Banking system controlled responsive to data read from 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 includes a card reader operable to read financial account data from cards of depositors. The machine includes a RFID reader that wirelessly reads data from RFID tags on deposited items, including account number and deposit amount data. A computer credits the account for the read deposit amount. The machine, which can also dispense cash, further includes an NFC reader that can wirelessly receive cash loading data from an NFC component on a cash handler's cash transport bag. The cash loading data can include an amount of cash loaded into the machine. The machine can wirelessly transmit to the bag, dispense data that includes the amount of cash dispensed since the last cash loading.
1. Apparatus comprising:
an automated banking machine,
wherein the machine includes at least one reader,
wherein the at least one reader is operable to read user data usable to identify a financial account with which the machine is operable responsive at least in part to computer-determined association between the user data read and the financial account, to carry out a financial transaction,
wherein the machine includes at least one cash dispenser,
wherein the at least one cash dispenser is operable to selectively dispense cash from a total amount of currency notes stored in the machine, to machine users authorized to request financial transactions based at least in part on user data read by the at least one reader,
wherein the machine includes at least one data store,
wherein the at least one data store includes cash data,
wherein the cash data includes at least one of:
cash dispense data which corresponds to an amount of cash dispensed by the at least one cash dispenser since a prior loading of cash into the machine, and
cash remaining data which corresponds to an amount of cash remaining in the machine since the prior loading of cash into the machine,
wherein the machine includes at least one data transmitter,
wherein the at least one data transmitter is operable during a cash handling operation involving the machine to
wirelessly transmit the cash data to at least one portable device that is operable to communicate with the machine and that includes
at least one device data receiver operable to wirelessly receive the cash data transmitted by the at least one data transmitter,
at least one device data store,
electronic circuitry operable to cause the cash data received by the at least one device data receiver to be stored in the at least one device data store, and
at least one device data transmitter operable to wirelessly transmit cash loading data stored in the at least one device data store,
wherein the cash loading data corresponds to an amount of cash to be loaded in the machine during a cash handling operation,
while the at least one portable device is located on site of the machine adjacently outside of the machine,
wherein the machine includes at least one data receiver,
wherein the at least one data receiver is operable during a cash handling operation while the at least one portable device is located on site of the machine adjacently outside of the machine,
to wirelessly receive the cash loading data transmitted by the at least one device data transmitter,
wherein the machine includes electronic circuitry operable to cause cash loading data received by the at least one data receiver to be stored in the at least one data store.
2. The apparatus according to claim 1 wherein the machine is part of a banking system that includes a plurality of cash dispensing automated banking machines,
wherein each machine includes at least one reader comprising a card reader and a biometric reader,
wherein each machine is respectively associated with at least one processor,
wherein the at least one processor 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 processor is operative to cause read card data to be compared with card information stored in an authorized machine user information data store,
wherein the at least one processor is operative to cause read biometric data to be compared with biometric information stored in the authorized machine user information data store,
wherein the at least one processor is operative to authorize a machine user to request a 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. The apparatus according to claim 1 wherein the at least one data transmitter is operable to wirelessly transmit the cash data to at least one portable device that comprises at least one manually transportable container configured to hold currency notes therein.
4. The apparatus according to claim 1 wherein the at least one data transmitter includes at least one of:
a radio frequency (RF) component,
wherein the RF component is operable to wirelessly transmit RF signals that include the cash data, to at least one device data receiver that includes a device RF component operable to wirelessly receive the cash data in the RF signals transmitted by the RF component, and
a near field communication (NFC) component,
wherein the NFC component is operable to wirelessly transmit NFC signals that include the cash data, to at least one device data receiver that includes a device NFC component operable to wirelessly receive the cash data in the NFC signals transmitted by the NFC component.
5. Apparatus comprising:
an automated banking machine,
wherein the machine includes at least one reader,
wherein the at least one reader is operable to read user data usable to identify a financial account with which the machine is operable responsive at least in part to computer-determined association between the user data read and the financial account, to carry out a financial transaction,
wherein the machine includes at least one cash dispenser,
wherein the at least one cash dispenser is operable to selectively dispense cash from a total amount of currency notes stored in the machine, to machine users authorized to request financial transactions based at least in part on user data read by the at least one reader,
wherein the machine includes at least one data store,
wherein the at least one data store includes cash data,
wherein the cash data includes at least one of:
cash dispense data which corresponds to an amount of cash dispensed by the at least one cash dispenser since a prior loading of cash into the machine, and
cash remaining data which corresponds to an amount of cash remaining in the machine since the prior loading of cash into the machine,
wherein the machine includes at least one data transmitter,
wherein the at least one data transmitter is operable during a cash handling operation involving the machine to
wirelessly transmit the cash data to at least one portable device including
at least one device data receiver operable to wirelessly receive the cash data transmitted by the at least one data transmitter,
at least one device data store, and
electronic circuitry operable to cause the cash data received by the at least one device data receiver to be stored in the at least one device data store,
while the at least one portable device is located on site of the machine adjacently outside of the machine.
6. The apparatus according to claim 5 wherein the machine is part of a banking system that includes a plurality of automated banking machines,
wherein the at least one reader includes a card reader and a biometric reader,
wherein the machine is associated with at least one processor,
wherein the at least one processor is operable 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 processor is operable to cause read card data to be compared with card information stored in an authorized machine user information data store,
wherein the at least one processor is operable to cause read biometric data to be compared with biometric information stored in the authorized machine user information data store,
wherein a user of the machine is authorized to request a 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.
7. The apparatus according to claim 5 wherein the cash data in the at least one data store comprises cash dispense data, and wherein the at least one data transmitter is operable to wirelessly transmit the cash dispense data.
8. The apparatus according to claim 5 wherein the cash data in the at least one data store comprises cash remaining data, and wherein the at least one data transmitter is operable to wirelessly transmit the cash remaining data.
9. The apparatus according to claim 5 wherein the at least one data transmitter is operable during the cash handling operation, to wirelessly transmit the cash data to at least one portable device that comprises at least one manually transportable container configured to hold currency notes therein.
10. The apparatus according to claim 9 wherein the at least one data transmitter is operable during the cash handling operation to wirelessly transmit the cash data to only a single manually transportable container, which comprises a flexible cash transport bag.
11. The apparatus according to claim 5 wherein the machine includes a data transmitter/receiver,
wherein the data transmitter/receiver includes
the at least one data transmitter, and
at least one data receiver,
wherein the at least one data receiver is operable during a cash loading operation to wirelessly receive from the at least one portable device, cash loading data,
wherein the cash loading data corresponds to an amount of cash to be loaded in the machine during the cash loading operation.
12. The apparatus according to claim 5 wherein the at least one data transmitter includes a radio frequency (RF) component that is operable to wirelessly transmit RF signals that include the cash data.
13. The apparatus according to claim 5 wherein the at least one data transmitter includes a near field communication (NFC) component that is operable to wirelessly transmit NFC signals that include the cash data.
14. Apparatus comprising:
an automated banking machine,
wherein the machine includes at least one reader,
wherein the at least one reader is operable to read user data usable to identify a financial account with which the machine is operable responsive at least in part to computer-determined association between the user data read and the financial account, to carry out a financial transaction,
wherein the machine includes at least one cash dispenser,
wherein the at least one cash dispenser is operable to selectively dispense cash from a total amount of currency notes stored in the machine, to machine users authorized to request financial transactions based at least in part on user data read by the at least one reader,
wherein the machine includes at least one data store,
wherein the machine includes at least one data receiver,
wherein the at least one data receiver is operable during a cash loading operation involving the machine to
wirelessly receive cash loading data which corresponds to an amount of cash to be loaded in the machine during the cash loading operation, from at least one portable device including
at least one device data store including the cash loading data, and
at least one data transmitter operable to wirelessly transmit the cash loading data,
while the at least one portable device is located on site of the machine adjacently outside of the machine,
wherein the machine includes electronic circuitry operable to cause the cash loading data received by the at least one data receiver to be stored in the at least one data store.
15. The apparatus according to claim 14 wherein the machine is part of a banking system that includes a plurality of automated banking machines,
wherein the at least one reader includes a card reader and a biometric reader,
wherein the machine is associated with at least one processor,
wherein the at least one processor is operable 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 processor is operable to cause read card data to be compared with card information stored in an authorized machine user information data store,
wherein the at least one processor is operable to cause read biometric data to be compared with biometric information stored in the authorized machine user information data store,
wherein a user of the machine is authorized to request a 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.
16. The apparatus according to claim 14 wherein the at least one data receiver is operable during the cash loading operation, to wirelessly receive the cash loading data from at least one portable device that comprises at least one manually transportable container configured to hold currency notes therein.
17. The apparatus according to claim 16 wherein the at least one data receiver is operable during the cash loading operation to wirelessly receive the cash loading data from only a single manually transportable container, which comprises a flexible cash transport bag.
18. The apparatus according to claim 14
wherein the at least one data store includes cash data,
wherein the cash data includes at least one of:
cash dispense data which corresponds to an amount of cash dispensed by the at least one cash dispenser since a prior loading of cash into the machine, and
cash remaining data which corresponds to an amount of cash remaining in the machine since the prior loading of cash into the machine,
wherein the machine includes a data transmitter/receiver,
wherein the data transmitter/receiver includes
the at least one data receiver, and
at least one data transmitter,
wherein the at least one data transmitter is operable during a cash handling operation involving the machine to wirelessly transmit the cash data to the at least one portable device.
19. The apparatus according to claim 18 wherein the cash data in the at least one data store comprises cash dispense data, and wherein the at least one data transmitter is operable to wirelessly transmit the cash dispense data.
20. The apparatus according to claim 18 wherein the cash data in the at least one data store comprises cash remaining data, and wherein the at least one data transmitter is operable to wirelessly transmit the cash remaining data.
21. The apparatus according to claim 14 wherein the at least one data receiver includes a radio frequency (RF) component that is operable to wirelessly receive RF signals that include the cash loading data.
22. The apparatus according to claim 14 wherein the at least one data receiver includes a near field communication (NFC) component that is operable to wirelessly receive NFC signals that include the cash loading data.