Automated banking machine that operates responsive to data bearing records
View Patent ↗A banking system controlled responsive to data bearing records includes a card reader that can read identifying data from user cards. The system can authorize operation of an automated banking machine responsive to the read data. The system can provide an electronic transaction receipt to the machine user. A bank computer is operable to submit the receipt to a system address of record with the bank. The address can correspond to an e-mail address, phone number, or other address associated with an account involved in the transaction. The receipt can also include an image associated with the transaction. The system can also operate to image a check deposited at the machine, and then electronically send the image to the check maker, the payee, and/or a clearinghouse.
1. Apparatus comprising:
an automated banking machine associated with at least one computer,
wherein the automated banking machine includes at least one data reader,
wherein the at least one computer is operable to cause the at least one data reader to read user data usable to identify a financial account on which a financial transaction can be carried out,
wherein the automated banking machine includes a cash dispenser;
wherein the at least one computer is operable to cause the cash dispenser to selectively dispense cash stored in the machine to authorized users of the machine,
wherein the at least one computer is configured to communicate with a financial transaction host to receive authorization to carry out a transaction involving the automated banking machine,
wherein the at least one computer is operable to communicate with a remotely located server system which has access to at least one data store which respectively associates an account and a customer network address for each respective customer of a financial institution who is to receive electronic records of transactions involving their account,
wherein the customer network address is usable in sending to the respective customer, an electronic record of a transaction involving their account,
wherein the at least one computer is operable to communicate with the server system through a communication path that is independent of the financial transaction host,
wherein the at least one computer is configured to operate responsive at least in part to the at least one data reader reading user data during a user session involving the automated banking machine and a machine user, to communicate to the server system at least one first message which includes the read user data,
wherein the at least one computer is configured to operate responsive at least in part to communicating the at least one first message, to receive from the server system at least one response message which indicates that the machine user is to receive an electronic record of transactions,
wherein the at least one computer is configured to operate responsive at least in part to receiving the at least one response message, to communicate at least one second message to the server system,
wherein the at least one second message includes transaction receipt data corresponding to a transaction carried out during the user session,
wherein the at least one second message allows the server system to communicate to the customer network address of the machine user, an electronic record of the transaction carried out during the user session,
wherein the electronic record includes the transaction receipt data.
2. The apparatus according to claim 1 wherein the wherein the automated banking machine is part of a banking system that includes a plurality of automated banking machines,
wherein each automated banking machine includes
a cash dispenser,
at least one display screen,
at least one data reader,
wherein the at least one data reader includes a card reader and a biometric reader,
wherein the at least one computer is operative during a transaction to
cause card data to be read from a customer card through operation of the card reader,
cause the read card data to be compared with card information stored in an authorized machine user information data store,
cause biometric data to be read from a customer through operation of the biometric reader,
cause the read biometric data to be compared with biometric information stored in the authorized machine user information data store,
wherein the at least one computer is operative to authorize a customer to request a financial transaction that involves operation of the cash dispenser, 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. The apparatus according to claim 1 wherein the automated banking machine includes the at least one computer.
4. The apparatus according to claim 1 and further comprising the server system and the at least one data store, wherein the server system includes at least one server, and wherein the at least one server is in operative connection with the at least one data store.
5. The apparatus according to claim 1 wherein the customer network address comprises one of a phone number, a text message address, an e-mail address, an Internet address, a portable communication device address, a portable computer address, and a home computer address.
6. The apparatus according to claim 1 wherein the electronic record comprises one of an audio message, a text message, and an e-mail.
7. Apparatus comprising:
at least one computer operable to receive a network address from a customer during a customer request to receive electronic records of transactions involving an account of the customer that is held with a financial institution,
wherein the at least one computer is configured to operate responsive at least in part to receiving the network address, to associate the network address and the account in at least one data store,
wherein the at least one computer is operable to communicate with at least one controlling computer that controls operation of an automated banking machine which includes at least one data reader and a cash dispenser,
wherein the at least one controlling computer is operable to cause the at least one data reader to read user data usable to identify a financial account on which a financial transaction can be carried out,
wherein the at least one controlling computer is operable to cause the cash dispenser to selectively dispense cash stored in the machine to authorized users of the machine,
wherein the at least one controlling computer is configured to communicate with a financial transaction host to receive authorization to carry out a transaction involving the automated banking machine,
wherein the at least one computer is operable to communicate with the at least one controlling computer through a communication path that is independent of the financial transaction host,
wherein the at least one computer is operable to receive from the at least one controlling computer, user data that was read by the at least one data reader during a user session involving a machine user and the automated banking machine,
wherein the at least one computer is configured to operate responsive at least in part to receiving the user data, to determine whether the user data corresponds to the account that is associated in the at least one data store with the network address,
wherein the at least one computer is configured to operate responsive at least in part to determining that the user data corresponds to the account, to cause at least one message to be communicated to the at least one controlling computer,
wherein the at least one message indicates that the machine user is to receive an electronic record of transactions,
wherein the at least one computer is operable to receive from the at least one controlling computer, transaction receipt data corresponding to a transaction carried out during the user session,
wherein the at least one computer is configured to operate responsive at least in part to receiving the transaction receipt data, to cause an electronic record of the transaction carried out during the user session to be communicated to the network address,
wherein the electronic record includes the transaction receipt data.
8. The apparatus according to claim 7 wherein the network address comprises one of a phone number, a text message address, an e-mail address, an Internet address, a portable communication device address, a portable computer address, and a home computer address.
9. The apparatus according to claim 7 wherein the electronic record comprises one of an audio message, a text message, and an e-mail.
10. The apparatus according to claim 7 and further comprising the at least one data store,
wherein the at least one computer includes at least one server,
wherein the at least one server is in operative connection with the at least one data store.
11. The apparatus according to claim 7 and further comprising the at least one controlling computer and the automated banking machine.
12. The apparatus according to claim 11 wherein the automated banking machine includes the at least one controlling computer.
13. The apparatus according to claim 11 wherein the wherein the automated banking machine is part of a banking system that includes a plurality of automated banking machines,
wherein each automated banking machine includes
a cash dispenser,
at least one display screen,
at least one data reader,
wherein the at least one data reader includes a card reader and a biometric reader,
wherein the at least one controlling computer is operative during a transaction to
cause card data to be read from a customer card through operation of the card reader,
cause the read card data to be compared with card information stored in an authorized machine user information data store,
cause biometric data to be read from a customer through operation of the biometric reader,
cause the read biometric data to be compared with biometric information stored in the authorized machine user information data store,
wherein the at least one controlling computer is operative to authorize a customer to request a financial transaction that involves operation of the cash dispenser, 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.
14. A method comprising:
(a) operating at least one computer to receive a network address from a customer during a customer request to receive electronic records of transactions involving an account of the customer that is held with a financial institution,
wherein the at least one computer is operable to communicate with at least one controlling computer that controls operation of an automated banking machine which includes at least one data reader and a cash dispenser,
wherein the at least one controlling computer is operable to cause the at least one data reader to read user data usable to identify a financial account on which a financial transaction can be carried out,
wherein the at least one controlling computer is operable to cause the cash dispenser to selectively dispense cash stored in the machine to authorized users of the machine,
wherein the at least one controlling computer is configured to communicate with a financial transaction host to receive authorization to carry out a transaction involving the automated banking machine,
wherein the at least one computer is operable to communicate with the at least one controlling computer through a communication path that is independent of the financial transaction host;
(b) operating the at least one computer to associate in at least one data store, the network address received in (a) and the account;
(c) subsequent to (b), operating the at least one computer to receive from the at least one controlling computer, user data that was read by the at least one data reader during a user session involving a machine user and the automated banking machine;
(d) operating the at least one computer responsive at least in part to receiving the user data in (c), to determine whether the user data corresponds to the account that is associated in the at least one data store with the network address;
(e) subsequent to (d), operating the at least one computer responsive at least in part to determining in (d) that the user data corresponds to the account, to cause at least one message to be communicated to the at least one controlling computer,
wherein the at least one message indicates that the machine user is to receive an electronic record of transactions;
(f) subsequent to (e), operating the at least one computer to receive from the at least one controlling computer, transaction receipt data corresponding to a transaction carried out during the user session; and
(g) operating the at least one computer responsive at least in part to receiving the transaction receipt data in (f), to cause to be communicated to the network address, an electronic record of the transaction carried out during the user session,
wherein the electronic record includes the transaction receipt data.
15. The method according to claim 14 wherein in (g) the network address comprises one of a phone number, a text message address, an e-mail address, an Internet address, a portable communication device address, a portable computer address, and a home computer address.
16. The method according to claim 14 wherein in (g) the electronic record comprises one of an audio message, a text message, and an e-mail.
17. The method according to claim 14 wherein the at least one computer includes at least one server, and wherein the at least one server is in operative connection with the at least one data store,
wherein (b) includes operating the at least one server to associate the network address and the account,
wherein (d) includes operating the at least one server to determine that the account is associated in the at least one data store with the network address.
18. The method according to claim 14 and further comprising the at least one controlling computer and the automated banking machine,
wherein the automated banking machine includes:
as cash dispenser,
at least one display screen, and
at least one data reader,
and further comprising
(h) prior to (c), operating the at least one controlling computer to communicate the user data to the at least one computer; and
(i) prior to (f), operating the at least one controlling computer to communicate the transaction receipt data to the at least one computer.
19. A system comprising:
at least one processor associated with an automated banking machine that includes at least one data reader and a cash dispenser,
wherein the at least one processor is operable to cause the at least one data reader to read user data usable to identify a financial account on which a financial transaction can be carried out,
wherein the at least one processor is operable to cause the cash dispenser to selectively dispense cash stored in the machine to authorized users of the machine,
wherein the at least one processor is configured to communicate with a financial transaction host to receive authorization to carry out a transaction involving the automated banking machine,
wherein the at least one processor is configured to communicate with a remotely located server system which has access to at least one data store which respectively associates an account and at least one customer network address for each respective customer of a financial institution who is to receive electronic records of transactions involving their account,
wherein the at least one customer network address is usable in sending to the respective customer, at least one electronic record of a transaction involving their account,
wherein the at least one customer network address comprises at least one of a phone number, a text message address, an e-mail address, an Internet address, a portable communication device address, a portable computer address, or a home computer address,
wherein the at least one processor is operable to communicate with the server system through a communication path that is independent of the financial transaction host,
wherein the at least one processor is operable to communicate at least one message to the server system,
wherein the at least one message includes:
user data read by the at least one data reader during a user session involving the automated banking machine, and
transaction receipt data corresponding to a transaction carried out during the user session;
wherein the at least one message allows the server system to communicate to the at least one customer network address of the machine user, at least one electronic record of the transaction carried out during the user session,
wherein the at least one electronic record of the transaction carried out during the user session includes the transaction receipt data,
wherein the at least one electronic record of the transaction carried out during the user session comprises at least one of an audio message, a text message, or an e-mail.
20. The system according to claim 19 wherein the automated banking machine includes the at least one processor.