Diebold Self-service Systems Division of Diebold, Inc.

Diebold, Inc.

Diebold Nixdorf, Incorporated

Diebold Self-service Systems a Division of Diebold, Incorporated

Diebold Self-service Systems, Incorporated

Interbold

Automed Technologies, Inc.

Medselect, Inc.

Diebold Nixforf Incorporated

Dicbold, Incorporates

Jerry L. Meyer

Wayne D. Wellbaum

H. Thomas Graef

H Thomas Graef

Natarajan Ramachandran

James Block

Dale H Blackson

Mike P Ryan

Jeffery Enright

William Daniel Beskitt

Edward L Laskowski

Michael J Harty

David A Peters

James Meek

Mark A Douglass

Robert W Barnett

Andrew T Junkins

Todd Galloway

Martin J Brown

Mark A Ward

James R Kay

Mark Owens

Paul D Magee

Sean T Haney

Jeffrey M Eastman

Willis Miller

Tim Crews

Matthew V Force

Randall W Jenkins

Damon J Blackford

Mark A DePietro

Keith Carpenter

Laura Drozda

Sathish M Irudayam

Matthew R Zaugg

Songtao Ma

Donald S Nelson, Jr

Zachary Utz

Shawn Griggy

Daniel Schoeffler

Mark D Smith

Robert Bowser

Wayne Warren

Victor Bell

William McCarthy

Matthew Pahl

Kenneth C Kontor

Daniel S McIntyre

Klaus Steinbach

David N Lewis

Nat Ramachandran

Jon Eric Washington

Elizabeth M Herrera

Michael S Johnson

Robert G Miller

Kenneth Turocy

Eric S VanKeulen

Jeffrey M Enright

Paul Burns

Thomas B Phillips

John C Valcore

Greg Miller

Arindam Laha

Brian Jones

Thomas A VanKirk

Steven R Davis

Robert V Artino

Harold V Putman

J Richard Hanna

Bill Schadt

Rodney J Reese

Michael A Meffie

Jeffrey A Hill

Mike R Ryan

David Schultz

Roy Shirah

Keith A Drescher

James A Michael

David T Frederick

Eric Klein

Ashok L Modi

R Matthew Dunlap

Roy Mleziva

Timothy Crews

Michael Scanlon

Michael C Ryan

Pedro Tula

Steven Shepley

Scott A Mercer

David A Barker

Richard Calvin Lute, Jr

Dave Kraft

David E Kolinski-Schultz

Gerald T Sedlock

Douglas T Dominick

Donald Nelson

Walter J Szabat

Donald W Harry

Richard E Dunlap

Jasen James Smolk

Charles H Somers, Jr

Douglas A Kovacs

James Booth

An automated banking machine operates to cause financial transfers responsive at least in part to data read from data bearing records. The automated banking machine includes a card reader that is operative to read card data corresponding to financial accounts from user cards. The card data is linked in at least one data store to data indicating that the card data corresponds to a financial account that is authorized to be used to conduct at least one transaction through use of the automated banking machine. The automated banking machine may be used to carry out financial transfers involving financial accounts by users who are determined to be authorized users of such accounts. Data corresponding to a financial account can also be linked to a mobile wireless device so as to enable financial transfers by authorized users of such accounts.

Accepting a check deposit from a mobile device in communication with an automated teller machine

A banking system operates responsive to data read from data bearing records. The system includes an automated banking machine comprising a card reader. The card reader includes a movable read head that can read card data along a magnetic stripe of a card that was inserted long-edge first. The card reader includes a card entry gate. The gate is opened for a card that is determined to be properly oriented for data reading. The card reader can encrypt card data, including account data. The machine also includes a PIN keypad. The card reader can send encrypted card data to the keypad. The keypad can decipher the encrypted card data. The keypad can encrypt both deciphered card data and a received user PIN. The card data and the PIN are usable by the machine to authorize a user to carry out a financial transfer involving the account.

Automated teller machine with an encrypting card reader and an encrypting pin pad

Described herein is a technique for cashing a check at an automated banking machine. A check is presented via a check acceptor which obtains check data from the check, the check data comprises an amount. If the amount of the check is greater than a predetermined threshold, or limit, the user is asked to provide additional identification, such as a driver's license. A driver's license scanner reads data from the driver's license. The data read from a driver's license may include a hologram and/or a bar code.

Check cashing automated banking machine

In an example embodiment, an automated banking machine that allows a customer to employ a mobile wireless device for performing banking transactions. The customer may request assistance from a teller or other bank personnel at a remote location. An audio, and optionally video, communication may be initiated between the remote location and the customer. The customer may use either the automated banking machine, mobile wireless device, or both for communicating with the remote location.

Automated banking machine with remote user assistance

A banking system operates to cause financial transfers responsive to card data read from data bearing records by a card reader. The system includes at least one automated banking machine comprising a cash dispenser. The system is operative during a cash dispense transaction request to receive through an automated banking machine, machine user input of data corresponding to a mobile phone number. The system is operative to generate a security code for the requested cash dispense transaction. The system uses the phone number to send the generated security code to the mobile phone. The cash dispense transaction is allowed to proceed only if the system receives machine user input of the sent security code.

Banking system controlled responsive to data bearing records and user input of a phone received security code

An automated banking machine is operated at least in part to data read from data bearing records. The machine is operative to carry out a financial transfer responsive at least in part to a determination that data read through a card reader of the machine corresponds to a financial account that is authorized to conduct a transaction through operation of the machine. The machine also includes a check acceptor operative to receive checks from machine users. The check acceptor is operative image checks and data resolved from check images is used in operation of the machine to cause financial transfers.

An automated banking machine that includes a check acceptor that is operative to receive checks from authorized machine users. The check acceptor is operable to continuously move a received check along its transport path while simultaneously rotationally orienting the check into alignment with the transport path. A check determined not to have at least one property of an acceptable check is returned to the machine user. Acceptable checks are processed and stored in the machine.

Banking apparatus with deposit accepting device

In an example embodiment, a document holding cassettes that can be used in an automated banking machine that includes circuitry that is wirelessly powered through inductive coupling. The cassette can wirelessly communicate with the automated banking machine through induction.

Cassette for use with an automated banking machine that can receive power and communicate via magnetic induction

A banking system operates responsive to data read from data bearing records. The system includes an automated banking machine comprising a card reader. The card reader includes a movable read head that can read card data along a magnetic stripe of a card that was inserted long-edge first. The card reader includes a card entry gate. The gate is opened for a card that is determined to be properly oriented for data reading. The card reader can encrypt card data, including account data. The card data is usable by the machine to authorize a user to carry out a financial transfer involving the account.

Banking machine controlled responsive to data read from data bearing records

In an example embodiment, an automated banking machine operable to perform cash withdrawals. If a withdrawal is below a threshold, authorization is obtained from a first transaction authorization computer. If a withdrawal is greater than or equal to the threshold, a first portion of the cash is dispensed responsive to authorization from a first transaction authorization computer and a second portion of the cash amount is dispensed responsive to authorization from a second transaction authorization computer.

Processing automated banking transactions requiring approval

A banking system is controlled responsive, at least in part, to data read from data bearing records. The banking system includes an automated banking machine. The machine is operable to carry out a financial transaction responsive to a determination that data read from a data bearing record, such as a card that is read by a card reader in the machine, corresponds to stored information for an authorized user or financial account. The machine is operable to receive and dispense documents. The machine includes a check acceptor that is operative to receive checks and a cash dispenser that is operative to dispense cash. Document holding cassettes in the machine include circuitry that is wirelessly powered through inductive coupling. The machine can wirelessly read data from a cassette through use of induction.

Banking apparatus controlled responsive to data bearing records

Growing community of inventors

Bolivar, OH, United States of America

H Thomas Graef