616results about "ATM dispensing" patented technology

A method of performing a send money transfer transaction through a financial services institution includes storing transaction details on a data base, wherein the transaction details include a desired amount of money to be sent; establishing a code that corresponds to the transaction details stored on the data base; entering the code into an electronic transaction fulfillment device in communication with the data base to retrieve the transaction details from the data base; and determining a collect amount based on the transaction details. A system for performing a send money transfer transaction is also disclosed.

A financial transaction system is provided. The financial transaction system includes a server and at least one automated teller machine (ATM). In response to a request from a user, the server issues a one-time password (OTP) to the user's mobile device. The ATM receives an OTP from the user and sends the received OTP to the server for verification, in order to perform a financial transaction operation.

A money managing system for use in a business setting is provided that allows for automated ordering, payment and receipt of change. In a fast food setting, a customer uses a user interface unit to enter an order, indicate the completion of an order and indicate a desired method of payment. The user can then insert coins, paper bills, credit cards, coded tickets, or some combination thereof, in payment. If no change is due, a dispenser is used to generate a receipt. In cases where change is due, the dispenser may further issue a code, for example, in the form of a barcode. The customer's food order can be picked up, for example, at an order window where money handling is not required. The customer may then use the ticket at a money dispensing machine to receive change in the form of coins and / or bills.

A method and system for processing currency bills and coins in a cash receptacle for automatically determining a batch of currency. An operator provides an amount of cash, including currency bills and coins, and indicates a target amount of cash desired to be made available in a currency batch. The system includes a resident memory for storing a mode of operation, determines a total amount of the cash, and determines a cash removal amount by comparing the total amount of the cash to the target amount. The cash removal amount is displayed to the operator for adding or removing cash to obtain the appropriate currency batch, which corresponds to the target amount.

An automated banking machine (10) identifies and stores in storage areas documents such as currency bills deposited by a user. The machine selectively recovers such documents from storage areas and dispenses them. The machine includes a central transport (70) wherein documents deposited in a stack are unstacked, oriented and identified. Such documents are then routed to storage areas in canisters (92, 94, 96, 98). Documents in the storage areas are selectively picked therefrom and delivered to a user through an input / output area (50) of the machine. Each canister includes a memory (626) which holds information concerning the number and type of documents housed in the canister as well as other information concerning the hardware and software resident on the canister. The memory also includes data representative of individuals responsible for loading and transporting the canister. The machine conducts self-auditing activities to verify that the documents held in the storage areas correspond to the information stored in memory and indicate discrepancies.

One method involves payment of money to a recipient traveling to one or more foreign countries by entering into a remote computer money transfer information from a sender. The money transfer information comprises recipient identification information, at least one country where the money is to be received, and a payment amount in an originating currency. The money transfer information is transmitted to a host computer system. When ready to receive payment in the designated country, recipient identification information along with a request to withdraw a portion of a possible payment amount is entered into a payout computer. The recipient identification information and the request to withdraw is transmitted to a host computer system, and the requested withdrawal is provided to the recipient in the local currency.

A method and system provides for scanning a check and / or cash to create an electronic image of the front and the back of the check and / or cash. The image is then processed and transmitted electronically to a central location. The image may be recreated into a paper form at the central location, resembling the original paper check or cash, including a machine-readable regeneration of the MICR code line data captured from the original instrument. Paperless processing of checks and cash is thus provided, including local voiding and storage of the check without requiring immediate pickup, while still allowing the transaction to be process.

A system and method for facilitating money transfer from a primary account holder to one or more partner accounts. The primary account holder uses a self-service terminal, which displays information on each of several related partner accounts. The displayed partner account information permits the selection of the partner account into which money is to be transferred.

A card actuated automated banking machine (152, 198, 200) includes a plurality of transaction function devices. The transaction function devices include a card reader (170), a printer (174), a bill dispenser (176), a coin dispenser (178), a display (182), a check imaging device (186) and at least one processor (190). The automated banking machine is operative responsive to receiving a check and certification data to dispense cash in exchange for the check. The person presenting the check need not provide user identifying inputs through input devices in order to receive cash for the check. A check recipient prior to presenting the check for payment is also enabled to verify that the check will be paid through communication with at least one computer (204) through at least one consumer interface device (208).

An automated banking machine (10) identifies and stores documents such as currency bills deposited by a user. The machine then selectively recovers such documents from storage and dispenses them to other users. The machine includes a central transport (70) wherein documents deposited in a stack are unstacked, oriented and identified. Such documents are then routed to storage areas in recycling canisters (92, 94, 96, 98). When a user subsequently requests a dispense, documents stored in the storage areas are selectively picked therefrom and delivered to the user through an input / output area (50) of the machine.

A media storage system for an automated banking machine (10) includes a flipper member (90, 178) which is rotationally movable to engage sheets. A gripper member (138, 182) is movably mounted relative to the flipper member. The flipper member further includes an arcuately extending slot (92, 180). The sheet extending in the slot is held in fixed engagement with the flipper member by the gripper member. Rotation of the flipper member to a releasing position causes the sheet to be engaged with a stop surface (160, 188) as the gripper member moves to release the sheet. Sheets released by the flipper member are positioned in a stack (94, 184). The flexible flap (160) engages each sheet after it has been released by the flipper member to conform the sheet to the stack. In alternative embodiments a flipper member (178) includes a picker portion (202). Picker portion is selectively operated to remove sheets from the stack.

Various techniques are provided for dispensing cash from automated teller or similar cash dispensing machines where such machines do not contain or are otherwise unable to dispense coins or certain bill denominations. Such features may be offered in combination with a request to cash a negotiable instrument, such as a check, where some or all of the amount is to be received in cash or deposited into an account. In one particular method, an automated teller machine (ATM) includes a display screen, a data entry device, a receipt printer, a bill dispenser and a reader. According to the method, information is read from a negotiable instrument using the reader. A face amount of the negotiable instrument is received at the ATM from the data entry device. The display screen is employed to display a dispense amount in bills that the ATM is capable of dispensing along with a deposit account where the remaining funds may be deposited. The user may then enter a confirmation using the data entry device to dispense the bills and to deposit the remaining funds in the deposit account. The bill dispenser may dispense the bills, and an approval may be sent to deposit the funds into the deposit account.

One method involves the use of stored value account that may be used, for example, to make internet payments, and that can be credited using a variety of payment techniques. Such a method involves receiving money at a money transfer location from a potential purchaser. The money is then stored as an electronic record in a stored value account of the purchaser. This money is then available for transfer at the request of the purchaser. Upon such a request, the money may be electronically sent to a recipient and the stored value account may be debited.

An automated banking machine (10) includes a user interface (12) including an opening (20). Users of the machine deliver and receive individual sheets and stacks of sheets to and from the machine through the opening. Stacks of sheets may include sheets such as notes, checks or other documents. Stacks input to the machine may include mixtures of various types of sheets. The machine operates to receive notes, process checks and perform other operations. Notes received in the machine and assessed as valid may be recycled and dispensed to other users. Notes assessed by the machine as being of questionable validity may be marked with a removable mark and subjected to further analysis. Checks processed by the machine may be imaged by an imaging device, cancelled and stored in the machine or alternatively returned to a user. Documents produced by the machine such as receipts, checks or money orders as well as notes dispensed from the machine may be assembled into a stack within the machine and delivered from the machine through the opening.

An automated banking machine (10) identifies and stores documents such as currency bills deposited by a user. The machine then selectively recovers documents from storage and dispenses them to other users. The machine includes a central transport (70) wherein documents deposited in a stack are unstacked, oriented and identified. Such documents are then routed to storage areas in recycling canisters (92, 94, 96, 98). When a user subsequently requests a dispense, documents stored in the storage areas are selectively picked therefrom and delivered to the user through an input / output area (50) of the machine. The control system (30) for the machine includes a terminal processor (548). The terminal processor communicates with a module processor (552). The module processor (552) communicates with module controllers (554, 556, 558, 560, 562 and 564) which control the operation of devices. The module processor coordinates the activities of the module controllers to achieve the processing of documents reliably and at high speeds. A special protocol is used to communicate messages between the module processors and module controllers which provides increased reliability.

A system and method are provided for performing a cashless gaming ticket redemption transaction for a customer in a casino environment. The system includes a gaming machine, such as a slot machine, that the customer plays. Rather than issuing cash to the customer, the gaming machine issues a redemption ticket with a unique identifier to the customer. The unique identifier and the amount of the customer's winnings accrued on the gaming machine are stored and associated on a redemption ticket database. When the customer wishes to redeem the winnings, the redemption ticket is introduced to a multi-function ATM. To perform the ticket redemption transaction, the ATM is adapted to electronically accept the redemption ticket and read the unique identifier. The ATM then electronically communicates with the redemption database to retrieve the predetermined dollar value associated with the unique identifier. Finally, the ATM transfers to the customer an award equal to the predetermined dollar value in cash or credit.

A media storage system for an automated banking machine (10) includes a rotating flipper member (90, 178, 222) which is rotationally movable to engage sheets. A moveable gripper member (138, 182, 226) is movably mounted relative to the flipper member. The flipper member further includes an arcuately extending slot (92, 180, 232). A sheet extending in the slot is held in fixed engagement with the flipper member by the gripper member. Rotation of the flipper member to a releasing position causes the sheet to be engaged with a stop surface (160, 188, 284) as the gripper member moves to release the sheet. Sheets released by the flipper member are positioned in a stack (94, 184, 234). In alternative embodiments a flipper member (178, 222) includes a picker portion (202, 278). The picker portion is selectively operated to remove sheets from the stack for delivery to a user of the machine.

An automated banking machine system and method is provided which is operative to display a disposable cash amount associated with an account. The disposable cash amount is calculated responsive to the current Available Balance and responsive to future debit and credits that are expected to post to the account. The disposable cash amount may be calculated by a computer of the ATM or by a computer in operative connection with the ATM such as host banking system or other server of the financial institution associated with the account. The ATM may provide a user interface which minimizes the number of inputs to dispense an amount of cash equal to the calculated disposable cash amount. The ATM or a web site, or other computer may provide a customer with the ability to edit and modify the parameters used to calculate the disposable cash amount for an account.

The present invention relates to a system and method for integrating player tracking and cash access in a casino or other gaming environment. One aspect of the invention allows for fund access and management wherein gaming machines, such as slot machines, receive playable credits directly from a patron's banking or credit card account. Another aspect of the present invention relates to integrating player tracking and cash access transactions by allowing the players to provide a player tracking card for each financial transaction conducted in the casino. In return, the casino issues gaming or bonus points to the players for allowing their transactions to be tracked. Yet another aspect of the present invention consolidates the players' financial account information into a single casino database. Players can subsequently credit or debit cash from the players' financial accounts using any associated customer identification cards or otherwise receive such credits in other forms that permit negotiations, including quasi-cash documents.

A system for providing cash to users in a merchandise delivery environment such as a fast food drive-through environment. The system includes a customer request station (212, 262, 288, 300, 322, 378) at which the customer is enabled to input a request for merchandise as well as an input corresponding to a request to receive cash. The customer is further enabled to input to the customer request station information corresponding to a source of monetary value which the customer may charge against for ordered merchandise or for the amount of cash requested. The customer may receive the cash directly at a customer request station. Alternatively, a computer may operate to correlate an identifying input associated with the customer or the transaction, and the request to receive the amount of cash. The customer may then move to a cash delivery station (216, 338). In response to the customer providing the identifying input at the cash delivery station, the customer receives a portion or all of the requested cash. The customer may then move to a merchandise delivery station (222, 292, 304, 316, 324, 342) at which the customer may receive the ordered merchandise. The customer may also receive the balance of any amount due such as coin, at the merchandise delivery station or other change delivery location.

A coupon-dispensing kiosk for use at retail locations. The kiosk may, or may not, contain an Automated Teller Machine, ATM. The kiosk performs financial services, such as cashing checks. However, to avoid dispensing coins to customers, the kiosk prints coupons and dispenses them. The coupons will be redeemed by merchants associated with, or in close proximity to, the kiosk. The kiosk can be located, for example, at a shopping mall or local convenience store.

Apparatus and method for purchasing cash from an ATM. The ATM has a unique identifier visibly located thereon. A customer phone includes a camera and a programmable memory. The camera can be used to capture an image of the ATM's identifier. The memory includes customer account data. A customer uses their phone to establish wireless communication with a transaction host. The customer can transmit to the host a request for cash from the ATM. The request includes the account data and the image. The host can use the account data in payment for the requested cash. The host can use the image to identify the particular ATM associated with the request. After payment, the host causes the identified ATM to dispense the requested cash.

The invention relates to an automated transaction machine of the recycling currency type. The machine permits a merchant to both store and withdraw cash. The machine also permits a customer to withdraw cash. The automated transaction machine includes a chest portion and a top housing portion. The portions have a front side and a rear side. The rear side of the machine is primarily intended for use by the merchant. The front side of the machine is primarily intended for use by a customer. The merchant side of the chest portion includes an inlet opening for inserting cash and an outlet opening for dispensing cash. The customer side of the chest portion also includes an outlet opening for dispensing cash. The top housing portion includes a separate user interface on the merchant side and a separate user interface on the customer side.

Money transfer system authorizing an escrow agent computer electronically by touch-tone telephone, computer modem, P.O.S.(point of sale) terminal, live operators, to send cash transfers from a sender's account such as their credit, debit, bank, or ATM card, or a bank account, to a recipient who accesses the money at any remote ATM type location or P.O.S.(point of sale) terminal by using cards such as a specialized magnetic cards, credit cards, debit cards, and automated teller machine(ATM) card, at anytime and anywhere. Senders can authorize the transfer by touch-tone and PIN(personal identification number) secure codes. The system can operate without pre-existing relationships, and monitor transactions and take surcharges based on transfer amounts, and use a cards tethered to ATM machines and be used with double magnetic sided cards.

One method involves payment of money to a recipient traveling to one or more foreign countries by entering into a remote computer money transfer information from a sender. The money transfer information comprises recipient identification information, at least one country where the money is to be received, and a payment amount in an originating currency. The money transfer information is transmitted to a host computer system. When ready to receive payment in the designated country, recipient identification information along with a request to withdraw a portion of a possible payment amount is entered into a payout computer. The recipient identification information and the request to withdraw is transmitted to a host computer system, and the requested withdrawal is provided to the recipient in the local currency.

The invention relates to a self-service automated transaction machine that permits an authorized user to perform transactions therewith based on facial recognition. Examples of transactions include withdrawing cash, depositing cash, and exchanging cash. The machine includes a plurality of cameras from which plural facial images are captured in determining whether to grant machine access to an individual adjacent the machine.