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

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

Wireless Electronic Check Deposit Scanning and Cashing Machine (also known and referred to as WEDS) Web-based Online account cash Management computer application System (also known and referred to as OMS virtual/live teller)—collectively invented integrated as “WEDSOMS” System Method and Apparatus for Depositing and Cashing Ordinary paper and/or substitute checks and money orders online Wirelessly from home/office computer, laptop, Internet enabled mobile phone, pda (personal digital assistant) and/or any Internet enabled device WEDS enables verification and transmittal of image, OMS is the navigation tool used to set commands and process requests, integrated with WEDS, working collectively as WEDSOMS System

Wireless electronic check deposit scanning and cashing machine with web-based online account cash management computer application system

An authorization system allows for cardholder-provided parameters to a personal authorization subsystem. The parameters can be selected by the cardholder to limit the authorizations that would otherwise be granted on the card. The parameters can indicate limits by frequency, dollar amount, merchant, geographic location, time of day, combinations thereof, or the like. Authorization for a given transaction, even where authorized by an issuer and a network operator, might be denied based on self-constraints set by the cardholder. In some variations, messages are sent to the cardholder based on constraints set by the cardholder and transactions might be approved and messaged, or denied and messaged.

System for personal authorization control for card transactions

The present invention discloses a system and methods for biometric security using biometrics in a transponder-reader system. The biometric security system also includes a biometric sensor that detects biometric samples and a device for verifying biometric samples. In one embodiment, the biometric security system includes a transponder configured with a biometric sensor. In another embodiment, the system includes a reader configured with a biometric sensor. The device for verifying samples compares the biometric samples with information stored on databases.

System for biometric security using a fob

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 ATM currency cassette (208) includes a plurality of movable cassette information indicator buttons (214). Each button can be rotated about an axis for repositioning. The buttons can be axially moved outward and inward relative to the cassette housing (210) by rotation thereof. Different axial arrangements of the buttons represent respective different characteristics of cassette content. The cassette can be inserted into an ATM where the button positions can be read by the ATM. The cassette enables unused buttons to remain therewith and also permits a button arrangement to be changed without requiring opening of the cassette.

Atm currency cassette arrangement

A secure enclosure (10) for an automated banking machine includes a chest portion (12) and a moveable door (14). The door of the secure enclosure has mounted thereon a locking bolt work mechanism (24) which operates in a secure condition to engage locking bolt engaging apertures (46). The door further includes dead bolt projections (150) which engage apertures (62) when the door is in the closed position. The bolt work mechanism includes a drive cam (122) which is engageable by a member of a lock (126). The drive cam is connected to a pair of idler cams (118, 120) by L-links (134, 136). The idler cams are connected to a locking bolt (102) by S-links (138, 140). Movement of the drive cam enables moving the locking bolt between extended and retracted positions.

Secure enclosure bolt work apparatus for automated banking machine

A secure enclosure (10) for an automated banking machine includes a chest portion (12) and a moveable door (14) The door is supported on hinge assemblies (20, 22) which enable mounting and accurately positioning the door despite misalignment of the hinges One hinge assembly includes a pin (156) which has a ball (186) thereon The pin is accepted into a larger bore (164) of the other hinge assembly despite axial misalignment of the hinge and bore The bore has an adjusting screw (188) movably positioned therein which engages the ball when the hinge assemblies are connected Movement of the adjusting screw enables adjusting the relative positions of the hinge assemblies In making the secure enclosure one hinge assembly is attached to the chest while the other hinge assembly is attached to the door The hinge assemblies are connected to movably mount the door on the enclosure The hinges are adjusted so that dead bolt projections (150) on the door engage aperture (62) when the door is in a closing position

Method of making secure enclosure for automated banking machine

An ATM includes a currency note dispenser having a currency cassette, a note picker, a note transporter, and a note presenter. A cassette tambour door automatically opens during insertion of the cassette into the dispenser. The picker can pick notes through the opening. A spring loaded housing wall tab retains the picker shaft in mating connection with a drive pin. The transporter can move notes vertically and horizontally. The transporter includes belts between an idle shaft and a drive shaft. The idle shaft is vertically movable relative to a drive shaft to maintain belt tension. The transporter also includes convexly tapered rollers that automatically recenter a loose belt. A presenter gate is at a note dispensing outlet of the ATM. The gate is opened by actuating a lever linked with an arm connected to the gate. The gate opens by moving a pin upward in an angled slot.

Thomas A. Vankirk

Papers

Check accepting and cash dispensing automated banking machine system and method

Atm currency cassette arrangement

Secure enclosure bolt work apparatus for automated banking machine

Method of making secure enclosure for automated banking machine

ATM currency presenter gate arrangement