Diebold Self-service Systems Division of Diebold, Inc.

Diebold, Inc.

Diebold Self-service Systems, Incorporated

Ashok L Modi

Natarajan Ramachandran

Klaus Steinbach

Ray Motz

Jeff Hill

H Thomas Graef

Mark D Smith

Dale H Blackson

William Daniel Beskitt

James Block

Edward L Laskowski

Mike P Ryan

Michael J Harty

Jeffrey M Eastman

Damon J Blackford

Sean T Haney

Matthew V Force

Andrew T Junkins

Robert Bowser

Mark Owens

David Schultz

Keith A Drescher

Bill Schadt

Dale Horan

Mike Theriault

Jeffrey A Hill

Kevin H Newton

Raymond P Motz

Robert L Yohn

A system operates to carry out financial transfers in response to data read from data bearing records. A cell phone having a camera stores in memory indicia corresponding to account data from a plurality of magnetic stripe cards. A user can operate the phone to select one of the accounts stored in the memory. The memory further includes a scanned user-identifying written signature. The user can use the phone during an item purchase to wirelessly transmit each of an item's identifier captured by the camera, selected account data, and the user signature.

Wireless financial transaction systems and methods

Method of transmitting electronic signature during a financial transaction

A portable terminal operates to cause financial transfers responsive to data read from data bearing records in the form of user cards. The user cards include credit and/or debit cards. Data corresponding to the card data is stored in at least one memory of the terminal. The terminal includes a wireless communication device. The terminal operates to wirelessly communicate data corresponding to card data to one or more remote computers to cause financial transfers to or from selected accounts. The terminal also operates to provide outputs corresponding to account balances and to receive data corresponding to receipts.

Banking terminal that operates to cause financial transfers responsive to data bearing records

A portable terminal operates to cause financial transfers responsive to data read from data bearing records in the form of user cards. The user cards include credit and/or debit cards. Data corresponding to the card data is stored in memory of the terminal. The portable terminal includes a wireless communication device. The terminal operates to wirelessly communicate data corresponding to card data to one or more remote computers to cause financial transfers to or from selected accounts. The portable terminal also operates to provide outputs corresponding to account balances and to receive data corresponding to receipts.

A portable terminal operates to cause financial transfers responsive to data read from data bearing records in the form of user cards. The user cards include credit and/or debit cards. Data corresponding to the card data is stored in at least one memory of the terminal. The terminal includes a wireless communication device. The terminal operates to wirelessly communicate data corresponding to card data wirelessly to one or more remote computers to cause financial transfers to or from selected accounts. The terminal also operates to provide outputs corresponding to account balances and to receive data corresponding to receipts.

An automated banking machine () identifies and stores documents such as currency bills deposited by a user. The machine then selectively recovers documents from storage and dispenses them to other users. The machine includes a central transport () wherein documents deposited in a stack are unstacked, oriented, and identified. Such documents are then routed to storage areas in recycling canisters (). When a user subsequently requests a dispense, documents stored in the storage areas are selectively picked therefrom and delivered to the user through an input/output area () of the machine. The control system () for the machine includes a terminal processor (). Identification devices identify the type and character of a document, and distinguish genuine documents, such as genuine currency bills, from unidentifiable or suspect documents.

Automated transaction machine system

An automated banking machine that operates responsive to data bearing records such as user cards includes a user interface having electronic ink displays. Displays can be used as identification labels. A display identifying the function of a transaction function device can be located adjacent to that device. Displays can also be used to provide instructions to machine users. A display on how to insert a card into the ATM can be located adjacent the card input slot. A system that operates to carry out financial transfers operates in response to data read from data bearing records. A cell phone having a camera or other reader operates to cause item identifying data and account data to be transmitted to a transaction system to enable item purchase.

Cash dispensing automated banking machine

An ATM includes a user interface having a display device. The display device includes a flexible display panel. The display panel can be flexed to limit the displayed information to only the field of view of the current ATM user. The curvature of the display panel can be changed by a moving device to correspond to the settings assigned to the current ATM user responsive to identifying input received from the user.

Cash dispensing automated banking machine with flexible display

An automated banking machine () identifies and stores documents such as currency bills deposited by a user. The machine then selectively recovers documents from storage and dispenses them to other users. The machine includes a central transport () wherein documents deposited in a stack are unstacked, oriented and identified. Such documents are then routed to storage areas in recycling canisters (). When a user subsequently requests a dispense, documents stored in the storage areas are selectively picked therefrom and delivered to the user through an input/output area () of the machine. The control system () for the machine includes a terminal processor (). Identification devices identify the type and character of a document, and distinguish genuine documents, such as genuine currency bills, from unidentifiable or suspect documents.

An ATM includes a user interface having plural electronic ink displays. Displays can be used as identification labels. A display identifying the function of a transaction function device can be located adjacent to that device. Displays can also be used to provide instructions to machine users. A display on how to insert a card into the ATM can be located adjacent the card input slot. An display can be in direct communication with both a card reader and an encryption pin pad ('EPP'). Upon suspecting card reader tampering, the card reader can instruct the display to present a message warning of the situation. Likewise, upon suspecting EPP tampering, the EPP can instruct the display to present a warning message. Displays can also instruct a machine user on when and when not to insert their PIN depending on the mode of the EPP.

Cash dispensing automated banking machine with instructional electronic ink displays

An automated banking machine ( ) identifies and stores documents such as currency bills deposited by a user. The machine then selectively recovers documents from storage and dispenses them to other users. The machine includes a central transport ( ) wherein documents deposited in a stack are unstacked, oriented and identified. Such documents are then routed to storage areas in recycling canisters ( ). When a user subsequently requests a dispense, documents stored in the storage areas are selectively picked therefrom and delivered to the user through an input/output area ( ) of the machine. The control system ( ) for the machine includes a terminal processor ( ). Identification devices identify the type and character of a document, and distinguish genuine documents, such as genuine currency bills, from unidentifiable or suspect documents.

An automated banking machine can identify and store documents such as currency bills received by a user. The machine can then selectively recover documents from storage and dispense them to other users. Identification devices can identify the type and character of a document, and distinguish genuine documents, such as genuine currency bills, from unidentifiable or suspect documents. Each received document can be judged as either acceptable or unacceptable. Output related to the judging can be presented to the user prior to a document leaving the machine. Subsequently, responsive to receiving user authorization to deposit the acceptable documents, the acceptable documents can be stored in the machine and the unacceptable documents returned to the user.

A depository envelope printing apparatus prints transaction identifying characters on envelopes deposited into an ATM, which envelopes may be of uneven contour as a result of their containing coins or folded notes or instruments. The apparatus includes a print head (120) and a tracking shoe (121) mounted on a carriage plate (110). The carriage plate is floatably mounted inside the ATM such that the tracking shoe tracks a depository envelope surface which is to accept printing as the envelope is being moved from the ATM customer to a place of storage within the ATM by a transport mechanism. The movements of the tracking shoe are transmitted to the print head so that it follows the contour of the envelope while printing is performed thereon. A probe located ahead of the tracking shoe in the direction of the envelope path tracks the level of the envelope surface a distance in advance of the tracking shoe. The probe is connected to an electrical switch which operates to interrupt the operation of the print head whenever the contour of the envelope between the areas tracked by the probe and the tracking shoe is so large that successful printing cannot be carried out on that portion of the envelope.

Growing community of inventors

Stark County, OH, United States of America

Ashok L Modi