry,
wherein the circuitry is in operative connection with the magnetic read head;
at least one electromagnetic radiation emitter,
wherein operation of the at least one electromagnetic radiation emitter causes at least some electromagnetic radiation to reach the magnetic sensing subsystem,
wherein the machine is operable to cause operation of the at least one electromagnetic radiation emitter while the automated banking machine is carrying out a financial transaction,
wherein the machine is operable to cause operation of the at least one electromagnetic radiation emitter while the automated banking machine is not carrying out a financial transaction;
wherein the operating causes the at least one electromagnetic radiation emitter to operate while the automated banking machine is not carrying out a financial transaction;
(b) operating at least one processor
to cause radiation
that was caused by the operation of the at least one electromagnetic radiation emitter in (a), and
that was positively sensed through the magnetic indicia sensing subsystem
to be analyzed in determining whether the magnetic sensing subsystem has a reduced ability to sense electromagnetic radiation caused by operation of the at least one electromagnetic radiation emitter.
19. The method according to claim 18 wherein the at least one electromagnetic radiation emitter includes an electric motor,
wherein the machine includes a first transaction function device,
wherein the electric motor is arranged to drive the first transaction function device,
wherein the machine is operable to cause the electric motor to drive the first transaction function device in carrying out a user transaction with the machine,
wherein the machine is operable to cause the electric motor to drive the first transaction function device while the machine is not carrying out a user transaction, to cause the radiation to be emitted from the electric motor,
wherein (a) includes operation of the electric motor to drive the first transaction function device, and wherein the operation of the electric motor causes the radiation to be emitted.
20. A method comprising:
(a) operating at least one computer to cause a function device of an automated banking machine to operate while the machine is not being used by a customer,
wherein operation of the function device causes electromagnetic radiation to be emitted,
wherein the function device is operable to perform at least one machine function in the machine,
wherein the at least one computer is operative to cause operation of the function device during both
use of the machine by a customer, and
non use of the machine by a customer,
wherein the machine includes at least one data reader operable to read customer data usable to identify a financial account associated with a customer of the machine,
wherein the machine includes a check acceptor including a magnetic sensing subsystem,
wherein the magnetic sensing subsystem includes
a magnetic read head operable to read micr line data on a check, and
magnetic sensing circuitry in operative connection with the magnetic read head,
wherein the magnetic sensing subsystem is positioned relative to the function device in a manner that causes at least some electromagnetic radiation emitted by operation of the function device to reach the magnetic sensing subsystem;
(b) operating the at least one computer to analyze at least one level of electromagnetic radiation emitted in (a) that was sensed by the magnetic sensing subsystem; and
(c) operating the at least one computer to determine responsive at least in part to the analysis in (b), whether the magnetic sensing subsystem has a reduced ability to sense electromagnetic radiation.
21. The method according to claim 20 wherein in (a) the function device comprises an electric motor in the machine.
22. The method according to claim 20 wherein in (b) includes operating the at least one computer to cause analysis of at least one level of electromagnetic radiation emitted in (a) that was positively sensed by the magnetic sensing subsystem.
23. A method comprising:
(a) operating at least one computer to cause operation of at least one electric motor of an automated banking machine,
wherein the machine is operable to carry out financial transactions responsive at least in part to data read from data bearing records,
wherein the machine includes at least one data reader operable to read user data usable to identify a financial account associated with a user of the machine,
wherein the machine includes a check acceptor including a magnetic sensing subsystem,
wherein the magnetic sensing subsystem includes
a magnetic read head operable to read micr line data on a check, and
magnetic sensing circuitry in operative connection with the magnetic read head,
wherein the at least one electric motor is operable to drive at least one transaction function device of the machine,
wherein operation of the at least one electric motor causes both electromagnetic radiation to be emitted and at least some emitted electromagnetic radiation to reach the magnetic sensing subsystem,
wherein during a first machine operation the at least one electric motor is caused to operate during a user transaction being carried out with the machine,
wherein during a second machine operation the at least one electric motor is caused to operate during no user transaction being carried out with the machine,
wherein during a third machine operation the at least one electric motor is prevented from operating,
wherein the operating of the at least one computer causes operation of the at least one electric motor during the second machine operation; and
(b) operating the at least one computer to cause at least one level of electromagnetic radiation sensed by the magnetic sensing subsystem only during the second machine operation, to be analyzed in determining whether the magnetic sensing subsystem is malfunctioning.
24. The method according to claim 23 wherein in (b) includes operating the at least one computer to cause analysis of at least one level of electromagnetic radiation that was positively sensed by the magnetic sensing subsystem.