Banking system controlled responsive to data read from data bearing records

US8336766B1 · kind B1 · utility

Assignee

• Diebold Self-Service Systems, Division of Diebold, Incorporated · US

Inventors

• Willis Miller · Cuyahoga Falls, US
• Matthew R. Zaugg · Munroe Falls, US
• James Block · North Lawrence, US
• H. Thomas Graef · Bolivar, US
• Natarajan Ramachandran · Uniontown, US
• Jeffery M. Enright · Akron, US
• Mark A. Douglass · North Canton, US
• Michael Scanlon · Laurel, US
• Dale H. Blackson · Highland Heights, US

Key dates

• Filing date: May 11, 2011
• Grant date: Dec 25, 2012
• Expiry date: May 11, 2031

Classification

• Technology area (CPC G): Physics
• CPC primary: G07F19/211
• WIPO field: Control
• WIPO sector: Instruments

Abstract

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.