Diebold Self-service Systems Division of Diebold, Inc.

Diebold, Inc.

Diebold Nixdorf, Incorporated

Diebold Self-service Systems, Incorporated

Interbold

Diebold Self-service Systems a Division of Diebold, Incorporated

Diebold Nixforf Incorporated

H. V. Technology, Inc.

Natarajan Ramachandran

H Thomas Graef

Dale H Blackson

Jeffery Enright

James Block

Randall W Jenkins

Mark D Smith

Klaus Steinbach

Mark A Douglass

Tim Crews

Songtao Ma

Willis Miller

Zachary Utz

Paul D Magee

Jeffrey A Hill

Richard Calvin Lute, Jr

Sathish M Irudayam

Pedro Tula

David E Kolinski-Schultz

David N Lewis

Michael J Harty

Matthew R Zaugg

Jay Paul Drummond

David A Barker

Donald S Nelson, Jr

Steven Shepley

Elizabeth M Herrera

Victor A Cogan

Dave Krzic

James Meek

Mark A DePietro

Daniel S McIntyre

Franklin M Theriault

Eric Toepke

Thomas D Ertle

Daniel J Delaney

Mark Estep

Patrick C Green

Nick Billett

Ashok L Modi

Ray Motz

Jeff Hill

Kenneth Turocy

Mike R Ryan

Jim Booth

Atta Mateen

Edward L Laskowski

Shawn Griggy

Daniel Schoeffler

Jeffrey M Enright

James Booth

Mark A Douglas

James Pettitt

Paul Mercina

Timothy Crews

Raymond P Motz

Mike P Ryan

Jeffrey M Eastman

Robert Konecny

Kim R Lewis

Joseph Hartman

Caren R Blackson, Legal Representative

Carole Laskowski, Legal Representative

James D Atkinson

William Daniel Beskitt

James R Church

Andrew T Junkins

Gerald T Sedlock

R Matthew Dunlap

Roy Mleziva

Michael Scanlon

Richard J Phelps

Charles D Price, Iii

Nicholas Schott

Sean T Haney

Matthew V Force

Mark Owens

Richard C Lute, Jr

Robert G Miller

Francesco Ferraro

Dave Barker

Anne E Konecny

Pietro Scarafile

Piero Ghiringhelli

Giorgio Cerioni

Thomas S Mason

Gregory S Ray

Gregory Fockler

Nicholas T Billett, Jr

Edward D Laskowski

Vincent L Owens

Jerry Cox

Steven R Davis

Robert V Artino

Donald Nelson

J Richard Hanna

Charles H Somers, Jr

Howard E Antram

Nicholas Billett, Jr

Anne A Konecny

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

An apparatus that operates to cause financial transfers responsive to data read from data bearing records, includes at least one processor that is in operative connection with a card reader, a check acceptor, a cash dispenser and a display. The at least one processor causes the machine to operate to read card data from a user card, and to cause a determination to be made that the read card data corresponds to an authorized financial account. The at least one processor is operative to cause data to be read from a check and/or cash to be dispensed, and a financial transfer to or from the account corresponding to the value thereof. Machine instructions are output and user transaction inputs can be received through either a primary or an auxiliary touch screen display.

Banking system controlled responsive to data bearing records

An automated banking machine operates responsive to data read from data bearing records corresponding to authorized user or financial account data. The automated banking machine includes a card reader for reading data from user cards. The automated banking machine causes financial transfers related to financial accounts that correspond to data read from user cards. The automated banking machine also includes devices that control the supply of power to transaction function devices such as the card reader to avoid exceeding power supply capacity.

Automated banking system controlled responsive to data bearing records

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

A card actuated automated banking machine () includes a plurality of transaction function devices. The transaction function devices include a card reader (), a printer (), a bill dispenser (), a display (), a check imaging device (), and at least one processor (). The machine is operative, responsive to receiving a check and certification data, to dispense cash in exchange for the check. The person presenting the check to the machine need not provide user identifying inputs through input devices of the machine in order to receive cash for the check. Furthermore, prior to accepting the check as a payment, the person can communicate with at least one computer () through at least one consumer interface device () to verify that the check is payable for the check amount.

Check cashing with a mobile phone

An automatic banking machine operates responsive to data read from data bearing records corresponding to authorized user or financial account data. The machine includes a card reader for reading data from user cards. The automated banking machine causes financial transfers related to financial accounts that correspond to data read from user cards. The automated banking machine also includes devices that control the supply of power to included devices to avoid exceeding power supply capacity.

A machine () is operative to carry out financial transfers responsive to data included on data bearing records including user cards. The machine includes a user interface () including a display (). The user interface includes a card reader () which is operative to read data on user cards which identify at least one of user and a user's financial accounts. Records of the financial transfers are provided by a printer (). A touch screen display module () is operative to securely receive manual inputs and/or card data. The touch screen display module includes a contact surface that can be electronically contoured to provide outputs that can be perceived through finger contact with the contact surface.

Tactile touch screen

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.

A card actuated automated banking machine () is operative to carry out financial transactions responsive to data included on user cards. The banking machine includes a user interface () including a display (). The user interface includes a card reader () which is operative to read data on user cards which identify at least one of user and a user's financial accounts. A fascia of the machine includes a keypad () through which users input confidential data. Covers () prevent unauthorized persons from viewing confidential inputs to the keypad. Authorization signals assure that the display is operating in a manner that provides appropriate user instructions. A visual indicator is operative to indicate to a user that keypad inputs are being encrypted. Alternatively a touch screen display module () is operative to securely receive manual inputs and/or card data.

Growing community of inventors

Uniontown, OH, United States of America

Natarajan Ramachandran