IP Library Granted Patent US 8,978,973
Granted Patent B2
US 8,978,973 · App. 13/907,901 · Granted Mar 17, 2015

Banking apparatus controlled responsive to data bearing records

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Quick Facts
Patent No.
US 8,978,973
App. No.
13/907,901
Granted
Mar 17, 2015
Kind
B2
Abstract

A banking system is controlled responsive, at least in part, to data read from data bearing records. The banking system includes an automated banking machine. The machine is operable to carry out a financial transaction responsive to a determination that data read from a data bearing record, such as a card that is read by a card reader in the machine, corresponds to stored information for an authorized user or financial account. The machine is operable to receive and dispense documents. The machine includes a check acceptor that is operative to receive checks and a cash dispenser that is operative to dispense cash. Document holding cassettes in the machine include circuitry that is wirelessly powered through inductive coupling. The machine can wirelessly read data from a cassette through use of induction.

Claims (66)

1. Apparatus comprising:

an automated banking machine configured to operate responsive at least in part to data read from data bearing records to cause financial transfers wherein the machine includes:

a card reader, wherein the card reader is operative to read card data from user cards, wherein the card data corresponds to financial accounts,

a display, wherein the display is operative to provide outputs to machine users,

at least one processor associated with the machine, wherein the at least one processor is in operative connection with the card reader and the display, and wherein the at least one processor is configured to operate to cause financial transfers involving accounts corresponding to the card data,

wherein the machine includes at least one sheet opening, wherein the at least one sheet opening is configured to at least one of receive sheets into the machine from machine users and dispense sheets from the machine to machine users,

a cassette, wherein the cassette is configured to hold a plurality of sheets within an interior area thereof, wherein the cassette is removably positionable within the machine,

wherein in an operative position within the machine the cassette is enabled to at least one of deliver sheets from the interior area and receive sheets into the interior area,

at least one first electrically powered coil within the machine, wherein in the operative position the at least one first coil is adjacent and external of the cassette,

wherein the cassette includes at least one electrically powered internal cassette circuit, wherein the at least one cassette circuit in at least one second coil, wherein in the operative position, electrical power usable in operation of the at least one cassette circuit is inductively produced in the at least one second coil responsive to the at least one first coil;

wherein the machine includes at least one driver circuit, wherein the at least one driver circuit includes the at least one first coil and at least one first capacitor;

wherein the at least one driver circuit is operative to use amplitude shift keying communicate data to the at least one cassette circuit by varying the magnetic field intensity of the at least one first coil, wherein the variation is of the magnetic field of the at least one first coil is detectable through the at least one second coil.

2. The apparatus according to claim 1

wherein the at least one cassette circuit includes at least one processor and at least one data store.

3. The apparatus according to claim 2

wherein the at least one cassette circuit includes at least one sensor.

4. The apparatus according to claim 3

wherein the at least one cassette circuit includes at least one electrical actuator.

5. The apparatus according to claim 4

wherein the at least one cassette circuit includes at least one battery.

6. The apparatus according to claim 5

wherein the machine includes:

at least one driver circuit, wherein the at least one driver circuit includes the at least one first coil and at least one first capacitor,

wherein the at least one driver circuit is operative at a driver frequency near but other than a series resonant frequency of the at least one first capacitor and the at least one first coil.

7. The apparatus according to claim 6

wherein the at least en one driver circuit is operative to communicate first transmitted data to the at least one cassette circuit through the at least one first coil and the at least one second coil.

8. The apparatus according to claim 7

wherein the at least one driver circuit is operative to vary the magnetic field intensity of the at least one first coil, wherein the variation corresponds to the first transmitted data,

wherein the variation in magnetic field intensity causes detectable electrical changes in the at least one second coil,

wherein the first transmitted data is determinable through operation of the at least one cassette circuit.

9. The apparatus according to claim 7

wherein the at least one cassette circuit is operative to communicate second transmitted data from the cassette through the at least one second coil and the at least one first coil.

10. The apparatus according to claim 6

wherein the at least one cassette circuit includes a rectifier, wherein the cassette circuit operates responsive to direct current (DC) power produced responsive at least in at to operation of the rectifier.

11. The apparatus according to claim 10

wherein the at least one cassette circuit includes at least one second capacitor, wherein the at least one second capacitor is in operative connection with the at least one second coil,

wherein the at least one second coil and the at least one second capacitor have a parallel resonant frequency wherein the parallel resonant frequency is close to the series resonant frequency.

12. The apparatus according to claim 11

wherein the at least one cassette circuit is operative to communicate second transmitted data from the cassette through the at least one second coil and the at least one first coil.

13. The apparatus according to x claim 12

wherein the at least one cassette circuit is operative to vary the parallel resonant frequency,

wherein variation of the parallel resonant frequency corresponds to the second transmitted data,

wherein variation of the parallel resonant frequency causes detectable electrical changes in the at least one first coil,

wherein the second transmitted data is detectable through the at least one driver circuit.

14. The apparatus according to claim 13

wherein the at least one cassette circuit includes a selectively switchable capacitive load,

wherein the at least one cassette circuit is operative to vary the parallel resonant frequency through switching of the capacitive load in a manner that corresponds to a binary representation of the second transmitted data.

15. The apparatus according to claim 14

wherein the first transmitted data corresponds to at least one of a document type, a document quantity, a document property, document ownership, document handling responsibility, a public key of a first public/private key pair, and at least one device operation instruction, and

wherein the second transmitted data corresponds to at least one of a document type, a document quantity, a document property, a time value, a cassette identifier, a cassette property, cassette age, cassette cycles, cassette ownership, cassette history, a public key of a second public/private key pair, and at least one property of at least one sensor in the cassette.

16. The apparatus according to claim 15 wherein the at least one cassette circuit is operative to charge the battery.

17. The apparatus according to claim 2 , wherein the at least one data store includes data corresponding to documents in the cassette.

18. The apparatus according to claim 2 , wherein the at least one data store includes data usable to identify the cassette.

19. The apparatus according to claim 1

wherein the at least one driver circuit includes at least one of a driver processor and a FPGA operative to produce a square wave pulse signal, and a half-bridge MOSFET driver in operative connection with the at least one of the driver processor and FPGA,

wherein the square wave pulse signal is varied between two frequencies in manner that corresponds to a binary representation of the first transmitted data.

20. The apparatus according to claim 1

wherein data is transmitted at least one of to and from the cassette circuit through the at least one first coil and the at least one second coil.

21. The apparatus according to claim 1 , wherein the at least one cassette circuit includes at least one battery, wherein the at least one cassette circuit is operative to charge the at least one battery.

22. The apparatus according to claim 1 , wherein the at least one cassette circuit includes at least one sensor.

23. The apparatus according to claim 1 , wherein the et least one cassette circuit includes at least one circuit resonant frequency, wherein the at least one cassette circuit is operative to communicate data to the first coil through a variation of the circuit resonant frequency.

24. The apparatus according to claim 1

wherein the machine includes at least one circuit, wherein the at least one circuit includes the at least one first coil,

wherein the at least one circuit is operative determine if the at least one second coil is in proximity to the at least one first coil,

wherein the at least one circuit is operative to cause first data to be transmitted through the at least one first coil to the at least one cassette circuit, responsive at least in part to the determination.

25. The apparatus ac girding to claim 24 wherein the at least one cassette circuit is operative to transmit second data to the at least one circuit through the at least one second coil, responsive at least in part to the first transmitted data.

Assignments (24)
TERMINATION AND RELEASE OF PATENT SECURITY AGREEMENT RECORDED AT R/F 066599/0767 Recorded Dec 19, 2024
From: PNC BANK, NATIONAL ASSOCIATION, AS AGENT
To: DIEBOLD SELF-SERVICE SYSTEMS; DIEBOLD NIXDORF, INCORPORATED
Reel/Frame 069743/0497 →
TERMINATION AND RELEASE OF SECURITY INTEREST IN PATENTS RECORDED AT R/F 066545/0078 Recorded Dec 19, 2024
From: GLAS AMERICAS LLC, AS COLLATERAL AGENT
To: DIEBOLD NIXDORF, INCORPORATED
Reel/Frame 069743/0001 →
SECURITY INTEREST Recorded Dec 18, 2024
From: DIEBOLD NIXDORF, INCORPORATED
To: REGIONS BANK, AS COLLATERAL AGENT
Reel/Frame 069738/0001 →
SECURITY INTEREST Recorded Dec 18, 2024
From: DIEBOLD NIXDORF, INCORPORATED
To: GOLDMAN SACHS BANK USA, AS COLLATERAL AGENT
Reel/Frame 069740/0014 →
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded Dec 9, 2024
From: DIEBOLD SELF-SERVICE SYSTEMS
To: DIEBOLD NIXDORF, INCORPORATED
Reel/Frame 069889/0890 →
SECURITY INTEREST Recorded Feb 14, 2024
From: DIEBOLD NIXDORF, INCORPORATED; DIEBOLD SELF-SERVICE SYSTEMS
To: PNC BANK, NATIONAL ASSOCIATION
Reel/Frame 066599/0767 →
SECURITY INTEREST Recorded Feb 9, 2024
From: DIEBOLD NIXDORF, INCORPORATED
To: GLAS AMERICAS LLC, AS COLLATERAL AGENT
Reel/Frame 066545/0078 →
TERMINATION AND RELEASE OF SECURITY INTEREST IN PATENTS (NEW TERM LOAN REEL/FRAME 062299/0717) Recorded Aug 18, 2023
From: GLAS AMERICAS LLC, AS COLLATERAL AGENT
To: DIEBOLD NIXDORF, INCORPORATED
Reel/Frame 064642/0288 →
TERMINATION AND RELEASE OF SECURITY INTEREST IN PATENTS (2025 EUR NOTES REEL/FRAME 053271/0067) Recorded Aug 18, 2023
From: GLAS AMERICAS LLC, AS COLLATERAL AGENT
To: DIEBOLD NIXDORF, INCORPORATED
Reel/Frame 064641/0836 →
TERMINATION AND RELEASE OF SECURITY INTEREST IN PATENTS (2025 USD NOTES REEL/FRAME 053270/0783) Recorded Aug 18, 2023
From: GLAS AMERICAS LLC, AS COLLATERAL AGENT
To: DIEBOLD NIXDORF, INCORPORATED
Reel/Frame 064642/0001 →
TERMINATION AND RELEASE OF SECURITY INTEREST IN PATENTS (2026 NOTES REEL/FRAME 062299/0794) Recorded Aug 18, 2023
From: GLAS AMERICAS LLC, AS COLLATERAL AGENT
To: DIEBOLD NIXDORF, INCORPORATED
Reel/Frame 064642/0202 →
TERMINATION AND RELEASE OF SECURITY INTEREST IN PATENTS (R/F 062299/0618) Recorded Jun 16, 2023
From: GLAS AMERICAS LLC
To: DIEBOLD NIXDORF, INCORPORATED
Reel/Frame 064008/0852 →
TERMINATION AND RELEASE OF SECURITY INTEREST IN PATENTS Recorded Jun 7, 2023
From: JPMORGAN CHASE BANK, N.A.
To: DIEBOLD NIXDORF, INCORPORATED
Reel/Frame 064021/0405 →
RELEASE OF SECURITY INTEREST IN PATENTS INTELLECTUAL PROPERTY Recorded Jan 10, 2023
From: JPMORGAN CHASE BANK, N.A., AS AGENT
To: DIEBOLD NIXDORF, INCORPORATED (F/K/A DIEBOLD, INCORPORATED); DIEBOLD SELF-SERVICE SYSTEMS
Reel/Frame 062338/0429 →
NOTICE OF SUCCESSOR AGENT AND ASSIGNMENT OF SECURITY INTEREST (INTELLECTUAL PROPERTY) - USD NOTES Recorded Jan 6, 2023
From: U.S. BANK NATIONAL ASSOCIATION, AS THE RESIGNING AGENT; DIEBOLD NIXDORF, INCORPORATED, AS GRANTOR; DIEBOLD SELF-SERVICE SYSTEMS, AS GRANTOR
To: GLAS AMERICAS LLC, AS THE SUCCESSOR AGENT
Reel/Frame 062308/0499 →
NOTICE OF SUCCESSOR AGENT AND ASSIGNMENT OF SECURITY INTEREST (INTELLECTUAL PROPERTY) - EUR NOTES Recorded Jan 6, 2023
From: U.S. BANK TRUSTEES LIMITED, AS RESIGNING AGENT; DIEBOLD NIXDORF, INCORPORATED, AS GRANTOR; DIEBOLD SELF-SERVICE SYSTEMS, AS GRANTOR
To: GLAS AMERICAS LLC, AS THE SUCCESSOR AGENT
Reel/Frame 062308/0587 →
PATENT SECURITY AGREEMENT - SUPERPRIORITY Recorded Jan 5, 2023
From: DIEBOLD NIXDORF, INCORPORATED
To: GLAS AMERICAS LLC, AS COLLATERAL AGENT
Reel/Frame 062299/0618 →
PATENT SECURITY AGREEMENT - TERM LOAN Recorded Jan 5, 2023
From: DIEBOLD NIXDORF, INCORPORATED
To: GLAS AMERICAS LLC, AS COLLATERAL AGENT
Reel/Frame 062299/0717 →
PATENT SECURITY AGREEMENT - 2026 NOTES Recorded Jan 5, 2023
From: DIEBOLD NIXDORF, INCORPORATED
To: GLAS AMERICAS LLC, AS COLLATERAL AGENT
Reel/Frame 062299/0794 →
SECURITY INTEREST (ABL) Recorded Dec 29, 2022
From: DIEBOLD NIXDORF, INCORPORATED
To: JPMORGAN CHASE BANK, N.A., AS COLLATERAL AGENT
Reel/Frame 062250/0387 →
CORRECTIVE ASSIGNMENT TO CORRECT THE RECEIVING PARTY NAME PREVIOUSLY RECORDED ON REEL 044013 FRAME 0486. ASSIGNOR(S) HEREBY CONFIRMS THE CHANGE FROM DIEBOLD NIXDORF, INCORPORATED TODIEBOLD SELF-SERVICE SYSTEMS DIVISION OF DIEBOLD NIXDORF, INCORPORATED. Recorded Aug 27, 2020
From: DIEBOLD SELF-SERVICE SYSTEMS DIVISION OF DIEBOLD, INCORPORATED
To: DIEBOLD SELF-SERVICE SYSTEMS DIVISION OF DIEBOLD NIXDORF, INCORPORATED
Reel/Frame 053622/0112 →
SECURITY INTEREST (NOTES) Recorded Jul 21, 2020
From: DIEBOLD NIXDORF, INCORPORATED (F/K/A DIEBOLD, INCORPORATED); DIEBOLD SELF-SERVICE SYSTEMS
To: U.S. BANK NATIONAL ASSOCIATION, AS COLLATERAL AGENT
Reel/Frame 053270/0783 →
SECURITY INTEREST (NOTES) Recorded Jul 21, 2020
From: DIEBOLD NIXDORF, INCORPORATED (F/K/A DIEBOLD, INCORPORATED); DIEBOLD SELF-SERVICE SYSTEMS
To: U.S. BANK TRUSTEES LIMITED
Reel/Frame 053271/0067 →
CHANGE OF NAME Recorded Sep 26, 2017
From: DIEBOLD SELF-SERVICE SYSTEMS DIVISION OF DIEBOLD, INCORPORATED
To: DIEBOLD NIXDORF, INCORPORATED
Reel/Frame 044013/0486 →