Card reading arrangement including robotic card handling responsive to card sensing Number:7,438,222 from the United States Patent and Trademark Office (PTO) owispatent

Title: Card reading arrangement including robotic card handling responsive to card sensing

Abstract: A card reader arrangement includes a robotic card handling device to enable reading of a user card during a card-based transaction. A card sensing device is located adjacent a card slot remotely located from a card reader. Responsive to the card sensing device sensing an inserted card, the robotic card handling device operates to grip the card in the slot and move it to a reading position in the card reader. The card reader can also operate in conjunction with a biometric reading device in a process of determining whether the card user is authorized to use the card. The robotic card handling device can also be operated to grip other transaction items.

Patent Number: 7,438,222 Issued on 10/21/2008 to Green,   et al.

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Inventors:	Green; Patrick C. (North Canton, OH), Smith; Mark (North Canton, OH), Ramachandran; Natarajan (Uniontown, OH), Delaney; Daniel J. (Pickney, MI), Barker; David A. (North Canton, OH), Theriault; Franklin M. (Canton, OH), Herrera; Elizabeth (King George, VA), Hill; Jeffrey A. (Canton, OH), Douglas; Mark (North Canton, OH)
Assignee:	Diebold Self-Service Systems division of Diebold, Incorporated (North Canton, OH)
Appl. No.:	11/998,941
Filed:	December 3, 2007

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Related U.S. Patent Documents

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	Application Number	Filing Date	Patent Number	Issue Date
	11704506	Feb., 2007	7392937
	11514527	Sep., 2006	7195153
	10231212	Aug., 2002	7100819
	09725650	Nov., 2000	6443359
	60168882	Dec., 1999

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Current U.S. Class:	235/379 ; 235/375; 235/381; 705/35; 705/43
Current International Class:	G06F 17/00 (20060101)
Field of Search:	235/375,379,381 705/35,43 902/8

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References Cited [Referenced By]

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U.S. Patent Documents

5183999	February 1993	Hakenewerth et al.
5600114	February 1997	Dunlap et al.
5804804	September 1998	Fukatsu et al.
6036089	March 2000	Oguchi et al.

Primary Examiner: Lee; Seung H
Attorney, Agent or Firm: Jocke; Ralph E. Wasil; Daniel D. Walker & Jocke

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Parent Case Text

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CROSS REFERENCE TO RELATED APPLICATIONS

This application is a divisional of U.S. application Ser. No. 11/704,506 filed Feb. 9, 2007, which was a divisional of U.S. application Ser. No. 11/514,527 filed Sep. 1, 2006, which was a divisional of U.S. application Ser. No. 10/231,212 filed Aug. 29, 2002, which was a divisional of U.S. application Ser. No. 09/725,650 filed Nov. 29, 2000, which claims the benefit of U.S. Provisional Application 60/168,882 filed Dec. 3, 1999, and the disclosure of each aforementioned Application is incorporated herein by reference.

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Claims

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The invention claimed is:

1. A system comprising: a building, wherein the building comprises an interior area, a service provider (SP) station located inside of the building, wherein the SP station is enabled to be operated by a service provider providing a transaction, wherein the SP station includes at least one SP station audio device, wherein the SP station includes at least one SP station video display device, wherein the SP station includes at least one SP camera device, wherein the SP station includes at least one computer, a transport arrangement located inside of the building, wherein the transport arrangement is in operative connection with the SP station, wherein the transport arrangement includes at least one pneumatic tube, wherein the at least one pneumatic tube enables a movable carrier to be pneumatically moved to and from the SP station, wherein a service provider at the SP station can access a movable carrier received at the SP station, a plurality of customer stations located within the interior area, wherein each customer station includes a customer interface enabled to be operated by a customer requesting a transaction, wherein each customer interface includes both a magnetic indicia card reader device and a biometric reading device, wherein each of the card reader device and the biometric reading device are operative to read customer identifying input, wherein the at least one computer is operative to compare read customer identifying data, wherein a customer is authorized to carry out a transaction responsive to a positive comparison of read customer identity data, wherein each customer interface enables a customer thereat to exchange items with a service provider located at the SP station via the at least one pneumatic tube, wherein each customer station is in operative connection with the SP station enabling generally real time audio and video communication between a customer located at a customer station and a service provider located at the SP station, wherein each customer station includes a customer audio device in operative connection with the at least one SP station audio device enabling real time audio communication between the SP station and each customer station, wherein each customer station includes a camera device in operative connection with the at least one SP station video display device enabling real time viewing of a customer by service provider located at the SP station, wherein each customer station includes a customer video display device in operative connection with the at least one SP camera device enabling real time viewing of a service provider located at the SP station by a customer, wherein the SP station includes a customer station selector device that enables a service provider to communicate with a customer at a selected customer station, a robotic handling device located inside of the building, wherein the robotic handling device includes a gripper device, wherein the gripper device is operative to grip at least one item, wherein the robotic handling device is operative to move a gripped item between each customer station and the at least one pneumatic tube.

2. The system according to claim 1 wherein each customer interface includes both a magnetic indicia card reader device and a biometric reading device, wherein each of the card reader device and the biometric reading device are operative to read customer identifying information provided by a customer at a customer interface, wherein a computer at the SP station is operative to compare read customer identifying information, and wherein a customer is authorized to carry out a transaction responsive to a positive computer comparison of read customer identity information.

3. The system according to claim 2 and further comprising a robotic handling device located inside of the building, wherein the robotic handling device includes a gripper device, wherein the gripper device is operative to grip at least one item, wherein the robotic handling device is operative to move a gripped item between each customer interface and the at least one pneumatic tube.

4. A system comprising: a building, wherein the building comprises an interior area, a service provider (SP) station located inside of the building, wherein the SP station is enabled to be operated by a service provider providing a transaction, wherein the SP station includes at least one SP station audio device, wherein the SP station includes at least one SP station video display device, a transport arrangement located inside of the building, wherein the transport arrangement is in operative connection with the SP station, wherein the transport arrangement includes at least one pneumatic tube, wherein the at least one pneumatic tube enables a movable carrier to be pneumatically moved to and from the SP station, wherein the SP station enables a service provider to access a movable carrier received at the SP station, a plurality of customer stations located within the interior area, wherein each customer station includes a customer interface enabled to be operated by a customer requesting a transaction, wherein customer identifying information provided by a customer at a customer interface is enabled to be received and compared at the SP station, wherein a customer is allowed to carry out a transaction responsive to a positive comparison result, wherein each customer interface enables a customer thereat to exchange items with a service provider located at the SP station via the at least one pneumatic tube, wherein each customer station includes a customer audio device in operative connection with the at least one SP station audio device enabling a service provider located at the SP station and a customer to audibly communicate in generally real time, wherein each customer station includes a camera device in operative connection with the at least one SP station video display device enabling a service provider located at the SP station to view a customer in generally real time, wherein the SP station includes a customer station selector device that enables a service provider to selectively communicate with a customer at a customer station.

5. The system according to claim 4 and further comprising a robotic handling device located inside of the building, wherein the robotic handling device includes a gripper device, wherein the gripper device is operative to grip at least one item, wherein the robotic handling device is operative to move a gripped item between each customer interface and the at least one pneumatic tube.

6. The system according to claim 5 and further comprising an enclosure located inside of the building, wherein each customer interface is disposed on the enclosure.

7. The system according to claim 6 wherein the robotic handling device is located inside of the enclosure.

8. The system according to claim 7 and further comprising a controller and a plurality of transaction function devices within the enclosure, wherein the plurality of transaction function devices include a cash dispenser device, wherein each customer station enables a customer thereat to request a cash withdrawal transaction, and wherein during a cash withdrawal transaction the controller is able to cause the robotic handling device to grip and move cash dispensed from the cash dispenser device.

9. The system according to claim 4 wherein the plurality of customer stations enable a first customer at a first customer station to carry out a first transaction while another customer at another customer station is carrying out another transaction.

10. The system according to claim 9 wherein each customer station allows a customer to carry out a totally automated transaction not requiring item exchange with a service provider at the SP station, wherein a first customer at a first customer station can carry out a totally automated transaction while another customer at another customer station is carrying out another transaction involving a service provider at the SP station.

11. The system according to claim 4 wherein the SP station includes at least one SP camera device, wherein each customer station includes a customer video display device in operative connection with the at least one SP camera device enabling a customer to view a service provider located at the SP station in generally real time.

12. The system according to claim 11 wherein each customer station is in operative connection with the SP station enabling generally real time video conferencing between a customer at a selected customer station and a service provider located at the SP station.

13. A method comprising: (a) receiving customer input at a first customer station from among a plurality of customer stations located inside of a building, wherein the input causes transfer of at least one first transaction item from the first customer station to a service provider (SP) station remotely located inside of the building from the plurality of customer stations, wherein the transfer includes pneumatic transport of the at least one first transaction item in a pneumatic tube, wherein the SP station is enabled to be operated by a service provider providing a transaction, wherein the SP station includes at least one SP station audio device, at least one SP station video display device, and a customer station selector device that enables a service provider to selectively communicate with a customer at a customer station, a transport arrangement located inside of the building, wherein the transport arrangement is in operative connection with the SP station, wherein the transport arrangement includes at least one pneumatic tube, wherein the at least one pneumatic tube includes the pneumatic tube, wherein each customer station includes a customer interface enabled to be operated by a customer requesting a transaction, wherein customer identifying information provided by a customer at a customer interface is enabled to be received and compared at the SP station, wherein a customer is allowed to carry out a transaction responsive to a positive comparison result, wherein each customer interface enables a customer thereat to exchange items with a service provider located at the SP station via the at least one pneumatic tube, wherein each customer station includes a customer audio device in operative connection with the at least one SP station audio device enabling a service provider located at the SP station and a customer to audibly communicate in generally real time, wherein each customer station includes a camera device in operative connection with the at least one SP station video display device enabling a service provider located at the SP station to view a customer in generally real time; and (b) operating the SP station to cause transfer of at least one second transaction item from the SP station to the first customer station, wherein the transfer includes pneumatic transport of the at least one second transaction item in the pneumatic tube.

14. The method according to claim 13 wherein each customer interface includes both a magnetic indicia card reader device and a biometric reading device, wherein each of the card reader device and the biometric reading device are operative to read customer identifying input, and further comprising: (c) operating both the card reader device and the biometric reading device to read customer identifying input.

15. The method according to claim 13 wherein a robotic handling device is located inside of the building, wherein step (a) includes operating the robotic handling device to move the at least one first transaction item from the first customer station to the at least one pneumatic tube, and wherein step (b) includes operating the robotic handling device to move the at least one second transaction item from the at least one pneumatic tube to the first customer station.

16. The method according to claim 15 wherein a cash dispenser device is located inside of the building, wherein each customer station enables a customer thereat to request a cash withdrawal transaction, and wherein the robotic handling device is operative to move cash from the cash dispenser device to each customer station, and further comprising (c) operating the robotic handling device to move cash from the cash dispenser device to a customer station during a cash withdrawal transaction.

17. The method according to claim 13 wherein one customer at one customer station is able to carry out a transaction while another customer at an other customer station is carrying out another transaction, wherein step (a) occurs during a first transaction, and further comprising: (c) during the first transaction, operating an other one of the plurality of customer stations in carrying out a transaction.

18. The method according to claim 17 wherein each customer station allows a customer to carry out a totally automated transaction not requiring item exchange with the SP station, wherein step (c) includes operating the other one of the plurality of customer stations in carrying out a totally automated transaction.

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Description

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TECHNICAL FIELD

This invention relates to apparatus systems controlled by data bearing records which may be classified in U.S. class 235, subclass 375. In an exemplary embodiment, a system includes a banking machine that operates responsive to data read from user cards through operation of a particular card reader and handler arrangement.

BACKGROUND ART

Automated banking machines are known in the prior art. A common type of automated banking machine is an automated teller machine ("ATM"). ATMs have been developed which are capable of performing a variety of transactions. Such transactions may include dispensing currency or accepting deposits from a user. Other types of transactions include providing tickets, travelers checks, vouchers or gaming materials. Other types of automated transaction machines enable check cashing, bill payment, printing account statements, dispensing postage and receiving or providing other items of value. Other types of automated banking machines may be operated by a service provider such as a cashier or bank teller. Such automated banking machines may include bill counters, check acceptors, passbook printers and other types of devices. Automated banking machines generally carry out transactions while causing appropriate charges and credits to be applied to the respective accounts of a user, a machine owner and/or a provider of value, such as cash, goods or services, which are effectively transferred through operation of the machine. For purposes of this disclosure, an automated banking machine will be considered to refer to any machine capable of carrying out transactions which involve transfers of value.

Most automated banking machines are limited to being used by only one user at a time. For example when one user operates most ATMs, others are required to form a queue and wait until it is their turn to use the ATM. This may pose an inconvenience for both customers and the ATM operator.

To serve plural customers simultaneously a number of ATMs may be installed at a given facility. However, such additional ATMs take up more physical space. Physical space may be at a premium in some facilities. Providing additional machines may also be expensive. Significant additional costs may be incurred both in acquiring and servicing machines to assure that they are operating properly. When numerous machines are installed at one location, each includes components which are generally duplicative of components in the other machines. In addition, when one machine is upgraded or improved it is usually advisable to apply the same upgrade or improvement to all of the machines. This may add further cost and complexity for the owner of the machines.

A further limitation of most existing ATMs is the limited variety of transactions which may be performed at a single machine. Each machine enclosure is of limited size and may only accommodate a range of transaction function devices that can be fit within the enclosure. It may be desirable in some instances to add additional capabilities to an ATM machine. However, the space required to include the transaction function devices necessary to carry out a new type of transaction may not be available within the machine enclosure unless other transaction function devices are removed. As a result, it is sometimes not feasible to add a transaction function that would be desirable.

At present when additional transaction functions are incorporated into ATMs, it is often necessary to provide larger enclosures. Such larger enclosures are not only necessary to house the devices but to also provide the necessary interfaces for delivering or receiving items from the customer. It is common for each added transaction function device such as dispensers for tickets, receipts, coupons and the like, to have a separate delivery opening in the user interface. Likewise, when a user is enabled to deposit several types of items in the machine it is common to have a separate opening or access mechanism to receive each type of item from the user. Providing these capabilities further adds to the size and complexity of the machine.

In some instances it may be desirable to add the capability to an automated banking machine to communicate with and/or exchange items with a human service provider. Such activities may be desirable for particular types of transactions that cannot be carried out on an automated basis. However, such capabilities may be difficult to add to existing machines not originally built to include such capabilities. Automated transaction machines such as medication dispensers may also benefit from being able to communicate with a human service provider. In such machines it may also be desirable to include a larger range of medications which can be provided to authorized users. Other types of transactions which involve the dispense or receipt of items are commonly not carried out with automated transaction machines because of space requirements of associated dispensing and receiving mechanisms.

Thus there may exist a need for an automated banking machine apparatus and system that may be capable of carrying out more types of transactions on an automated basis. There may further exist a need for an automated banking machine apparatus and system that is capable of being more readily reconfigured to add or delete functions and transaction types. There may further exist a need for an automated banking machine apparatus and system that may serve customers more efficiently including serving a plurality of customers simultaneously. There may further exist a need for an automated banking machine apparatus and system that is relatively compact, reliable and economical to operate.

DISCLOSURE OF INVENTION

It is an object of an exemplary embodiment of the present invention to provide an automated banking machine apparatus.

It is a further object of an exemplary embodiment of the present invention to provide an automated banking machine apparatus for carrying out a plurality of different transaction types.

It is a further object of an exemplary embodiment of the present invention to provide an automated banking machine apparatus which enables simultaneously carrying out transactions for a plurality of users.

It is a further object of an exemplary embodiment of the present invention to provide an automated banking machine apparatus that makes more effective use of floor space within a facility.

It is a further object of an exemplary embodiment of the present invention to provide an automated banking machine apparatus which is readily expanded and modified to change the types and character of available transactions.

It is a further object of an exemplary embodiment of the present invention to provide an automated banking machine apparatus for carrying out transactions for a plurality of customers simultaneously that enables servicing customers in an appropriate order.

It is a further object of an exemplary embodiment of the present invention to provide an automated banking machine apparatus for carrying out transactions on a generally automated basis but which also includes the capability of exchanging items with a remote service provider.

It is a further object of an exemplary embodiment of the present invention to provide an automated banking machine apparatus which enables carrying out transactions on an interactive basis with a human service provider.

It is a further object of an exemplary embodiment of the present invention to provide an automated banking machine apparatus that may be more readily installed.

It is a further object of an exemplary embodiment of the present invention to provide an automated banking machine apparatus that is reliable, efficient and cost effective.

Further objects of exemplary embodiments of the present invention will be made apparent in the following Best Mode For Carrying Out Invention and the appended claims.

The foregoing objects are accomplished in an exemplary embodiment of the invention by an automated banking machine apparatus and system. The system includes a machine including an enclosure with a plurality of customer stations. The system includes one or more computers within or adjacent to an interior area of the enclosure. The enclosure houses a plurality of transaction function devices in operative connection with the computer(s). The transaction function devices include at least one robotic item handling device capable of moving items between transaction function devices and user interfaces which are included in at least one customer station. The user interfaces each further include input and output devices which enable a user to provide identifying inputs and instructions to the machine.

In an exemplary embodiment of the invention, the enclosure includes one or more walls which bound the interior area of the machine. The walls are also in supporting connection with the user interfaces. The walls may be interconnected to form a kiosk or vestibule arrangement. The walls may be generally permanent or movable by authorized personnel. The housing arrangement may be located inside or outside of a building structure. The walls which bound the enclosure may include one or more interior or exterior building walls.

In some embodiments of the invention, access to the interior area of the enclosure is limited to authorized persons. Access by authorized persons may be achieved by having one of the walls bounding the housing being secured by a locking device in the operating position of the machine. Upon unlocking the locking device by an authorized person, all or a portion of the wall may be moved to provide access to the interior area of the enclosure. Alternatively, lockable doors in the walls or in adjacent structures may be used to provide selective access to the interior area of the enclosure and the transaction function devices therein.

The wall arrangement bounding the enclosure of the exemplary embodiment includes at least one opening or access mechanism at each customer station. The robotic item handling device is operative to move items selectively between the transaction function devices and the customer by passing such items through the opening or access mechanism.

The exemplary embodiment of the automated banking machine and system is suitable for use in carrying out many types of transactions. A plurality of transaction function devices is positioned within the interior area of the enclosure. The transaction function devices may include various types of sheet dispensers. Such sheet dispensers may include note dispensers, ticket dispensers, check dispensers, stamp dispensers or similar dispensing devices. The interior of the enclosure may also house sheet accepting devices such as currency acceptors, check acceptors, ticket receivers or similar items.

The interior of the enclosure may also include deposit accepting devices such as a secure chest for holding deposited items. Other transaction function devices may include printing devices. Such devices may include receipt printers, check printers, ticket printers, statement printers, journal printers or other devices which print indicia on paper, special documents or sheets. Other transaction function devices within the enclosure may include a pneumatic tube type conveyor terminal for carrying items between the machine enclosure and a service provider located at a service provider station disposed from the machine. Other transaction function devices may include input and output devices which enable visual and/or audible communication between a customer station and a remote service provider station.

In the exemplary embodiment, the transaction function devices are arranged so that they may be accessed within the interior of the enclosure by the robotic item handling device. Such transaction function devices may be arranged in an efficient and compact manner. Embodiments of the invention may include supporting structures such as racks, shelves, mounting brackets or other arrangements for holding or positioning transaction function devices within the interior area of the enclosure. The available space within the enclosure and the supporting structures for transaction function devices may enable such devices to be readily added or removed.

One or more computers operating in the machine include one or more data stores in connection therewith. Data representative of a respective operating location of each transaction function device and each of the openings and access mechanisms in the customer stations may be stored in the data store. The data store may further include programs which operate to cause the robotic item handling device to move items between the transaction function devices and/or the openings and access mechanisms as required to carry out transactions.

In an exemplary embodiment, the robotic item handling device includes at least one arm movable about at least three axes. The arm is movable to any of a plurality of positions responsive to signals from the computer. The exemplary arm includes gripper fingers for selectively holding and releasing items. Such items may include items involved in banking transactions such as cash, coins, receipts, envelopes, account statements or other documents. The gripper fingers of the exemplary embodiment are also selectively rotatable responsive to signals from the computer. Such movement enables positioning the fingers to take and receive items from the transaction function devices as well as the openings and access mechanisms of the customer stations.

The computer in the machine of the exemplary embodiment is operative to process customer transaction requests. The computer operates in response to a transaction being authorized to cause the transaction function devices to carry out portions of the transaction. The exemplary automated banking machine apparatus and system are operative to carry out banking transactions. A customer wishing to operate the machine provides inputs through a user interface at a customer station. Such inputs identify the customer and/or their account, the requested transaction type and/or an amount or quantity involved. The computer within the machine operates in accordance with its programming to determine if the transaction is authorized. This may be done locally by the computer accessing data in a local data store or through communication with one or more remote computers. If the transaction is authorized, the computer in the machine operates the transaction function devices to fulfill the customer's requests. For example, if the customer requested and has been authorized to make a cash withdrawal, the computer causes a transaction function device within the housing to dispense the requested notes. The notes may be delivered within the interior area of the enclosure through a note outlet opening on the note dispensing transaction function device. The robotic item handling device is then operative responsive to the computer to engage the notes with its gripper fingers and to move the notes to the appropriate customer opening or access mechanism from which the cash may be retrieved by the customer.

A useful aspect of an exemplary embodiment is that it may simultaneously service customers at a plurality of customer stations on the machine. In conducting banking transactions, there is often waiting time for transaction authorization or for transaction functions to be carried out. In this exemplary embodiment during such waiting times in one customer transaction, the transaction function devices are operative to carry out steps necessary to fulfill transaction requests for customers at other transaction stations. This enables the completion of all transactions more quickly. The computer operates to establish transaction sequences and to maintain records of the current status concerning all ongoing transactions to effectively carry out each of the concurrent transaction activities.

Embodiments of the automated banking machine apparatus and system of the present invention may also include communication capabilities. Such communication capabilities may enable a remote service provider to communicate with customers at a selected customer station. This may be accomplished through video and/or audio connections with the appropriate customer station. Embodiments of the invention may also enable the service provider to exchange items with the customer through a pneumatic tube conveyor or other transport device that extends between the housing of the transaction machine and a service provider station.

Exemplary embodiments of the apparatus and system may also include the capability of providing customers with visual and audio materials through output devices at the customer station. This may be done during waiting times during transactions or while a customer is approaching the machine to begin a transaction or after completion of transaction activities. Exemplary embodiments of the apparatus and system include one or more video material presentation devices which enable presentation of video material. The presentation device is in operative connection with output devices of the customer stations through a video switching device. The video presentation material may include information intended to be of interest to the user. Such material may be general information of interest to most users or may be selected based on the identity of the particular user or to a person in the user's particular circumstances. One or more computers operating in the machine may cause video materials to be presented and may serve as a video switching device. In other embodiments other devices may be used for presenting and switching the materials, including switching devices that operate under the control of a human service provider.

BRIEF DESCRIPTION OF DRAWINGS

FIG. 1 is a top view of an exemplary automated banking machine apparatus used in connection with the present invention.

FIG. 2 is a transparent side view of the automated banking machine shown in FIG. 1.

FIG. 3 shows an exemplary robotic item handling device which is used as a transaction function device in the exemplary embodiment.

FIG. 4 shows the robotic item handling device of FIG. 3 with an arm in a retracted position.

FIG. 5 is an isometric view of an exemplary enclosure structure used in connection with an automated banking machine apparatus of the present invention.

FIG. 6 is a top view of the enclosure structure shown in FIG. 5.

FIG. 7 is a top view of an enclosure of an automated banking machine.

FIG. 8 is a schematic view of a plurality of transaction function devices, openings or mechanisms providing access thereto.

FIG. 9 is a top view of a customer station of an exemplary embodiment of an automated banking machine.

FIG. 10 is an isometric view of a carrier member used in connection with an exemplary customer station.

FIG. 11 is a side view of a tray of a customer station in an extended position.

FIG. 12 is an exemplary view of the tray shown in FIG. 11 in a retracted position.

FIG. 13 is a top plan view of a robotic arm positioned adjacent to a separator member which is positioned above an extendable tray.

FIG. 14 is an isometric view of an alternative customer station arrangement.

FIG. 15 is a side view of the alternative customer station arrangement shown in FIG. 15.

FIG. 16 is an isometric view of a wall arrangement for a housing of an automated banking machine of the present invention.

FIG. 17 is a side view of gripper fingers on a robotic arm in a position to grip a sheet presented by a transaction function device.

FIG. 18 is a front plan view of gripper fingers on the robotic arm operating to grip a sheet.

FIG. 19 is a side view of a bent sheet in a generally horizontal position gripped by the gripper fingers.

FIG. 20 is a side view of gripper fingers pivoted to a vertical position for straightening a sheet.

FIG. 21 is a side view of the gripper fingers on the robotic arm pivoted from the position shown in FIG. 20 to a horizontal position wherein the sheet extends generally straight, horizontally.

FIG. 22 is a front view of the gripper fingers holding the sheet as in FIG. 21.

FIG. 23 is a schematic view of an automated banking machine and system used in connection with an exemplary embodiment of the invention.

FIG. 24 is a transparent side view of the automated banking machine similar to that shown in FIG. 2 and further including a pneumatic transfer device.

FIG. 25 is a front plan view of a slot included in a user interface for delivering and receiving items from an exemplary automated banking machine.

FIG. 26 is a top view of the slot shown in FIG. 25 including convergent side members for guiding items therein.

FIG. 27 is a schematic view of an exemplary software architecture that may be used in embodiments of the invention.

FIG. 28 is a schematic view of an alternative software architecture that may be used in embodiments of the invention.

FIG. 29 is a further alternative embodiment of a software architecture that may be used in embodiments of the invention.

FIG. 30 is a schematic view of a further alternative software architecture that may be used in embodiments of the invention.

FIG. 31 is a schematic side view representing the operation of an embodiment of the invention which includes location indicators and device type identifying indicators on transaction function devices.

FIG. 32 is a front plan view of a customer panel of an automated banking machine including a plurality of vertically aligned user interfaces such as may be used in a drive-up environment for servicing customers in vehicles of varying heights.

BEST MODE FOR CARRYING OUT INVENTION

Referring now to the drawings and particularly to FIG. 1, there is shown therein an exemplary automated banking machine 10 of the present invention. Machine 10 includes an enclosure which is alternatively referred to as a housing 12. Housing 12 comprises a plurality of wall segments which bound an interior area 14 of the machine.

Housing 12 provides three customer stations 16, 18 and 20. A customer is enabled to conduct transactions at the machine from each of the customer stations. It should be understood that while the exemplary embodiment includes three customer stations, other embodiments of the invention may have a fewer or greater number of customer stations. In the exemplary embodiment, the customer stations are similar and only one will be described in detail.

Customer station 18 includes a user interface 21. The user interface includes at least one output device. In the embodiment shown, display 22 serves as an output device. Display 22 may include a CRT, LCD or other type device for providing visual outputs. Of course other types of output devices such as speakers, braille pads or other devices suitable for providing outputs to a user may be included in an alternative user interface.

The user interface 21 also includes at least one input device. The input devices may include a touch screen interface which may be used to sense the position of a user's finger adjacent to display 22. Through such a touch screen input device, a user is enabled to provide inputs responsive to outputs presented on a screen. Alternatively or in addition, other types of input devices may be included at a customer station. Such input devices may include a keypad, function keys, microphones or other devices through which a user may make selections or provide information.

Another type of input device included in the exemplary embodiment of the user interface is a card reader 24. Card reader 24 is positioned in supporting connection with the housing 12 and is accessible through a card slot 26. In the exemplary embodiment the user is enabled to insert a magnetic stripe type card through the card slot. Indicia that is encoded on the card is read by the card reader 24. Such indicia generally includes data representative of a user and/or their respective account(s) concerning which the user conducts transactions. It should be understood that while a magnetic stripe type card reader is described in connection with the exemplary embodiment, other embodiments of the invention may use other types of card reader or input devices for identifying a user. Such devices may include for example a "smart card" reader which is used for reading a programmable memory positioned on a card. The information included in memory may include data representative of a user and/or their accounts. Such encoded data may also include data representative of monetary value which may be added to or subtracted from the card memory as transactions are conducted. In other embodiments the user interface may include a card slot. Cards may be taken from the card slot to a card reader in the interior area of the housing to be read in a manner later discussed. Other types of input devices may be used in connection with embodiments of the invention such as biometric type reading devices, voice recognition devices, speech recognition devices, imaging devices or other devices that are capable of receiving inputs which identify a user and/or through which a user may input instructions.

The user interface 21 at customer station 18 may include one or more customer access mechanisms. In the exemplary embodiment a customer access mechanism includes a tray mechanism 28. Tray mechanism 28 includes a delivery area 80 for holding items which are transferred between the customer and the machine. The tray mechanism is selectively movable in the exemplary embodiment between positions in which a delivery area 80 is moved between a position in the interior area 14 of the housing and a position accessible from an exterior area of the housing in which items in the delivery area of the tray may be accessed by a customer. It should be understood that while in the exemplary embodiment the tray mechanism 28 is used as a customer access mechanism, in other embodiments other mechanisms may be used for exchanging transaction items with a customer. Such access mechanisms may include various forms of openings, drawers, transports, pockets, slides or other devices that are suitable for passing one or more of the types of items involved in transactions conducted at the machine. For purposes of this disclosure, all such items shall be referred to as a tray.

In the exemplary embodiment interior area 14 of machine 10 includes one or more computers 30. (See for example FIG. 23). The computer 30 is in operative connection with one or more data stores schematically indicated 32. Data store 32 holds programs and data suitable for operating the machine and/or for providing communications with other systems and devices. It should be understood that while in the exemplary embodiment only one computer and data store are shown, other embodiments may include a plurality of operatively connected computers and data stores. For purposes of this description, references to a computer shall also be construed to encompass a plurality of connected computers, and references to a data store shall be construed as encompassing one or more data stores which are accessible by one or more computers.

In the exemplary embodiment computer 30 is in operative connection with a plurality of transaction function devices schematically indicated 34. The transaction function devices include devices which can be operated responsive to the computer to carry out one or more types of transactions which are requested by customers operating the machine. In the exemplary embodiment of the invention the transaction function devices 34 may include devices such as card reader 24, currency dispensers, ticket dispensers, printers, deposit accepting devices, transports and other mechanisms that can be operated under the control of the computer. Such transaction function devices are shown positioned in the interior area 14 of the machine in FIGS. 1 and 2. For purposes of this description the one or more computers which operate in the machine may alternatively be referred to as a controller.

Transaction function devices may be arranged about the interior area of the housing in various configurations. For example, such items may be vertically stacked on top of or above one another or supported from the walls of the housing. Such transaction function devices may also be disposed on racks or shelves or other suitable supporting devices. Transaction function devices such as currency dispensers may also be positioned in separate enclosures which are supported on a floor surface and anchored thereto. Such devices may include a secure chest with a suitable lock and which may be accessed only by authorized personnel. Similarly deposit accepting mechanisms for accepting deposits in the form of envelopes, sheets or other items may be housed within secure enclosures positioned within the interior area of the housing of the machine.

Transaction function devices may also be positioned in areas adjacent to the housing and accessible within the interior area. For example, FIG. 1 shows the housing 12 in abutting relation with a wall 36. The wall separates the interior area 14 of the enclosure from a room 37. An opening 38 which extends through the wall enables a transaction function device 40 to deliver items to or receive items from the interior area through the opening 38. An example of such an item might be a bill dispenser that selectively dispenses bills or stacks of bills through the opening. This may enable providing enhanced security for device 40 by placing it behind a building wall or other structure. Of course mechanisms may be provided for limiting access through the opening 38. Other openings may also be provided in the wall. For example, in some embodiments a depository for holding deposit envelopes may have items deposited therein through an opening in the wall.

In the exemplary embodiment, one of the transaction function devices included in the interior area 14 is a robotic item handling device 42. The robotic item handling device later described in detail, is usable in the exemplary embodiment to move items involved in transactions between the tray or other customer access devices, and other transaction function devices. The robotic device 42 operates responsive to the computer 30 to grasp and move items between the customer stations and other transaction function devices, responsive to the inputs from the customers and the signals which control or result from operation of the devices in performing transaction functions.

As shown in FIG. 23, a computer 30 of an exemplary embodiment is in communication with one or more remote computers 44 and 46. The computer 30 communicates with the remote computers through a network 48. Network 48 may be any of a number of types of communication networks such as a telecommunications network, lease line, dial-up connection, wireless network, local area network, or wide area network such as the Internet. Computer 30 communicates messages with the network and the host computers through a suitable communications interface 50.

In an exemplary embodiment, the computer 30 operates in accordance with its programming to operate an output device to prompt a customer to provide identifying inputs to the machine. This may be done by a customer through input of a card such as a debit card and a personal identification number (PIN), or through other suitable identifying inputs. The customer is also prompted responsive to operation of the computer 30 through an output device to input the type of transaction they are requesting and the amount or character of the transaction requested. Using this information, the computer operates to formulate a transaction request message which is routed to the host computer which can authorize the customer's requested transaction.

Upon receipt of the message or messages from the computer 30, the host computer operates responsive to its programming and data that is accessible in one or more associated data stores to determine if the customer is authorized to conduct the transaction. The host computer then responds to the machine 10 through the network with a message which includes data representative of whether the transaction is authorized. In response to receiving a message that indicates that the transaction is authorized, the computer operates to cause the transaction function devices to carry out steps which are required to complete the requested transaction. The computer also operates to control the robotic item handling device to move items between the customer station and the appropriate transaction function devices. After carrying out the transaction the computer 30 of the exemplary embodiment operates to communicate with the appropriate remote computer to confirm that the transaction was successfully carried out. It should be understood that the sequence of transaction messages is exemplary and in other embodiments other sequences and message types may be used.

As shown in FIG. 23, machine 10 also has in operative connection with the computer 30 an operator interface 52. Operator interface 52 may include appropriate input and output devices. A bank or other entity operating the machine may use the operator interface to appropriately program the computer and load data into its associated data store. Operator interface 52 may in various embodiments be a generally permanent part of the transaction machine. Alternatively operator interface 52 may be a hand-held or other portable type computer which may be connected to computer 30 for loading instructions and data therein. In embodiments of the invention computer 30 may be programmed remotely through one or more other terminals which are connected to machine 10 through the network 48.

Machine 10 may also include other types of transaction function devices and/or interfaces which enable a customer to communicate with and/or exchange items with a live service provider. In some embodiments of the invention, the transaction function devices may include devices such as a camera or other imaging device, and audio input devices such as microphones and audio output devices such as speakers, handsets or other devices which are capable of providing audio information to the customer. Upon the customer or the service provider providing an appropriate input, the customer may be placed in one-way or two-way video and/or audio communication with a service provider located remotely from the machine. This may be done by a local hard wired connection when the service provider is located in proximity to the machine. Alternative embodiments of the invention may provide for the computer 30 to operate in connection with devices for producing images. This may include, for example, one or more cameras located at the machine and/or the service provider station, and transmitting image data through the network. Such data may be output in the form of images on displays enabling generally real time video conferencing between the customer and the service provider. Similarly audio information may be transmitted between the customer and the service provider enabling the service provider and the customer to communicate in generally real time. Such communications may be useful in operations such as check cashing, loan application, bank check printing or other activities that may be carried out at the machine.

Alternative embodiments of the invention may also include the capability for a customer at the machine to exchange items with a remote service provider. This may be done by providing a pneumatic tube type conveyor system or other item transport device between the machine 10 and a remote service provider station. FIG. 24 shows a pneumatic tube conveyor delivery mechanism 43. In some embodiments the pneumatic transfer system may be of a type shown in U.S. Pat. No. 6,146,057 which is owned by the assignee of the present invention and the disclosure of which is incorporated herein by reference. Another example of such a system is shown in published International Patent Application PCT/US98/09178 the disclosure of which Application is also incorporated herein by reference as if fully written herein. The use of such pneumatic tube conveyor systems may enable a customer to exchange items with a service provider or another transaction performing device to facilitate carrying out transactions.

Exemplary embodiments of the invention also include in the data store 32 associated with computer 30, or in another connected storage device, data or instructions corresponding to presentation materials which can be presented to customers. Such presentation materials may include video and/or audio type presentations that may be of interest to customers generally or to customers in particular situations. The computer 30 may be programmed to operate to cause such materials to be displayed to customers operating the machine. This may be done for example during waiting times in the transactions such as when the machine is operating to perform transaction authorization, to print or move materials or to carry out transaction functions for other customers. Alternatively such materials may be presented before or after transactions. Such materials may be directly targeted to the particular customer based on information concerning the customer's account, the particular transaction the customer wishes to conduct or other stored or derived information. Alternatively, a service provider may operate a connected switching device or cause the computer to selectively output presentation materials to the customer that the service provider considers appropriate.

FIGS. 3 and 4 show an exemplary form of the robotic item handling device 42 used in connection with machine 10. The robotic item handling device generally is enabled to operate to grasp and move items between the user interfaces at the customer stations and the transaction function devices. The exemplary form of the robotic device 42 enables manipulating items about three axes. Of course, in other embodiments other types of additional handling devices may be used.

Device 42 includes a base portion 54. Base portion 54 of the described embodiment is stationary. However, it should be understood that in other embodiments the base portion may be moved on a slide mount or other actuator device 55 such as is shown in FIG. 31, responsive to operation of the computer 30. This may provide for additional movement capabilities for the device, such as between more widely, transversely disposed customer stations or transaction function devices.

In the exemplary embodiment, device 42 further includes a head portion 56. Head portion 56 is selectively rotatable relative to base portion 54 about an axis 58. Servomotors or other suitable moving devices are used in connection with the robotic item handling device for achieving the desired movement in a controlled manner.

Head portion 56 is connected to an arm 60. Arm 60 includes a first arm portion 62. Arm portion 62 is selectively rotatable relative to head portion 56 generally about an axis 64. A second arm portion 66 is in supporting connection with arm portion 62. Arm portion 66 is rotatable relative to arm portion 62 generally about an axis 68.

Arm portion 66 is in supporting connection with a rotatable claw member 70. Claw member 70 is rotatable relative to arm portion 66 about an axis 72. Claw member 70 further includes a pair of relatively movable gripper members which in the exemplary embodiment include a pair of opposed fingers 74. Gripper fingers 74 are selectively movable relative to one another to selectively grasp and release items.

As represented in FIGS. 1, 2, and 5 the robotic item handling device 42 is enabled to move responsive to operation of the computer to move the gripper fingers throughout a range of positions relative to the interior area 14 of the machine 10. This includes engaging the gripper members with items delivered by a user into the tray or other openings or access mechanisms, and placing such deposited items into appropriate engagement with transaction function devices. Likewise the robotic item handling device 42 is enabled to move items from one transaction function device to another within the interior of the housing, as well as to move items from a transaction function device to the delivery area of the appropriate tray or other opening or access mechanism which enables a customer to access the particular item. As can be appreciated from FIG. 1, the robotic item handling device is enabled to take items from and deliver items to all three customer stations in this exemplary embodiment. In addition, the machine 10 may operate under the control of the computer to have transactions ongoing with multiple customers at several customer stations simultaneously.

In the exemplary embodiment, the robotic item handling device 42 operates under the control of the computer to move the tray mechanism 28 between an extended position in which the delivery area 80 of the tray is accessible to a customer, and a retracted position in which the delivery area of the tray is moved inside the housing. FIG. 9 shows a top plan view of the customer station 18 with the tray mechanism 28 in an extended position. Exemplary user interface 21 of customer station 18 includes a shelf 76. A tray housing 78, which is part of the tray mechanism 28, is shown in the outwardly extended position in FIG. 9. In this position, shelf 76 extends in generally surrounding relation of the tray housing. Shelf 76 provides a suitable work surface for customers on which to place items or to write information when conducting transactions. Tray housing 78 includes the delivery area 80. Delivery area 80 is suitable for having items placed therein which are to be received from or delivered to one of the transaction function devices. This may include for example currency, passbooks, tickets, receipts, envelopes, in some cases cards, or other items which are moved between the customer and the transaction function devices.

As shown in FIG. 11, in the exemplary embodiment tray housing 78 has in connection therewith an actuating member 82 which extends in cantilevered relation therewith. In the exemplary embodiment actuating member 82 comprises a semi-rigid resilient member which is suitable for imparting sufficient force to move the tray housing 78 between the extended position shown in FIG. 11 and the retracted position shown in FIG. 12. However, the characteristics of the actuating member 82 are such that if the tray 78 encounters an excessive resistance to movement, actuating member 82 will deform. The resilient nature of the preferred form of the actuating member 82 enables it to spring back into position after such deformation.

In the exemplary embodiment, the tray 78 is moved between the extended and the retracted positions by the robotic item handling device 42. When the delivery area 80 of the tray is to be retracted, at least one of the gripper fingers 74 engages the actuating member 82 adjacent a free end 83 thereof, and pulls the tray housing 78 inward to the retracted position shown in FIG. 12. Similarly when the delivery area 80 of the tray is to be extended at least one gripper finger 74 engages and pushes outward on the actuating member 82 adjacent the free end until the delivery area moves to the extended position. If a problem is encountered in moving the tray in either direction in this exemplary embodiment, the actuating member deforms so that the gripper finger moves past the actuating member without causing damage to either the tray mechanism or the gripper finger. This avoids problems in the event that the tray mechanism or another item being moved has become stuck.

As shown in FIGS. 12 and 13 in an exemplary embodiment, a separating member 84 extends adjacent to, and in the exemplary embodiment, above the delivery area 80 of tray housing 78 when the tray is in the retracted position. In the exemplary embodiment separating member 84 is generally U-shaped in cross section. Member 84 includes a wall 85 having a vertically extending slot or opening 86 therethrough with an open top 87 as shown in FIG. 13. Opening 86 is sized for accepting gripper fingers 74 therein in generally close fitting relation.

As represented in FIG. 13 separating member 84 serves to provide greater assurance that items which are to be deposited in the delivery area of the tray are separated from the gripper fingers. As represented in FIG. 13 an item 8