EP1573433A2 - Systeme et procede de depistage de monnaie pour guichet automatique bancaire - Google Patents

Systeme et procede de depistage de monnaie pour guichet automatique bancaire

Info

Publication number
EP1573433A2
EP1573433A2 EP02789407A EP02789407A EP1573433A2 EP 1573433 A2 EP1573433 A2 EP 1573433A2 EP 02789407 A EP02789407 A EP 02789407A EP 02789407 A EP02789407 A EP 02789407A EP 1573433 A2 EP1573433 A2 EP 1573433A2
Authority
EP
European Patent Office
Prior art keywords
machine
document
note
ofthe
operative
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Withdrawn
Application number
EP02789407A
Other languages
German (de)
English (en)
Other versions
EP1573433A3 (fr
EP1573433A4 (fr
Inventor
Thomas H. Graef
Edward Laskowski
William D. Beskitt
Michael Harty
Jeffrey Eastman
Richard J. Phelps
Natarajan Ramachandran
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Diebold Nixdorf Inc
Original Assignee
Diebold Inc
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Family has litigation
First worldwide family litigation filed litigation Critical https://patents.darts-ip.com/?family=27538146&utm_source=google_patent&utm_medium=platform_link&utm_campaign=public_patent_search&patent=EP1573433(A2) "Global patent litigation dataset” by Darts-ip is licensed under a Creative Commons Attribution 4.0 International License.
Priority claimed from US09/992,357 external-priority patent/US6783061B2/en
Priority claimed from US09/993,070 external-priority patent/US6749111B2/en
Priority claimed from US10/141,798 external-priority patent/US7433844B2/en
Priority claimed from US10/141,425 external-priority patent/US7028888B2/en
Application filed by Diebold Inc filed Critical Diebold Inc
Publication of EP1573433A3 publication Critical patent/EP1573433A3/fr
Publication of EP1573433A2 publication Critical patent/EP1573433A2/fr
Publication of EP1573433A4 publication Critical patent/EP1573433A4/fr
Withdrawn legal-status Critical Current

Links

Classifications

    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
    • G07F19/20—Automatic teller machines [ATMs]
    • G07F19/202—Depositing operations within ATMs
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G06Q20/042—Payment circuits characterized in that the payment protocol involves at least one cheque
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07D—HANDLING OF COINS OR VALUABLE PAPERS, e.g. TESTING, SORTING BY DENOMINATIONS, COUNTING, DISPENSING, CHANGING OR DEPOSITING
    • G07D11/00—Devices accepting coins; Devices accepting, dispensing, sorting or counting valuable papers
    • G07D11/10—Mechanical details
    • G07D11/14—Inlet or outlet ports
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07D—HANDLING OF COINS OR VALUABLE PAPERS, e.g. TESTING, SORTING BY DENOMINATIONS, COUNTING, DISPENSING, CHANGING OR DEPOSITING
    • G07D11/00—Devices accepting coins; Devices accepting, dispensing, sorting or counting valuable papers
    • G07D11/20—Controlling or monitoring the operation of devices; Data handling
    • G07D11/30—Tracking or tracing valuable papers or cassettes
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07D—HANDLING OF COINS OR VALUABLE PAPERS, e.g. TESTING, SORTING BY DENOMINATIONS, COUNTING, DISPENSING, CHANGING OR DEPOSITING
    • G07D11/00—Devices accepting coins; Devices accepting, dispensing, sorting or counting valuable papers
    • G07D11/20—Controlling or monitoring the operation of devices; Data handling
    • G07D11/32—Record keeping
    • G07D11/36—Auditing of activities
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
    • G07F19/20—Automatic teller machines [ATMs]
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
    • G07F19/20—Automatic teller machines [ATMs]
    • G07F19/203—Dispensing operations within ATMs

Definitions

  • This invention relates to automated banking machines. Specifically, this invention relates to an automated banking machine and which delivers and receives documents such as currency notes and identifies suspect notes for analysis and handling.
  • ATM automated teller machine
  • ATMs may be used by individuals to receive cash from their accounts, to pay bills, to transfer cash between accounts, and to make deposits. Certain ATMs also enable customers to deposit checks, money orders, travelers checks, or other instruments. Such ATMs sometimes have the capability of creating an electronic image of a deposited instrument.
  • ATMs may also provide various types of sheets to customers. Such sheets include currency bills that customers withdraw from the machine. Customers may also receive sheet materials such as money orders, bank checks, scrip, stamps or other sheet materials stored in or produced by the machine. Customers may also receive from an ATM a printed sheet which is a receipt indicating the particulars ofthe transactions they have conducted at the machine. In addition customers may request and receive from some ATMs a more detailed statement of transactions conducted on their account.
  • Some ATMs have several different locations on the machine where sheets are received from or delivered to a customer. For example, most machines include one area for delivering cash to a customer and another area for receiving deposits. More than one deposit receiving area may also be provided for different types of deposits. For example, an ATM may have one opening for receiving envelope deposits, and a separate opening for receiving negotiable instruments, such as checks. ATMs may also have a particular area for delivering receipts to the customer. If the machine has the capability of printing a complete account statement on larger paper an additional area may be provided where statement sheets are delivered.
  • Such automated banking machines may occasionally receive invalid or suspect documents. When this occurs the document is generally rejected by the machine.
  • the documents presented may generally appear to be valid but do not meet the requirements for acceptance by the machine. However, even though such documents presented may most likely be valid, the machine may reject them because they do not meet all of the criteria set for an unequivocally valid document which is suitable to be accepted, stored and later dispensed by the machine.
  • an automated banking machine having a transport which moves sheets or stacks of sheets along a first transport path.
  • the first transport path extends from a user accessible opening on an interface ofthe machine.
  • the machine also includes an internal second transport path for transporting sheets.
  • the second transport path meets the first transport path at an intersection.
  • a sheet directing apparatus is positioned adjacent to the intersection.
  • the machine further includes at least one sheet dispensing device and at least one sheet accepting device for dispensing and receiving sheets, respectively.
  • the sheet dispensing and receiving devices are in operative connection with either the first or second transport paths. hi operation ofthe exemplary machine a stack of sheets which may include various types of documents is received from a user is moved from the opening along the first transport path.
  • the sheet directing apparatus is selectively operative to separate a sheet from the stack and direct the sheet into the second transport path. Once in the second transport path the separated sheet may be handled individually for processing or storage in the machine. Passing the stack through the intersection enables selectively removing sheets from the stack in response to operation ofthe sheet directing apparatus. Sheets dispensed or otherwise held in the machine are enabled to be assembled into a stack by moving a sheet in the first transport path. A sheet in the second transport path is moved to the intersection in coordinated relation with the first sheet. The first and second sheets engage in aligned relation and form a stack in the first transport path as the sheets move through the intersection.
  • Additional sheets are selectively added to the stack as the stack is thereafter again moved through the intersection while successive sheets are brought to the intersection through the second transport path.
  • Narious types of sheets are selectively assembled into the stack in the operation ofthe machine.
  • Control circuitry operates the components ofthe machine to assemble the stack. Once the stack is assembled, it is delivered to the user by passing it along the first transport path to the user opening.
  • data may be acquired and stored which is usable to determine the individual users who have provided and/or received particular sheets from the machine. This may enable the machine to determine the source or disposition of suspect notes for example.
  • exemplary embodiments may limit the dispense of documents such as checks, money orders or cash from the machine to particular individuals to reduce the risk of money laundering or other illegal or fraudulent activity.
  • Other exemplary embodiments may include other or additional features. hi some exemplary embodiments, documents placed in the machine are assessed for validity through operation ofthe machine. Documents assessed as valid are stored in the machine in appropriate storage locations, hi some embodiments such documents maybe later dispensed to users ofthe machine during transactions that include the dispense of such documents.
  • Deposited documents that are assessed as invalid in some embodiments may be marked by a marking device in the machine with a permanent mark.
  • the permanent mark may correspond to at least a portion of an indicator associated with the particular transaction in which the invalid document was deposited.
  • Such indicators may include for example a transaction number, account number, user number, indicia corresponding to a biometric feature ofthe person depositing the document or other usable indicia or combinations thereof.
  • Such indicators may in some embodiments be human readable, machine readable or both, h some exemplary embodiments such invalid documents which are permanently marked may be stored within the machine for later recovery and delivery to proper authorities. Such delivery may be accompanied by information concerning the transaction or user responsible for presenting each invalid document.
  • documents assessed to be of questionable validity but which are most likely valid may also be accepted in the machine.
  • documents determined to be of questionable validity may be marked by a marking device which provides a removable mark on the document.
  • the removable mark may include at least a portion of an indicator associated with the transaction or transaction data.
  • the removable mark may likewise be machine readable, human readable or both.
  • such a marked document because it is determined to likely be valid, may be accepted and stored in the machine and the entity responsible for depositing the document may be granted a provisional credit for the deposit.
  • questionable documents may be stored for later removal from the machine. Upon such removal the documents maybe subject to an assessing operation to determine if the document is in fact valid.
  • Such an assessing operation may be conducted manually, through operation of a machine, or both, hi an exemplary embodiment the removable mark does not interfere with assessing the document for validity and remains on the document during the assessing operation. If through the assessing operation the document is determined to be valid, the removable mark may be removed from the document and the document either returned to circulation or otherwise appropriately dealt with. In the exemplary embodiment if the document is determined to be invalid, the indicator is used to determine the entity responsible for depositing the document. If a credit has been previously granted for deposit ofthe document, the user given the credit is notified and the credit revoked, hi some exemplary embodiments the marked document may be maintained and delivered to appropriate authorities along with information concerning the transaction for purposes of investigation.
  • Figure 1 is a front plan view of an exemplary automated banking machine including some features ofthe present invention.
  • Figure 2 is a left side view ofthe automated banking machine shown in Figure 1.
  • Figure 3 is a schematic cross sectional view ofthe automated banking machine shown in Figure 1.
  • Figure 4 is a side schematic view of a first transport path and a second transport path in the automated banking machine.
  • Figure 5 is a transverse cross sectional view of a transport used in the automated banking machine.
  • Figure 6 is a schematic side view of a sheet moving from the second transport path to the first transport path through an intersection.
  • Figure 7 is a view similar to Figure 6 with the sheet moved into the first transport path from the intersection.
  • Figure 8 is a schematic view similar to Figure 7 with the sheet moving in an opposed direction through the intersection.
  • Figure 9 is a schematic view similar to Figure 8 with the sheet held in a holding device.
  • Figure 10 is a view similar to Figure 9 with the sheet moving in the intersection and engaging a second sheet being delivered through the second transport path, the second sheet engaging in aligned relation with the first sheet to form a stack.
  • Figure 11 is a schematic view similar to Figure 10 in which the stacked pair of sheets have passed through the intersection.
  • Figure 12 is a schematic view similar to Figure 11 in which the stacked sheets are held in the holding device.
  • Figure 13 is a schematic view ofthe first and second transport paths with the sheet directing apparatus operating to separate a first sheet from a stack as the stack passes through the intersection.
  • Figure 14 is a schematic view similar to Figure 13 showing the sheet separating from the stack as the stack passes through the intersection.
  • Figure 15 is a schematic view ofthe first and second transport paths showing a sheet being reoriented by a sheet turnover device.
  • Figure 16 is a schematic view showing a sheet passing through a second intersection between the first transport path and a third transport path.
  • Figure 17 is a schematic view ofthe first and second transport paths with a deposit envelope passing therethrough.
  • Figure 18 is a schematic view showing the first, second and third transport paths, with a sheet moving from the holding device to the third transport path.
  • Figure 19 is a schematic view of an alternative embodiment ofthe first, second and third transport paths with additional holding devices in the first transport path.
  • Figure 20 is a schematic view showing the first and second transport paths with a sheet moving from the second transport path to the first transport path, and schematically demonstrating how the sheet directing apparatus is used as part of a sheet turnover device.
  • Figure 21 is a schematic view of an alternative embodiment ofthe first, second and third transport paths used in an alternative automated banking machine in which two user interfaces and user accessible openings are provided.
  • Figure 22 is a side view of an automated banking machine housing the transport apparatus schematically shown in Figure 21.
  • Figure 23 is a schematic view showing a sheet separating from or adding to a stack as the stack passes through an intersection.
  • Figure 24 is a schematic view showing an exemplary system in which suspect and/or invalid documents deposited in an automated banking machine are processed.
  • Machine 10 is an ATM. However, other embodiments ofthe invention may be other types of automated banking machines.
  • ATM 10 includes a user or customer interface generally indicated 12.
  • Customer interface 12 includes a touch screen 14.
  • Touch screen 14 is of a type known in the prior art which serves as both an input device and an output device. The touch screen enables outputs through displays on the screen and enables customers to provide inputs by placing a finger adjacent to areas ofthe screen.
  • Customer interface 12 further includes a keypad 16.
  • Keypad 16 includes a plurality of buttons which may be actuated by a customer to provide inputs to the machine.
  • Customer interface 12 further includes a card reader slot 18.
  • Card slot 18 is used to input a card with encoded data thereon that is usable to identify the customer and/or the customer's account information.
  • Card slot 18 is connected to a card reader of a conventional type for reading data encoded on the card.
  • Other exemplary embodiments may include types of input devices other than a card reader and/or a keypad.
  • Some embodiments may include input devices such as biometric readers that may be operative to receive customer identifying inputs such as fingerprints, iris scans, retina scans, face topography data, voice data or other inputs that provide data that is usable to identify a user.
  • input devices such as biometric readers that may be operative to receive customer identifying inputs such as fingerprints, iris scans, retina scans, face topography data, voice data or other inputs that provide data that is usable to identify a user.
  • An example of an ATM that uses biometric input devices and other types of input devices is shown in U.S. Patent No. 6,023,688 the disclosure of which is incorporated herein by reference.
  • Customer interface 12 further includes an opening 20. Opening 20 as later explained, is used to receive stacks of sheets or documents from a customer operating machine 10. Opening 20 is also used to deliver stacks of documents to customers operating the machine. Although opening 20 is shown exposed in Figure 1, it should be understood that in other embodiments it may be selectively covered by a movable gate or similar closure structure. It should be understood that these features ofthe described ATM user interface are exemplary and in other embodiments the user interface may include different components and/or features.
  • machine 10 has a generally divided body structure which includes a chest portion 22.
  • Chest portion 22 in the exemplary embodiment is preferably a secure chest and is used for holding items of value such as currency or deposits.
  • Chest portion 22 has a door 24 which can be selectively opened to gain access to the interior ofthe chest portion.
  • Door 24 preferably includes a combination lock or other locking mechanism (not shown) which prevents the chest portion from being opened by unauthorized persons.
  • Machine 10 further includes an upper enclosure portion 26.
  • the upper enclosure portion has components ofthe customer interface 12 thereon.
  • the customer interface portion 12 includes a fascia 28. Fascia 28 is preferably movably mounted on the upper enclosure portion 26 and may be selectively opened to gain access to components housed in the upper enclosure portion.
  • a locking mechanism (not shown) is preferably included in the upper enclosure portion ofthe exemplary embodiment for preventing unauthorized persons from gaining access to the interior thereof.
  • machine 10 includes a plurality of devices for carrying out banking transactions. It should be understood that the devices discussed hereafter are exemplary and that additional or different devices may be included in other embodiments ofthe invention.
  • the interior of ATM 10 is schematically shown in Figure 3.
  • the exemplary ATM includes devices for handling sheets such as notes and other documents.
  • ATM 10 includes sheet dispensing devices, document producing devices and sheet receiving devices.
  • the sheet dispensing devices are currency dispensers 30 and 32.
  • Currency dispensers 30 and 32 may be ofthe type shown in U.S. Patent No. 4,494,747, the disclosure of which is incorporated herein, which selectively dispense sheets one at a time in response to control signals.
  • Currency dispensers 30 and 32 may include removable sheet holding containers or canisters which include indicia thereon.
  • the canisters may be interchangeable and ofthe type shown in U.S. Patent No. 4,871,085, the disclosure of which is incorporated herein.
  • the indicia on the sheet holding canisters may be indicative ofthe type and/or properties of sheets held therein (i.e. currency type and denomination) and the indicia is read by a reading apparatus when the canister is installed in the machine.
  • the exemplary ATM may operate in response to the indicia on the canisters to adjust the operation ofthe dispensers to conform to the canister contents and position, hi the exemplary embodiment the sheet holding canisters and other devices, may include indicia ofthe type shown in U.S. Patent 4,871,085.
  • the information represented by the indicia is read by the reading apparatus and the resulting signals transmitted to the machine control circuitry.
  • the control circuitry adjusts operation ofthe sheet dispensing and receiving devices in response to the signals to confonn to the type and character ofthe sheets held in the various canisters.
  • the machine preferably includes a note handling mechanism including sheet receiving and delivering devices 34, 36 and 38.
  • the exemplary sheet receiving and delivering devices may be ofthe type shown in U.S. Patent No. 6,331,000, the disclosure of which is incorporated herein by reference.
  • the sheet delivering and receiving devices may enable receiving and storing sheets in selected compartments as well as selectively delivering sheets from the various compartments.
  • Machine 10 further includes an envelope depository schematically indicated 40.
  • Depository 40 is a device configured to accept and hold relatively thick sheet-like deposit envelopes deposited by customers in the machine.
  • Depository 40, currency dispensers 30 and 32 and sheet receiving and delivering devices 34, 36 and 38 are all positioned within the chest portion 22 ofthe machine 10.
  • the sheet dispensing and receiving devices, except for the depository, in the exemplary embodiment may be interchangeably positioned in the machine.
  • the control circuitry adjusts operation ofthe machine accordingly based on the device positions and the indicia on the canisters or devices.
  • Each ofthe currency dispensers 30 and 32, sheet receiving and delivering devices 34, 36 and 38, and the depository 40 are in communication with a sheet transport path generally indicated 42.
  • Sheet transport path 42 comprises a plurality of sheet transports which are aligned and in operative connection through a rear area ofthe chest portion.
  • Sheet transport path 42 may include one or more sheet transports ofthe type shown in U.S. Patent 5,240,638, the disclosure of which is incorporated herein.
  • Each ofthe depository 40, currency dispensers 30 and 32 and sheet receiving and delivering devices 34, 36 and 38 are in operative connection with the sheet transport path 42, and are enabled to deliver sheets to and/or receive sheets from the sheet transport path 42.
  • Sheet transport path 42 extends through an opening (not shown) in the chest portion 22 ofthe ATM chest.
  • Wiring that connects components located in the chest portion with components in the upper enclosure portion 26 also extends through an opening in the chest portion and is connected to control circuitry, schematically indicated 44.
  • the control circuitry 44 preferably includes at least one processor in operative connection with at least one memory or data store, and is operative to carry out programmed instructions based on data stored in the memory.
  • the control circuitry in the exemplary embodiment operates the machine to carry out the operations hereinafter described.
  • Upper enclosure portion 26 includes the fascia 28 and the customer accessible opening 20.
  • a first transport path generally indicated 46 extends inside the machine from opening 20.
  • First transport path 46 preferably includes an interwoven belt type transport ofthe type shown in U.S. Patent
  • Transport 48 includes a plurality of spaced first rolls 50 and a plurality of intermediate spaced second rolls 52.
  • Rolls 50 and 52 which are preferably crowned rolls, support elastomeric belts thereon.
  • First rolls 50 support first belts 54 and second rolls 52 support second belts 56.
  • Belts 54 and 56 extend longitudinally in the transport 48.
  • the configuration of transport 48 enables transporting stacks having varied numbers and types of sheets, as well as transporting passbooks and other forms of stacked sheets.
  • the transport ofthe exemplary embodiment is useful because of its ability to transport sheets of various types, having varied thicknesses and frictional properties while minimizing skewing.
  • first transport path 46 intersects with transport path 42 at a first intersection, generally indicated 60.
  • the exemplary embodiment comprises a separating mechanism that separates sheets individually from a stack and a stack assembly mechanism that produce a stack of documents, h the exemplary embodiment, sheets are selectively stacked and unstacked while moving through first intersection 60 to enable processing of sheets within the machine 10.
  • Upper enclosure portion 26 also includes various sheet producing, dispensing and/or receiving devices. These dispensing and receiving devices may include dispensers or devices for receiving or dispensing sheets similar to those shown in U.S. Patent 4,494,747 or U.S. Patent No. 6,331,000, and may include removable canisters for holding sheets therein. Such removable canisters may also include indicia ofthe type described in U.S. Patent 4,871,085, which are read by apparatus within the machine. The control circuitry may be operative to control the operation ofthe machine in response to the indicia.
  • Devices 62 and 64 may serve as part of a document producing device and may hold sheets such as blank receipt or statement forms. Alternatively, one of such canisters may hold blank instruments which must be completed, such as scrip forms, money orders or travelers checks.
  • a further sheet dispensing device 66 may dispense documents that need to be completed before dispense documents that need to be completed before dispense such as bank checks or documents that are dispensed without further processing such as plates of stamps.
  • a sheet receiving device 68 is also preferably included in the upper enclosure portion. Sheet receiving device 68 may be used for holding sheets such as checks or other instruments, which have been input by a customer to the machine and which have been imaged and/or canceled through processing in the machine.
  • the exemplary upper enclosure portion further includes at least one printing device schematically indicated 70.
  • Printing device 70 may be used for selectively printing on sheets under control ofthe control circuitry, hi the exemplary embodiment the automated banking machine includes marking devices.
  • marking devices may comprise one or more printing devices such as device 70.
  • Such a marking device may be used to provide a removable marking on a document.
  • Such removable markings may comprise removable ink.
  • Such removable ink may be visible or nonvisible ink.
  • the marking device may provide a mark that is visible only when exposed to radiation within a certain frequency range. This may be for example a marking that becomes visible only when exposed to ultraviolet light.
  • the removable markings in some embodiments may include numbers, symbols, patterns or designs or any other human or machine readable indicia that correspond to data or some other feature.
  • the marking device for providing a removable mark to documents within the machine may include a device which applies a removable self adhesive label. Such a label may be printed or otherwise produced by an appropriate device within the machine and then applied to documents.
  • combinations of types of marking devices may operate to apply different types of markings to documents in a machine.
  • a device for applying a permanent marking to documents may include marking with a permanent ink, label or other indicia.
  • permanent marking may also include permanently modifying or damaging a document such as by punching holes, shredding or other process which provides a generally permanent indication on the document. It should be appreciated that multiple types of marking devices may be provided in various embodiments depending on the operations to be carried out by the machine, h addition other embodiments may include devices for applying permanent or temporary markings different from those that are discussed herein.
  • Imaging device 72 is also included in the exemplary machine.
  • Imaging device 72 is preferably ofthe type which enables reading and generating an electronic image of a document, such as that shown in U.S. Patent 5,534,682 or U.S. Patent No. 5,923,413 the disclosures of each of which are incorporated as if fully rewritten herein.
  • an imaging device may operate in conjunction with the control circuitry to produce signals which comprise an electronic representation of an image of a check or other instrument.
  • the electronic representation may include all or selected portions of one or both sides ofthe sheet. For example in some situations it may be suitable to obtain an electronic image of alphabetic, numerical and/or other symbols or features on the check.
  • printing devices, marking devices or other devices may also serve as part of a cancellation device.
  • a cancellation device may serve to print or otherwise mark checks or other documents received by the machine.
  • the machine may mark as cancelled checks which are received and processed by the ATM.
  • checks or documents may be marked through operation ofthe cancellation device and then stored in a check storage location in the machine.
  • the cancellation device after the document has been imaged, may mark the document to indicate that it has been cancelled and return the cancelled document to the user ofthe machine, hi some embodiments one or more such cancelled documents may be assembled in a stack in a manner hereafter discussed, when returned to a user. Cancelled documents may also be returned in an assembled stack with other documents such as a receipt for the transaction and/or notes dispensed by the ATM as a result of cashing the check. In some embodiments cancelled checks may be shredded, compacted or otherwise marked to avoid any fraudulent use.
  • the control circuitry may also operate to store data corresponding to the check and the identity ofthe user ofthe ATM providing the check to the machine in one or more data store for purposes of record keeping. For example the data store may store data corresponding to the check with the data that corresponds to a user's account number, biometric data, photograph or other data usable to identify a user.
  • these approaches are exemplary and other approaches may be used.
  • control circuitry may operate to check the user identity data before cashing one or more checks.
  • the control circuitry may also be programmed to limit the risk of check cashing by unauthorized persons and/or to reduce the risk of money laundering. For example before cashing a check the control circuitry may operate to compare data corresponding to the characters identifying the payee indicated on the check to other input data corresponding to the user ofthe machine and/or to the characters on the check comprising the endorsement. If the payee, user and/or endorsement data does not correspond, the control circuitry may operate so that the check is not accepted or cashed. Further the control circuitry may operate to determine the amount and/or nature of checks the particular user has presented at the ATM and/or within a prior time period.
  • the ATM may also operate to communicate with other computers in a network to determine the amount or nature of checks presented by the user at other ATMs. If the user's check presenting activities fall outside certain established programmed parameters, such that the user's activities maybe indicative of theft ofthe check or money laundering, for example, the ATM may refuse the transaction, h the alternative and/or in addition a user presenting a check may be required by the control circuitry to provide at least one biometric input. This may be done even in circumstances where the user may be identifiable by data on a card or another manner. The biometric identification data may be compared to stored data and used to evaluate the check cashing activities of this particular user.
  • a determination may be made by the control circuitry or by a remote computer to determine if the activities fall outside the established parameters such that the current transaction is suspicious and not permitted. In this way a user with multiple cards and/or multiple identities may be prevented from conducting transactions that might be suspicious in terms of theft or money laundering.
  • some embodiments may also operate to cross check biometric data with data on a debit or credit card or other item or other device presented by the user to the ATM to provide greater assurance as to the identity ofthe user.
  • other approaches may be used.
  • the exemplary handling devices 62, 64 and 66, as well as the sheet receiving device 68, ofthe ATM are all in communication with one or more transports. These transports may be ofthe type shown in U.S. Patent 5,342,165, the disclosure of which is incorporated herein, or other suitable sheet transport devices.
  • the sheet transport devices form a sheet transport path 74. Sheet transport path 74 extends to transport path 46 and meets transport path 46 at a second intersection 76.
  • the upper enclosure portion may also include additional or other devices.
  • Such devices may include a journal printer as schematically indicated by rolls 78.
  • the j ournal printer is used to make a paper record of transactions conducted at machine 10.
  • Electronic journals may also be made by the control circuitry and stored in memory.
  • Other devices which may be included in the machine are other types of document producing devices, audio output devices, customer sensors, cameras and recorders, biometric sensing devices and other apparatus suitable for use in the operation ofthe particular type of automated banking machine.
  • Transport paths 42, 46 and 74 ofthe exemplary machine are shown in greater detail in Figure 4. Although the transports and operation thereof are described in detail it should be understood that they are merely exemplary of devices which may be used and the claimed invention is not limited thereto.
  • Transport path 46 which includes one or more transports ofthe interwoven belt type shown in Figure 5.
  • the transport path has therein a plurality of first belts 80 which extend between first rolls 82 and 84.
  • First rolls 82 and 84 are selectively driven by a reversible drive, schematically indicated 86.
  • Second belts 88 extend between a second roll 90 and rolls 92, 94 and
  • Second belts 88 are driven by a second reversible drive schematically indicated 98.
  • roll 96 is selectively movable for purposes which are later explained.
  • the belts and rolls shown in the first transport path 46 are actually a plurality of spaced belts and rolls ofthe type shown in Figure 5.
  • First transport path 46 further includes a further transport section 100.
  • Transport section 100 is similar to the transport shown in Figure 5 and includes a plurality of third belts 102 journaled on spaced rolls 104 and 106. Rolls 106 have positioned adjacent thereto a plurality of holding rolls 108. Rolls 108 are positioned in spaced axial intermediate relation of third belts 102. This configuration imparts a wave configuration to sheets and stacks of sheets in a manner comparable to that imparted to sheets held by transport 48 as shown in Figure 5. Holding rolls 108 and transport section 100 are independently driven by reversible drives (not shown) under the control of the control circuitry 44.
  • Sheet directing apparatus 110 includes sheet engaging rolls 112 and further rolls 114. Rolls 112 and 114 have resilient belts 116 mounted thereon. It should be understood that rolls 112 and 114 are driven by one or more independent reversible drives
  • Transport path 42 further includes transport 118 which is adjacent to depository 40.
  • Transport 118 includes a plurality of rolls which drive belts 120 in response to a reversing drive (not shown).
  • Rolls 122 which are engaged with belts 120, as well as rolls 124 which are independently driven by one or more reversible drives (not shown), are positioned in the sheet path 42 adjacent to rolls 114 and 96. The purpose of this configuration is later discussed in detail.
  • transport path 46 includes sensing devices. These sensing devices are in operative connection with the control circuitry 44, and operate to sense features of sheets and stacks of sheets in the sheet transport path.
  • a thickness sensor schematically indicated 126 is preferably provided for sensing the thickness of sheets, stacks of sheets, or sheet like deposit envelopes that move along transport path 46.
  • Indicia reading devices 128 and 130 are preferably operative to sense indicia on sheets and envelopes moving in the transport path.
  • the sensing devices may include photo reflective devices, magnetic sensing devices or other appropriate devices for distinguishing features of currency, various types of negotiable instruments and/or deposit envelopes.
  • the sensing devices in combination with the control circuitry or other circuitry in the machine may comprise a validating device or assessing device for assessing the validity of notes or other documents.
  • a validating device or assessing device for assessing the validity of notes or other documents.
  • An example of such a device is shown in U.S. Patent 5,923,413 the disclosure of which is incorporated herein.
  • the validating or assessing device may additionally or alternatively be operative to identify individual notes.
  • the validating device may produce through algorithms one or more distinctive values that are generally uniquely associated with a particular note.
  • the validating device may include character recognition capabilities which enable determination ofthe serial numbers or other unique characters associated with particular notes. This may enable some embodiments ofthe machine to store in correlated relation in at least one data store, data that uniquely identifies a note input to the ATM and the particular user who provided the note to the machine. This may enable the ATM to identify a particular suspect note and capture the information on the user who provided it to the machine.
  • the particular type, position and capabilities of sensing devices and/or validating devices used in a particular machine will depend on the characteristics and types of documents which are intended to be processed by the machine.
  • the assessing device may operate in the manner ofthe incorporated disclosure to assess the validity of documents such as currency notes deposited in the machine.
  • the machine may operate in accordance with the programming ofthe control circuitry to store the valid note in an appropriate location within the machine, hi some exemplary embodiments this location may be in a storage location in which the note may be stored and from which the note may be subsequently dispensed to a user ofthe machine in the course of a transaction in which such a note is required. This may be for example dispensing cash to a subsequent user ofthe machine who requested cash withdrawal as part ofthe transaction. This occurs after the transaction ofthe user which resulted in the note being deposited in the machine.
  • a document may be identified as invalid. This may be based on the fact that the document has properties of a known counterfeit note.
  • the control circuitry ofthe machine may be programmed to identify such notes. In such circumstances exemplary embodiments may be programmed to cause the invalid note to be marked by one or more marking devices.
  • the marking provided by the marking device may be a permanent mark or a removable mark.
  • the mark may include at least a portion of an indicator which is associated with the transaction. This indicator may include a transaction number which is unique to the particular transaction in which the invalid document was deposited. Alternatively or in addition, the indicator may be indicia associated with an account of a user of the machine on whose behalf the invalid document was presented.
  • the note may be marked with indicia corresponding to a biometric identifier associated with the particular user who deposited the document.
  • markings may be applied.
  • markings may be wholly or partially in machine readable form such as bar code.
  • markings may include visible and/or nonvisible ink, the application of a label or other marking so as to identify the invalid document and to associate it with information which enables the source and/or circumstances related to the deposit ofthe document in the machine to be tracked or determined.
  • invalid documents are stored in a first storage location in the machine for later removal and study.
  • the information concerning the indicator or other documentation may be stored in a data store in the machine and/or transmitted to one or more remote computers in a network. Such information may be used for purposes of notifying the entity responsible for operating the machine such as a bank, an entity responsible for the customer and/or account into which the invalid document was attempted to be deposited and/or appropriate authorities who are responsible for issues related to counterfeit currency or other invalid documents, hi alternative embodiments a document determined to be invalid may be permanently marked so as to render it plainly unsuitable to be further passed and then returned to the user.
  • documents that are assessed by the machine may be assessed as likely to be valid, but of such questionable validity that the assessing device cannot provide assurance of document validity.
  • the control circuitry operates the automated banking machine to mark the document with a removable mark.
  • This removable mark may include an indicator associated with the transaction, the user or other circumstances as previously discussed.
  • the removable mark may comprise visible or nonvisible markings including markings in inks or other materials that are only visible when exposed to radiation within a certain frequency range. Such marking may also or alternatively include machine readable indicia, information corresponding to a biometric feature ofthe user or other data which may be correlated with the transaction, account or user.
  • the removable marking may include water soluble ink or other material that can be relatively readily removed by appropriate washing agents in the event that the note is eventually determined to be valid.
  • the removable marking device may employ a removable label or other indicator that may be applied in a semi-permanent fashion but removed as necessary if the deposited document is subsequently determined to be valid.
  • the automated banking machine upon receipt of a document of questionable validity, may operate in conjunction with remote computers to provide the account user or upon whose behalf the document is presented with a credit for the deposited document, hi such exemplary embodiments the credit may be subject to confirmation or revocation upon further assessment ofthe document for validity during a subsequent assessing operation which is later described.
  • Figure 6 shows a sheet 132 moving through the intersection 60 ofthe first sheet path 46 and sheet path 42.
  • Sheet 132 prior to reaching the position shown in Figure 6, may have been dispensed by one ofthe sheet dispensing devices positioned adjacent to transport path 42 and moved adjacent to the intersection by one or more transports which make up the transport path.
  • the control circuitry operates the drives which move the belts to work in cooperating relation to move the sheet toward the intersection.
  • the sheet 132 is carried in the first direction indicated by Arrow A in Figure 6.
  • Arrow A is in the direction of the customer opening 20 ofthe automated banking machine.
  • the structures act as a stack assembly mechanism.
  • the control circuitry 44 operating the transport drives in accordance with its program logic stored in memory, and in response to customer inputs at the customer interface.
  • a sensor schematically indicated 134 positioned in the first sheet path senses the position ofthe sheet.
  • Sensor 134 is in operative connection with the control circuitry.
  • Sensor 134 may be one of several types of sensors suitable for sensing the position of sheets, such as a photo reflective type sensor.
  • the control circuitry now operates the components ofthe machine to move sheet 132 in a second opposed direction as indicated by Arrow B.
  • sheet engaging rolls 112 and belts 116 rotate to prevent sheet 132 from passing into the second sheet transport path 42.
  • Transport section 100 is also operated by the control circuitry to engage sheet 132 and move it in the opposed direction.
  • a sheet turnover member 136 later described in detail, is moved to enable sheet 132 to pass roll 82 in the first sheet path.
  • sheet 132 is moved in the second direction until it is engaged between holding rolls 108 and transport section 100.
  • a sensor which is schematically indicated 138 is positioned to sense that sheet 132 is positioned in the holding device provided by the combination of holding rolls 108 and transport section 100.
  • Sensor 138 is operatively connected to the control circuitry which operates to stop further movement of sheet 132 in the second direction when it has reached the position shown. It should be noted that sheet 132 in this position is held adjacent to second intersection 76, which is the intersection of sheet path 74 and sheet path 46.
  • a further sheet 140 is moved in transport path 42 toward the intersection 60.
  • Sheet 140 may be dispensed by one ofthe sheet dispensing devices, sheet producing devices or is otherwise in the path, and is moved toward the intersection.
  • sheet 140 moves adjacent to the intersection it is engaged by the belts 116 of sheet directing apparatus 110 as well as belts 88.
  • Sheet 140 is also sensed by a sensor 142 in transport path 42.
  • Sensor 142 is in operative connection with the control circuitry.
  • the control circuitry operates to accurately coordinate the movement ofthe sheet
  • control circuitry operates to begin moving sheet 132 in the first direction along path 46 toward the intersection.
  • the control circuitry coordinates the operation ofthe drives for the various components so that sheet 140 and sheet 132 pass through the intersection 60 in coordinated relation.
  • sheets 132 and 140 engage in aligned, abutting relation so as to form a stack as they move through the intersection 60.
  • sensor 144 is operative to sense passage ofthe stack through the intersection and the control circuitry is operative to stop movement ofthe stack in the first direction in response to signals from the sensor. After sheets 132 and 140 have combined to form stack 144, additional sheets maybe added to the stack.
  • a stack comprising a significant number of generally aligned and abutting sheets may be formed in the manner described. Because the sheets are selectively dispensed from the dispensing devices and/or sheet producing devices adjacent to transport path 42, the sheets may be stacked in a desired order as determined by the control circuitry. For example, sheets which are currency notes may be stacked in order from highest to lowest denomination, or vice versa. Particular sheets may be placed in a desired location within the stack. Once the stack has been assembled in the desired manner by the control circuitry ofthe machine, it may be moved in first transport path 46 to the opening 20 so it may be taken by a customer.
  • the stack in the position of stack 144 shown in Figure 12, the stack is positioned in the holding device formed by holding rolls 108 and transport section 100 adjacent to intersection 76.
  • Intersection 76 is the intersection of transport path 46 and transport path 74.
  • Transport path 74 extends to the devices housed in the upper enclosure portion 26 of machine 10.
  • a sheet 146 maybe moved from one ofthe devices adjacent to sheet path 74 to engage the stack 144 at intersection 76 as the stack moves in the first direction.
  • This enables adding sheets to the stack which are housed in the sheet dispensing devices and/or document producing devices adjacent to sheet path 74.
  • the stack formed by the addition of sheets from sheet path 74 may be moved through sheet path 46 to the customer. It will be understood that sheets from sheet path 74 may be delivered individually through intersection 76 into sheet path 46, and may thereafter be added to a stack formed at intersection 60 in a manner similar to that previously described.
  • sheet path 74 includes appropriate sensors that are operatively connected to the control circuitry. The control circuitry operates so that sheets from the sheet path 74 may be added to a stack in engaged, aligned relation with the other sheets in the stack as the sheets pass through intersection 76. As a result the associated structures operate as a further stack assembly mechanism.
  • exemplary machine 10 further includes the capability of taking sheets in the first sheet path and turning them over using a turnover device. This may be done as shown in Figure 15, through the use of sheet turnover member 136.
  • Exemplary sheet turnover member 136 comprises a member including arcuate guides or tines conforming to the contour of rolls 82.
  • a moving sheet 148 is caused to be turned over from the position of the sheet in the first sheet path 46. This is accomplished by moving sheet 148 in the direction of Arrow C in Figure 15.
  • the upper belt flights of belt 80 are part of a sheet path generally indicated 150.
  • Sheet path 150 extends adjacent to printing device 70 and imaging device 72 shown in Figure 3.
  • the sheet may be selectively moved into sheet path 150 for purposes of conducting printing or marking thereon, such as by a marking or cancellation device, for producing an electronic image ofthe sheet by an imaging device, or both.
  • a marking or cancellation device for producing an electronic image ofthe sheet by an imaging device, or both.
  • other or different functions may be performed including devices for making a permanent mark or a removable mark on documents.
  • the sheet may be returned to the first sheet path 46.
  • the sheet 148 may be selectively moved to one ofthe other sheet paths 42 or 74. From these sheet paths it may be directed into and stored in an appropriate sheet storage device or location in the machine.
  • sheet 148 may be selectively moved to be combined in a stack with other sheets at intersections 60 or 76. This may in some embodiments provide for the delivery of cancelled checks to a user. Such cancelled checks may be delivered in a stack with other checks, receipts, notes or other documents.
  • the sheet turnover members 136 maybe configured so that sheets in transport path 150 may be directly added to a stack of sheets at the intersection of sheet path 46 and the turnover device. This is accomplished by configuring or moving the turnover member so that the tines in the lower position do not interfere with the passage of a stack of sheets in the first direction past the turnover member.
  • This feature provides yet another stack assembly mechanism and may be particularly advantageous when a customer receipt is printed on a sheet by the printer in sheet path 150, and it is desired to have the receipt at the top ofthe stack.
  • sheets from paths 74 and 42, as well as from path 150 may all be added to a stack as the stack moves from the holding device provided by transport section 100 and holding rolls 108, in the first direction toward the customer.
  • This can be readily envisioned from the schematic view shown in Figure 16 with the stack 144 moving to the right as shown, and sheets being added to the stack as the stack passes roll 82 and again as the stack moves through intersection 60.
  • numerous configurations and operations ofthe system may be provided depending on the functions carried out by the machine as well as the programming and configuration ofthe control circuitry. It should be understood that other sheet turnover devices, other than, or in addition to turnover member 136, may be provided in other embodiments.
  • a directing member 152 is shown in cooperating relation with roll 108.
  • Directing member 152 is selectively movable between the position shown, wherein it is adjacent to roll 108 and the position shown in phantom.
  • the directing member 152 when the directing member 152 is in the position shown it is operative to direct a sheet 154 that is held in the holding device formed by transport section 110 and holding rolls 108 into transport path 74.
  • Sheet 154 may be moved in transport path 74 to a sheet handling device for storage therein in the manner previously discussed.
  • turnover ofthe sheet 154 may be accomplished by moving it into transport path 174 and thereafter disposing directing member 152 away from roll 108.
  • sheet 154 may again be directed into path 146 and moved to the right as shown in Figure 18 so that sheet 154 will move in a manner comparable to that of sheet 146 shown in Figure 16. This will result in the orientation of sheet 154 being reversed in sheet path 46 from its original orientation.
  • the components adjacent to intersection 60 may also be operated as a sheet turnover device. This is represented schematically in Figure 20. This is accomplished by having a sheet 156 initially positioned in the first sheet path similar to sheet 132 in Figure 7. The sheet is then moved into the second sheet path at intersection 60 by operating the sheet directing apparatus 110 in a manner that is later discussed in detail. Once sheet 156 is in the second sheet path, the direction of belts 88 and 116 is reversed while the lower flights of belt 80 are moved to move the sheet in the second direction indicated by Arrow B. This results in the sheet being turned over from its original orientation in the transport.
  • sheets which originate in transport path 42 may also be directed in the manner shown in Figure 20. Tins feature enables selectively positioning sheets and turning them over through a number of different mechanisms. This enhances the capabilities ofthe exemplary automated banking machine.
  • a further useful aspect ofthe exemplary embodiment is that it includes a separating mechanism for separating sheets from a stack as represented schematically in Figures 13 and 14.
  • the exemplary embodiment shown includes the capability of selectively separating a sheet from a stack of sheets as the stack passes through the intersection 60 of transport path 46 and transport path 42.
  • a stack of sheets 158 moves in the direction indicated by Arrow B in transport path 46.
  • stack 158 is shown as a stack of four sheets, it should be understood that the stack may comprise a greater or lesser number of sheets.
  • Stack 158 may be a stack of sheets received from a user ofthe machine through opening 20 and may consist of different sheet types.
  • stacks accepted in the machine may include stacks of mixed notes, checks and/or other types of sheets
  • the control circuitry ofthe machine operates sheet directing apparatus 110 so that rolls 112 and 114, and belts 116 journaled thereon, move relative to the stack in a direction opposed to the direction of stack movement.
  • a first sheet 160 which bounds a first side ofthe stack, is frictionally engaged by belts 116 and is stripped and separated from the stack.
  • the first sheet 160 is directed into the sheet path 42 as the stack which comprises the remaining sheets continues on path 46. This enables sheet 160 to be handled separately by the devices adjacent to path 42, or to be later brought individually back to path 46 for individual transport to devices adjacent to other paths.
  • sheet handling stacking and unstacking mechanisms described in the exemplary embodiment are but examples of devices for handling documents such as notes, checks, or other sheets within an automated banking machine, h other embodiments other sheet handing and transport mechanisms may be used.
  • a sensor 162 is positioned adjacent to path 42.
  • Sensor 162 may be a photo electric sensor connected to the control circuitry for sensing the position ofthe sheet.
  • sensor 162 may comprise a plurality of similar or different sensors adapted for sensing features of a sheet.
  • Sensor 162 may be part of a validation or accessing device such as that previously discussed that is suitable for determining note type and denomination. This enables the control circuitry to properly identify a currency sheet and place it in a designated note handling mechanism, storage position or other the sheet receiving device.
  • Sensors 162 may alternatively operate in connection with the control circuitry or other circuitry to provide a validation mechanism or assessing device to determine or assess the genuineness of a sheet.
  • other features such as magnetic ink indicia, bar coding and other features may additionally or alternatively be detected by one or more sensors for purposes of identifying the type, nature an/or properties of a sheet as it moves adjacent the sensors.
  • the validation device may be operative to identify particular sheets, such as by serial number or other characteristics.
  • information maybe stored for suspect notes, and in others for all or certain selected categories of notes.
  • data concerning individual notes may be stored in a data store in correlated relation with information usable to determine the identity ofthe user who provided the note to the machine.
  • Other data may be stored as well, such as for example, the storage location or position where the note is stored in the machine or other information that can be used to recover the particular note and/or to document the transaction.
  • the machine may hold in a data store, identifying information related to notes for purposes of comparison to notes provided to the machine. This may include in some embodiments information corresponding to properties, characteristics or numbers associated with known counterfeit or invalid notes. Such information used for comparison may also include identifying data for individual notes already deposited in the machine. Thus for example, if a note provided to the machine is individually identified by determimng the serial number, the serial number may be compared through operation ofthe control circuitry to stored data for serial numbers of known counterfeits. Alternatively or in addition, the serial number ofthe note provided to the ATM may be compared to serial numbers for notes previously deposited or input in the machine. In the event of a match in either example the control circuitry would act in response to the apparent suspect note in accordance with its programming.
  • the control circuitry may operate to indicate when the note has been dispensed out ofthe machine. This may include for example deleting the infonnation about the note such as its serial number from the data store upon dispense. Alternatively such indication may include storing the information indicative that the particular note has been dispensed.
  • the information about the note dispensed may in some embodiments be stored in correlated relation with information unable to identify the user who received the note from the machine.
  • the approaches discussed with regard to notes may also be applied to other types of documents.
  • the control circuitry may operate the transports in the first path 46 to move the remaining stack to a position to the right ofthe intersection 60. If it is desired to separate an additional sheet from the stack, the remaining sheets may be moved through the intersection again in the direction of Arrow D to accomplish separation ofthe sheet that is newly bounding the side ofthe stack. Alternatively, if the control circuitry determines that it is not necessary to separate a further sheet from the stack, the sheet directing apparatus may be operated so that belts 116 and rollers 112 and 114, move in the same direction as rollers 92 and at a similar speed. This will result in the stack passing through the intersection without a sheet being separated from the stack.
  • the sheet directing apparatus comprises a plurality of rolls having resilient surfaces thereon that move at a relative speed that is less than the speed ofthe moving stack
  • other types of stripping and separating devices may be used. These may include for example, resilient pads or rolls. Such devices may also include resilient suction cup type mechanisms or vacuum generating devices.
  • Further alternative forms of sheet directing devices may include other physical members that engage selectively one or more sheets so as to direct them from path 46 into another path 42.
  • sheets may be separated from a stack as the stack moves from right to left.
  • the sheet directing apparatus it may be desirable to arrange the sheet directing apparatus so that sheets may be separated from a stack when the stack moves in either direction. This may be readily accomplished through arrangements of resilient rollers or other stripping devices or members which may be selectively actuated to engage and separate a sheet upon passage of a stack through an intersection. This configuration may have advantages in other embodiments where greater speed in sheet separation is desired.
  • a sheet separated from a stack is a check or other negotiable instrument that must be transferred to the imaging device, or an invalid note or note of questionable validity that should be transported to a marking device
  • path 46 includes three separately controlled transport sections 164, 166 and 168.
  • Transport section 164 is similar to the transport previously discussed, except that its belts terminate at rolls 170 and 172.
  • Transport section 166 may include an interwoven belt transport similar to that shown in Figure 5 with the exception that its belts are offset from those in transport section 164.
  • Transport section 166 may be driven by one or more independent reversible drives from transport section 164. The drive for transport section 166 is in operative connection with and operates under the control ofthe control circuitry.
  • Transport section 166 terminates in rolls 174 and 176. Rolls 174 and 176 are coaxial with other rolls that are spaced intermediate thereto that are part of transport section 168. Transport section 168 terminates at rolls 178 and 180 which are adjacent to a customer accessible opening indicated 182. Transport section 168 is operated by at least one independent reversible drive in response to the control circuitry.
  • Transport sections 166 and 168 along path 46 provide locations in which documents or stacks of documents may be temporarily stored as other documents are routed through intersections 60 and 76. After the necessary processing is done on the individual documents, the documents that are temporarily stored in the transport sections 166 and 168 may be moved to other transport sections for further processing. It should be understood that transport sections 166 and 168 include appropriate sensors for sensing the positions ofthe documents being temporarily stored therein which enables the control circuitry to coordinate movement thereof.
  • a further advantage ofthe exemplary embodiment described herein is that not only may the automated banking machine 10 accept individual documents and stacks of documents from a customer, but it may also accept conventional deposit envelopes.
  • a thick sheet like deposit envelope 184 may be moved along path 46 from a customer.
  • the identification ofthe deposited item as a deposit envelope may be made based on readings from sensors 126, 128 or 130 as shown in Figure 4, or alternatively or in addition based on customer inputs through one or more input devices at the customer interface 12 ofthe machine.
  • Deposit envelope 184 moves in transport path 46 in the direction of Arrow E as shown in Figure 17.
  • the control circuitry operates the sheet directing apparatus 110 to direct the envelope into transport path 42.
  • the control circuitry also enables roll 96 and belts 88 to move in the direction indicated by Arrow F. This causes the flight of belt 88 to move to the position shown in phantom in Figure 4. This enables the envelope to move into the depository device 40 (see Figure 3) in which it may be stacked in aligned relation with other envelopes.
  • the control circuitry may also operate transport 118 and rolls 124 shown in Figure 4 to assure that envelope 184 does not pass further along sheet transport path 42 than the depository 40.
  • the ability ofthe embodiment ofthe automated banking machine to handle depository envelopes, stacks of sheets and individual sheets, provides enhanced functionality for the machine.
  • the ability ofthe exemplary embodiment to accept thick items in the area of path 42 adjacent to the intersection, also enables the control circuitry to use the area adjacent to the intersection as a temporary storage location for stacks of sheets. This may be desirable in some embodiments where a receipt form is delivered on transport path 74 and must be directed to transport path 150 for printing thereon before being combined with a stack to be delivered to a customer.
  • the exemplary embodiment ofthe ATM has the capability of storing the assembled stack of sheets adjacent to intersection 60 in transport path 42 until such time as the printed receipt is moved into the intersection along first path 46.
  • the stack is moved into the intersection in coordinated relation therewith so that the printed receipt is assembled into the stack and positioned at the top side ofthe stack.
  • the assembled stack may be moved along transport path 46 to the opening where it may be taken by the customer.
  • the ATM may also operate to provide certain types of documents in exchange for other documents. As previously discussed, some embodiments may receive checks or other instruments, validate the check, and provide the user with currency notes. In some embodiments, a user may provide notes to the ATM and receive other types of documents such as money orders, scrip, vouchers, gift certificates or bank checks. In some embodiments the control circuitry may operate in the manner previously discussed to store information concerning individual notes in a data store in correlated relation with information usable to identify the user who deposited the notes in the machine. Some embodiments may store in correlated relation with all or a portion of such data, information which identifies the check, money order or other document provided by the machine to the user.
  • the ability of a single user to provide cash to the ATM may be controlled or limited to avoid money laundering or other suspect activities.
  • a user placing notes in the ATM to purchase money orders or other documents may be required to provide at least one identifying input.
  • This may include a biometric input such as a thumbprint for example.
  • Such at least one identifying input may include data on a card or other device a user provides to operate the machine, or may be in lieu thereof or in addition thereto.
  • some embodiments may enable use ofthe ATM to buy documents such as money orders, gift certificates or other documents without using a card or similar device to access the machine, hi some cases a user may exchange notes of certain denominations for notes of other denominations. In such cases the control circuitry may require at least one identifying input from the user requesting to exchange cash for other documents.
  • the control circuitry may operate in accordance with programmed instructions and parameters to limit the number or value of documents a user may purchase or otherwise receive. This may include comparing user identifying data with data input in connection with prior transactions. This may be done by comparing user input data stored in a data store at the particular ATM, and/or data stored in computers connected to the ATM. By limiting the number or value of documents a user can purchase with cash, either overall, for a particular document or within a given time period, the risk of illegal activities such as money laundering can be minimized. Further such systems may more readily enable funds to be tracked.
  • Machine 186 is similar to machine 10 except that it includes two fascias and customer interfaces designated 188 and 190. Machine 186 is capable of operation by two users generally simultaneously.
  • the sheet handling mechanism for machine 186 is indicated 192 in Figure 21.
  • the sheet handling mechanism 192 is similar to that described in the first embodiment, except as otherwise noted.
  • Mechanism 192 includes a first customer accessible opening 194 in customer interface 190, and a second customer accessible opening 196 in customer interface 188.
  • Customer opening 196 receives and delivers sheets through a transport section 197.
  • Transport section 197 is preferably an interwoven belt type transport ofthe type shown in Figure 5 and is capable of moving sheets, envelopes and stacks of sheets in engagement therewith.
  • Transport section 197 is operated by a reversible drive similar to the reversible drives used for the other belt transport sections, and is in operative connection with the confrol circuitry ofthe machine.
  • the operation ofthe alternative sheet handling mechanism 192 is similar to that previously described except that the sheets, envelopes or stacks of sheets that are processed may be received from or delivered to either customer opening 194 or customer opening 196. Because ofthe high speed capability ofthe exemplary embodiment, it is possible for the sheet handling mechanism 192 to adequately service two users simultaneously without undue delay.
  • the modifications necessary for the sheet handling mechanism ofthe first embodiment to accommodate two simultaneous users is relatively modest, h the exemplary embodiment it is possible to increase the number of customer interfaces on the machine from one to two at a relatively small cost. This is particularly advantageous for an automated teller machine positioned in a high customer traffic area. It is also useful for automated banking machines, such as those used by tellers to count and dispense currency notes. This is because the configuration ofthe sheet handling mechamsm enables two tellers or other personnel to be serviced by a single machine.
  • Exemplary embodiments may operate to assure operation in accordance with the principles of U.S. Patent No. 6,315,194, the disclosure of which is incorporated by reference as if fully rewritten herein.
  • Figure 24 shows schematically an exemplary system 200 and the steps in an associated method for handling documents such as notes of questionable validity or invalid documents or notes that have been received by an automated banking machine 202.
  • Banking machine 202 may be similar to ATMs 10 or 186 previously described or may have a different construction.
  • the automated banking machine includes an assessing device for assessing the validity of documents such as notes that are deposited by a user into the machine in the course of one or more transactions.
  • the assessing device operates as previously described in connection with a controller, control circuitry or other devices in the machine to identify documents of questionable validity and/or invalid documents.
  • notes that are deposited in the machine may be determined to be invalid such as a clearly counterfeit note or other document that is not a note.
  • Other documents that are deposited in the machine may be determined tlirough operation ofthe assessing device to be more likely than not to be valid notes, but which nonetheless do not qualify as documents which the machine accepts as unquestionably valid.
  • the determination as to what parameters qualify a particular note or other type of document in the machine as unquestionably valid, of questionable validity or invalid may in some embodiments be set by the operator ofthe machine and/or by appropriate authorities within the jurisdiction in which the machine is operated.
  • the automated banking machine 202 operates to accept documents of questionable validity, but marks such documents with at least one removable mark so that each document may be tracked and later further assessed as valid or invalid, hi the exemplary embodiment ofthe system 200 shown in Figure 24, the machine 202 communicates through a network 204 with one or more computers which are remotely located. Such remote computers may include computers located at a bank, financial institution or other source of monetary value schematically indicated 206.
  • a user operating the exemplary ATM 202 generally identifies themselves or an account in the manner previously discussed and conducts transactions which may include presenting or receiving documents such as notes.
  • the ATM 202 communicates messages through the network 204 to one or more bank computers 206 to authorize and record the transaction.
  • Such transactions generally have associated indicia which is stored at the ATM, the bank or other computers in the network, for purposes of documenting the transaction and settling accounts between users, machine operators, banks and other entities that may be involved in transactions that are conducted.
  • One or more indicators which may be associated with a transaction may include a unique transaction number associated with a particular transaction in which a document is presented. The transaction number may correspond to a transaction at a particular date, time, and ATM.
  • an indicator associated with the transaction may include information on the account ofthe user or other entity on whose behalf the transaction is conducted.
  • an indicator associated with the transaction may include biometric or other data concerning the particular individual conducting the transaction or having the account.
  • indicators may comprise combinations of such information as well as data from other sources.
  • the control circuitry which is alternatively referred to herein as a controller or processor operating in the ATM, is operative to associate such one or more indicators with the transaction. Further in the exemplary embodiment of a system 200, the control circuitry is operative to cause the ATM to communicate through the network with the appropriate bank 206 to grant a credit to the user for having provided a valid document to the machine.
  • one or more computers at the bank or otherwise connected to the network may further receive from the controller in the ATM an indication that the machine has received the questionable document from the particular user that requires subsequent assessment. Alternatively or in addition the ATM may provide further information about the questionable document for which a credit has been given.
  • Such information may include for example a serial number from the document, an image ofthe document or other identifying information related to the particular document which enables the document to be uniquely identified.
  • Other information may include transaction information corresponding to a particular account, date, time, and ATM.
  • the credit that a user or account receives related to a document of questionable validity may be specifically indicated by the controller in the ATM, the bank or both, as being a provisional credit which may be revoked if the document is not later verified as valid.
  • the credit granted for a document of questionable validity may be the same as that granted for documents assessed as being of unquestionable validity.
  • documents assessed as of questionable validity in the ATM are moved in the ATM to a marking device such as printing device 70.
  • the printing device is operative to place a mark on the document that is of questionable validity
  • the marking device is operative responsive to the control circuitry ofthe ATM to mark the document with a removable mark.
  • the removable mark in some exemplary embodiments may comprise removable ink which can be subsequently removed from a document without damaging the inks or other features that are normally required to be on the document.
  • the marking device may apply a removable label, sticker or other subsequently removable item to the document which identifies the particular document as of questionable validity.
  • the marking of a document may also comprise generating unique identifying information which corresponds to a particular unacceptable document, such as corresponding to a serial number on a currency note.
  • the particular document can be kept separated.
  • the document information can be of a suitable format, e.g., digital images, permitting storage thereof in computer memory.
  • the stored document infonnation may be comparable to information in a database to check for improprieties. For example, a serial number on a currency note may match a serial number in a database watch list. Other comparisons may show that the serial number matches a document that was aheady destroyed. Other comparisons involving computers in real time may show that the serial number matches a document currently in another ATM.
  • the comparing may involve a global computer network capable of accurately tracking currency in the domain of banks, governments, etc.
  • the removable mark includes at least a portion ofthe indicator associated with the transaction.
  • indicators may include all or portions ofthe unique transaction number, account number, user identifying data, biometric data or other data which is suitable for use by the system.
  • the indicator provides specific information so that the particular document can be later identified and the particular user or entity on whose behalf the document has been placed in the machine can later be notified and any credit granted for the document revoked if the document is later determined not to be valid.
  • the marking device is operative to mark documents assessed as having questionable validity with a mark comprising visible inks which are visible to users under ambient lighting conditions.
  • marks applied to documents may comprise nonvisible ink or similar materials.
  • the removable mark may comprise a removable ink which is visible or detectable only when exposed to radiation within a certain frequency range. This may include for example exposure to concentrated ultraviolet light, infrared light or other frequencies.
  • the markings may be comprised of machine readable indicia such as bar code or other indicia corresponding to biometric or other data.
  • these approaches are exemplary and in other embodiments other types of removable marks and indicators may be used.
  • documents of questionable validity after being marked with the removable mark are stored in a first storage location in the machine.
  • the first storage location in the exemplary embodiment is a location for storing documents which have been marked and is a different location than the storage locations which are used to store documents that have been assessed as valid.
  • documents that are received by the machine from a user in the course of a first transaction which are assessed as being of questionable validity are marked with the removable mark and placed in a first storage location.
  • Other documents which are assessed as valid are stored in one or more appropriate second storage locations.
  • a document stored in the second location may be later dispensed from the machine to another user in the course of a second transaction in which the subsequent user requests the dispense of such a document.
  • the removable mark applied to documents of questionable validity is such that the documents may be subsequently assessed or later discussed without removal ofthe mark. This may include for example marking the documents in locations that do not change or obscure security features or other aspects ofthe documents that must be assessed to determine validity. Alternatively the marking may be applied in ink or color of a particular type that does not interfere with a subsequent assessing operation with the removable mark still in place. Of course in other embodiments other approaches may be used.
  • exemplary ATM 202 documents that are assessed as invalid by the assessing device are captured by the machine. For such documents the control circuitry and other connected computers do not operate to give the user or account holder any credit for such documents.
  • the exemplary ATM 202 includes a device for applying a permanent mark to documents assessed to be invalid.
  • marking devices for applying a permanent mark may include printing devices which apply a permanent ink or other material to the invalid document.
  • the invalid documents may be totally or partially torn, punched or otherwise mutilated so as to be sure that they will not be readily placed in circulation.
  • information concerning the invalid documents may be passed by the machine to the network 204 and to the bank 206.
  • the bank may thereafter communicate through one or more communication systems 208 to the proper authorities 210 for purposes of investigating the circumstances and the source ofthe invalid documents.
  • Such information may include images of documents, information about the particular user or account associated with deposit ofthe document, or other information that will facilitate the investigation ofthe source and/or circumstances surrounding the particular document.
  • an invalid document may also be stored in an appropriate storage location in the machine for purposes of tracking and later transmission to the authorities who investigate the circumstances related to the presentation ofthe invalid document.
  • this approach is exemplary and in other embodiments other approaches may be used.
  • documents of questionable validity indicated 212 are removed from the ATM machine and transported to an assessing operation schematically indicated 214.
  • documents assessed to be invalid as well as documents assessed to be of questionable validity may be transported to the assessing operation.
  • the assessing operation 214 of the exemplary embodiment is shown as indicated remotely from the ATM machine, in some embodiments the assessing operation may be conducted adjacent to or even within the automated banking machine.
  • the assessing activity 216 may involve machine sensing as well as human sensing ofthe particular document.
  • the document 218, in the assessing activity the document is preferably assessed for validity with the removable mark 220 remaining in place thereon. As previously discussed this is facilitated in some embodiments by locating the removable mark in an area which does not include significant security features or by providing the removable mark in an ink or other material that does not interfere with assessing the validity ofthe document.
  • these approaches are exemplary and in other embodiments other approaches may be used.
  • the note or other document of questionable validity is reviewed again to determine whether the document is valid or invalid.
  • the assessing activity through the operation of one or more computers, processors or other devices, communicates messages to the bank 206 and confirms that the particular document is valid. This is represented schematically by a function 222.
  • the bank 206 or other appropriate entities may take action to remove the provisional nature ofthe credit previously associated with the deposit ofthe document. Of course as previously discussed in alternative embodiments such confirmation may not be necessary as no provision is made to make the credit provisional.
  • the assessing operation is operative to remove the removable marks from the notes assessed as valid.
  • the removal ofthe mark may include the washing and drying of notes with appropriate materials so as to remove the removable mark while not damaging the particular document. This may include for example washing the note with a water-based material and drying the note so as to remove the mark. Alternatively in situations where removable labels or other items have been applied such items are removed in the course of function 224. Of course in some embodiments particularly in cases where the mark is not visible to the naked eye, it may not be necessary to remove the removable mark from the particular document. Whether the removable mark is removed will depend on the particular system, the nature of the mark and the requirement ofthe particular entity operating the system or the authorities responsible for the document.
  • the exemplary assessing operation also includes a fitness assessment function schematically indicated 226.
  • the fitness assessment function in the exemplary embodiment is operative to review the document to determine if its character is such that it should be returned to general circulation or transferred to appropriate authorities to be removed from circulation. For example in the case of cunency notes that are worn or permanently marked or disfigured, it may be appropriate to deliver such notes for destruction to a central bank or other authority. This will generally avoid further circulation ofthe note and the need to conduct subsequent analysis in the event that the note should again be presented and assessed to be of questionable validity.
  • the document is routed to the operations ofthe bank or other entity responsible for the assessing operation and may be returned to circulation. This may include for example placing the document in a cassette or other container that may be returned to an automated banking machine at which the document may be dispensed in the course of subsequent transactions.
  • the assessing operation is operative to communicate tlirough one or more computers or processors with the bank 206 that the particular document has been assessed as invalid, hi response to receiving such notice, the bank operates to revoke the credit that has been given to the particular user or account holder responsible for presenting the document. Because the particular user may face problems with their account if they are not made aware that the credit for the document has been revoked, in the exemplary embodiment the bank 206 notifies the user or account holder that the provisional credit has been revoked. This step is schematically represented 230.
  • a document When a document has been determined to be invalid, it may also be appropriate for the bank or other entity to notify the appropriate authorities 210 ofthe nature ofthe transaction and/or the invalid document.
  • the document As schematically represented in Figure 24, in situations where the document is assessed as invalid, the document is maintained with the marking thereon as represented schematically by a function 232.
  • the document may be maintained with the removable marking thereon and appropriately segregated to avoid any tampering or subsequent distribution ofthe particular document except to the proper authorities. This may facilitate maintaining an accurate chain of custody for purposes of conducting an investigation of the user or the particular circumstances under which the invalid document was presented to the machine. For example authorities responsible for investigating instances of counterfeit currency may need to obtain the marked document and information related to the transaction and the user for purposes of investigating illegal activity.
  • documents assessed as invalid by the ATM 202 may nonetheless be reassessed in the assessing operation for purposes of determining if in fact the document is valid.
  • documents assessed as invalid may also be marked with a removable mark rather than a permanent mark.
  • all documents of questionable validity or invalid maybe marked with permanent markings. Such markings may be desirable in some circumstances as documents that cannot be assessed as valid may be appropriately marked so as to remove them from circulation. If a document originally assessed as clearly invalid is determined through an assessing operation to in fact be valid, appropriate messages may be sent to the bank or other entities to indicate to the user, account holder or other authorities, that the document was detennined to be valid.
  • system 200 is exemplary and in other embodiments other approaches, devices and method steps may be utilized.
  • exemplary embodiment of an automated banking machine and associated methods ofthe present invention achieves at least some ofthe above stated objectives, eliminates difficulties encountered in the use of prior devices and systems, solves problems and attains the desirable results described herein.

Landscapes

  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Theoretical Computer Science (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Pile Receivers (AREA)

Abstract

La présente invention concerne un guichet automatique bancaire (10) qui comprend une interface utilisateur (12) présentant une ouverture (20). Les utilisateurs de ce guichet fournissent/reçoivent des feuilles individuelles et des piles de feuilles à/du guichet, à travers l'ouverture. Les piles de feuilles peuvent comprendre des feuilles telles que des billets, des chèques ou d'autres documents. Les piles fournies au guichet peuvent comprendre des combinaisons de divers types de feuilles. Le guichet est conçu pour recevoir des billets, traiter des chèques et réaliser d'autres opérations. Les billets reçus par le guichet et identifiés comme valables peuvent être recyclés et distribués à d'autres utilisateurs et les billets dont la validité est mise en doute peuvent être marqués à l'aide d'une marque pouvant être enlevée et être soumis à une autre analyse. Les chèques traités par le guichet peuvent être mis en image par un dispositif d'imagerie, effacés ou stockés dans le guichet ou être retournés à un utilisateur. Les documents produits par le guichet, tels que des reçus, des chèques ou des mandats, et les billets distribués par le guichet peuvent être réunis en une pile à l'intérieur du guichet et être distribués par le guichet à travers l'ouverture.
EP02789407A 2001-11-05 2002-11-04 Systeme et procede de depistage de monnaie pour guichet automatique bancaire Withdrawn EP1573433A4 (fr)

Applications Claiming Priority (11)

Application Number Priority Date Filing Date Title
US33891901P 2001-11-05 2001-11-05
US338919P 2001-11-05
US09/992,357 US6783061B2 (en) 1997-11-28 2001-11-13 Storing information concerning suspect currency notes received in an ATM
US993070 2001-11-13
US992357 2001-11-13
US09/993,070 US6749111B2 (en) 1997-11-28 2001-11-13 Automated banking machine
US10/141,798 US7433844B2 (en) 2001-11-05 2002-05-07 Automated banking machine currency tracking method
US141798 2002-05-07
US10/141,425 US7028888B2 (en) 2001-11-05 2002-05-07 Automated banking machine currency tracking system
US141425 2002-05-07
PCT/US2002/035325 WO2003040881A2 (fr) 2001-11-05 2002-11-04 Systeme et procede de depistage de monnaie pour guichet automatique bancaire

Publications (3)

Publication Number Publication Date
EP1573433A3 EP1573433A3 (fr) 2005-08-25
EP1573433A2 true EP1573433A2 (fr) 2005-09-14
EP1573433A4 EP1573433A4 (fr) 2007-10-24

Family

ID=27538146

Family Applications (1)

Application Number Title Priority Date Filing Date
EP02789407A Withdrawn EP1573433A4 (fr) 2001-11-05 2002-11-04 Systeme et procede de depistage de monnaie pour guichet automatique bancaire

Country Status (8)

Country Link
EP (1) EP1573433A4 (fr)
CN (1) CN1636222B (fr)
AU (1) AU2002354003A1 (fr)
BR (2) BRPI0213901B1 (fr)
CA (1) CA2465116C (fr)
MX (1) MXPA04003838A (fr)
PL (1) PL375097A1 (fr)
WO (1) WO2003040881A2 (fr)

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US10115259B2 (en) 2012-06-15 2018-10-30 Ncr Corporation Item validation

Families Citing this family (20)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JP4200055B2 (ja) * 2003-06-12 2008-12-24 日立オムロンターミナルソリューションズ株式会社 紙幣取引システム
DE10360862A1 (de) 2003-12-23 2005-07-21 Giesecke & Devrient Gmbh Verfahren für die Identifizierung von gefälschten Banknoten
US8073751B2 (en) * 2006-10-31 2011-12-06 Bank Of America Corporation Automated review and hold placement
JP5096042B2 (ja) * 2007-05-29 2012-12-12 日立オムロンターミナルソリューションズ株式会社 紙葉類取扱装置及びその制御方法
DE102008020208A1 (de) 2008-04-22 2009-10-29 Wincor Nixdorf International Gmbh Verfahren und Vorrichtung zur Speicherung von Informationen über Gegenstände, die einem SB-Terminal zugeführt wurden
RU2402816C2 (ru) * 2008-08-27 2010-10-27 Олег Григорьевич Греш Способ обнаружения банкнот с дефектом уникальности и система для его осуществления (варианты)
US8405862B2 (en) * 2009-10-30 2013-03-26 Kabushiki Kaisha Toshiba Printing managing apparatus, image forming apparatus, and printing managing method
DE102010015588A1 (de) * 2010-04-19 2011-10-20 Beb Industrie-Elektronik Ag Verfahren zur Auszahlung von Banknoten durch Geldautomaten und Geldautomat zur Durchführung des Verfahrens
GB201107398D0 (en) * 2011-05-04 2011-06-15 Sharkey Brian A Improvements in or relating to casino apparatus
JP2013164802A (ja) 2012-02-13 2013-08-22 Glory Ltd 紙幣処理装置および紙幣処理方法
KR101364880B1 (ko) * 2012-07-03 2014-02-20 주식회사 엘지씨엔에스 매체처리장치, 매체처리방법 및 이를 이용한 금융기기
US9754434B2 (en) * 2015-05-29 2017-09-05 Diebold, Inc. Moveable platen in document handling systems for an automated teller machine
JP2017058962A (ja) 2015-09-16 2017-03-23 グローリー株式会社 紙葉類処理装置及び紙葉類処理方法
US10437778B2 (en) 2016-02-08 2019-10-08 Bank Of America Corporation Archive validation system with data purge triggering
US9823958B2 (en) 2016-02-08 2017-11-21 Bank Of America Corporation System for processing data using different processing channels based on source error probability
US10437880B2 (en) 2016-02-08 2019-10-08 Bank Of America Corporation Archive validation system with data purge triggering
US10460296B2 (en) 2016-02-08 2019-10-29 Bank Of America Corporation System for processing data using parameters associated with the data for auto-processing
US10067869B2 (en) 2016-02-12 2018-09-04 Bank Of America Corporation System for distributed data processing with automatic caching at various system levels
US9952942B2 (en) 2016-02-12 2018-04-24 Bank Of America Corporation System for distributed data processing with auto-recovery
CN110827068A (zh) * 2019-10-28 2020-02-21 广州凯风科技有限公司 基于支付系统的票据数据处理方法、系统、设备及介质

Citations (8)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
GB2135496A (en) * 1983-02-15 1984-08-30 Tokyo Shibaura Electric Co Automatic bank note transaction system
US4653647A (en) * 1982-09-16 1987-03-31 Tokyo Shibaura Denki Kabushiki Kaisha Sorting and stacking apparatus
EP0653734A2 (fr) * 1993-11-15 1995-05-17 NCR International, Inc. Appareil de dépôt pour enveloppes et feuilles séparées
EP0845763A1 (fr) * 1996-11-29 1998-06-03 NCR International, Inc. Machines bancaires
WO1999028225A1 (fr) * 1997-11-28 1999-06-10 Diebold, Incorporated Mecanisme d'alignement de documents destine a un guichet automatique bancaire recyclant la monnaie
WO1999028870A2 (fr) * 1997-11-28 1999-06-10 Diebold, Incorporated Guichet automatique bancaire
WO2000015530A1 (fr) * 1998-09-17 2000-03-23 Diebold, Incorporated Systeme de stockage et de recyclage de supports pour guichet automatique bancaire
WO2001082219A2 (fr) * 2000-04-20 2001-11-01 Sterling Commerce(Northern America), Inc Procede et systeme d'emulation d'une trieuse de cheques

Family Cites Families (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US4321672A (en) * 1979-11-26 1982-03-23 Braun Edward L Financial data processing system
US5221830A (en) 1989-10-10 1993-06-22 Unisys Corp. Method of ordering displayed document images in an image based document processing system
FR2734385B1 (fr) * 1995-05-15 1997-07-18 Champoud Roland Dispositif et procede de marquage et/ou de detection de faux billets de banque ou de faux cheques
US5897625A (en) 1997-05-30 1999-04-27 Capital Security Systems, Inc. Automated document cashing system
US6038553A (en) * 1997-09-19 2000-03-14 Affiliated Computer Services, Inc. Self service method of and system for cashing checks
US6131718A (en) * 1998-09-30 2000-10-17 Lucent Technologies Inc. System and method for the detection of counterfeit currency

Patent Citations (8)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US4653647A (en) * 1982-09-16 1987-03-31 Tokyo Shibaura Denki Kabushiki Kaisha Sorting and stacking apparatus
GB2135496A (en) * 1983-02-15 1984-08-30 Tokyo Shibaura Electric Co Automatic bank note transaction system
EP0653734A2 (fr) * 1993-11-15 1995-05-17 NCR International, Inc. Appareil de dépôt pour enveloppes et feuilles séparées
EP0845763A1 (fr) * 1996-11-29 1998-06-03 NCR International, Inc. Machines bancaires
WO1999028225A1 (fr) * 1997-11-28 1999-06-10 Diebold, Incorporated Mecanisme d'alignement de documents destine a un guichet automatique bancaire recyclant la monnaie
WO1999028870A2 (fr) * 1997-11-28 1999-06-10 Diebold, Incorporated Guichet automatique bancaire
WO2000015530A1 (fr) * 1998-09-17 2000-03-23 Diebold, Incorporated Systeme de stockage et de recyclage de supports pour guichet automatique bancaire
WO2001082219A2 (fr) * 2000-04-20 2001-11-01 Sterling Commerce(Northern America), Inc Procede et systeme d'emulation d'une trieuse de cheques

Non-Patent Citations (1)

* Cited by examiner, † Cited by third party
Title
See also references of WO03040881A2 *

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US10115259B2 (en) 2012-06-15 2018-10-30 Ncr Corporation Item validation

Also Published As

Publication number Publication date
BRPI0213901A2 (pt) 2017-05-23
WO2003040881A2 (fr) 2003-05-15
CN1636222A (zh) 2005-07-06
WO2003040881A3 (fr) 2005-08-25
BRPI0213901B1 (pt) 2019-03-19
AU2002354003A1 (en) 2003-05-19
CN1636222B (zh) 2010-04-21
CA2465116A1 (fr) 2003-05-15
CA2465116C (fr) 2013-02-19
PL375097A1 (en) 2005-11-14
AU2002354003A8 (en) 2005-11-17
EP1573433A4 (fr) 2007-10-24
MXPA04003838A (es) 2005-02-17
BRPI0213901A8 (pt) 2017-12-05

Similar Documents

Publication Publication Date Title
US7028888B2 (en) Automated banking machine currency tracking system
US8474708B2 (en) Automated banking machine controlled responsive to data bearing records with currency tracking
US6749111B2 (en) Automated banking machine
US7559460B2 (en) Automated banking machine
US6783061B2 (en) Storing information concerning suspect currency notes received in an ATM
US7584883B2 (en) Check cashing automated banking machine
CA2465116C (fr) Systeme et procede de depistage de monnaie pour guichet automatique bancaire
US7513413B2 (en) Correlation of suspect currency note received by ATM to the note depositor
US7513417B2 (en) Automated banking machine
US7591414B2 (en) Automated banking machine
US7748611B2 (en) Automated banking machine
US7748612B2 (en) Automated banking machine
US7815104B2 (en) Automated banking machine
US7588182B2 (en) Automated banking machine
RU2273052C2 (ru) Система и способ для отслеживания денежных знаков посредством автоматизированной банковской машины
ZA200402990B (en) Automated banking machine currency tracking system and method

Legal Events

Date Code Title Description
PUAI Public reference made under article 153(3) epc to a published international application that has entered the european phase

Free format text: ORIGINAL CODE: 0009012

PUAK Availability of information related to the publication of the international search report

Free format text: ORIGINAL CODE: 0009015

17P Request for examination filed

Effective date: 20040427

AK Designated contracting states

Kind code of ref document: A2

Designated state(s): DE ES FR GB IT

AK Designated contracting states

Kind code of ref document: A3

Designated state(s): DE ES FR GB IT

RIC1 Information provided on ipc code assigned before grant

Ipc: 7G 06F 17/60 A

A4 Supplementary search report drawn up and despatched

Effective date: 20070920

17Q First examination report despatched

Effective date: 20080530

STAA Information on the status of an ep patent application or granted ep patent

Free format text: STATUS: THE APPLICATION HAS BEEN WITHDRAWN

18W Application withdrawn

Effective date: 20160706