Diebold, Inc.

Diebold Self-service Systems Division of Diebold, Inc.

Diebold Nixdorf, Incorporated

B Scott Harroff

Rodney J Reese

Neil C Gromley

Dustin Cairns

Mike Lawver

William R Aitken

Michael Lawver

A banking system that utilizes metrics in acquiring and processing event data related to financial transaction activity at a plurality of automated banking machines. Automated banking machine include sensors able to detect event data during a transaction. The event data can include transaction data related to the type of transaction, time analysis data related to duration of the transaction, and operational data related to machine components used in carrying out the transaction. The event data for automated banking machines can be obtained, analyzed, and stored. Statistical averages associated with the banking system machines can be determined in real time. The averages allow a respective machine to be compared to other machines with respect to operational efficiency. An alert can be issued concerning a statistical anomaly regarding the respective machine.

Time analysis of a banking system

In an example embodiment, a Vehicle sensor senses the arrival and departure of vehicles in a drive-through lane. In particular embodiments, the system can calculate and store time data corresponding to each vehicle. Time data can be processed to determine the duration of transaction activity in the drive-through lane.

Time analysis at a banking system controlled by data bearing records

A banking system controlled by data bearing records utilizes metrics in acquiring and processing event data related to financial transaction activity at a plurality of automated banking machines. The system uses machine sensors to detect event data during a transaction. For each machine, the system can obtain, analyze, and store event data. The event data can include transaction data related to transaction type, time analysis data related to transaction duration, and operational data related to machine components used during the transaction. Statistical machine averages can be determined and compared by the system in real time. The system can produce statistics related to component performance, such as check reader performance in reading check data from generated check images. The system can also be used to detect and then alleviate potential problems, such as by causing a machine to perform an early sending of check images.

Unloading checks from an automated banking machine

A banking system controlled responsive to data bearing records utilizes a telephone system in acquiring, communicating, and/or processing time analysis data related to the duration of financial transaction activity in a drive-through lane of a bank facility. Vehicle sensors sense arrival and departure of vehicles in the drive-through lane. The system can calculate and store time data corresponding to each vehicle.

A banking system controlled responsive to data bearing records utilizes a communication system in acquiring, communicating, and/or processing time analysis data related to the duration of financial transaction activity in a drive-through lane of a bank facility. Vehicle sensors sense arrival and departure of vehicles in the drive-through lane. The system can calculate and store time data corresponding to each vehicle.

A system () for carrying out transactions between a customer at a customer station () and a service provider at a service provider station (), includes transferring items through transaction devices such as pneumatic carrier delivery and receiving device () and a deal drawer (). The customer at the customer station provides inputs corresponding to a financial account through input devices on the body which is stored in the memory () on the body. After transfer to the service provider station, data in the memory is output to a charge device () which is operative to assess a charge to the customer's account responsive to data output from the memory. Vehicle sensors () sense a vehicle adjacent the respective transaction device. At least one computer calculates at least one time value corresponding to each vehicle and stores the at least one time value and other data values concerning the respective transaction.

Drive-through transaction system and method

An automated banking machine operates using data included on user cards. The machine accepts checks and dispenses cash to users. The automated banking machine operates to acquire image and magnetic data from deposited checks and to determine the authority of a user to receive cash for such checks.

Growing community of inventors

Canton, OH, United States of America

B Scott Harroff