Banking apparatus with deposit accepting device
View Patent ↗An automated banking machine that includes a check acceptor that is operative to receive checks from authorized machine users. The check acceptor is operable to continuously move a received check along its transport path while simultaneously rotationally orienting the check into alignment with the transport path. A check determined not to have at least one property of an acceptable check is returned to the machine user. Acceptable checks are processed and stored in the machine.
1. An apparatus comprising:
an automated banking machine that operates responsive at least in part to data read from data bearing records,
wherein the machine includes: a housing,
at least one input device in operative supported connection with the housing,
wherein the at least one input device is operative to receive inputs from users of the machine,
wherein the at least one input device includes a card reader,
wherein the card reader is operative to read data from user cards,
wherein read data is usable to identify at least one financial account,
at least one output device in operative supported connection with the housing,
wherein the at least one output device is operative to provide outputs including instructions concerning machine usage,
at least one deposit accepting device in operative supported connection with the housing,
wherein the at least one deposit accepting device is operative to read indicia on sheets received from machine users,
at least one processor associated with the machine,
wherein the at least one processor is in operative connection with the at least one input device, the at least one output device and the at least one deposit accepting device,
wherein the at least one processor is operative to cause a determination to be made that card data read from a user card through operation of the card reader corresponds to a financial account on which a transaction is authorized to be conducted through operation of the machine, and a financial transfer at least one of a group consisting of to and from the financial account responsive at least in part to the determination,
wherein the at least one deposit accepting device includes:
a first sheet driver member,
a second sheet driver member,
wherein the first and second sheet driver members are movably mounted in operatively supported connection with the housing such that a distance between the first sheet driver member and the second sheet driver member is selectively variable responsive at least in part to operation of the at least one processor,
at least one divider plate positionable intermediate of the first sheet driver member and the second sheet driver member,
wherein the at least one divider plate separates a first side from a second side,
wherein the at least one divider plate is movably mounted relative to the housing,
at least one drive, wherein the at least one drive is in operative connection with the at least one processor,
wherein the at least one processor is operative to cause the at least one drive to relatively position the first sheet driver member, the second sheet driver member, and the at least one divider plate,
wherein the at least one deposit accepting device is operative to cause sheets to move from the first side to the second side,
wherein the at least one deposit accepting device is operative to cause the first sheet driver member and the second sheet driver member to together simultaneously engagingly move both first sheets positioned at the first side and second sheets positioned at the second side,
wherein the housing includes a sheet opening, wherein the sheet opening is operative to receive and deliver a stack of sheets therethrough, wherein sheets received in the machine through the sheet opening are received on at least one of a group consisting of the first side and the second side, and sheets delivered from the machine are delivered from at least one of a group consisting of the first side and the second side,
wherein sheets received in the machine through the sheet opening are operatively engaged with both the first sheet driver member and the second sheet driver member,
wherein sheets delivered from the machine through the sheet opening are operatively engaged with both the first sheet driver member and the second sheet driver member,
wherein the at least one drive is operative to move the at least one divider plate relative to both the first sheet driver member and the second sheet driver member,
at least one opening in the at least one divider plate, wherein the first sheet driver member is operative to contact sheets on the second side through the at least one opening,
wherein the second sheet driver member is operative to contact sheets on the first side through the at least one opening, and
wherein each of the first sheet driver member, second sheet driver member and at least one divider plate are independently vertically movable.
2. The apparatus according to claim 1 wherein each of the first sheet driver member, second sheet driver member and at least one divider plate are independently rotationally movable relative to one another.
3. The apparatus according to claim 2 , wherein sheets are receivable into the machine at a plurality of different angular directions.
4. The apparatus according to claim 3 , wherein sheets are receivable into the machine and deliverable from the machine at least one of different vertical heights and different angular directions.
5. The apparatus according to claim 4 , and further comprising: at least one sensor, wherein the at least one sensor is operative to sense at least one feature of at least one of a group consisting of a person and a vehicle, wherein the at least one sensor is in operative connection with the at least one processor, wherein the at least one processor is in operative connection with at least one drive, wherein the at least one processor is operative to cause the machine to at least one of a group consisting of deliver and receive at least one sheet, at least one of a selected vertical height and a rotational direction responsive at least in part to a position of the at least one feature sensed through operation of the at least one sensor.
6. The apparatus according to claim 4 , wherein the at least one deposit accepting device includes a note validator.
7. The apparatus according to claim 4 , wherein the at least one deposit accepting device includes a check imager.
8. The apparatus according to claim 7 , wherein the at least one deposit accepting device includes a note validator.
9. The apparatus according to claim 7 , wherein the first sheet driver member includes a first belt flight, and wherein the second sheet driving member includes a second belt flight, and wherein the at least one opening in the at least one divider plate includes an elongated opening extending parallel to both the first and second belt flights.
10. The apparatus according to claim 9 , wherein the at least one deposit accepting device includes a picker, wherein the picker is operative to separate each sheet from a first stack of sheets on at least one of a group consisting of the first side and the second side.
11. The apparatus according to claim 10 , wherein the picker is operative to separate each sheet from a first stack that includes sheets on both the first side and the second side of the at least one divider plate.
12. The apparatus according to claim 9 , wherein each at least one divider plate comprises a pair of horizontally spaced divider plate portions, and wherein the elongated opening extends horizontally between the divider plate portions of the pair.
13. The apparatus according to claim 12 , wherein the at least one drive is operative to selectively relatively vertically and rotationally position the pair of divider plate portions, the first sheet driving member and the second sheet driving member.
14. The apparatus according to claim 13 , wherein each of the divider plate portions of each pair are each vertically moveable and rotatably movable.
15. The apparatus according to claim 13 , wherein the at least one deposit accepting device includes a picker, wherein the picker is operative to separate each sheet from a stack of sheets, wherein the stack of sheets extends on at least one of the first side, the second side and both the first side and the second side.
16. The apparatus according to claim 15 , and further comprising a first transport, wherein the first transport is operative to move sheets intermediate of the picker and the check imager, and further comprising a first diverter, wherein the first diverter is operative to direct sheets moving in the first transport toward the picker to the second side.
17. The apparatus according to claim 16 , wherein the at least one deposit accepting device includes a first sheet storage and retrieval device, wherein sheets moved past the check imager are stored in the first sheet storage and retrieval device.
18. The apparatus according to claim 17 wherein the first sheet storage and retrieval device includes a sheet recycler.
19. The apparatus according to claim 12 , wherein the at least one processor is operative to cause the deposit accepting device to selectively cause sheets in the first sheet storage and retrieval device to be moved to the second side and to a first storage area in the machine.
20. The apparatus according to claim 1 , wherein each of the first sheet driver member, second sheet driver member and at least one divider plate are each independently movable rotationally and vertically.
21. An Apparatus comprising:
an automated banking machine that operates responsive at least in part to data read from data bearing records,
wherein the machine includes: a housing, at least one input device in operative supported connection with the housing,
wherein the at least one input device is operative to receive inputs from users of the machine,
wherein the at least one input device includes a card reader,
wherein the card reader is operative to read data from user cards,
wherein read data is usable to identify at least one financial account,
at least one output device in operative supported connection with the housing,
wherein the at least one output device is operative to provide outputs including instructions concerning machine usage,
at least one deposit accepting device in operative supported connection with the housing,
wherein the at least one deposit accepting device is operative to read indicia on sheets received from machine users,
at least one processor associated with the machine,
wherein the at least one processor is in operative connection with the at least one input device, the at least one output device and the at least one deposit accepting device,
wherein the at least one processor is operative to cause a determination to be made that card data read from a user card through operation of the card reader corresponds to a financial account on which a transaction is authorized to be conducted through operation of the machine, and a financial transfer at least one of a group consisting of to and from the financial account responsive at least in part to the determination, wherein the at least one deposit accepting device includes:
a first sheet driver member,
a second sheet driver member,
wherein the first and second sheet driver members are movably mounted in operatively supported connection with the housing such that a distance between the first sheet driver member and the second sheet driver member is selectively variable responsive at least in part to operation of the at least one processor,
at least one divider plate positionable intermediate of the first sheet driver member and the second sheet driver member,
wherein the at least one divider plate separates a first side from a second side,
wherein the at least one divider plate is movably mounted relative to the housing,
at least one drive, wherein the at least one drive is in operative connection with the at least one processor,
wherein the at least one processor is operative to cause the at least one drive to relatively position the first sheet driver member, the second sheet driver member, and the at least one divider plate,
wherein the at least one deposit accepting device is operative to cause sheets to move from the first side to the second side,
wherein the at least one deposit accepting device is operative to cause the first sheet driver member and the second sheet driver member to together simultaneously engagingly move both first sheets positioned at the first side and second sheets positioned at the second side,
wherein the housing includes a sheet opening, wherein the sheet opening is operative to receive and deliver a stack of sheets therethrough, wherein sheets received in the machine through the sheet opening are received on at least one of a group consisting of the first side and the second side, and sheets delivered from the machine are delivered from at least one of a group consisting of the first side and the second side,
wherein sheets received in the machine through the sheet opening are operatively engaged with both the first sheet driver member and the second sheet driver member,
wherein sheets delivered from the machine through the sheet opening are operatively engaged with both the first sheet driver member and the second sheet driver member,
wherein the at least one drive is operative to move the at least one divider plate relative to both the first sheet driver member and the second sheet driver member,
at least one opening in the at least one divider plate, wherein the first sheet driver member is operative to contact sheets on the second side through the at least one opening,
wherein the second sheet driver member is operative to contact sheets on the first side through the at least one opening,
wherein at least one divider plate includes at least two independently movable divider plates.
22. The apparatus according to claim 21 , wherein sheets are receivable into the machine at a plurality of different vertical heights.
23. An apparatus comprising:
an automated banking machine that operates responsive at least in part to data read from data bearing records,
wherein the machine includes:
a housing,
at least one input device in operative supported connection with the housing,
wherein the at least one input device is operative to receive inputs from users of the machine,
wherein the at least one input device includes at least one data reader, wherein read data includes identification information usable to identify a respective user's financial account,
at least one output device in operative supported connection with the housing,
wherein the at least one output device is operative to provide outputs including instructions concerning machine usage,
at least one deposit accepting device in operative supported connection with the housing,
wherein the at least one deposit accepting device is operative to read indicia on sheets received from machine users, at least one processor associated with the machine,
wherein the at least one processor is in operative connection with the at least one input device, the at least one output device and the at least one deposit accepting device,
wherein the at least one processor is operative to cause a determination to be made that user identification data read through operation of the data reader corresponds to a financial account on which a transaction is authorized to be conducted through operation of the machine, and a financial transfer at least one of a group consisting of to and from the financial account responsive at least in part to the determination,
wherein the at least one deposit accepting device includes: a first sheet driver member, and a second sheet driver member,
wherein the first and second sheet driver members are rotatably movably mounted in operatively supported connection with the housing such that a distance between the first sheet driver member and the second sheet driver member is selectively variable responsive at least in part to operation of the at least one processor,
at least one divider plate positionable intermediate of the first sheet driver member and the second sheet driver member,
wherein the at least one divider plate separates a first side from a second side,
wherein the at least one divider plate is movably rotatably mounted relative to the housing,
at least one drive,
wherein the at least one drive is in operative connection with the at least one processor,
wherein the at least one processor is operative to cause the at least one drive to relatively position the first sheet driver member, the second sheet driver member, and the at least one divider plate,
wherein the at least one deposit accepting device is operative to cause sheets to be at least one of a group consisting of received in and delivered from at least one of a group consisting of the first side and the second side at a plurality of vertical and angular positions.
24. An apparatus comprising:
a housing;
a deposit accepting device in operative supported connection with the housing, the deposit accepting device is operative to read indicia on received sheets;
a processor that is in operative connection with the deposit accepting device;
wherein the deposit accepting device includes:
a first sheet driver member,
a second sheet driver member,
wherein the first and second sheet driver members are movably mounted in operatively supported connection with the housing such that a distance between the first sheet driver member and the second sheet driver member is selectively variable responsive at least in part to operation of the processor,
a divider plate positionable intermediate of the first sheet driver member and the second sheet driver member,
wherein the divider plate separates a first side from a second side,
wherein the divider plate is movably mounted relative to the housing,
a drive in operative connection with the processor,
wherein the processor is operative to cause the drive to relatively position the first sheet driver member, the second sheet driver member, and the divider plate,
wherein the deposit accepting device is operative to cause sheets to move from the first side to the second side, and
wherein the deposit accepting device is operative to cause the first sheet driver member and the second sheet driver member to together simultaneously engagingly move both first sheets positioned at the first side and second sheets positioned at the second side;
wherein the housing includes a sheet opening, wherein the sheet opening is operative to receive and deliver a stack of sheets therethrough, wherein sheets received through the sheet opening are received on at least one of a group consisting of the first side and the second side, and sheets delivered from opening are delivered from at least one of a group consisting of the first side and the second side,
wherein sheets are received through the sheet opening are operatively engaged with both the first sheet driver member and the second sheet driver member;
wherein sheets delivered through the sheet opening are operatively engaged with both the first sheet driver member and the second sheet driver member;
wherein the drive is operative to move the divider plate relative to both the first sheet driver member and the second sheet driver member;
an opening in the divider plate, wherein the first sheet driver member is operative to contact sheets on the second side through the opening;
wherein the second sheet driver member is operative to contact sheets on the first side through the opening; and
wherein first sheet driver member, second sheet driver member and the divider plate are independently vertically movable.
25. An Apparatus comprising:
a housing;
a deposit accepting device in operative supported connection with the housing,
wherein the deposit accepting device is operative to read indicia on received sheets,
a processor in operative connection with the deposit accepting device;
wherein the deposit accepting device includes:
a first sheet driver member, and
a second sheet driver member,
wherein the first and second sheet driver members are movably mounted in operatively supported connection with the housing such that a distance between the first sheet driver member and the second sheet driver member is selectively variable responsive at least in part to operation of the processor,
a divider plate positionable intermediate of the first sheet driver member and the second sheet driver member,
wherein the divider plate separates a first side from a second side,
wherein the divider plate is movably mounted relative to the housing,
a drive in operative connection with the processor,
wherein the processor is operative to cause the drive to relatively position the first sheet driver member, the second sheet driver member, and the plate,
wherein the deposit accepting device is operative to cause sheets to move from the first side to the second side,
wherein the deposit accepting device is operative to cause the first sheet driver member and the second sheet driver member to together simultaneously engagingly move both first sheets positioned at the first side and second sheets positioned at the second side,
wherein the housing includes a sheet opening, wherein the sheet opening is operative to receive and deliver a stack of sheets therethrough, wherein sheets received through the sheet opening are received on at least one of a group consisting of the first side and the second side, and sheets are delivered from at least one of a group consisting of the first side and the second side,
wherein sheets received through the sheet opening are operatively engaged with both the first sheet driver member and the second sheet driver member,
wherein sheets delivered through the sheet opening are operatively engaged with both the first sheet driver member and the second sheet driver member,
wherein the drive is operative to move the divider plate relative to both the first sheet driver member and the second sheet driver member,
an opening in the divider plate, wherein the first sheet driver member is operative to contact sheets on the second side through the opening,
wherein the second sheet driver member is operative to contact sheets on the first side through the opening, and
wherein at least one divider plate comprises at least two independently movable divider plates.
26. An apparatus comprising:
a housing;
a deposit accepting device in operative supported connection with the housing;
wherein the deposit accepting device is operative to read indicia on received sheets;
a processor;
wherein the processor is in operative connection with the deposit accepting device;
wherein the deposit accepting device includes: a first sheet driver member, and a second sheet driver member,
wherein the first and second sheet driver members are rotatably movably mounted in operatively supported connection with the housing such that a distance between the first sheet driver member and the second sheet driver member is selectively variable responsive at least in part to operation of the processor;
a divider plate positionable intermediate of the first sheet driver member and the second sheet driver member;
wherein the divider plate separates a first side from a second side;
wherein the divider plate is movably rotatably mounted relative to the housing;
a drive;
wherein the drive is in operative connection with the processor;
wherein the processor is operative to cause the drive to relatively position the first sheet driver member, the second sheet driver member, and the divider plate; and
wherein the deposit accepting device is operative to cause sheets to be at least one of a group consisting of received in and delivered from at least one of a group consisting of the first side and the second side at a plurality of vertical and angular positions.