A banking transaction processing system includes customer stations and at least one server provider station. The customer stations include automated banking machines. Each automated banking machine includes a card reader that reads indicia on user cards corresponding to financial accounts. Each automated banking machine also includes a cash dispenser. Service providers at service provider stations are enabled to communicate with customers at automated banking machines to help carry out transactions. Customers at automated banking machines may also carry out banking transactions without the involvement of service providers. Pneumatic tube transport systems may be used for moving items between local service providers and customers. In some embodiments, computers operating facial image transformation software and vocal sound transformation software enable outputs at customer stations which correspond to facial images and vocal sounds that customers may find more acceptable than those produced by the actual service provider.

Automated banking machine system and method

The present invention provides a method and apparatus for the production and labeling of objects in a manner suitable for the prevention and detection of counterfeiting. Thus, the system incorporates a variety of features that make unauthorized reproduction difficult. In addition, the present invention provides an efficient means for the production of labels and verification of authenticity, whereby a recording apparatus which includes a recording medium, having anisotrophic optical domains, along with a means for transferring a portion of the recording medium to a carrier, wherein a bulk portion of the recording medium has macroscopically detectable anisotrophic optical properties and the detecting apparatus thereon.

Authentication method and system

An improved system for consumer payors to save and donate whenever they use cash at a point of sale terminal, write a check, use an ATM machine, or use a credit or debit card. The POS system is a network composed of subscriber/payors, neutral merchant/collectors, a central clearinghouse, and provider accounts. The Rounder system is a network composed of subscriber/payors, payees, account managers, and provider services. The systems together provide subscriber/payors with a seamless way to save/donate every time they spend.

Method and system to create and distribute excess funds from consumer spending transactions

Systems and methods are configured to manage data sets associated with a transaction device. For example, a method is provided for facilitating the management of distinct data sets on a transaction device that are provided by distinct data set owners, wherein the distinct data sets may include differing formats. The method includes the steps of: adding, by a read/write, a first data set to the financial transaction device, wherein the first data set is owned by a first owner; adding, by the read/write device, a second data set to the financial transaction device, wherein the second data set is owned by a second owner; and storing the first data set and the second data set on the financial transaction device in accordance with an owner defined format. The first and second data sets are associated with first and second owners, respectively, and are configured to be stored independent of each other The transaction device user may be permitted to select at least one of the multiple data sets for transaction completion using a secondary identifier indicia. Where the user selects multiple accounts for transaction completion, the user may be permitted to allocate portions of a transaction to the selected transaction accounts. The transaction request may be processed in accordance with the user's allocations.

Systems and methods for managing multiple accounts on a rf transaction device using secondary identification indicia

A method of operating a self service terminal (SST) (12) is described, in which the SST (12) detects characteristics of a mobile computing device held by a user (16), and configures the user interface dependent on the detected characteristics. The characteristics may include features of the mobile device, such as communication facilities, or may include user identification information. Where the user is identified, a user profile may be retrieved from a remote SST operator (14). Certain embodiments of the invention may detect devices held by a second or subsequent user (18), and retrieve the relevant user profile prior to the second user (18) interacting with the SST (12).

Self service terminal

An automated banking machine system and method includes ATMs which accept checks and dispense cash to users. The ATMs are operated to acquire image and magnetic data from deposited checks to determine the genuineness of checks and the authority of a user to receive cash for such checks. Cash may be dispensed to the user from the ATM in exchange for the deposited check. The ATMs dispense cash responsive to communications with a transaction host.

Check accepting and cash dispensing automated banking machine system and method

An automated banking machine (10) accepts deposit items such as currency, checks, gift certificates or other items of value. Deposited items after being accepted in the machine and processed are moved to the container (260). The container includes an interior area (268) which is bounded by a shaker member (282) on which deposit items are supported. The machine is operative to control operation of an actuator (290) which moves the shaker member to impart shaking motion to deposited items (278) to facilitate the compact storage thereof within the container. The container is enabled to be removed from the machine to facilitate removal of the deposited items. Movement of the container out of and away from the machine is facilitated by rollable supports (296) and a retractable handle (298).

Automated banking machine

An automated banking machine (10) includes a deposit accepting apparatus (44) which is capable of accepting and authenticating instruments, as well as accepting envelopes deposited into the machine by a user. A transport section (46) is operative to engage and transport deposited items selectively from an inlet (48) to an outlet (50). A deposit holding module (90) includes compartments (98, 106) which are operative to hold different types of deposits. The machine operates to selectively move a compartment into communication with the outlet based on the particular type of item being deposited. The depository apparatus is further operative to acquire image and magnetic profile data from deposited instruments, to manipulate the image and profile data and to analyze and resolve characters in selected areas thereof. The data from deposited instruments is used for determining if a user is authorized to conduct certain requested transactions at the machine.

Deposit accepting apparatus and system for automated banking machine

An automated banking machine ( 10 ) includes a deposit accepting apparatus ( 44 ) which is capable of accepting and authenticating instruments, as well as accepting envelopes deposited into the machine by a user. A transport section ( 46 ) is operative to engage and transport deposited items selectively from an inlet ( 48 ) to an outlet ( 50 ). A deposit holding module ( 90 ) includes compartments ( 98, 106 ) which are operative to hold different types of deposits. The machine operates to selectively move a compartment into communication with the outlet based on the particular type of item being deposited. The depository apparatus is further operative to acquire image and magnetic profile data from deposited instruments, to manipulate the image and profile data and to analyze and resolve characters in selected areas thereof. The data from deposited instruments is used for determining if a user is authorized to conduct certain requested transactions at the machine.

Deposit accepting and storage apparatus and method for automated banking machine

An automated banking machine system and method includes ATMs which accept checks and dispense cash to users. The ATMs are operated to acquire image and magnetic data from deposited checks to determine the genuineness of checks and the authority of a user to receive cash for such checks. Cash is then dispensed to the user from the ATM in exchange for the deposited check. The ATMs dispense cash responsive to communications with a transaction host. The transaction host provides transaction identifying data to the ATM. The ATM sends the transaction identifying data and check images to an image and transaction data server for processing.

David A. Peters

Papers

Check accepting and cash dispensing automated banking machine system and method

Automated banking machine

Deposit accepting apparatus and system for automated banking machine

Deposit accepting and storage apparatus and method for automated banking machine

Cash dispensing and check accepting ATM and method