Banking system controlled responsive to data bearing records

US8479978B1 · 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: Jun 22, 2010
• Grant date: Jul 9, 2013
• Expiry date: Jul 28, 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 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.