Diebold Self-Service Systems Division of Diebold, Inc.

Diebold Nixdorf, Incorporated

Diebold Self-Service Systems, Incorporated

Diebold Nixdorf, Incoporated

Robert Konecny

Tim Crews

Judith Edwards

Joseph A McGinley

Charles E Crallie

Anne E Doland

Natarajan Ramachandran

Songtao Ma

James Block

Paul D Magee

James Meek

Randall W Jenkins

Michael J Harty

Klaus Steinbach

Richard Calvin Lute, Jr

Sathish M Irudayam

Richard Harris

Balaji Devarasetty

Nick Billett

Matt Zaugg

Alex Klein

Anne E Konecny

Donald S Nelson, Jr

Donald Nelson

James D Atkinson

Brian McClain

David William Kuchenski

Mark Kropf

Brian Block

Devon Watson

Sergio De Oliveira

Kenneth W Zahorec

Scott Dailey

Dahae Yi

Nicholas T Billett, Jr

Mark Kropt

Jr Nelson Donald

A financial transaction computing system can include an ATM and a prestaging module. The ATM can have one or more processors, a first transceiver, one or more cash cassettes, a slot exposed on an exterior of the ATM and communicating with the one or more cash cassettes, and a banknote dispensing module at least configured to move banknotes from the one or more cash cassettes to the slot. The pre-staging module can have one or more processors, a first memory, and a second transceiver. The pre-staging module can also be configured to communicate with the ATM over a wireless public network to receive a token from the ATM over the wireless public network. The pre-staging module can be configured to retrieve a pre-staged transaction from the first memory in response to receiving the token from the ATM.

System and method for financial transactions

In an example embodiment, there is disclosed herein an apparatus comprising a first terminal that comprises a first display, a first wireless interface, and a first cash interface, and a second terminal that comprises a second display, a second wireless interface, and a second cash interface. Control logic is coupled with the first user interface and the second user interface and operable to control the operation of the first and second displays, first and second wireless interfaces, and first and second cash interfaces. A safe is coupled with the control logic, and the first and second cash interfaces. The control logic is operable to have cash selectively delivered from the safe to the first cash interfaces responsive to cash withdrawal transactions conducted at the first terminal and to the second cash interface responsive to cash withdrawal transactions conducted at the second terminal.

Automated banking system

A system provides for a self-checkout terminal with various components. A receiver receives shopping data including prices of items that a customer has physically acquired or placed in a cart. A payment logic receives credential information associated with a monetary account for paying for the items. A message logic creates checkout data that includes data representing the collection of purchase items. A transmitter transmits the credential information to an account network for authentication and the receiver receives a response indicating if the monetary account is valid. The payment logic/self-checkout terminal indicates to the customer that a payment using the monetary account for the purchase items is authorized or not. When authorized, an authorization is received at the self-checkout terminal before the customer arrives at the terminal and the self-checkout terminal causes a payment transaction to be executed to provide for self-checkout using the monetary account without assistance by another person.

Point of sale transactions

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

A modular system for financial services and transactions includes an enclosure with at least one wall defining an interior space. A spine is disposed within the interior space and houses at least one component. At least one sub-system is disposed in the interior space of the enclosure and connected to the at least one component housed in the spine. The at least one sub-system is operable to interact with a financial customer.

Modular consumer financial services and transaction systems

In an example embodiment, an automated banking machine is provided which may comprise a trusted platform (TP) including a trusted platform module (TPM) in a computer of the machine. Through use of the TP, the machine may perform cryptographic functions for use in enabling the machine to perform transaction functions for users. The machine may be operative to use the TP to securely store secret keys, or other critical information in sealed storage on a data store of the machine. The TP may also be used to measure, attest, and verify transaction function devices, hardware devices, firmware, software, and/or other components of the machine prior to enabling the machine to function in an enabled mode. The TP may also be used to establish secure communication between components of the machine. The TP may also be used to perform key transfers between the machine and a host banking system.

Automated banking machine that operates responsive to data

An automated banking machine operates responsive to data read from data bearing records to cause financial transfers. The machine includes a card reader that operates to read card data from user cards. The card data corresponds to financial accounts. The automated banking machine includes a cash dispenser and the machine carries out transaction functions for consumers including dispensing cash. The automated banking machine is operatively configured to securely receive card data from a card reader.

Banking machine that operates responsive to data bearing records

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 operative to read card data from user cards corresponding to financial accounts. The automated banking machine includes a display and a printer to produce records of financial transactions carried out with the machine. The automated banking machine may also include a client device that is operative to cause the display, card reader and other devices in the machine to operate in response to communications through the client device.

An automated banking machine operates to cause financial transfers responsive to data read from data bearing records. The automated banking machine includes a card reader operative to read card data from user cards corresponding to financial accounts. The automated banking machine includes a display and a printer to produce records of financial transactions carried out with the machine. The automated banking machine may also include a portal device that is operative to cause the display, card reader and other devices in the machine to operate in response to communications through the portal device.

Growing community of inventors

Uniontown, OH, United States of America

Robert Konecny