Automated banking machine that operates responsive to data bearing records
View Patent ↗An automated banking machine controlled responsive to data bearing records includes a card reader that reads identifying data from a user card. The automated banking machine is operative to receive and display on a display device of the automated banking machine, electronic documents for the user. The automated banking machine may digitally sign the electronic document for the user of the machine. The automated banking machine may be in operative connection with a storage server. The storage server is operative responsive to the automated banking machine to maintain electronic documents in a data store in association with the user's financial account such as checking, savings, debit, or credit account.
1. An apparatus comprising:
an automated banking machine that operates responsive at least in part to data bearing records including:
at least one computer processor;
a card reader, wherein the at least one computer processor is operative to cause the card reader to read data from at least one data bearing record corresponding to a financial account number of a user operating the automated banking machine;
a cash dispenser in operative connection with the at least one computer processor, wherein the at least one computer processor is operative to cause the cash dispenser to dispense cash responsive at least in part to at least one communication between the automated banking machine and a host banking system, which at least one communication includes the financial account number;
at least one input device in operative connection with the at least one computer processor;
at least one display device in operative connection with the at least one computer processor, wherein the at least one computer processor is operative to cause the at least one display device to output a visual representation of at least one electronic document;
wherein the at least one computer processor is operative responsive at least in part to at least one input from the at least one input device to cause the at least one electronic document for which the visual representation is outputted through the at least one display device to be digitally signed and stored in at least one data store in correlated relation with the financial account number read by the card reader, which at least one data store is remote from the automated banking machine and is accessible to at least one server operative to provide access through the Internet to financial information associated with the financial account number, which financial information includes at least one visual image of the at least one electronic document stored in the at least one data store.
2. The apparatus according to claim 1 , further comprising:
the at least one data store;
the at least one server in operative connection with the at least one data store, wherein the at least one server is operative to provide instructions for displaying at least one web page through a browser, which web page displays the at least one image of the at least one electronic document stored in the at least one data store.
3. The apparatus according to claim 2 , wherein the at least one server is operative to enable a user associated with the financial account number to provide a password through operation of a remote computer, wherein the remote computer includes the browser.
4. The apparatus according to claim 3 , wherein the financial account number is a checking account number.
5. The apparatus according to claim 4 , wherein the financial account number is a savings account number.
6. The apparatus according to claim 3 , wherein the financial account number is a credit card account number.
7. The apparatus according to claim 3 , wherein the financial account number is a debit card account number.
8. The apparatus according to claim 1 , wherein the data bearing record includes at least one of a bank card, a credit card, and a debit card.
9. The apparatus according to claim 1 , wherein the at least one electronic document is representative of a contract.
10. The apparatus according to claim 1 , wherein the at least one electronic document is representative of a loan.
11. The apparatus according to claim 1 , wherein the at least one electronic document is representative of a mortgage.
12. The apparatus according to claim 1 , wherein the automated banking machine is operative to acquire the at least one electronic document from a user.
13. The apparatus according to claim 12 , wherein the automated banking machine includes a depository mechanism.
14. The apparatus according to claim 13 , wherein the depository mechanism is operative to receive a deposit of a document.
15. The apparatus according to claim 14 , wherein the depository mechanism is operative to receive a check.
16. An apparatus comprising:
an automated banking machine that operates responsive at least in part to data bearing records including:
at least one computer processor;
a card reader, wherein the at least one computer processor is operative to cause the card reader to read data from at least one data bearing record corresponding to a financial account number of a user operating the automated banking machine;
a cash dispenser in operative connection with the at least one computer processor, wherein the at least one computer processor is operative to cause the cash dispenser to dispense cash responsive at least in part to at least one communication between the automated banking machine and a host banking system, which at least one communication includes the financial account number;
at least one input device in operative connection with the at least one computer processor;
at least one display device in operative connection with the at least one computer processor, wherein the at least one computer processor is operative to cause the at least one display device to output a visual representation of at least one electronic document;
wherein the at least one computer processor is operative responsive at least in part to at least one input from the at least one input device to cause the at least one electronic document for which the visual representation is outputted through the al least one display device to be stored in at least one data store in correlated relation with the financial account number read by the card reader, which at least one data store is remote from the automated banking machine and is accessible to at least one server operative to provide access through the Internet to financial information associated with the financial account number, which financial information includes at least one visual image of the at least one electronic document stored in the at least one data store.
17. The apparatus according to claim 16 , further comprising:
the at least one data store;
the at least one server in operative connection with the at least one data store, wherein the at least one server is operative to provide instructions for displaying at least one web page through a browser, which web page displays the at least one image of the at least one electronic document stored in the at least one data store.
18. An apparatus comprising:
an automated banking machine that operates responsive at least in part to data bearing records including:
at least one card reader;
at least one sheet dispenser;
at least one input device; and
at least one display device; and
at least one processor,
wherein the at least one processor is operable to cause the at least one card reader to communicate to the at least one processor, data read from at least one data bearing record corresponding to a financial account number of a user operating the automated banking machine;
wherein the at least one processor is operable to cause the at least one sheet dispenser to dispense at least one sheet responsive at least in part to at least one communication between the at least one processor and a host banking system, which at least one communication includes the financial account number;
wherein the at least one processor is operable to cause the at least one display device to output a visual representation of at least one electronic document; and
wherein the at least one processor is operable responsive at least in part to at least one input from the at least one input device to cause the at least one electronic document for which the visual representation is outputted through the at least one display device to be stored in at least one data store in correlated relation with the financial account number read by the at least one card reader, which at least one data store is remote from the automated banking machine and is accessible to. at least one server operable to provide access through the Internet to financial information associated with the financial account number, which financial information includes at least one visual image of the at least one electronic document stored in the at least one data store.