Banking system controlled responsive to data bearing records

US8286867B1 · kind B1 · utility

Assignee

• DIEBOLD, INC. · US

Inventors

• Martin J. Brown · Victoria, CA
• Todd Galloway · North Canton, US
• Robert W. Barnett · Louisville, US
• Mike R. Ryan · Canton, US
• James R. Kay · Uniontown, US
• Mark A. Ward · Canton, US
• David A. Peters · Tallmadge, US
• Songtao Ma · Wadsworth, US
• Sangeeta Huria · Copley, US
• Eric Klein · Cupertino, US
• Tim Crews · Alliance, US

Key dates

• Filing date: Dec 22, 2011
• Grant date: Oct 16, 2012
• Expiry date: Dec 22, 2031

Classification

• Technology area (CPC G): Physics
• CPC primary: G07F19/205
• WIPO field: Control
• WIPO sector: Instruments

Abstract

An automated banking machine operates to carry out financial transfers responsive to data read form data bearing records. The machine includes a card reader that operates to read data from user cards. The card data corresponds to financial accounts. The automated banking machine further includes a cash dispenser and a receipt printer. The machine is operative to dispense cash to an authorized user based on identifying data including read card data, and to cause a financial transfer from an account corresponding to read card data through communication with at least one remote computer. The machine includes a check acceptor that operates to determine magnetic symbols included on checks. Cash may be dispensed in exchange for a check received through operation of the check acceptor of the machine.