"The Americans have need of the telephone, but we do not. We have plenty of messenger boys."
Sir William Preece, chief engineer, British Post Office ; 1878
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| Number | Title | Issue Date |
| 8181859 | Method of authorizing automated banking machine use responsive to user data read from data bearing records An automated banking machine operates responsive to data read from data bearing records, such as user cards, to cause machine user authorization and financial transfers. Account data read from a user card is associated in a data store with instructions for displayin... | 05/22/2012 |
| 8181857 | Banking system controlled responsive to data bearing records An automated banking machine is operated responsive to data read from data bearing records. The automated banking machine operates responsive to the card data read from user cards to carry out financial transfers for authorized users. The banking machine includes a ... | 05/22/2012 |
| 8181855 | Banking system controlled responsive to data bearing records An automated banking machine operates using data read from user cards. The machine is operative to transfer funds in account. The machine includes a fascia adapted to be held by a lock adjacent an opening of a housing supported atop a chest. The fascia is in operati... | 05/22/2012 |
| 8181853 | System controlled by data bearing records including check accepting and cash dispensing automated banking machine A banking system controlled responsive to data bearing records includes an automated banking machine which includes a deposit accepting device. Data read from a user card through operation of a card reader in the machine is used to determine if the data on the card ... | 05/22/2012 |
| 8177126 | Banking system operated responsive to data read from data bearing records An exemplary system includes an automated banking machine (322) which is operable to conduct transactions including cash dispensing for users responsive to communication with a transaction host (336). The machine is also operative to provide output sig... | 05/15/2012 |
| 8172136 | Method of authorizing automated banking machine use responsive to user data read from data bearing records An automated banking machine operates responsive to data read from data bearing records, such as user cards, to cause machine user authorization and financial transfers. Account data read from a user card is associated in a data store with instructions for displayin... | 05/08/2012 |
| 8172134 | Automated banking machine and system that operates to cause financial transfers responsive to data read from data bearing records An automatic banking machine operates responsive to data read from data bearing records to cause financial transfers. The machine includes a card reader that reads data corresponding to financial accounts from user cards, and carries out transactions related to the ... | 05/08/2012 |
| 8172133 | Automated banking machine system and method A banking transaction processing system includes customer stations and at least one server provider station. The customer stations include automated banking machines. Each automated banking machine includes a card reader that reads indicia on user cards correspondin... | 05/08/2012 |
| 8157163 | Check accepting and cash dispensing automated banking machine system and method An automated banking machine operates to carry out financial transactions responsive to data bearing records including account data read from user cards. The banking machine may accept checks and dispense cash to users. The machine is operated to acquire image and m... | 04/17/2012 |
| 8152055 | Banking system controlled responsive to data bearing records and user input of a phone received security code A banking system operates to cause financial transfers responsive to card data read from data bearing records by a card reader. The system includes at least one automated banking machine comprising a cash dispenser. The system is operative during a cash dispense tra... | 04/10/2012 |
| 8146803 | Automated banking machine with noncontact reading of card data An automated banking machine can receive user card data from a cell phone. The phone stores the card data of several selectable cards, including electronic account number data. The machine generates and displays a random number correlated with a time period. A machi... | 04/03/2012 |
| 8146802 | Automated banking machine with noncontact reading of card data An automated banking machine can receive user card data from a cell phone. The phone stores the card data of several selectable cards, including electronic account number data. The machine generates and displays a random number correlated with a time period. A machi... | 04/03/2012 |
| 8146801 | Card activated automated banking machine system and method A card actuated automated banking machine (10) is operative to carry out financial transactions responsive to data included on user cards. The machine includes a user interface (15) including a display (24). The user interface includes a card re... | 04/03/2012 |
| 8141774 | Check accepting and cash dispensing automated banking machine system and method An automated banking machine operates responsive to data read from user cards to accept checks and dispense cash to authorized machine users. The machine can compare image data and magnetic data obtained from a check to determine the genuineness of the check. The ma... | 03/27/2012 |
| 8141773 | Automated banking machine that operates responsive to data read from data bearing records An automated banking machine operates responsive to data read from data bearing records to cause financial transfers. The machine includes a card reader that operates to read card data from user cards. The card data corresponds to financial accounts. The automated b... | 03/27/2012 |
| 8132718 | Method of operating banking system responsive to data bearing records An automated banking machine operates responsive to data included on user cards. The machine includes a deposit accepting device. The deposit accepting device is operative to receive a stack of sheets and to separate each sheet from the stack through operation of a ... | 03/13/2012 |
| 8132717 | Automated banking machine that operates responsive to data bearing records A system controlled responsive to data bearing records includes a card reader that is operative to read card data from user cards including identifying data, and authorizes operation of an automated banking machine responsive to the identifying data. The automated b... | 03/13/2012 |
| 8132716 | Automated banking machine system and method A banking transaction system includes customer stations and a server provider station. The customer stations include automated banking machines. Each machine includes a cash dispenser and a card reader that reads financial account indicia from user cards. A service ... | 03/13/2012 |
| 8128083 | Cash dispensing automated banking machine and method An automated banking machine (10) includes a sheet picking mechanism (210). The sheet picking mechanism includes a rotatable picking member (212). With each rotation an end sheet (266) can be picked from a stack (264) of sheets. Th... | 03/06/2012 |
| 8127985 | Automated banking machine operated responsive to data bearing records An automated banking machine operates responsive to data bearing records. The machine operates to carry out financial transactions for authorized users responsive to data corresponding to financial accounts included on user cards. The banking machine includes a hous... | 03/06/2012 |
| 8127983 | Cash dispensing automated banking machine with GPS Automated banking machines include a Global Positioning System (GPS). The machines can transmit their GPS location reading to a service center. The service center can receive through a customer's cell phone, a customer request for directions to the nearest cash disp... | 03/06/2012 |
| 8127981 | Banking system controlled responsive to data bearing records An automated banking machine operates responsive to data bearing records. The machine includes a housing, a card reader in operatively-supported connection with the housing and operative to read indicia on user cards corresponding to financial accounts, a display in... | 03/06/2012 |
| 8123122 | Automated banking machine that operates responsive to data read from data bearing records and diagnostic method An automated banking machine (10) operates to cause financial transfers responsive to data read from data bearing records such as user cards. The exemplary machine includes a lockable first fascia portion (20) which when unlocked enables access to a ch... | 02/28/2012 |
| 8123119 | System including an electronic key for safety deposit box cover lock and key managing dock A system for use in banking operates responsive to data included in data bearing records. The system is suitable for securing the contents in safety deposit boxes or similar locked receptacles, and selectively permits access to key locks only to individuals who have... | 02/28/2012 |
| 8121914 | Automated banking machine customer profile method A method for visual programming an automated transaction machine (12). The method includes the creation of terminal directors (225) that generally correspond to transactions performed by the automated transaction machine. The terminal directors are pro... | 02/21/2012 |
| 8118217 | Automated banking machine that operates responsive to data bearing records An automated banking machine controlled responsive to data bearing records includes a card reader that reads identifying data from a user card. A host banking system authorizes operation of an automated banking machine responsive to computer verification of the iden... | 02/21/2012 |
| 8104676 | Banking system controlled responsive to data bearing records A banking system operates to allocate funds in accounts in response to data bearing records in the form of paper financial checks. A mobile phone has a camera and a programmable memory. The memory stores phone user data, including a bank account number and an electr... | 01/31/2012 |
| 8104674 | Automated banking machine that operates responsive to data bearing records A system controlled responsive to data bearing records includes a card reader that is operative to read card data from user cards including identifying data, and authorizes operation of an automated banking machine responsive to the identifying data. The automated b... | 01/31/2012 |
| 8091778 | Banking system computer determines nearest bank able to process a customer's transaction request, provides directions to the bank, and sends transaction request information and customer's image to the bank before the customer arrives at the bank A banking system computer can receive a transaction request from a remotely located customer, and then determine the nearest bank in the banking system that is able to process the transaction request. The computer then provides the customer with directions to the ba... | 01/10/2012 |
| 8083136 | Banking system controlled responsive to data bearing records An automated banking machine operates to carry out financial transfers responsive to data read form data bearing records. The machine includes a card reader that operates to read data from user cards. The card data corresponds to financial accounts. The automated ba... | 12/27/2011 |
| 8083131 | Banking apparatus operated responsive to data bearing records An automated banking machine controlled responsive to data bearing records includes a card reader that is operative to read data from user cards including identifying data and to authorize operation of an automated banking machine responsive to the identifying data.... | 12/27/2011 |
| 8070055 | Banking terminal that operates to cause financial transfers responsive to data bearing records A portable terminal operates to cause financial transfers responsive to data read from data bearing records in the form of user cards. The user cards include credit and/or debit cards. Data corresponding to the card data is stored in at least one memory of the termi... | 12/06/2011 |
| 8061593 | Banking system that operates during different transaction sessions to provide a particular individual the next predetermined presentation in a marketing campaign preassigned to the particular and individual prior to the sessions An automated transaction machine includes a card reader that can read a unique magnetic characteristic of a magnetic stripe on a card. The machine can then send data reflective of the read characteristic to a remote card validator. The card validator can compare the... | 11/22/2011 |
| 8061591 | Apparatus controlled responsive to data bearing records A system controlled by a data bearing record includes a card reader that is operative to read data from user cards including identifying data and to authorize operation of an automated banking machine responsive to the identifying data. The automated banking machine... | 11/22/2011 |
| 8055359 | Drive-through transaction system and method A system (10) for carrying out transactions between a customer at a customer station (14, 21, 202, 204) and a service provider at a service provider station (12, 194), includes transferring items through transaction devices such as pneumatic car... | 11/08/2011 |
| 8052051 | Banking system controlled responsive to data bearing records An automated banking machine operates to carry out financial transactions for authorized machine users responsive to user data read from data bearing records. The user data comprises card data and/or biometric data which corresponds to a financial account. A user fa... | 11/08/2011 |
| 8052046 | Check accepting and cash dispensing automated banking machine system and method A card actuated automated banking machine system and method accepts checks and dispenses cash to users. The banking machine is operated to acquire image and magnetic data from deposited checks to determine the genuineness of checks and the authority of a user to rec... | 11/08/2011 |
| 8052045 | Check accepting and cash dispensing automated banking machine system and method An automated banking machine system and method includes automated banking machines that operate responsive to data bearing records and accept checks and dispense cash to users. The automated banking machines are operated to acquire image and magnetic data from depos... | 11/08/2011 |
| 8052044 | Automated banking machine currency cassette with RFID tag An ATM currency cassette includes an RFID tag. The tag includes information about the cassette, such as the cassette serial number and the currency denomination. An ATM includes a tag reader that can interrogate the tag to receive the information. The history of a p... | 11/08/2011 |
| 8052043 | Banking system controlled responsive to data bearing records An automated banking machine is controlled responsive to data bearing records. The machine operates using data read from user cards by a card reader. The machine includes a housing, a fascia connected with the housing and movable between a secure closed position adj... | 11/08/2011 |