Banking systems

Automatic banking system equipment which presents at a remote customer station a unit enabling a customer to carry out any one of a number of banking services, such as depositing, making payments of various types, transferring funds between accounts, or withdrawing cash. The equipment has programmable...     

A night depository control system by the combination of a night depository control circuit with an automatic transacting machine having at least one of the functions of automatic cash withdrawal and deposit, based on a customer's card. When a customer is identified and verified as a night depository...     

An article depositing machine is disclosed which is capable of almost automatically achieving operations for depositing money in a bank or like establishments even in the absence of a bank attendant and which is provided with means for entering a customer's identification number and other necessary information,...     

Automatic processing of a stream of financial documents involving members of a series of positive item control numbers sequentially encoded one per document in the stream with account-amount data machine read from each document and stored in reproducible form in the same order as the series of control...     

A system for transferring data between persons, for example in lieu of cash transactions, requires that each person to or from whom data is to be transferred carries a portable electronic device including a memory. Data transfer means in the form of data recording devices are provided at fixed locations...     

Automated processing of bank checks encoded with alphanumeric characters on the face of each check by transporting said checks as a serial constant velocity train through a processor to a sorter while at a first station generating an item control number unique to each document and at a second station...     

A document processing device for performing separate operations on at least two different kinds of documents, such as bills and associated vouchers, or orders for payment such as checks, provided with transport means for moving documents of a first kind, the bills, in a continuous movement along at least...     

A terminal for providing for the performance of transactions by a user on a step by step basis and with the terminal, including, a visual display for displaying to the user at specific steps in a transaction instructional text to the user for the performance by the user to advance the transaction on...     

In a high speed document printing system a hole mask circuit is provided to compensate for erroneous indications of the entry of additional documents into the system due to the sensing of a discontinuity or aperture within the body of a valid document. The hole mask circuit receives a document present...     

In a modular high speed document printing system an apparatus within each printing module for inhibiting printing on a document passing therethrough when a valid print inhibiting code is sensed on the document. The apparatus employs a document lead edge sensor for sensing the presence of a document within...     

A versatile automatic transaction equipment comprises: a basic module including a user operation unit, an ID card processing unit, a transaction recording unit, and a cash delivery unit for cash payment transaction or verification of customer account balance; a deposit-receiving sub-module including...     

A key-operated digital program calculator is adapted to receive in succession a plurality of different kinds of input data items and perform a specified program calculation thereupon. The calculator is further provided with a display capable of visually displaying which kinds of input data items to be...     

A credit card processing system involving the use of a machine for reading the data encoded in the magnetic stripe of such a card and for printing such data in MICR characters, at the point of sale, along the bottom of the merchant's bank sales slip copy of each transaction under the credit card. The...     

A check verification system for providing customer-operated verification of checks at point-of-sale locations. The present system enables a customer to verify several possible kinds of checking functions, including verification of payroll or government checks as well as certain types of personal checks...     

A transaction system comprising a card having a card balance recorded therein, at least one terminal transaction processor operable on the basis of on-line and off-line computer schemes, and a center operatively associated with the terminal transaction processor and having a file for recording thereon...     

A method and apparatus is disclosed for processing documents having human readable intelligent bearing written indicia located thereon and includes optical scanning means (46) for generating signals representing the pattern of the written indicia scanned by the scanning means. Means (40) also are provided...     

Banking apparatus comprising a plurality of transaction devices having at least one common operative device, means for presetting a pattern of transactions representing a combination of transactions processable according to a status of the transaction devices, means connected with the means for presetting...     

A metering device, such as a postage meter, can be updated by a code bearing means which is provided with a first discernible code and a second obscured code, for instance, magnetic code. A computer stores a third code in association with the first code, however, the third code is correlated with the...     

The dispenser is operable with an identification card carrying all data necessary for dispensing of money, and either a code number or a check, also carrying all data necessary for dispensing of money, and the dispenser is connected to a central computer having access to all data relative to a dispensation...     

An Electronic Funds Transfer (EFT) system comprising a number of uniquely designed instruments including a letter of credit card from which, at the time of each negotiation thereunder, data can be derived which, with a high degree of certainty, identifies the card holder the amount available for the...     

A banking apparatus using passbooks, such as for example a passbook printing apparatus built-in an automatic depositing machine, in which a passbook inserted in the apparatus is transferred to a printing position by means of a driving belt. A printing mechanism located in the printing position has a...     

Disclosed is an automatic cash dispensing machine whose casing has a substantially vertical front panel and a substantially horizontal top panel extending backward from the top edge of the front panel. On the horizontal top panel are a keyboard operation unit through which a customer is to designate...     

A card-coding system and method preserves the security of the encoding process against duplication and counterfeiting of cards by securing the interactions under the control of the individual and then of the issuing institution. Multilevels of offset codes are generated in successive interactions so...     

A system for transferring funds in lieu of cash comprises an identical funds transfer module issued by a bank or other financial institution and carried by each member who may be a customer or vendor. The modules, which are adapted to exchange funds data bidirectionally, each comprise a memory for storing...     

An automatic cash depository having a tiltable feeding mechanism which receives an inserted deposit envelope and delivers it to a collection bin. Controls are provided for maintaining the feeding mechanism in a first position representing a blind feed path which does not present access to the collection...     

A high speed, computer controlled banking machine provides fully automatic teller stations for completing banking functions in response to a coded credit card presented thereto. After the credit card presented to the machine has been initially checked to determine if the card has the proper format, coded...     

Methods and systems for effecting a variety of electronic funds transfer transactions are based upon the use of unit records containing preprinted non-machine readable data, preprinted machine readable data, and manually entered data, and conversion of such records from negotiable instruments to documentary...     

There is provided a register apparatus. The register apparatus includes a key input device for successively entering commodity prices and the amount of money received from a customer by a keying operation; a note identifying device for identifying the denomination of the note received from the customer;...     

A card-encoding system and method preserves the security of the encoding process against duplication and counterfeiting of cards by securing the interactions under the control of the individual and then of the issuing institution. Multilevels of offset codes are generated in successive interactions so...     

A high speed, computer controlled banding machine provides fully automated teller stations for completing banking functions in response to a coded credit card presented thereto. A complete banking system normally consists of four remote terminals (customer consoles), interconnected to an electronic module...     

A card-encoding system and method preserves the security of the encoding process against duplication and counterfeiting of cards by securing the interactions under the control of the individual and then of the issuing institution. Multilevels of offset codes are generated in successive interactions so...     

A system which, by means of a specially devised instrument, affords the option of processing checks by Electronic Funds Transfer (EFT) procedure. The system includes a specially designed check having a punch out or other machine readable element which, by its presence and position, identifies the instrument...     

A money receiving and dispensing system is disclosed having a plurality of money cases for storing monies of several denominations, respectively, a stock money cartridge removably mounted in the system for collectively storing monies available in the system, a plurality of entering devices each for entering...     

A number of bank notes are inserted into the bank note entrance unit of a bank note depositing apparatus and are continuously received so that they may be inspected and counted at a high speed. After the counting operation, the bank notes are stored in a temporary storage unit and subsequently in such...     

There is provided a transaction processing system including a terminal machine for automatic cash transactions initiated with record media possessed by users, comprising means for reading data on record media inserted by users, means for detecting if the read data are related to certain data representing...     

A method and apparatus for issuing negotiable instruments such as checks from a terminal comprising: first means (identification card reader) for identifying an account number against which a monetary amount of a check to be issued by the terminal is to be charged; second means (handwriting transducer)...     

A banking system is disclosed which comprises a central computer system in electrical communication with remote automated teller machines, wherein the architecture of the banking system is such that the likelihood of a security penetration is substantially decreased whether the automated teller machine...     

In an automatic bank note transaction apparatus, bank notes inserted therein through a bank note inlet slot are transferred from a receiving chamber to an introduction-transfer path, fit sheets are discriminated from unfit ones among the bank notes by a discriminator during the transfer, and then the...     

The system described herein provides a capability for automatically processing documents such as bank checks, deposit slips, loan payments, etc., from all points within a banking organization, with exception of the point of receipt, based on the utilization of a Source Item Control Number (SICN), which...     

Clerk's processing means employed in the present invention has an input device for business data, a preprocess memory for storing the business data, and a clerk display device for displaying the business data and the results of decision about the validity of bank transaction. This clerk's processing...     

An automated banking system in which registered numbers, each associated with a pair of transferer/transferee accounts, are stored in a file. To transfer funds a key is operated designating that a registered number is stored and the number then entered. The entered and stored numbers are then compared...     

A transaction processing system applicable to an automatic transaction machine such as an automatic cash dispenser or an automatic cash deposit machine which can automatically carry out transactions such as cash dispensing, balance check and depositing by an operation of an operator is disclosed. An...     

An apparatus for dispensing banknotes from a store (10) of banknotes to a receipt opening (11) accessible to a customer comprises first conveying means (13-14) for conveying banknotes to a magazine or collecting space (15), and second conveying means (16-17) for conveying the collected banknotes to the...     

In a system for verifying a person's handwritten signature on a travelers check or the like by comparing the signature with a signature previously written by the person whose name is signed, both signatures are written on signature fields on the face of the check. Each field incorporates a similar arrangement...     

An automatic bank note transaction apparatus comprises a first unit detachably mounted in a housing and including safes disposed at one side thereof and a second unit provided in the housing, adjacent to and detachably mounted on the first unit and connected to a bank note dispensing port of the housing....     

A money deposit and/or dispensing device has a plurality of bank note reception compartments or cases mounted on a movable support rotatably mounted in a safe type housing. The housing has an opening for allowing access to one of the compartments located in front of the opening. A closure member such...     

Improvements in a cash accounting system for use in the window services such as a bank or the like. In the accounting system, a cash register for registering the various cash transaction information is electrically connected with a money paying-out apparatus for paying-out money such as papers, coins...     

An electronic apparatus is disclosed which comprises numeral input keys, plural unit input keys, a device for judging whether a combination of actuations of the numeral input keys and the unit input keys has a meaning as a figure, a device of forbidding the entry of the key signals of said combination...     

An electronic calculating device having a keyboard with input keys for the digits 0-9, an item register and display for storing and displaying, in a fixed-point format of dollars and cents, an item-price number entered via the input keys, a separate total register and display for storing and displaying...     

Paper sheets, which are loaded in a supply section without any regard to which direction their first or second surface is facing, are supplied to a detecting section for checking as to whether the first surface is facing in a preselected direction and also for identifying the kind of paper sheet. The...     

An automatic bank note transaction apparatus comprises a bank note receiving section disposed opposite to a cash inlet/outlet slot inside a housing to receive bank notes collectively put in the housing through the cash inlet/outlet slot. A conveyance path successively introduces and conveys the bank...     

A method of treating paper money and the like for the purpose of identification by applying to one of the surfaces of the paper money a first treating material overcoating the first treating material with a layer of transparent material to prevent the first treating material from being removed from or...     

In a system having a central unit, a terminal control equipment and terminal devices connected through communication lines, a transaction operation by an unauthorized terminal device is prevented. Unauthorized use prevention information is registered to each of the terminal devices and the unauthorized...     

An identification element in the form of an integrated circuit, for example for identification cards and similar data carriers. The element contains a confidential code which is known only by the lawful owner of the card and is compared in the integrated circuit with a typed in code. To prevent the unauthorized...     

A loss control system is disclosed wherein an issuer of bank cards can regulate the type of authorization requests transmitted thereto from a merchant. More particularly, a system is disclosed wherein each issuer maintains files relating to their cardholder. A data control center is linked to the files...     

Disclosed is an apparatus for selectively turning the pages of a book forward and backward. The apparatus of the present invention comprises a roller, first transfer means, pressing means, driving means, and second transfer means. The roller can rotate selectively in one and the other rotating directions....     

A cash accounting system including a cash register for recording various transactions of money, a counting machine electrically connected with the cash register and operable to count the money used during each of the transactions, a printing member, and a totaling member for totaling according to denomination...     

A sheet handling apparatus which may be used for loading currency notes 70 into, and removing currency notes from, a cassette 68 includes a vacuum-operated, rotating pick-up wheel assembly 16 having two pairs of pick-up wheels 18 and 22. The pick-up wheels can operate to carry notes one by one from a...     

A teller machine includes numeral keys, function keys, a central processor unit, and a printer for printing out transaction data onto a desired bill. A preset ability is employed by the teller machine so that a bill issuance number is limited at operator's choice, the print out operation is conducted...     

A transaction performing system comprising a cash handling device of the circulation type having cash containers for accommodating received cash as classified according to the kind of money and delivering cash from the containers for dispensing, and sensors for detecting the condition of cash in each...     

Cash dispensing apparatus comprising: at least one feed module (2) for storing banknotes and for delivering a selected sequence of banknotes. Two stacking platforms (A,B), each platform having a dumping facility (11, 11') to dump a stack of banknotes supported on the platform; at least two dispensing...     

A portable terminal device is adapted to effect transaction operation by transmitting and receiving data to and from a central unit. When transaction data is entered, the transactions including the current transaction are accumulated, and when the accumulated transaction exceeds a predetermined limit...     

Disclosed is a printing apparatus for printing a page of a book. The printing apparatus comprises printing means, page turning means, and a shutter movable between the printing means and the page turning means for guiding the book. The shutter is located inside the printing means to guide the book when...     

A method and apparatus for processing documents comprising a unit for reading machine-readable data and for generating image data from the documents as the documents are moved along a track in operative relationship therewith. The unit also includes recognition circuitry receiving the image data and...     

An automatic bank note transaction system according to the present invention is provided with a center CPU and a plurality of automatic bank note transaction apparatuses. The plurality of bank note transaction apparatuses is divided into a plurality of groups, and the system comprises a remaining bill...     

A personal identification system capable of using the information of a combination of certain questions and answers to said questions as the information to connect a card to its original owner, capable of displaying said questions at the time of card input and letting a card user enter answers to said...     

A cash accounting system comprises a manual handling instruction unit for instructing the manual handling of some denominations and sub-amounts of the payment money-amount. A storing unit stores the denominations, sub-amounts, etc. instructed to be manually handled by the instruction unit, a controlling...     

In an automatic depositing/dispensing apparatus, a plurality of note storage sections is provided in a housing. Each of the note storage sections stores deposited notes of a denomination and includes a cash box into which notes are collected in one direction, collection/takeout device disposed at one...     

The invention relates to a method in which the action of a data processing device can be initiated by entering information which has been recorded on a data carrier. In order to be able to prevent misuse of such data carriers, particularly in the case of the latter being lost, by third parties, the data...     

This disclosure is directed to an improved cash accounting system which includes a cash register for registering various money transaction information, and a cash dispenser for paying out money in the form of bills and/or coins corresponding to sum of money to be paid out resulting from various transaction...     

In an automatic bank note transaction apparatus, the deposited notes are circulated and appropriated for dispensation, as in the normal window operation. The amounts of money for previously stored notes for dispensation, deposited notes, and dispensed notes are stored and calculated so that the current...     

A transaction performing system including a plurality of terminal units each of which comprises a cash handling device of the circulation type having cash containers for accommodating received cash as classified according to the kind of money and delivering cash from the containers for dispensing, and...     

An automatic bank note transaction apparatus comprises a bank note receiving section disposed opposite to a cash inlet/outlet slot inside a housing to receive bank notes collectively put in the housing through the cash inlet/outlet slot. A conveyance path successively introduces and conveys the bank...     

An electronic cash register comprising a keyboard having keys for cash registration, a card reader for reading the data recorded in a card, a communication control unit for communicating with a center provided with a customer file having stored therein information as to customers, a device for converting...     

In an automatic teller system, an automatic teller machine reads representative account number data recorded on a transaction medium and transmits the representative account number data to an electronic data processing center. The center reads out from a memory data which indicates at least one account...     

In an automatic bank note transaction apparatus, deposited notes are circulated and appropriated for dispensation, as in the normal window operation, to improve the efficiency of fund operations. Those recovered notes which are missed at the time of depositing or dispensation are rechecked by a judgement...     

A sheet dispenser in which sheets are delivered from cassettes to a collector and held thereon. The collector is mounted on a movable support, and the collector and bills thereon are moved to either left or right delivery areas of the terminal in response to a request entered on an input terminal. Closures...     

Notes are subject to note reform whereby they are replaced with new ones having quite different designs or patterns once in a certain period of time (10 to 15 years). After the reform, the former notes are successively withdrawn and are not issued any more so that only the newly issued notes are circulated....     

In an automatic depositing/dispensing apparatus, a plurality of note storage sections is provided in a housing each storing deposited notes of a denomination and includes first and second notes storage sections for storing first and second denomination notes available for dispensation and a third note...     

The present invention relates to an automatic transaction system for performing transactions with an automatic transaction apparatus, by using identification cards (hereinafter referred to as "ID cards") for an automatic teller system, a credit card system or other various maintenance systems. At least...     

An automatic transaction machine has a CRT display for selectively displaying Japanese and English operation guides, a voice synthesizer for selectively producing the corresponding audible Japanese and English operation guides, and a microcomputer for controlling these mechanisms. The CRT display displays...     

In an automatic depositing/dispensing apparatus, a plurality of note storage section is provided in a housing. Each of the note storage sections stores deposited notes of a denomination and includes a cash box and collection/takeout device which receives at one portion thereof the deposited notes from...     

In an automatic depositing apparatus a plurality of note storage sections are provided in a housing. Each of the note storage sections include, a cash box in which notes are collected, a temporary storage space adjoining the cash box to temporarily keep the notes delivered to the note storage section,...     

A depository envelope printing apparatus prints transaction identifying characters on envelopes deposited into an ATM, which envelopes may be of uneven contour as a result of their containing coins or folded notes or instruments. The apparatus includes a print head (120) and a tracking shoe (121) mounted...     

A deposit mode for inserting cash into an inserting opening for cash deposit and an envelope deposit mode for putting cash into an envelope and inserting the envelope into an opening for deposit are selectively set by a transaction mode setting unit. In the cash deposit mode, acceptance of cash inserted...     

An automatic bank note transaction apparatus according to the present invention is provided. A first storing section stores bank notes, and a first conveying path conveys bank notes inserted through a bank note receiving port, to the first storing section. A discrimination section is disposed in the...     

An apparatus for handling bills which includes a plurality of bill boxes each of which contains different denominations of bills, a circuit for withdrawing bills one by one from each bill box and a bill pool for temporarily storing the bills fed from the bill boxes. A circuit for discharging the bills...     

An automatic transfer transaction processing apparatus has a passbook/transfer card printing/reading section for issuing a transfer card printed with transfer information as the bank name, branch name, account number, item number and name of the account of the transferee and the name and phone number...     

In a transaction terminal, a credit card reader is used not only to enter data from cards of customers, but a special card is used to place the terminal in supervisory modes in at least one of which it will accept data from further special cards which are used to input data used in the transaction mode,...     

A cash accounting system which includes a cash register for registering transactions of money and a cash dispenser coupled with the cash register for dispensing an amount of money required to be paid out during the respective transactions. Each of the cash register and the cash dispenser includes a memory....     

An improved after hour depository of the type including a throw-in door turnably housed in the frame is disclosed. A control panel is disposed on the frame at the position located adjacent to the throw-in door to control turning movement of the throw-in door. A magnetic card is previously allocated to...     

A method and apparatus for dispensing money orders at a plurality of retail establishments is provided, including one or more data collector devices connected to a host device. Preferably, each of the money order dispensers include a digital processor for controlling the overall operation thereof, a...     

A bill handling apparatus of the recycle type having a bill receiving system and a bill disbursing system. The bill receiving system includes a bill insertion opening, a bill discriminating unit, a unit for arranging bills so that the front and back sides of the bills face in the same direction and for...     

Card information selecting system capable of accessing a card provided with a plurality of information channels corresponding to different transactions, includes reading means for reading information recorded on the card, selecting means for designating at least one of the information channels, writing...     

A cash processing system comprises: a transaction terminal having an opening for taking out and putting in a cash, and means for demanding payment or receipt of the cash; cashier terminal which is provided separately from the transaction terminal to effect the payment and receipt of the cash; a passage...     

An automatic-transfer-transaction processing apparatus comprises a first means for receiving a transfer card of a paper with a magnetic strip and for reading the destination bank from the magnetic strip, and a second means for processing data to transfer a specified amount to the destination bank read...     

A magnetic card discriminator which is equipped with a card reading part, a registration number memory part, an invalid number memory part, a processing part, and an alarm, and which discriminates whether a card registration number magnetically recorded on a magnetic card is an invalid registration number...     

A credit card resistant to unlawful use has a code, indicative of the owner's account number hidden beneath an opaque shield. The card has a keyboard and microprocessing components electrically connected to the shield. Insertion of correct entries, e.g. an owner's personal identification number, into...     

A slip reception terminal system. A slave unit reads an image written on a slip by a customer and recognizing a predetermined item of the slip and a master unit for receiving image data and recognized data sent from the slave unit, displaying the sequentially and transmitting a predetermined part of...     

Apparatus is provided for interfacing a banking system and a brokerage system having a number of brokerage offices. Clients having both a brokerage and a banking account transact both brokerage and banking activities from the brokerage office. Automatic transaction processing within and between the banking...