Diebold Self-service Systems Division of Diebold, Inc.

Diebold, Inc.

Diebold Self-service Systems, Incorporated

Michael Scanlon

Natarajan Ramachandran

H Thomas Graef

Dale H Blackson

Jeffery Enright

James Block

Mark A Douglass

Willis Miller

Matthew R Zaugg

Jeffrey A Hill

Sathish M Irudayam

Caren R Blackson, Legal Representative

An automated banking machine is operable to cause financial transfers responsive to data read from data bearing records. The machine includes a card reader that can read from cards, user data that corresponds to financial accounts. The machine can operate responsive to the read card data to carry out transactions that transfer and/or allocate funds between accounts. The machine can provide a transaction receipt. The machine includes a cash dispenser to dispense cash to machine users. Value of dispensed cash can be assessed to an account which corresponds to read card data. The machine also includes a check acceptor device that can receive checks from users. The machine can image a received check and then read check data from the check image. An account determined from read card data can be credited the amount of the check.

Check cashing banking system controlled responsive to data bearing records

An automated banking machine is part of a banking system that operates to cause financial transfers responsive to data read from data bearing records. The machine includes a card reader that operates to read data from user cards corresponding to financial accounts. A card account's status is listed in a data store as either blocked or unblocked for use in approving transactions on the account. A requested transaction on an account cannot be carried out by the machine unless the account has an unblocked status. Read card data is sent from the machine to a remote card security computer which can determine the card account status from the data store. If the account is unblocked, then the machine can continue with the requested transaction and seek transaction approval from a transaction host computer associated with the machine.

Banking system controlled responsive to data read from data bearing records

An automated banking machine is part of a banking system that operates to cause financial transfers responsive to data read from data bearing records. The machine includes a card reader that operates to read data from user cards corresponding to financial accounts. A card account's status is listed in a data store as either blocked or unblocked for use in approving transactions on the account. A transaction on an account cannot be carried out unless the account has an unblocked status. Similarly, no transaction is carried out on an account having a blocked status. Read card data is sent from the machine to a remote card security computer which determines the card account status from the data store. If the account is unblocked, then the machine can continue with the transaction and seek transaction approval from a host computer associated with the automated banking machine.

Banking system controlled responsive to data bearing records

An ATMemo arrangement is disclosed. The arrangement allows an ATM to present a person's own reminder memo to that person. A personal memo is authored by an ATMemo customer with a personal computer and then the memo is stored at a remote data store. The data store is accessible by an ATM network. The stored memo is associated with the customer and a display period. Any ATM in the network is operative to display the memo to the customer. Display of a stored memo at an ATM is based on valid customer identification, the memo's display period, and the current date. The ATM accesses and displays the memo if both the ATM customer ID matches the memo author ID and the current date is within the time period for displaying the memo. The ATM can also print the memo on a transaction receipt.

ATMemo

An automated banking machine () includes a user interface (). The automated banking machine () may include a concealment device () carried on the fascia to limit the viewing of inputs made to a user input device such as a keypad ().

Cash dispensing automated banking machine with improved unauthorized observation prevention capabilities

An automated banking machine () includes a user interface (). The automated banking machine () may include a concealment device () positioned on the fascia to limit the viewing of inputs made to a user input device such as a keypad ().

An automated banking machine system and method is provided which is operative to display a disposable cash amount associated with an account. The disposable cash amount is calculated responsive to the current Available Balance and responsive to future debit and credits that are expected to post to the account. The disposable cash amount may be calculated by a computer of the ATM or by a computer in operative connection with the ATM such as host banking system or other server of the financial institution associated with the account. The ATM may provide a user interface which minimizes the number of inputs to dispense an amount of cash equal to the calculated disposable cash amount. The ATM or a web site, or other computer may provide a customer with the ability to edit and modify the parameters used to calculate the disposable cash amount for an account.

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Edinburgh, United Kingdom

Michael Scanlon