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

An automated banking machine operated responsive to data bearing records includes a card reader that is operative to read data from user cards including financial account identifying data, and to cause financial transfers responsive to the card data. The automated banking machine includes a sheet accepting device. The sheet accepting device is operative to receive a stack of sheets and to separate each sheet from the stack. Each sheet is aligned with a sheet path and analyzed by analysis devices including at least one magnetic read head, an imager, and/or a validation device. Sheets determined to have at least one property of a genuine sheet are processed and stored in the machine.

Banking system controlled responsive to data bearing records

The TRANSACTION VISUAL CAPTURING APPARATUSES, METHODS AND SYSTEMS (“TVC”) transform mobile device location coordinate information transmissions, real-time reality visual capturing, and mixed gesture capturing via TVC components into real-time behavior-sensitive product purchase related information, shopping purchase transaction notifications, and electronic receipts. In one implementation, the TVC obtains user check-in information from a user mobile device upon user entry into a store. The TVC extracts a user identifier based on the user check-in information, and accesses a database for a user profile. The TVC determines a user prior behavior pattern from the accessed user profile, and obtains user real-time in-store behavior data from the user mobile device. Using these, the TVC generates and provides a recommendation to the user mobile device. The TVC adds a product for purchase by the user to a cart based on the provided recommendation. Upon obtaining an indication that the user desires to purchase the product added to the cart, the TVC initiates a purchase transaction for the product added to the cart, and provides an electronic receipt to the user mobile device.

Transaction visual capturing apparatuses, methods and systems

The WEARABLE INTELLIGENT VISION DEVICE APPARATUSES, METHODS AND SYSTEMS (“WIVD”) transform mobile device location coordinate information transmissions, real-time reality visual capturing, mixed gesture capturing, bio-sensor data via WIVD components into real-time behavior-sensitive product purchase related information, shopping purchase transaction notifications, and electronic receipts. In one implementation, the WIVD may provide a personal device in the form of a pair of eyeglasses, wherein the wearer of the eyeglasses may obtain various augmented reality views. The WIVD determines a user prior behavior pattern from the accessed user profile, and obtains user real-time in-store behavior data from the user mobile device.

Wearable Intelligent Vision Device Apparatuses, Methods and Systems

A first client device or system performs a method that includes retaining in memory registration information for a respective application indicating the respective application is registered for sharing application state with other client devices or systems. The method further includes storing an application state of a respective application, and detecting a transfer triggering condition. The transfer triggering condition includes presence of a second client device or system within a predefined proximity of the first client device or system, and the predefined proximity is a predefined proximity for near field communication. Furthermore, upon detecting the triggering condition, the first client device or system determines, in accordance with the stored registration information, that the respective application is registered for application state sharing, and transmits the application state of the respective application to the second client device or system.

Transferring application state across devices

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

A system that supports multi-stage transactions through the use of biometric tokens, such as fingerprint images or iris scans. A user pre-stages a transaction by providing transaction details that can be used a later time to complete the transaction, and the system stores the transaction details in a transaction record that is identified by a biometric token captured from the user. In some systems, the biometric token is captured as part of the pre-staging process. In other systems, the biometric token is retrieved from a data store after the user has provided authentication information, such as a bank card or user-identification code coupled with a secret PIN code. When the user is ready to complete the pre-staged transaction, the system captures a second biometric token from the user and matches the second token to the one identifying the user's transaction record. The transaction details contained in that transaction record are then used to complete the user's transaction.

Using biometric tokens to pre-stage and complete transactions

A computing device including a multi-touch surface, and a method of operation thereof are described. The method comprises: detecting a customer's hand placed palm downwards on the multi-touch surface and detecting the customer's hand pivoting upwards from the detected palm downwards position so that an edge of the hand is placed on the multi-touch surface. The method also comprises displaying a private interaction window located adjacent to, and on the palm side of, the customer's hand; and communicating private data on the private interaction window. The private interaction window is dimensioned to be shielded by the customer's hand.

Multi-touch surface interaction

Systems and techniques for managing orders from one or more of a plurality of vendors A self service terminal includes a display presenting order icons that may be moved to an open area for initiation of an order, and a plurality of vendor icons representing different vendors Initiating an order opens a transaction record for the order, and moving a vendor icon to an order icon opens a selection menu allowing selections from the vendor represented by the icon The transaction record is continuously updated as selections are made Upon a user selection to complete the order, a payment interface is presented allowing for payment Upon payment, an order identifier is created and displayed, together with instructions for collecting or receiving the order, and order information is transmitted to each vendor contributing to the order, in association with the order identifier

Methods and Apparatus for Self Service Transactions From Multiple Vendors

A method of accessing content on a secure terminal is described. The method comprises: capturing an image of a visual code presented on a display of a secure terminal. The method then involves decoding the visual code to ascertain (i) a set of connection parameters and (ii) a unique identifier. The set of connection parameters are used to establish a connection with the secure terminal. The method also comprises receiving the content from the secure terminal via the established connection in response to transmission of the unique identifier.

Jonathan Simon Black

Papers

Self service terminal

Using biometric tokens to pre-stage and complete transactions

Multi-touch surface interaction

Methods and Apparatus for Self Service Transactions From Multiple Vendors

Accessing a secure terminal