Banking system controlled responsive to data read from data bearing records
View Patent ↗An automated banking machine operates responsive to data bearing records. The automated banking machine includes a card reader that reads card data from a user card. The read card data corresponds to a financial account and is used to authorize the machine user to carry out a transaction on the financial account. The automated banking machine includes a display and a printer to produce records of a financial transaction carried out with the card reader. The automated banking machine also includes a validator arrangement including a currency note validator which reads data from a currency note in determining validity of the note. The note validator, while remaining supported by the machine, is slidable to extend outside of the machine where it can be pivoted to an orientation at which it can be serviced.
1. Apparatus comprising:
a banking system comprising:
at least one automated banking machine,
wherein the at least one automated banking machine includes a banking machine,
wherein the banking machine is operative to cause financial transfers responsive at least in part to data provided by machine users,
wherein the banking machine includes:
at least one data reader device,
wherein the at least one data reader device operative to read customer identification data provided by a machine user,
a cash dispenser,
wherein the cash dispenser is operative to cause stored cash to be dispensed, and
at least one display device,
a currency note reader assembly,
wherein the currency note reader assembly includes an assembly opening sized to receive at least one currency note therethrough,
wherein the currency note reader assembly includes a currency note validator,
an enclosure,
wherein the enclosure includes a plurality of walls and an interior area,
wherein a wall of the plurality of walls includes a currency slot that is sized to receive at least one currency note therethrough,
wherein the enclosure includes slides mounted in the interior area,
a movable tray in operatively sliding and supported connection with the slides,
wherein the tray is movable with respect to the slides between a tray retracted position and a tray extended position,
wherein in the tray retracted position, the tray is located inside of the interior area,
wherein in the tray extended position, at least part of the tray is located outside of the interior area,
a component rack supported by the tray,
wherein tray support of the rack causes the rack to move with the tray when the tray moves with respect to the slides,
wherein the rack supports the currency note reader assembly,
wherein the rack supports a removable currency cassette in a cassette position which allows the cassette to receive currency notes validated by the validator,
wherein the rack while supporting the cassette and the validator, is movable with the tray between the tray extended position and the tray retracted position,
wherein the rack while supporting the cassette and the validator, is pivotable relative to the tray about an axis between a service orientation and an operation orientation,
wherein with the rack in the service orientation and with the tray in the tray extended position, the cassette is accessible by a machine servicer,
wherein with the rack in the operation orientation and with the tray in the tray retracted position, the assembly opening is located adjacent to the currency slot,
at least one computer associated with the banking machine,
wherein the at least one computer is in operative connection with the at least one data reader device, the cash dispenser, the at least one display device, and the validator,
wherein the at least one computer is operative to
cause customer identification data to be read through operation of the at least one data reader device,
cause read customer identification data to be compared with authorized machine user identification data stored in an authorized machine user information data store, and
cause cash to be dispensed from the machine through operation of the cash dispenser,
wherein the at least one computer is operative to allow a machine user to request a cash dispense transaction responsive at least in part to the machine user being recognized as an authorized user of the machine based at least in part on computer-determined correspondence between
customer identification data read by the at least one data reader device, and
authorized Machine user identification data stored in the authorized machine user information data store,
wherein the at least one computer is operative to cause a financial account to be assessed a value associated with cash dispensed.
2. The apparatus according to claim 1 wherein the at least one automated banking machine comprises a plurality of banking machines,
wherein each banking machine includes at least one data reader device,
wherein the at least one data reader device includes a card reader and a biometric reader,
wherein each banking machine includes at least one computer,
wherein the at least one computer is operative during a transaction to
cause card data to be read from a user card through operation of the card reader, and
cause biometric data to be read from a user through operation of the biometric reader,
wherein the at least one computer is operative to cause the read card data to be compared with card information stored in the authorized machine user information data store,
wherein the at least one computer is operative to cause the read biometric data to be compared with biometric information stored in the authorized machine user information data store,
wherein a customer is authorized to request the cash dispense transaction responsive at least in part to both
computer-determined correspondence between the read card data and stored card information, and
computer-determined correspondence between the read biometric data and stored biometric information.
3. An automated banking machine including:
a currency note reader assembly,
wherein the currency note reader assembly includes an assembly opening sized to receive at least one currency note therethrough,
wherein the currency note reader assembly includes a currency note validator,
an enclosure, wherein the enclosure includes:
a plurality of walls and an interior area,
wherein a wall of the plurality of walls includes a currency slot,
wherein the currency slot is sized to receive at least one currency note therethrough,
slides mounted in the interior area,
a movable tray in operatively sliding and supported connection with the slides,
wherein the tray is movable with respect to the slides between a tray retracted position and a tray extended position,
wherein in the tray retracted position, the tray is located inside of the interior area,
wherein in the tray extended position, at least part of the tray is located outside of the interior area,
a component rack supported by the tray,
wherein tray support of the rack causes the rack to move with the tray when the tray moves with respect to the slides,
wherein the rack supports the currency note reader assembly,
wherein the rack is configured to support a removable currency cassette in a cassette position adjacent to the validator,
wherein the rack while supporting the cassette and the validator, is movable with the tray between the tray extended position and the tray retracted position,
wherein the rack while supporting the cassette and the validator, is pivotable relative to the tray about an axis between a service orientation and an operation orientation,
wherein with the rack in the service orientation and with the tray in the tray extended position, the cassette position is accessible by a machine servicer,
wherein with the rack in the operation orientation and with the tray in the tray retracted position, the assembly opening is in a location adjacent to the currency slot,
wherein the location allows the cassette to receive currency notes validated by the validator which were received through the currency slot.
4. The apparatus according to claim 3
wherein the tray includes opposed sides,
wherein at least one side includes a curved slot,
wherein the curved slot is bounded by at least one closed end,
wherein the curved slot is radially spaced from the axis,
wherein the rack includes a guide projection,
wherein the guide projection extends into the curved slot,
wherein daring pivoting of the rack, the guide projection moves relative to the curved slot,
wherein pivoting of the rack is limited in at least one pivot direction by contact of the guide projection with the at least one closed end.
5. The apparatus according to claim 4 wherein during rack pivot from the operation orientation to the service orientation, the rack pivots an angle that is greater than 90 degrees.
6. A currency note validator assembly arrangement including:
a pivotable rack configured to engagingly support a currency note validator assembly including a note validator and an assembly opening sized to receive at least one currency note therethrough,
wherein the rack is in engagement with and supported by a movable tray,
wherein the engagement causes the rack to move with the tray,
wherein the rack is pivotable relative to the tray about a substantially horizontal axis,
wherein the tray includes a first tray end,
wherein the tray is supported by a tray support including a first support end,
wherein the tray while being supported by the tray support, is horizontally movable relative to the tray support between a tray retracted position and a tray extended position,
wherein with the tray in the tray extended position, the first tray end is located horizontally beyond the first support end,
wherein with the tray in the tray retracted position, the first tray end is not located horizontally beyond the first support end,
wherein the rack is configured to engagingly support a removable currency cassette in a position adjacent to the note validator,
wherein the position allows the cassette to receive from the note validator, currency notes deemed valid by the note validator,
wherein the rack when loaded supports the cassette and the currency note validator assembly including the note validator,
wherein the loaded rack is movable with the tray between the tray extended position and the tray retracted position,
wherein the loaded rack is pivotable about the axis between a validator service orientation and a validator operation orientation,
wherein when the loaded rack is in the validator service orientation and the tray is in the tray extended position, the validator and cassette are manually accessible by a service person,
wherein when the loaded rack is in the validator operation orientation and the tray is in the tray retracted position, the currency note validator assembly is operationally positioned to receive currency notes through the assembly opening and to move currency notes deemed valid by the note validator to the cassette.
7. The apparatus according to claim 6 and further comprising an automated banking machine operative responsive to data bearing records to cause financial transactions to be carried out,
wherein the automated banking machine includes:
the loaded rack,
wherein the loaded rack is supporting the currency note validator assembly and the cassette,
a cash dispenser,
wherein the cash dispenser is operative to cause stored cash to be dispensed,
a card reader,
wherein the card reader is operative to read from user cards, card data corresponding to financial accounts,
at least one computer,
wherein the at least one computer is in operative connection with the card reader, the cash dispenser, and the note validator,
wherein the at least one computer is operative to allow a machine user to request a cash dispense transaction responsive at least in part on card data read by the card reader being recognized as corresponding to an authorized user of the machine.
8. The apparatus according to claim 7 wherein the automated banking machine includes an enclosure,
wherein the enclosure includes:
a plurality of walls and an interior area,
wherein a wall of the plurality of walls includes a currency slot,
wherein the currency slot is sized to receive at least one currency note therethrough,
an access opening to the interior area,
wherein the tray support comprises slides mounted in the interior area,
wherein the tray is slidably movable with respect to the slides,
a door movable between a closed position that covers the access opening and an open position,
wherein when the door is in the open position, the tray is movable between the tray retracted position and the tray extended position,
wherein in the tray retracted position, the tray is located inside of the interior area,
wherein in the tray extended position, at least part of the tray is located outside of the interior area,
wherein when the door is in the closed position the tray is prevented from moving between the tray retracted position and the tray extended position,
wherein when the loaded rack is in the validator operation orientation and the tray is in the tray retracted position, the assembly opening is substantially aligned with the currency slot.
9. The apparatus according to claim 6 and further comprising an enclosure,
wherein the enclosure includes:
a plurality of walls and an interior area,
wherein a wall of the plurality of walls includes a currency slot,
wherein the currency slot is sized to receive at least one currency note therethrough,
slides mounted in the interior area,
wherein the tray is in operatively sliding and supported connection with the slides,
wherein the tray is movable with respect to the slides between the tray retracted position and the tray extended position,
wherein in the tray retracted position, the tray is located inside the interior area,
wherein in the tray extended position, at least part of the tray is located outside the interior area,
wherein when the loaded rack is in the validator operation orientation and the tray is in the tray retracted position, the assembly opening is positioned adjacent to the currency slot.
10. The apparatus according to claim 9 and further comprising
an access opening to the interior area,
a door movable between a closed position that covers the access opening and an open position,
wherein when the door is in the open position, the tray is movable between the tray retracted position and the tray extended position,
wherein when the door is in the closed position, the tray is prevented from moving between the tray retracted position and the tray extended position.
11. The apparatus according to claim 6
wherein the enclosure includes a currency slot that is sized to receive at least one currency note therethrough,
wherein the tray moves in a first direction from the tray retracted position to the tray extended position,
wherein when the loaded rack is in the validator service orientation and the tray is in the tray extended position, the cassette is slidably removable from the rack in a direction that is transverse to the first direction,
wherein when the loaded rack is in the validator operation orientation and the tray is in the tray retracted position, the assembly opening is substantially aligned with the currency slot.
12. The apparatus according to claim 6 and further comprising a first latch mechanism,
wherein the first latch mechanism includes a first latch,
wherein pivoting of the rack from the validator service orientation to the validator operation orientation causes the first latch to move to a locking position with respect to the rack,
wherein while in the locking position, the first latch prevents the rack from pivoting from the validator operation orientation to the validator service orientation,
wherein the first latch is manually movable from the locking position to an unlocked position,
wherein manual movement of the first latch from the locking position to the unlocked position allows the rack to be pivoted from the validator operation orientation to the validator service orientation.
13. The apparatus according to claim 12 and further comprising a second latch mechanism,
wherein the second latch mechanism includes a second latch,
wherein movement of the tray from the tray extended position to the tray retracted position causes the second latch to move to a locking position with respect to the tray,
wherein while in the locking position, the second latch prevents the tray from moving from the tray refracted position to the tray extended position,
wherein the second latch is manually movable from the locking position to an unlocked position,
wherein manual movement of the second latch from the locking position to the unlocked position allows the tray to be moved from the tray retracted position to the tray extended position.
14. The apparatus according to claim 6 wherein during rack pivot from the validator operation orientation to the validator service orientation, the rack angularly pivots at least 90 degrees.
15. The apparatus according to claim 14 wherein during rack pivot from the validator operation orientation to the validator service orientation, the rack angularly pivots between 90 degrees and 180 degrees.
16. The apparatus according to claim 6
wherein the tray includes opposed sides,
wherein at least one side includes a curved slot,
wherein the curved slot is bounded by at least one closed end,
wherein the curved slot is radially spaced from the axis,
wherein the rack includes a guide projection,
wherein the guide projection extends into the curved slot,
wherein during pivoting of the rack, the guide projection moves relative to the curved slot,
wherein pivoting of the rack is limited in at least one pivot direction by contact of the guide projection with the at least one closed end.
17. The apparatus according to claim 16
wherein the rack includes opposed rack sides,
wherein each rack side has a respective pivot member extending outward therefrom,
wherein each pivot member extends along the axis,
wherein each side of the tray has an side opening therein,
wherein each pivot member extends through a respective side opening,
wherein each pivot member is able to rotate relative to a respective side opening,
wherein rotation of the pivot members relative to the respective side openings causes the rack to pivot relative to the tray.
18. The apparatus according to claim 6
wherein the tray includes opposed tray sides,
wherein the tray includes an open bottom section between the opposed tray sides,
wherein in the validator service orientation, a portion of the rack extends through the open bottom section and is vertically lower than the tray,
wherein in the validator operation orientation, the portion of the rack does not extend through the open bottom section.
19. The apparatus according to claim 6
wherein the tray is in the tray retracted position,
wherein the loaded rack is in the validator operation orientation,
wherein the loaded rack is supporting the note validator and the cassette.
20. The apparatus according to claim 6
wherein the tray is in the tray extended position,
wherein the loaded rack is in the validator service orientation,
wherein the loaded rack is supporting the currency note validator assembly.