WO2003040881A2

WO2003040881A2 - Automated banking machine currency tracking system and method

Info

Publication number: WO2003040881A2
Application number: PCT/US2002/035325
Authority: WO
Inventors: Thomas H. Graef; Edward Laskowski; William D. Beskitt; Michael Harty; Jeffrey Eastman; Richard J. Phelps; Natarajan Ramachandran
Original assignee: Diebold, Incorporated
Priority date: 2001-11-05
Filing date: 2002-11-04
Publication date: 2003-05-15
Also published as: BRPI0213901B1; AU2002354003A1; MXPA04003838A; EP1573433A2; PL375097A1; BRPI0213901A8; CN1636222B; BRPI0213901A2; CA2465116C; AU2002354003A8; CA2465116A1; CN1636222A; WO2003040881A3; EP1573433A4

Abstract

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

Description

AUTOMATED BANKING MACHINE CURRENCY TRACKING SYSTEM AND METHOD

TECHNICAL FIELD This invention relates to automated banking machines. Specifically, this invention relates to an automated banking machine and which delivers and receives documents such as currency notes and identifies suspect notes for analysis and handling.

BACKGROU ) ART Automated banking machines are known in the prior art. A common type of automated banking machine is an automated teller machine (ATM).

ATMs may be used by individuals to receive cash from their accounts, to pay bills, to transfer cash between accounts, and to make deposits. Certain ATMs also enable customers to deposit checks, money orders, travelers checks, or other instruments. Such ATMs sometimes have the capability of creating an electronic image of a deposited instrument.

ATMs may also provide various types of sheets to customers. Such sheets include currency bills that customers withdraw from the machine. Customers may also receive sheet materials such as money orders, bank checks, scrip, stamps or other sheet materials stored in or produced by the machine. Customers may also receive from an ATM a printed sheet which is a receipt indicating the particulars ofthe transactions they have conducted at the machine. In addition customers may request and receive from some ATMs a more detailed statement of transactions conducted on their account.

Some ATMs have several different locations on the machine where sheets are received from or delivered to a customer. For example, most machines include one area for delivering cash to a customer and another area for receiving deposits. More than one deposit receiving area may also be provided for different types of deposits. For example, an ATM may have one opening for receiving envelope deposits, and a separate opening for receiving negotiable instruments, such as checks. ATMs may also have a particular area for delivering receipts to the customer. If the machine has the capability of printing a complete account statement on larger paper an additional area may be provided where statement sheets are delivered.

Having different areas on the customer interface of an ATM to receive and provide different types of sheets is required because each type of sheet is processed by a different mechanism within the machine. Each of these mechanisms has its own separate access to the customer. This makes machines with different features substantially different from other machines and adds complexity to their operation. Providing several different passageways and transports for receiving and providing sheet materials to customers also adds complexity and cost to a machine.

While the drawbacks associated with multiple sheet delivery and receiving openings is easily appreciated with regard to ATMs, other automated banking machines have similar drawbacks. For example the machines used by bank tellers to count currency received from customers are generally totally different machines than those used to dispense currency that is to be provided by the teller to a customer. Separate machines are also often provided for receiving and imaging checks and other types of negotiable instruments and documents of value. Often a separate terminal is provided to print a statement or record of a transaction for a customer. Automated banking machines which accept documents such as currency notes are also becoming more common, hi some such automated banking machines, a document such as a currency note may be received from a customer and assessed for validity by devices within the machine. If the presented note is determined to be valid, it may be stored in the machine and later dispensed to the same or another customer requesting to receive notes from the machine.

Such automated banking machines may occasionally receive invalid or suspect documents. When this occurs the document is generally rejected by the machine. In some circumstances it may be desirable in the case of a counterfeit document to remove the document from circulation and/or to identify the person presenting it for purposes of investigating the source of counterfeit documents. Also in some cases the documents presented may generally appear to be valid but do not meet the requirements for acceptance by the machine. However, even though such documents presented may most likely be valid, the machine may reject them because they do not meet all of the criteria set for an unequivocally valid document which is suitable to be accepted, stored and later dispensed by the machine.

Thus there exists a need for an automated banking machine and system that has the capability of receiving and dispensing documents such as notes, which has the capability of accepting and identifying invalid and suspect notes, which is capable of providing information that may be used to identify and preserve such notes and which provides the ability to contact the entity responsible for presenting the notes to the machine.

DISCLOSURE OF INVENTION It is an object of an exemplary embodiment ofthe present invention to provide an automated banking machine.

It is a further object of an exemplary embodiment ofthe present invention to provide an automated banking machine which has a simpler customer interface. It is a further object of an exemplary embodiment ofthe present invention to provide an automated banking machine which has a single opening for receiving and providing various types of sheets and documents.

It is a further object of an exemplary embodiment ofthe present invention to provide an automated banking machine which performs a plurality of banking transaction functions and which has a compact physical size.

It is a further object of an exemplary embodiment ofthe present invention to provide an automated banking machine that may be more readily configured to provide different banking functions. It is a further object of an exemplary embodiment ofthe present invention to provide an automated banking machine that is economical to manufacture and operate.

It is a further object of an exemplary embodiment ofthe present invention to provide an automated banking machine that accepts and delivers various types of banking documents in a stack from and to customers, respectively.

It is a further object of an exemplary embodiment ofthe present invention to provide an automated banking machine which is capable of assessing the validity of deposited documents.

It is a further object of an exemplary embodiment ofthe present invention to provide an automated banking machine which is capable of marking suspect and/or invalid documents in the machine.

It is a further object of an exemplary embodiment ofthe present invention to provide an automated banking machine which enables tracking of a suspect or invalid document with regard to the source ofthe document.

It is a further object of an exemplary embodiment ofthe present invention to provide an automated banking machine which is capable of marking a suspect document with a removable mark which can be removed from the document if the document is later determined to be valid.

It is a further object of an exemplary embodiment ofthe present invention to provide an automated banking machine which marks a suspect document accepted in the machine with an indicator which corresponds to a particular transaction, account and/or user associated with placing the suspect document in the machine.

It is a further object of an exemplary embodiment ofthe present invention to provide an automated banking machine that marks a suspect document with a removable machine readable indicator.

It is a further object of an exemplary embodiment ofthe present invention to provide an automated banking machine which is usable in connection with an assessing operation which is capable of evaluating suspect documents to determine validity and of removing marks from documents determined to be valid.

It is a further object of an exemplary embodiment ofthe present invention to provide a method for operation of an automated banking machine system.

It is a further object of an exemplary embodiment ofthe present invention to provide a method of operation of an automated banking machine system in which invalid and/or suspect documents deposited in an automated banking machine are identified.

It is a further object of an exemplary embodiment ofthe present invention to provide a method in which suspect documents deposited in an automated banking machine are identified with a removable marking and the marking is removed after the validity ofthe deposited document is verified. It is a further obj ect of an exemplary embodiment of the present invention to provide a method by which persons responsible for depositing invalid documents in an automated banking machine may be contacted. It is a further object of an exemplary embodiment ofthe present invention to provide a method by which documents deposited in an automated banking machine which are determined to be invalid are tracked to the particular entity responsible for depositing such documents in the machine. Further objects of exemplary embodiments ofthe present invention will become apparent in the following Best Modes for Carrying Out Invention and the appended claims. The foregoing objects are accomplished in an exemplary embodiment by an automated banking machine having a transport which moves sheets or stacks of sheets along a first transport path. The first transport path extends from a user accessible opening on an interface ofthe machine. The machine also includes an internal second transport path for transporting sheets. The second transport path meets the first transport path at an intersection. A sheet directing apparatus is positioned adjacent to the intersection. The machine further includes at least one sheet dispensing device and at least one sheet accepting device for dispensing and receiving sheets, respectively. The sheet dispensing and receiving devices are in operative connection with either the first or second transport paths. hi operation ofthe exemplary machine a stack of sheets which may include various types of documents is received from a user is moved from the opening along the first transport path. As the stack passes the intersection the sheet directing apparatus is selectively operative to separate a sheet from the stack and direct the sheet into the second transport path. Once in the second transport path the separated sheet may be handled individually for processing or storage in the machine. Passing the stack through the intersection enables selectively removing sheets from the stack in response to operation ofthe sheet directing apparatus. Sheets dispensed or otherwise held in the machine are enabled to be assembled into a stack by moving a sheet in the first transport path. A sheet in the second transport path is moved to the intersection in coordinated relation with the first sheet. The first and second sheets engage in aligned relation and form a stack in the first transport path as the sheets move through the intersection. Additional sheets are selectively added to the stack as the stack is thereafter again moved through the intersection while successive sheets are brought to the intersection through the second transport path. Narious types of sheets are selectively assembled into the stack in the operation ofthe machine. Control circuitry operates the components ofthe machine to assemble the stack. Once the stack is assembled, it is delivered to the user by passing it along the first transport path to the user opening.

In some exemplary embodiments data may be acquired and stored which is usable to determine the individual users who have provided and/or received particular sheets from the machine. This may enable the machine to determine the source or disposition of suspect notes for example. Alternatively or in addition, exemplary embodiments may limit the dispense of documents such as checks, money orders or cash from the machine to particular individuals to reduce the risk of money laundering or other illegal or fraudulent activity. Other exemplary embodiments may include other or additional features. hi some exemplary embodiments, documents placed in the machine are assessed for validity through operation ofthe machine. Documents assessed as valid are stored in the machine in appropriate storage locations, hi some embodiments such documents maybe later dispensed to users ofthe machine during transactions that include the dispense of such documents. Deposited documents that are assessed as invalid in some embodiments may be marked by a marking device in the machine with a permanent mark. The permanent mark may correspond to at least a portion of an indicator associated with the particular transaction in which the invalid document was deposited. Such indicators may include for example a transaction number, account number, user number, indicia corresponding to a biometric feature ofthe person depositing the document or other usable indicia or combinations thereof. Such indicators may in some embodiments be human readable, machine readable or both, h some exemplary embodiments such invalid documents which are permanently marked may be stored within the machine for later recovery and delivery to proper authorities. Such delivery may be accompanied by information concerning the transaction or user responsible for presenting each invalid document.

In some exemplary embodiments, documents assessed to be of questionable validity but which are most likely valid may also be accepted in the machine. In some such embodiments documents determined to be of questionable validity may be marked by a marking device which provides a removable mark on the document. The removable mark may include at least a portion of an indicator associated with the transaction or transaction data. The removable mark may likewise be machine readable, human readable or both. hi some exemplary embodiments such a marked document because it is determined to likely be valid, may be accepted and stored in the machine and the entity responsible for depositing the document may be granted a provisional credit for the deposit. In some exemplary embodiments such questionable documents may be stored for later removal from the machine. Upon such removal the documents maybe subject to an assessing operation to determine if the document is in fact valid. Such an assessing operation may be conducted manually, through operation of a machine, or both, hi an exemplary embodiment the removable mark does not interfere with assessing the document for validity and remains on the document during the assessing operation. If through the assessing operation the document is determined to be valid, the removable mark may be removed from the document and the document either returned to circulation or otherwise appropriately dealt with. In the exemplary embodiment if the document is determined to be invalid, the indicator is used to determine the entity responsible for depositing the document. If a credit has been previously granted for deposit ofthe document, the user given the credit is notified and the credit revoked, hi some exemplary embodiments the marked document may be maintained and delivered to appropriate authorities along with information concerning the transaction for purposes of investigation.

It should be understood that the embodiments described herein are exemplary and many other embodiments are encompassed within the scope of the claimed invention.

BRIEF DESCRIPTION OF DRAWINGS Figure 1 is a front plan view of an exemplary automated banking machine including some features ofthe present invention.

Figure 2 is a left side view ofthe automated banking machine shown in Figure 1.

Figure 3 is a schematic cross sectional view ofthe automated banking machine shown in Figure 1. Figure 4 is a side schematic view of a first transport path and a second transport path in the automated banking machine.

Figure 5 is a transverse cross sectional view of a transport used in the automated banking machine. Figure 6 is a schematic side view of a sheet moving from the second transport path to the first transport path through an intersection.

Figure 7 is a view similar to Figure 6 with the sheet moved into the first transport path from the intersection.

Figure 8 is a schematic view similar to Figure 7 with the sheet moving in an opposed direction through the intersection.

Figure 9 is a schematic view similar to Figure 8 with the sheet held in a holding device.

Figure 10 is a view similar to Figure 9 with the sheet moving in the intersection and engaging a second sheet being delivered through the second transport path, the second sheet engaging in aligned relation with the first sheet to form a stack.

Figure 11 is a schematic view similar to Figure 10 in which the stacked pair of sheets have passed through the intersection.

Figure 12 is a schematic view similar to Figure 11 in which the stacked sheets are held in the holding device.

Figure 13 is a schematic view ofthe first and second transport paths with the sheet directing apparatus operating to separate a first sheet from a stack as the stack passes through the intersection.

Figure 14 is a schematic view similar to Figure 13 showing the sheet separating from the stack as the stack passes through the intersection.

Figure 15 is a schematic view ofthe first and second transport paths showing a sheet being reoriented by a sheet turnover device.

Figure 16 is a schematic view showing a sheet passing through a second intersection between the first transport path and a third transport path. Figure 17 is a schematic view ofthe first and second transport paths with a deposit envelope passing therethrough.

Figure 18 is a schematic view showing the first, second and third transport paths, with a sheet moving from the holding device to the third transport path.

Figure 19 is a schematic view of an alternative embodiment ofthe first, second and third transport paths with additional holding devices in the first transport path.

Figure 20 is a schematic view showing the first and second transport paths with a sheet moving from the second transport path to the first transport path, and schematically demonstrating how the sheet directing apparatus is used as part of a sheet turnover device.

Figure 21 is a schematic view of an alternative embodiment ofthe first, second and third transport paths used in an alternative automated banking machine in which two user interfaces and user accessible openings are provided.

Figure 22 is a side view of an automated banking machine housing the transport apparatus schematically shown in Figure 21.

Figure 23 is a schematic view showing a sheet separating from or adding to a stack as the stack passes through an intersection.

Figure 24 is a schematic view showing an exemplary system in which suspect and/or invalid documents deposited in an automated banking machine are processed.

BEST MODES FOR CARRYING OUT INVENTION Referring now to the drawings, and particularly to Figure 1, there is shown therein an automated banking machine generally indicated 10. Machine 10 is an ATM. However, other embodiments ofthe invention may be other types of automated banking machines. ATM 10 includes a user or customer interface generally indicated 12. Customer interface 12 includes a touch screen 14. Touch screen 14 is of a type known in the prior art which serves as both an input device and an output device. The touch screen enables outputs through displays on the screen and enables customers to provide inputs by placing a finger adjacent to areas ofthe screen.

Customer interface 12 further includes a keypad 16. Keypad 16 includes a plurality of buttons which may be actuated by a customer to provide inputs to the machine. Customer interface 12 further includes a card reader slot 18. Card slot 18 is used to input a card with encoded data thereon that is usable to identify the customer and/or the customer's account information. Card slot 18 is connected to a card reader of a conventional type for reading data encoded on the card. Other exemplary embodiments may include types of input devices other than a card reader and/or a keypad. Some embodiments may include input devices such as biometric readers that may be operative to receive customer identifying inputs such as fingerprints, iris scans, retina scans, face topography data, voice data or other inputs that provide data that is usable to identify a user. An example of an ATM that uses biometric input devices and other types of input devices is shown in U.S. Patent No. 6,023,688 the disclosure of which is incorporated herein by reference.

Customer interface 12 further includes an opening 20. Opening 20 as later explained, is used to receive stacks of sheets or documents from a customer operating machine 10. Opening 20 is also used to deliver stacks of documents to customers operating the machine. Although opening 20 is shown exposed in Figure 1, it should be understood that in other embodiments it may be selectively covered by a movable gate or similar closure structure. It should be understood that these features ofthe described ATM user interface are exemplary and in other embodiments the user interface may include different components and/or features.

As shown in Figure 2 machine 10 has a generally divided body structure which includes a chest portion 22. Chest portion 22 in the exemplary embodiment is preferably a secure chest and is used for holding items of value such as currency or deposits. Chest portion 22 has a door 24 which can be selectively opened to gain access to the interior ofthe chest portion. Door 24 preferably includes a combination lock or other locking mechanism (not shown) which prevents the chest portion from being opened by unauthorized persons. Machine 10 further includes an upper enclosure portion 26. The upper enclosure portion has components ofthe customer interface 12 thereon. The customer interface portion 12 includes a fascia 28. Fascia 28 is preferably movably mounted on the upper enclosure portion 26 and may be selectively opened to gain access to components housed in the upper enclosure portion. A locking mechanism (not shown) is preferably included in the upper enclosure portion ofthe exemplary embodiment for preventing unauthorized persons from gaining access to the interior thereof.

As shown in Figure 3 machine 10 includes a plurality of devices for carrying out banking transactions. It should be understood that the devices discussed hereafter are exemplary and that additional or different devices may be included in other embodiments ofthe invention.

The interior of ATM 10 is schematically shown in Figure 3. The exemplary ATM includes devices for handling sheets such as notes and other documents. ATM 10 includes sheet dispensing devices, document producing devices and sheet receiving devices. Among the sheet dispensing devices are currency dispensers 30 and 32. Currency dispensers 30 and 32 may be ofthe type shown in U.S. Patent No. 4,494,747, the disclosure of which is incorporated herein, which selectively dispense sheets one at a time in response to control signals. Currency dispensers 30 and 32 may include removable sheet holding containers or canisters which include indicia thereon.

The canisters may be interchangeable and ofthe type shown in U.S. Patent No. 4,871,085, the disclosure of which is incorporated herein. The indicia on the sheet holding canisters may be indicative ofthe type and/or properties of sheets held therein (i.e. currency type and denomination) and the indicia is read by a reading apparatus when the canister is installed in the machine. The exemplary ATM may operate in response to the indicia on the canisters to adjust the operation ofthe dispensers to conform to the canister contents and position, hi the exemplary embodiment the sheet holding canisters and other devices, may include indicia ofthe type shown in U.S. Patent 4,871,085. The information represented by the indicia is read by the reading apparatus and the resulting signals transmitted to the machine control circuitry. The control circuitry adjusts operation ofthe sheet dispensing and receiving devices in response to the signals to confonn to the type and character ofthe sheets held in the various canisters. In the exemplary embodiment of machine 10 shown in Figure 3, the machine preferably includes a note handling mechanism including sheet receiving and delivering devices 34, 36 and 38. The exemplary sheet receiving and delivering devices may be ofthe type shown in U.S. Patent No. 6,331,000, the disclosure of which is incorporated herein by reference. The sheet delivering and receiving devices may enable receiving and storing sheets in selected compartments as well as selectively delivering sheets from the various compartments. As can be appreciated from the incorporated disclosure, some ofthe note handling mechamsms may receive and store notes only, others may dispense notes only and some may both receive and dispense notes. Other mechanisms may process sheets of types other than notes. Machine 10 further includes an envelope depository schematically indicated 40. Depository 40 is a device configured to accept and hold relatively thick sheet-like deposit envelopes deposited by customers in the machine.

Depository 40, currency dispensers 30 and 32 and sheet receiving and delivering devices 34, 36 and 38 are all positioned within the chest portion 22 ofthe machine 10. hi the exemplary embodiment, the sheet dispensing and receiving devices, except for the depository, in the exemplary embodiment may be interchangeably positioned in the machine. The control circuitry adjusts operation ofthe machine accordingly based on the device positions and the indicia on the canisters or devices. Each ofthe currency dispensers 30 and 32, sheet receiving and delivering devices 34, 36 and 38, and the depository 40 are in communication with a sheet transport path generally indicated 42. Sheet transport path 42 comprises a plurality of sheet transports which are aligned and in operative connection through a rear area ofthe chest portion. Sheet transport path 42 may include one or more sheet transports ofthe type shown in U.S. Patent 5,240,638, the disclosure of which is incorporated herein. Each ofthe depository 40, currency dispensers 30 and 32 and sheet receiving and delivering devices 34, 36 and 38 are in operative connection with the sheet transport path 42, and are enabled to deliver sheets to and/or receive sheets from the sheet transport path 42.

Sheet transport path 42 extends through an opening (not shown) in the chest portion 22 ofthe ATM chest. Wiring that connects components located in the chest portion with components in the upper enclosure portion 26 also extends through an opening in the chest portion and is connected to control circuitry, schematically indicated 44. The control circuitry 44 preferably includes at least one processor in operative connection with at least one memory or data store, and is operative to carry out programmed instructions based on data stored in the memory. The control circuitry in the exemplary embodiment operates the machine to carry out the operations hereinafter described.

Upper enclosure portion 26 includes the fascia 28 and the customer accessible opening 20. A first transport path generally indicated 46 extends inside the machine from opening 20. First transport path 46 preferably includes an interwoven belt type transport ofthe type shown in U.S. Patent

5,797,599, the disclosure of which is incorporated by reference. A transport of this type is schematically shown in Figure 5 and is generally indicated 48.

Transport 48 includes a plurality of spaced first rolls 50 and a plurality of intermediate spaced second rolls 52. Rolls 50 and 52, which are preferably crowned rolls, support elastomeric belts thereon. First rolls 50 support first belts 54 and second rolls 52 support second belts 56. Belts 54 and 56 extend longitudinally in the transport 48.

A stack of sheets schematically represented by sheet 58 in Figure 5, move in engaged relation with belts 54 and 56 in the transport as described in the incorporated patent disclosure. The configuration of transport 48 enables transporting stacks having varied numbers and types of sheets, as well as transporting passbooks and other forms of stacked sheets. The transport ofthe exemplary embodiment is useful because of its ability to transport sheets of various types, having varied thicknesses and frictional properties while minimizing skewing.

Referring again to Figure 3, first transport path 46 intersects with transport path 42 at a first intersection, generally indicated 60. As hereinafter explained the exemplary embodiment comprises a separating mechanism that separates sheets individually from a stack and a stack assembly mechanism that produce a stack of documents, h the exemplary embodiment, sheets are selectively stacked and unstacked while moving through first intersection 60 to enable processing of sheets within the machine 10.

Upper enclosure portion 26 also includes various sheet producing, dispensing and/or receiving devices. These dispensing and receiving devices may include dispensers or devices for receiving or dispensing sheets similar to those shown in U.S. Patent 4,494,747 or U.S. Patent No. 6,331,000, and may include removable canisters for holding sheets therein. Such removable canisters may also include indicia ofthe type described in U.S. Patent 4,871,085, which are read by apparatus within the machine. The control circuitry may be operative to control the operation ofthe machine in response to the indicia.

Devices 62 and 64 may serve as part of a document producing device and may hold sheets such as blank receipt or statement forms. Alternatively, one of such canisters may hold blank instruments which must be completed, such as scrip forms, money orders or travelers checks. A further sheet dispensing device 66 may dispense documents that need to be completed before dispense documents that need to be completed before dispense such as bank checks or documents that are dispensed without further processing such as plates of stamps. A sheet receiving device 68 is also preferably included in the upper enclosure portion. Sheet receiving device 68 may be used for holding sheets such as checks or other instruments, which have been input by a customer to the machine and which have been imaged and/or canceled through processing in the machine. The exemplary upper enclosure portion further includes at least one printing device schematically indicated 70. Printing device 70 may be used for selectively printing on sheets under control ofthe control circuitry, hi the exemplary embodiment the automated banking machine includes marking devices. Such marking devices may comprise one or more printing devices such as device 70. Such a marking device may be used to provide a removable marking on a document. Such removable markings may comprise removable ink. Such removable ink may be visible or nonvisible ink. some embodiments the marking device may provide a mark that is visible only when exposed to radiation within a certain frequency range. This may be for example a marking that becomes visible only when exposed to ultraviolet light. The removable markings in some embodiments may include numbers, symbols, patterns or designs or any other human or machine readable indicia that correspond to data or some other feature.

In some alternative embodiments the marking device for providing a removable mark to documents within the machine may include a device which applies a removable self adhesive label. Such a label may be printed or otherwise produced by an appropriate device within the machine and then applied to documents. Of course in some embodiments, combinations of types of marking devices may operate to apply different types of markings to documents in a machine. hi addition or in the alternative exemplary embodiments may include a device for applying a permanent marking to documents. Such permanent marking may include marking with a permanent ink, label or other indicia. Such permanent marking may also include permanently modifying or damaging a document such as by punching holes, shredding or other process which provides a generally permanent indication on the document. It should be appreciated that multiple types of marking devices may be provided in various embodiments depending on the operations to be carried out by the machine, h addition other embodiments may include devices for applying permanent or temporary markings different from those that are discussed herein.

An imaging device schematically indicated 72 is also included in the exemplary machine. Imaging device 72 is preferably ofthe type which enables reading and generating an electronic image of a document, such as that shown in U.S. Patent 5,534,682 or U.S. Patent No. 5,923,413 the disclosures of each of which are incorporated as if fully rewritten herein. In some embodiments an imaging device may operate in conjunction with the control circuitry to produce signals which comprise an electronic representation of an image of a check or other instrument. The electronic representation may include all or selected portions of one or both sides ofthe sheet. For example in some situations it may be suitable to obtain an electronic image of alphabetic, numerical and/or other symbols or features on the check. For example such data may be analyzed using character recognition software such as software commercially available from Check Solutions Inc., A2ia or other companies to determine the maker, amount and/or other data pertinent to the check for purposes of receiving and/or cashing the check. hi some embodiments printing devices, marking devices or other devices may also serve as part of a cancellation device. Such a cancellation device may serve to print or otherwise mark checks or other documents received by the machine. For example, the machine may mark as cancelled checks which are received and processed by the ATM. In some embodiments such checks or documents may be marked through operation ofthe cancellation device and then stored in a check storage location in the machine. In other embodiments the cancellation device after the document has been imaged, may mark the document to indicate that it has been cancelled and return the cancelled document to the user ofthe machine, hi some embodiments one or more such cancelled documents may be assembled in a stack in a manner hereafter discussed, when returned to a user. Cancelled documents may also be returned in an assembled stack with other documents such as a receipt for the transaction and/or notes dispensed by the ATM as a result of cashing the check. In some embodiments cancelled checks may be shredded, compacted or otherwise marked to avoid any fraudulent use. The control circuitry may also operate to store data corresponding to the check and the identity ofthe user ofthe ATM providing the check to the machine in one or more data store for purposes of record keeping. For example the data store may store data corresponding to the check with the data that corresponds to a user's account number, biometric data, photograph or other data usable to identify a user. Of course these approaches are exemplary and other approaches may be used.

In some embodiments the control circuitry may operate to check the user identity data before cashing one or more checks. The control circuitry may also be programmed to limit the risk of check cashing by unauthorized persons and/or to reduce the risk of money laundering. For example before cashing a check the control circuitry may operate to compare data corresponding to the characters identifying the payee indicated on the check to other input data corresponding to the user ofthe machine and/or to the characters on the check comprising the endorsement. If the payee, user and/or endorsement data does not correspond, the control circuitry may operate so that the check is not accepted or cashed. Further the control circuitry may operate to determine the amount and/or nature of checks the particular user has presented at the ATM and/or within a prior time period. The ATM may also operate to communicate with other computers in a network to determine the amount or nature of checks presented by the user at other ATMs. If the user's check presenting activities fall outside certain established programmed parameters, such that the user's activities maybe indicative of theft ofthe check or money laundering, for example, the ATM may refuse the transaction, h the alternative and/or in addition a user presenting a check may be required by the control circuitry to provide at least one biometric input. This may be done even in circumstances where the user may be identifiable by data on a card or another manner. The biometric identification data may be compared to stored data and used to evaluate the check cashing activities of this particular user. A determination may be made by the control circuitry or by a remote computer to determine if the activities fall outside the established parameters such that the current transaction is suspicious and not permitted. In this way a user with multiple cards and/or multiple identities may be prevented from conducting transactions that might be suspicious in terms of theft or money laundering. Of course some embodiments may also operate to cross check biometric data with data on a debit or credit card or other item or other device presented by the user to the ATM to provide greater assurance as to the identity ofthe user. Of course in other embodiments other approaches may be used.

The exemplary handling devices 62, 64 and 66, as well as the sheet receiving device 68, ofthe ATM are all in communication with one or more transports. These transports may be ofthe type shown in U.S. Patent 5,342,165, the disclosure of which is incorporated herein, or other suitable sheet transport devices. The sheet transport devices form a sheet transport path 74. Sheet transport path 74 extends to transport path 46 and meets transport path 46 at a second intersection 76.

The upper enclosure portion may also include additional or other devices. Such devices may include a journal printer as schematically indicated by rolls 78. The j ournal printer is used to make a paper record of transactions conducted at machine 10. Electronic journals may also be made by the control circuitry and stored in memory. Other devices which may be included in the machine are other types of document producing devices, audio output devices, customer sensors, cameras and recorders, biometric sensing devices and other apparatus suitable for use in the operation ofthe particular type of automated banking machine.

Transport paths 42, 46 and 74 ofthe exemplary machine are shown in greater detail in Figure 4. Although the transports and operation thereof are described in detail it should be understood that they are merely exemplary of devices which may be used and the claimed invention is not limited thereto.

Transport path 46, which includes one or more transports ofthe interwoven belt type shown in Figure 5. The transport path has therein a plurality of first belts 80 which extend between first rolls 82 and 84. First rolls 82 and 84 are selectively driven by a reversible drive, schematically indicated 86. Second belts 88 extend between a second roll 90 and rolls 92, 94 and

96. Second belts 88 are driven by a second reversible drive schematically indicated 98. As shown in Figure 4, roll 96 is selectively movable for purposes which are later explained. Of course it should be understood that the belts and rolls shown in the first transport path 46 are actually a plurality of spaced belts and rolls ofthe type shown in Figure 5.

First transport path 46 further includes a further transport section 100. Transport section 100 is similar to the transport shown in Figure 5 and includes a plurality of third belts 102 journaled on spaced rolls 104 and 106. Rolls 106 have positioned adjacent thereto a plurality of holding rolls 108. Rolls 108 are positioned in spaced axial intermediate relation of third belts 102. This configuration imparts a wave configuration to sheets and stacks of sheets in a manner comparable to that imparted to sheets held by transport 48 as shown in Figure 5. Holding rolls 108 and transport section 100 are independently driven by reversible drives (not shown) under the control of the control circuitry 44. Adjacent to first intersection 60, where sheet path 42 meets sheet path 46, is a sheet directing apparatus generally indicated 110. Sheet directing apparatus 110 includes sheet engaging rolls 112 and further rolls 114. Rolls 112 and 114 have resilient belts 116 mounted thereon. It should be understood that rolls 112 and 114 are driven by one or more independent reversible drives

(not shown) under control ofthe control circuitry 44. It should be understood that rolls 112 and 114 and belts 116 in Figure 4, represent a plurality of such belts and rolls which are preferably disposed in intermediate relation between the lower flights of first belts 80. Transport path 42 further includes transport 118 which is adjacent to depository 40. Transport 118 includes a plurality of rolls which drive belts 120 in response to a reversing drive (not shown). Rolls 122 which are engaged with belts 120, as well as rolls 124 which are independently driven by one or more reversible drives (not shown), are positioned in the sheet path 42 adjacent to rolls 114 and 96. The purpose of this configuration is later discussed in detail.

As schematically represented in Figure 4 transport path 46 includes sensing devices. These sensing devices are in operative connection with the control circuitry 44, and operate to sense features of sheets and stacks of sheets in the sheet transport path. A thickness sensor schematically indicated 126 is preferably provided for sensing the thickness of sheets, stacks of sheets, or sheet like deposit envelopes that move along transport path 46. Indicia reading devices 128 and 130 are preferably operative to sense indicia on sheets and envelopes moving in the transport path. The sensing devices may include photo reflective devices, magnetic sensing devices or other appropriate devices for distinguishing features of currency, various types of negotiable instruments and/or deposit envelopes. For example in some embodiments the sensing devices in combination with the control circuitry or other circuitry in the machine may comprise a validating device or assessing device for assessing the validity of notes or other documents. An example of such a device is shown in U.S. Patent 5,923,413 the disclosure of which is incorporated herein.

In some embodiments the validating or assessing device may additionally or alternatively be operative to identify individual notes. For example, the validating device may produce through algorithms one or more distinctive values that are generally uniquely associated with a particular note.

In addition or in the alternative, the validating device may include character recognition capabilities which enable determination ofthe serial numbers or other unique characters associated with particular notes. This may enable some embodiments ofthe machine to store in correlated relation in at least one data store, data that uniquely identifies a note input to the ATM and the particular user who provided the note to the machine. This may enable the ATM to identify a particular suspect note and capture the information on the user who provided it to the machine. The particular type, position and capabilities of sensing devices and/or validating devices used in a particular machine will depend on the characteristics and types of documents which are intended to be processed by the machine.

In some exemplary embodiments the assessing device may operate in the manner ofthe incorporated disclosure to assess the validity of documents such as currency notes deposited in the machine. In response to a note being assessed as valid, the machine may operate in accordance with the programming ofthe control circuitry to store the valid note in an appropriate location within the machine, hi some exemplary embodiments this location may be in a storage location in which the note may be stored and from which the note may be subsequently dispensed to a user ofthe machine in the course of a transaction in which such a note is required. This may be for example dispensing cash to a subsequent user ofthe machine who requested cash withdrawal as part ofthe transaction. This occurs after the transaction ofthe user which resulted in the note being deposited in the machine. h some exemplary embodiments a document may be identified as invalid. This may be based on the fact that the document has properties of a known counterfeit note. The control circuitry ofthe machine may be programmed to identify such notes. In such circumstances exemplary embodiments may be programmed to cause the invalid note to be marked by one or more marking devices. In some exemplary embodiments the marking provided by the marking device may be a permanent mark or a removable mark. In some exemplary embodiments the mark may include at least a portion of an indicator which is associated with the transaction. This indicator may include a transaction number which is unique to the particular transaction in which the invalid document was deposited. Alternatively or in addition, the indicator may be indicia associated with an account of a user of the machine on whose behalf the invalid document was presented. Alternatively or in addition, the note may be marked with indicia corresponding to a biometric identifier associated with the particular user who deposited the document. Of course combinations of such markings may be applied. Further such markings may be wholly or partially in machine readable form such as bar code. In addition or in the alternative, such markings may include visible and/or nonvisible ink, the application of a label or other marking so as to identify the invalid document and to associate it with information which enables the source and/or circumstances related to the deposit ofthe document in the machine to be tracked or determined.

In an exemplary embodiment invalid documents are stored in a first storage location in the machine for later removal and study. Also in the exemplary embodiment the information concerning the indicator or other documentation may be stored in a data store in the machine and/or transmitted to one or more remote computers in a network. Such information may be used for purposes of notifying the entity responsible for operating the machine such as a bank, an entity responsible for the customer and/or account into which the invalid document was attempted to be deposited and/or appropriate authorities who are responsible for issues related to counterfeit currency or other invalid documents, hi alternative embodiments a document determined to be invalid may be permanently marked so as to render it plainly unsuitable to be further passed and then returned to the user. h some exemplary embodiments documents that are assessed by the machine may be assessed as likely to be valid, but of such questionable validity that the assessing device cannot provide assurance of document validity. In an exemplary embodiment when a document is determined to be of questionable validity, the control circuitry operates the automated banking machine to mark the document with a removable mark. This removable mark may include an indicator associated with the transaction, the user or other circumstances as previously discussed. The removable mark may comprise visible or nonvisible markings including markings in inks or other materials that are only visible when exposed to radiation within a certain frequency range. Such marking may also or alternatively include machine readable indicia, information corresponding to a biometric feature ofthe user or other data which may be correlated with the transaction, account or user. In some exemplary embodiments the removable marking may include water soluble ink or other material that can be relatively readily removed by appropriate washing agents in the event that the note is eventually determined to be valid. In addition or in the alternative, the removable marking device may employ a removable label or other indicator that may be applied in a semi-permanent fashion but removed as necessary if the deposited document is subsequently determined to be valid. hi some exemplary embodiments the automated banking machine upon receipt of a document of questionable validity, may operate in conjunction with remote computers to provide the account user or upon whose behalf the document is presented with a credit for the deposited document, hi such exemplary embodiments the credit may be subject to confirmation or revocation upon further assessment ofthe document for validity during a subsequent assessing operation which is later described. First various sheet manipulating and processing operations performed by the exemplary automated banking machine ofthe described embodiment are now explained in detail with reference to Figures 6-21.

Figure 6 shows a sheet 132 moving through the intersection 60 ofthe first sheet path 46 and sheet path 42. Sheet 132, prior to reaching the position shown in Figure 6, may have been dispensed by one ofthe sheet dispensing devices positioned adjacent to transport path 42 and moved adjacent to the intersection by one or more transports which make up the transport path. As sheet 132 approaches the intersection it is engaged by belts 116 ofthe sheet directing apparatus 110, as well as belts 88. The control circuitry operates the drives which move the belts to work in cooperating relation to move the sheet toward the intersection. Once the sheet is passed through the intersection it is engaged between the lower flights of belt 80 and the upper flights of belts 88, and the sheet 132 is carried in the first direction indicated by Arrow A in Figure 6. As will be appreciated from Figure 4, Arrow A is in the direction of the customer opening 20 ofthe automated banking machine.

As shown in Figure 7 in the mode of operation currently being described, the structures act as a stack assembly mechanism. Once sheet 132 is fully moved through the intersection in the first transport path 146, movement ofthe sheet in the first direction is stopped. This is accomplished by the control circuitry 44 operating the transport drives in accordance with its program logic stored in memory, and in response to customer inputs at the customer interface. A sensor schematically indicated 134 positioned in the first sheet path senses the position ofthe sheet. Sensor 134 is in operative connection with the control circuitry. Sensor 134 may be one of several types of sensors suitable for sensing the position of sheets, such as a photo reflective type sensor. Once sheet 132 is in the position shown in Figure 7, belts 80 and 88 are stopped.

As shown in Figure 8, the control circuitry now operates the components ofthe machine to move sheet 132 in a second opposed direction as indicated by Arrow B. To move sheet 132 through the intersection in the opposed direction, sheet engaging rolls 112 and belts 116 rotate to prevent sheet 132 from passing into the second sheet transport path 42. Transport section 100 is also operated by the control circuitry to engage sheet 132 and move it in the opposed direction. A sheet turnover member 136 later described in detail, is moved to enable sheet 132 to pass roll 82 in the first sheet path.

As shown in Figure 9 sheet 132 is moved in the second direction until it is engaged between holding rolls 108 and transport section 100. A sensor which is schematically indicated 138 is positioned to sense that sheet 132 is positioned in the holding device provided by the combination of holding rolls 108 and transport section 100. Sensor 138 is operatively connected to the control circuitry which operates to stop further movement of sheet 132 in the second direction when it has reached the position shown. It should be noted that sheet 132 in this position is held adjacent to second intersection 76, which is the intersection of sheet path 74 and sheet path 46.

The next step in the operation ofthe exemplary stack assembly mechanism is represented in Figure 10. A further sheet 140 is moved in transport path 42 toward the intersection 60. Sheet 140 may be dispensed by one ofthe sheet dispensing devices, sheet producing devices or is otherwise in the path, and is moved toward the intersection. As sheet 140 moves adjacent to the intersection it is engaged by the belts 116 of sheet directing apparatus 110 as well as belts 88. Sheet 140 is also sensed by a sensor 142 in transport path 42. Sensor 142 is in operative connection with the control circuitry. The control circuitry operates to accurately coordinate the movement ofthe sheet

140 in engagement with the sheet directing apparatus 110 and belts 88.

As sheet 140 moves toward the intersection 60 the control circuitry operates to begin moving sheet 132 in the first direction along path 46 toward the intersection. The control circuitry coordinates the operation ofthe drives for the various components so that sheet 140 and sheet 132 pass through the intersection 60 in coordinated relation. As a result, sheets 132 and 140 engage in aligned, abutting relation so as to form a stack as they move through the intersection 60.

As shown in Figure 11 once sheets 140 and 132 have passed intersection 60 in the first direction, they are in a stack generally indicated 144.

As schematically indicated in Figure 11, in this mode of operation sensor 144 is operative to sense passage ofthe stack through the intersection and the control circuitry is operative to stop movement ofthe stack in the first direction in response to signals from the sensor. After sheets 132 and 140 have combined to form stack 144, additional sheets maybe added to the stack.

This is accomplished by moving the stack 144 in the second direction similar to that which is done with sheet 132 previously, as represented in Figure 8. Stack 144 is moved to the position shown in Figure 12 in which it is held by the holding device formed by holding rolls 108 and transport section 100. Thereafter, additional sheets may be added to the stack by passing sheets on transport path 42 and engaging such sheets in aligned relation with the stack in a manner similar to that represented in Figure 10.

It will be appreciated that a stack comprising a significant number of generally aligned and abutting sheets may be formed in the manner described. Because the sheets are selectively dispensed from the dispensing devices and/or sheet producing devices adjacent to transport path 42, the sheets may be stacked in a desired order as determined by the control circuitry. For example, sheets which are currency notes may be stacked in order from highest to lowest denomination, or vice versa. Particular sheets may be placed in a desired location within the stack. Once the stack has been assembled in the desired manner by the control circuitry ofthe machine, it may be moved in first transport path 46 to the opening 20 so it may be taken by a customer.

It should also be noted that in the position of stack 144 shown in Figure 12, the stack is positioned in the holding device formed by holding rolls 108 and transport section 100 adjacent to intersection 76. Intersection 76 is the intersection of transport path 46 and transport path 74. Transport path 74 extends to the devices housed in the upper enclosure portion 26 of machine 10.

As schematically represented in Figure 16, a sheet 146 maybe moved from one ofthe devices adjacent to sheet path 74 to engage the stack 144 at intersection 76 as the stack moves in the first direction. This enables adding sheets to the stack which are housed in the sheet dispensing devices and/or document producing devices adjacent to sheet path 74. The stack formed by the addition of sheets from sheet path 74 may be moved through sheet path 46 to the customer. It will be understood that sheets from sheet path 74 may be delivered individually through intersection 76 into sheet path 46, and may thereafter be added to a stack formed at intersection 60 in a manner similar to that previously described. It should also be understood that sheet path 74 includes appropriate sensors that are operatively connected to the control circuitry. The control circuitry operates so that sheets from the sheet path 74 may be added to a stack in engaged, aligned relation with the other sheets in the stack as the sheets pass through intersection 76. As a result the associated structures operate as a further stack assembly mechanism.

As shown in Figure 15, exemplary machine 10 further includes the capability of taking sheets in the first sheet path and turning them over using a turnover device. This may be done as shown in Figure 15, through the use of sheet turnover member 136. Exemplary sheet turnover member 136 comprises a member including arcuate guides or tines conforming to the contour of rolls 82. When the turnover member is positioned adjacent to rolls 82, such as in Figure 15, a moving sheet 148 is caused to be turned over from the position of the sheet in the first sheet path 46. This is accomplished by moving sheet 148 in the direction of Arrow C in Figure 15. hi the exemplary embodiment the upper belt flights of belt 80 are part of a sheet path generally indicated 150. Sheet path 150 extends adjacent to printing device 70 and imaging device 72 shown in Figure 3. As a result, the sheet may be selectively moved into sheet path 150 for purposes of conducting printing or marking thereon, such as by a marking or cancellation device, for producing an electronic image ofthe sheet by an imaging device, or both. Of course other or different functions may be performed including devices for making a permanent mark or a removable mark on documents.

Once the marking, printing or imaging activity has been conducted on the sheet in sheet path 150, the sheet may be returned to the first sheet path 46. Once the sheet 148 is returned to the first sheet path it may be selectively moved to one ofthe other sheet paths 42 or 74. From these sheet paths it may be directed into and stored in an appropriate sheet storage device or location in the machine. Alternatively, sheet 148 may be selectively moved to be combined in a stack with other sheets at intersections 60 or 76. This may in some embodiments provide for the delivery of cancelled checks to a user. Such cancelled checks may be delivered in a stack with other checks, receipts, notes or other documents.

In some embodiments the sheet turnover members 136 maybe configured so that sheets in transport path 150 may be directly added to a stack of sheets at the intersection of sheet path 46 and the turnover device. This is accomplished by configuring or moving the turnover member so that the tines in the lower position do not interfere with the passage of a stack of sheets in the first direction past the turnover member. This feature provides yet another stack assembly mechanism and may be particularly advantageous when a customer receipt is printed on a sheet by the printer in sheet path 150, and it is desired to have the receipt at the top ofthe stack. This may be achieved by positioning the stack in the holding device fonned by holding rolls 108 and transport section 100, and moving the stack in the first direction to the right in Figure 15 as the printed receipt sheet is engaged in aligned relation with the top ofthe stack as the stack moves toward opening 20.

It should be understood that in other embodiments, sheets from paths 74 and 42, as well as from path 150, may all be added to a stack as the stack moves from the holding device provided by transport section 100 and holding rolls 108, in the first direction toward the customer. This can be readily envisioned from the schematic view shown in Figure 16 with the stack 144 moving to the right as shown, and sheets being added to the stack as the stack passes roll 82 and again as the stack moves through intersection 60. As will be appreciated by those skilled in the art, numerous configurations and operations ofthe system may be provided depending on the functions carried out by the machine as well as the programming and configuration ofthe control circuitry. It should be understood that other sheet turnover devices, other than, or in addition to turnover member 136, may be provided in other embodiments. For example, in Figure 18 a directing member 152 is shown in cooperating relation with roll 108. Directing member 152 is selectively movable between the position shown, wherein it is adjacent to roll 108 and the position shown in phantom. As represented in Figure 18, when the directing member 152 is in the position shown it is operative to direct a sheet 154 that is held in the holding device formed by transport section 110 and holding rolls 108 into transport path 74. Sheet 154 may be moved in transport path 74 to a sheet handling device for storage therein in the manner previously discussed. Alternatively, turnover ofthe sheet 154 may be accomplished by moving it into transport path 174 and thereafter disposing directing member 152 away from roll 108. Once this is done, sheet 154 may again be directed into path 146 and moved to the right as shown in Figure 18 so that sheet 154 will move in a manner comparable to that of sheet 146 shown in Figure 16. This will result in the orientation of sheet 154 being reversed in sheet path 46 from its original orientation.

The components adjacent to intersection 60 may also be operated as a sheet turnover device. This is represented schematically in Figure 20. This is accomplished by having a sheet 156 initially positioned in the first sheet path similar to sheet 132 in Figure 7. The sheet is then moved into the second sheet path at intersection 60 by operating the sheet directing apparatus 110 in a manner that is later discussed in detail. Once sheet 156 is in the second sheet path, the direction of belts 88 and 116 is reversed while the lower flights of belt 80 are moved to move the sheet in the second direction indicated by Arrow B. This results in the sheet being turned over from its original orientation in the transport.

It should be further understood that sheets which originate in transport path 42 may also be directed in the manner shown in Figure 20. Tins feature enables selectively positioning sheets and turning them over through a number of different mechanisms. This enhances the capabilities ofthe exemplary automated banking machine.

A further useful aspect ofthe exemplary embodiment is that it includes a separating mechanism for separating sheets from a stack as represented schematically in Figures 13 and 14. The exemplary embodiment shown includes the capability of selectively separating a sheet from a stack of sheets as the stack passes through the intersection 60 of transport path 46 and transport path 42. As schematically represented in Figure 13, a stack of sheets 158 moves in the direction indicated by Arrow B in transport path 46. Although stack 158 is shown as a stack of four sheets, it should be understood that the stack may comprise a greater or lesser number of sheets. Stack 158 may be a stack of sheets received from a user ofthe machine through opening 20 and may consist of different sheet types. For example in some embodiments stacks accepted in the machine may include stacks of mixed notes, checks and/or other types of sheets As stack 158 moves toward intersection 60 the control circuitry ofthe machine operates sheet directing apparatus 110 so that rolls 112 and 114, and belts 116 journaled thereon, move relative to the stack in a direction opposed to the direction of stack movement. As a result of this movement by the sheet directing apparatus, a first sheet 160 which bounds a first side ofthe stack, is frictionally engaged by belts 116 and is stripped and separated from the stack. The first sheet 160 is directed into the sheet path 42 as the stack which comprises the remaining sheets continues on path 46. This enables sheet 160 to be handled separately by the devices adjacent to path 42, or to be later brought individually back to path 46 for individual transport to devices adjacent to other paths.

It should be noted that the sheet handling stacking and unstacking mechanisms described in the exemplary embodiment are but examples of devices for handling documents such as notes, checks, or other sheets within an automated banking machine, h other embodiments other sheet handing and transport mechanisms may be used.

It should be noted that in the exemplary embodiment a sensor 162 is positioned adjacent to path 42. Sensor 162 may be a photo electric sensor connected to the control circuitry for sensing the position ofthe sheet. Alternatively, sensor 162 may comprise a plurality of similar or different sensors adapted for sensing features of a sheet. Sensor 162 may be part of a validation or accessing device such as that previously discussed that is suitable for determining note type and denomination. This enables the control circuitry to properly identify a currency sheet and place it in a designated note handling mechanism, storage position or other the sheet receiving device. Sensors 162 may alternatively operate in connection with the control circuitry or other circuitry to provide a validation mechanism or assessing device to determine or assess the genuineness of a sheet. In other embodiments other features such as magnetic ink indicia, bar coding and other features may additionally or alternatively be detected by one or more sensors for purposes of identifying the type, nature an/or properties of a sheet as it moves adjacent the sensors.

As previously mentioned, in some embodiments the validation device may be operative to identify particular sheets, such as by serial number or other characteristics. In some embodiments such information maybe stored for suspect notes, and in others for all or certain selected categories of notes. Such data concerning individual notes may be stored in a data store in correlated relation with information usable to determine the identity ofthe user who provided the note to the machine. Other data may be stored as well, such as for example, the storage location or position where the note is stored in the machine or other information that can be used to recover the particular note and/or to document the transaction.

In some embodiments the machine may hold in a data store, identifying information related to notes for purposes of comparison to notes provided to the machine. This may include in some embodiments information corresponding to properties, characteristics or numbers associated with known counterfeit or invalid notes. Such information used for comparison may also include identifying data for individual notes already deposited in the machine. Thus for example, if a note provided to the machine is individually identified by determimng the serial number, the serial number may be compared through operation ofthe control circuitry to stored data for serial numbers of known counterfeits. Alternatively or in addition, the serial number ofthe note provided to the ATM may be compared to serial numbers for notes previously deposited or input in the machine. In the event of a match in either example the control circuitry would act in response to the apparent suspect note in accordance with its programming. This may include capturing and storing the suspect note, marking the note, capturing additional data about the user presenting the suspect note, notifying authorities or taking other action. h embodiments where identifying data on all notes is captured and used for comparison, the control circuitry may operate to indicate when the note has been dispensed out ofthe machine. This may include for example deleting the infonnation about the note such as its serial number from the data store upon dispense. Alternatively such indication may include storing the information indicative that the particular note has been dispensed. The information about the note dispensed may in some embodiments be stored in correlated relation with information unable to identify the user who received the note from the machine. Of course other approaches may be used in other embodiments and the approaches discussed with regard to notes may also be applied to other types of documents.

Returning to the discussion ofthe operation ofthe separating mechanism, after sheet 160 is separated from the stack 158 as shown in Figure 14, the control circuitry may operate the transports in the first path 46 to move the remaining stack to a position to the right ofthe intersection 60. If it is desired to separate an additional sheet from the stack, the remaining sheets may be moved through the intersection again in the direction of Arrow D to accomplish separation ofthe sheet that is newly bounding the side ofthe stack. Alternatively, if the control circuitry determines that it is not necessary to separate a further sheet from the stack, the sheet directing apparatus may be operated so that belts 116 and rollers 112 and 114, move in the same direction as rollers 92 and at a similar speed. This will result in the stack passing through the intersection without a sheet being separated from the stack. It should be understood that while in the embodiment shown the sheet directing apparatus comprises a plurality of rolls having resilient surfaces thereon that move at a relative speed that is less than the speed ofthe moving stack, in other embodiments other types of stripping and separating devices may be used. These may include for example, resilient pads or rolls. Such devices may also include resilient suction cup type mechanisms or vacuum generating devices. Further alternative forms of sheet directing devices may include other physical members that engage selectively one or more sheets so as to direct them from path 46 into another path 42.

It should also be noted that in the exemplary embodiment shown in Figures 13, 14 and 23, sheets may be separated from a stack as the stack moves from right to left. However, in other embodiments it may be desirable to arrange the sheet directing apparatus so that sheets may be separated from a stack when the stack moves in either direction. This may be readily accomplished through arrangements of resilient rollers or other stripping devices or members which may be selectively actuated to engage and separate a sheet upon passage of a stack through an intersection. This configuration may have advantages in other embodiments where greater speed in sheet separation is desired.

As will be appreciated from the foregoing discussion, in some banking machines it may be desirable to process certain sheets individually. For example, if it is detennined that a sheet separated from a stack is a check or other negotiable instrument that must be transferred to the imaging device, or an invalid note or note of questionable validity that should be transported to a marking device, it may be desirable to clear a path which enables the sheet requiring such handling to be transported individually. This can be accomplished by disposing the stack of sheets that are not currently being processed individually away from the single sheet in first path 46. hi this manner the sheet requiring individual handling can be transferred to path 150 or such other location as may be necessary without causing the remaining stack to undergo transport to an undesirable location.

A further alternative to facilitate individual handling of particular sheets is represented by the alternative embodiment shown in Figure 19. hi this embodiment path 46 includes three separately controlled transport sections 164, 166 and 168. Transport section 164 is similar to the transport previously discussed, except that its belts terminate at rolls 170 and 172. Transport section 166 may include an interwoven belt transport similar to that shown in Figure 5 with the exception that its belts are offset from those in transport section 164. Transport section 166 may be driven by one or more independent reversible drives from transport section 164. The drive for transport section 166 is in operative connection with and operates under the control ofthe control circuitry.

Transport section 166 terminates in rolls 174 and 176. Rolls 174 and 176 are coaxial with other rolls that are spaced intermediate thereto that are part of transport section 168. Transport section 168 terminates at rolls 178 and 180 which are adjacent to a customer accessible opening indicated 182. Transport section 168 is operated by at least one independent reversible drive in response to the control circuitry.

Transport sections 166 and 168 along path 46 provide locations in which documents or stacks of documents may be temporarily stored as other documents are routed through intersections 60 and 76. After the necessary processing is done on the individual documents, the documents that are temporarily stored in the transport sections 166 and 168 may be moved to other transport sections for further processing. It should be understood that transport sections 166 and 168 include appropriate sensors for sensing the positions ofthe documents being temporarily stored therein which enables the control circuitry to coordinate movement thereof.

A further advantage ofthe exemplary embodiment described herein is that not only may the automated banking machine 10 accept individual documents and stacks of documents from a customer, but it may also accept conventional deposit envelopes. As shown in Figure 17 a thick sheet like deposit envelope 184 may be moved along path 46 from a customer. The identification ofthe deposited item as a deposit envelope may be made based on readings from sensors 126, 128 or 130 as shown in Figure 4, or alternatively or in addition based on customer inputs through one or more input devices at the customer interface 12 ofthe machine.

Deposit envelope 184 moves in transport path 46 in the direction of Arrow E as shown in Figure 17. Upon determining that the item moving in the transport path is a deposit envelope, the control circuitry operates the sheet directing apparatus 110 to direct the envelope into transport path 42. The control circuitry also enables roll 96 and belts 88 to move in the direction indicated by Arrow F. This causes the flight of belt 88 to move to the position shown in phantom in Figure 4. This enables the envelope to move into the depository device 40 (see Figure 3) in which it may be stacked in aligned relation with other envelopes. Further the control circuitry may also operate transport 118 and rolls 124 shown in Figure 4 to assure that envelope 184 does not pass further along sheet transport path 42 than the depository 40.

The ability ofthe embodiment ofthe automated banking machine to handle depository envelopes, stacks of sheets and individual sheets, provides enhanced functionality for the machine. The ability ofthe exemplary embodiment to accept thick items in the area of path 42 adjacent to the intersection, also enables the control circuitry to use the area adjacent to the intersection as a temporary storage location for stacks of sheets. This may be desirable in some embodiments where a receipt form is delivered on transport path 74 and must be directed to transport path 150 for printing thereon before being combined with a stack to be delivered to a customer.

The exemplary embodiment ofthe ATM has the capability of storing the assembled stack of sheets adjacent to intersection 60 in transport path 42 until such time as the printed receipt is moved into the intersection along first path 46. As the receipt form is produced by a document producing device and moved into the intersection 60 by transport section 100, the stack is moved into the intersection in coordinated relation therewith so that the printed receipt is assembled into the stack and positioned at the top side ofthe stack. The assembled stack may be moved along transport path 46 to the opening where it may be taken by the customer.

In some embodiments the ATM may also operate to provide certain types of documents in exchange for other documents. As previously discussed, some embodiments may receive checks or other instruments, validate the check, and provide the user with currency notes. In some embodiments, a user may provide notes to the ATM and receive other types of documents such as money orders, scrip, vouchers, gift certificates or bank checks. In some embodiments the control circuitry may operate in the manner previously discussed to store information concerning individual notes in a data store in correlated relation with information usable to identify the user who deposited the notes in the machine. Some embodiments may store in correlated relation with all or a portion of such data, information which identifies the check, money order or other document provided by the machine to the user. h some embodiments the ability of a single user to provide cash to the ATM may be controlled or limited to avoid money laundering or other suspect activities. For example, a user placing notes in the ATM to purchase money orders or other documents, may be required to provide at least one identifying input. This may include a biometric input such as a thumbprint for example. Such at least one identifying input may include data on a card or other device a user provides to operate the machine, or may be in lieu thereof or in addition thereto. Alternatively, some embodiments may enable use ofthe ATM to buy documents such as money orders, gift certificates or other documents without using a card or similar device to access the machine, hi some cases a user may exchange notes of certain denominations for notes of other denominations. In such cases the control circuitry may require at least one identifying input from the user requesting to exchange cash for other documents.

The control circuitry may operate in accordance with programmed instructions and parameters to limit the number or value of documents a user may purchase or otherwise receive. This may include comparing user identifying data with data input in connection with prior transactions. This may be done by comparing user input data stored in a data store at the particular ATM, and/or data stored in computers connected to the ATM. By limiting the number or value of documents a user can purchase with cash, either overall, for a particular document or within a given time period, the risk of illegal activities such as money laundering can be minimized. Further such systems may more readily enable funds to be tracked.

An alternative embodiment of an automated banking machine is indicated 186 in Figure 22. Machine 186 is similar to machine 10 except that it includes two fascias and customer interfaces designated 188 and 190. Machine 186 is capable of operation by two users generally simultaneously. The sheet handling mechanism for machine 186 is indicated 192 in Figure 21. The sheet handling mechanism 192 is similar to that described in the first embodiment, except as otherwise noted. Mechanism 192 includes a first customer accessible opening 194 in customer interface 190, and a second customer accessible opening 196 in customer interface 188. Customer opening 196 receives and delivers sheets through a transport section 197. Transport section 197 is preferably an interwoven belt type transport ofthe type shown in Figure 5 and is capable of moving sheets, envelopes and stacks of sheets in engagement therewith. Transport section 197 is operated by a reversible drive similar to the reversible drives used for the other belt transport sections, and is in operative connection with the confrol circuitry ofthe machine. The operation ofthe alternative sheet handling mechanism 192 is similar to that previously described except that the sheets, envelopes or stacks of sheets that are processed may be received from or delivered to either customer opening 194 or customer opening 196. Because ofthe high speed capability ofthe exemplary embodiment, it is possible for the sheet handling mechanism 192 to adequately service two users simultaneously without undue delay.

As will be appreciated from the foregoing description, the modifications necessary for the sheet handling mechanism ofthe first embodiment to accommodate two simultaneous users is relatively modest, h the exemplary embodiment it is possible to increase the number of customer interfaces on the machine from one to two at a relatively small cost. This is particularly advantageous for an automated teller machine positioned in a high customer traffic area. It is also useful for automated banking machines, such as those used by tellers to count and dispense currency notes. This is because the configuration ofthe sheet handling mechamsm enables two tellers or other personnel to be serviced by a single machine.

Exemplary embodiments may operate to assure operation in accordance with the principles of U.S. Patent No. 6,315,194, the disclosure of which is incorporated by reference as if fully rewritten herein.

Figure 24 shows schematically an exemplary system 200 and the steps in an associated method for handling documents such as notes of questionable validity or invalid documents or notes that have been received by an automated banking machine 202. Banking machine 202 may be similar to ATMs 10 or 186 previously described or may have a different construction. In the exemplary embodiment the automated banking machine includes an assessing device for assessing the validity of documents such as notes that are deposited by a user into the machine in the course of one or more transactions. The assessing device operates as previously described in connection with a controller, control circuitry or other devices in the machine to identify documents of questionable validity and/or invalid documents.

As can be appreciated from the description herein and the incorporated disclosure, some notes that are deposited in the machine may be determined to be invalid such as a clearly counterfeit note or other document that is not a note. Other documents that are deposited in the machine may be determined tlirough operation ofthe assessing device to be more likely than not to be valid notes, but which nonetheless do not qualify as documents which the machine accepts as unquestionably valid. Of course it should be appreciated that the determination as to what parameters qualify a particular note or other type of document in the machine as unquestionably valid, of questionable validity or invalid may in some embodiments be set by the operator ofthe machine and/or by appropriate authorities within the jurisdiction in which the machine is operated.

In an exemplary embodiment the automated banking machine 202 operates to accept documents of questionable validity, but marks such documents with at least one removable mark so that each document may be tracked and later further assessed as valid or invalid, hi the exemplary embodiment ofthe system 200 shown in Figure 24, the machine 202 communicates through a network 204 with one or more computers which are remotely located. Such remote computers may include computers located at a bank, financial institution or other source of monetary value schematically indicated 206. A user operating the exemplary ATM 202 generally identifies themselves or an account in the manner previously discussed and conducts transactions which may include presenting or receiving documents such as notes. When a user conducts a transaction on an account, the ATM 202 communicates messages through the network 204 to one or more bank computers 206 to authorize and record the transaction. Such transactions generally have associated indicia which is stored at the ATM, the bank or other computers in the network, for purposes of documenting the transaction and settling accounts between users, machine operators, banks and other entities that may be involved in transactions that are conducted. One or more indicators which may be associated with a transaction may include a unique transaction number associated with a particular transaction in which a document is presented. The transaction number may correspond to a transaction at a particular date, time, and ATM. Alternatively or in addition an indicator associated with the transaction may include information on the account ofthe user or other entity on whose behalf the transaction is conducted. Alternatively or in addition an indicator associated with the transaction may include biometric or other data concerning the particular individual conducting the transaction or having the account. Of course indicators may comprise combinations of such information as well as data from other sources. h an exemplary embodiment when the ATM 202 receives a document which is assessed as being of questionable validity, the control circuitry which is alternatively referred to herein as a controller or processor operating in the ATM, is operative to associate such one or more indicators with the transaction. Further in the exemplary embodiment of a system 200, the control circuitry is operative to cause the ATM to communicate through the network with the appropriate bank 206 to grant a credit to the user for having provided a valid document to the machine. In some embodiments one or more computers at the bank or otherwise connected to the network may further receive from the controller in the ATM an indication that the machine has received the questionable document from the particular user that requires subsequent assessment. Alternatively or in addition the ATM may provide further information about the questionable document for which a credit has been given. Such information may include for example a serial number from the document, an image ofthe document or other identifying information related to the particular document which enables the document to be uniquely identified. Other information may include transaction information corresponding to a particular account, date, time, and ATM. h some embodiments the credit that a user or account receives related to a document of questionable validity may be specifically indicated by the controller in the ATM, the bank or both, as being a provisional credit which may be revoked if the document is not later verified as valid. Alternatively in some embodiments the credit granted for a document of questionable validity may be the same as that granted for documents assessed as being of unquestionable validity.

In the exemplary embodiment documents assessed as of questionable validity in the ATM are moved in the ATM to a marking device such as printing device 70. The printing device is operative to place a mark on the document that is of questionable validity, h the exemplary embodiment the marking device is operative responsive to the control circuitry ofthe ATM to mark the document with a removable mark. The removable mark in some exemplary embodiments may comprise removable ink which can be subsequently removed from a document without damaging the inks or other features that are normally required to be on the document. Alternatively the marking device may apply a removable label, sticker or other subsequently removable item to the document which identifies the particular document as of questionable validity. The marking of a document may also comprise generating unique identifying information which corresponds to a particular unacceptable document, such as corresponding to a serial number on a currency note. The particular document can be kept separated. The document information can be of a suitable format, e.g., digital images, permitting storage thereof in computer memory. The stored document infonnation may be comparable to information in a database to check for improprieties. For example, a serial number on a currency note may match a serial number in a database watch list. Other comparisons may show that the serial number matches a document that was aheady destroyed. Other comparisons involving computers in real time may show that the serial number matches a document currently in another ATM. The comparing may involve a global computer network capable of accurately tracking currency in the domain of banks, governments, etc.

In some exemplary embodiments the removable mark includes at least a portion ofthe indicator associated with the transaction. As previously discussed such indicators may include all or portions ofthe unique transaction number, account number, user identifying data, biometric data or other data which is suitable for use by the system. In the exemplary embodiment the indicator provides specific information so that the particular document can be later identified and the particular user or entity on whose behalf the document has been placed in the machine can later be notified and any credit granted for the document revoked if the document is later determined not to be valid.

In some exemplary embodiments the marking device is operative to mark documents assessed as having questionable validity with a mark comprising visible inks which are visible to users under ambient lighting conditions. Alternatively or in addition marks applied to documents may comprise nonvisible ink or similar materials. In some exemplary embodiments the removable mark may comprise a removable ink which is visible or detectable only when exposed to radiation within a certain frequency range. This may include for example exposure to concentrated ultraviolet light, infrared light or other frequencies. Alternatively or in addition the markings may be comprised of machine readable indicia such as bar code or other indicia corresponding to biometric or other data. Of course it should be understood that these approaches are exemplary and in other embodiments other types of removable marks and indicators may be used.

In operation ofthe exemplary ATM 202 documents of questionable validity after being marked with the removable mark, are stored in a first storage location in the machine. The first storage location in the exemplary embodiment is a location for storing documents which have been marked and is a different location than the storage locations which are used to store documents that have been assessed as valid. Thus for example in an exemplary embodiment documents that are received by the machine from a user in the course of a first transaction which are assessed as being of questionable validity are marked with the removable mark and placed in a first storage location. Other documents which are assessed as valid are stored in one or more appropriate second storage locations. As a result a document stored in the second location may be later dispensed from the machine to another user in the course of a second transaction in which the subsequent user requests the dispense of such a document.

In some embodiments the removable mark applied to documents of questionable validity is such that the documents may be subsequently assessed or later discussed without removal ofthe mark. This may include for example marking the documents in locations that do not change or obscure security features or other aspects ofthe documents that must be assessed to determine validity. Alternatively the marking may be applied in ink or color of a particular type that does not interfere with a subsequent assessing operation with the removable mark still in place. Of course in other embodiments other approaches may be used.

In exemplary ATM 202 documents that are assessed as invalid by the assessing device are captured by the machine. For such documents the control circuitry and other connected computers do not operate to give the user or account holder any credit for such documents. In addition the exemplary ATM 202 includes a device for applying a permanent mark to documents assessed to be invalid. As previously discussed such marking devices for applying a permanent mark may include printing devices which apply a permanent ink or other material to the invalid document. Alternatively the invalid documents may be totally or partially torn, punched or otherwise mutilated so as to be sure that they will not be readily placed in circulation. In some embodiments information concerning the invalid documents may be passed by the machine to the network 204 and to the bank 206. The bank may thereafter communicate through one or more communication systems 208 to the proper authorities 210 for purposes of investigating the circumstances and the source ofthe invalid documents. Such information may include images of documents, information about the particular user or account associated with deposit ofthe document, or other information that will facilitate the investigation ofthe source and/or circumstances surrounding the particular document. Of course such an invalid document may also be stored in an appropriate storage location in the machine for purposes of tracking and later transmission to the authorities who investigate the circumstances related to the presentation ofthe invalid document. Of course this approach is exemplary and in other embodiments other approaches may be used.

As schematically indicated in Figure 24 in the exemplary system 200 documents of questionable validity indicated 212 are removed from the ATM machine and transported to an assessing operation schematically indicated 214. In some embodiments documents assessed to be invalid as well as documents assessed to be of questionable validity may be transported to the assessing operation.

It should be appreciated that while the assessing operation 214 ofthe exemplary embodiment is shown as indicated remotely from the ATM machine, in some embodiments the assessing operation may be conducted adjacent to or even within the automated banking machine.

In the exemplary assessing operation notes of questionable validity are subject to an assessing activity schematically indicated 216. It should be appreciated that the assessing activity 216 may involve machine sensing as well as human sensing ofthe particular document. As schematically represented by document 218, in the assessing activity the document is preferably assessed for validity with the removable mark 220 remaining in place thereon. As previously discussed this is facilitated in some embodiments by locating the removable mark in an area which does not include significant security features or by providing the removable mark in an ink or other material that does not interfere with assessing the validity ofthe document. Of course these approaches are exemplary and in other embodiments other approaches may be used.

During the assessing activity, the note or other document of questionable validity is reviewed again to determine whether the document is valid or invalid. In an exemplary embodiment where the document is determined to be valid, the assessing activity through the operation of one or more computers, processors or other devices, communicates messages to the bank 206 and confirms that the particular document is valid. This is represented schematically by a function 222. In response to confirmation that the particular document is valid, the bank 206 or other appropriate entities may take action to remove the provisional nature ofthe credit previously associated with the deposit ofthe document. Of course as previously discussed in alternative embodiments such confirmation may not be necessary as no provision is made to make the credit provisional. In the exemplary embodiment the assessing operation is operative to remove the removable marks from the notes assessed as valid. This is represented by a function 224. The removal ofthe mark may include the washing and drying of notes with appropriate materials so as to remove the removable mark while not damaging the particular document. This may include for example washing the note with a water-based material and drying the note so as to remove the mark. Alternatively in situations where removable labels or other items have been applied such items are removed in the course of function 224. Of course in some embodiments particularly in cases where the mark is not visible to the naked eye, it may not be necessary to remove the removable mark from the particular document. Whether the removable mark is removed will depend on the particular system, the nature of the mark and the requirement ofthe particular entity operating the system or the authorities responsible for the document. The exemplary assessing operation also includes a fitness assessment function schematically indicated 226. The fitness assessment function in the exemplary embodiment is operative to review the document to determine if its character is such that it should be returned to general circulation or transferred to appropriate authorities to be removed from circulation. For example in the case of cunency notes that are worn or permanently marked or disfigured, it may be appropriate to deliver such notes for destruction to a central bank or other authority. This will generally avoid further circulation ofthe note and the need to conduct subsequent analysis in the event that the note should again be presented and assessed to be of questionable validity. Alternatively as schematically represented in Figure 24, if the document is determined through the fitness assessing function 226 to be suitable to return to circulation, the document is routed to the operations ofthe bank or other entity responsible for the assessing operation and may be returned to circulation. This may include for example placing the document in a cassette or other container that may be returned to an automated banking machine at which the document may be dispensed in the course of subsequent transactions.

In the exemplary assessing operation 214 if the document is determined to be invalid during accessing activity 216, notice is given to the bank or other entity to revoke the provisional or regular credit. This is represented by a function 228. In the exemplary embodiment the assessing operation is operative to communicate tlirough one or more computers or processors with the bank 206 that the particular document has been assessed as invalid, hi response to receiving such notice, the bank operates to revoke the credit that has been given to the particular user or account holder responsible for presenting the document. Because the particular user may face problems with their account if they are not made aware that the credit for the document has been revoked, in the exemplary embodiment the bank 206 notifies the user or account holder that the provisional credit has been revoked. This step is schematically represented 230.

When a document has been determined to be invalid, it may also be appropriate for the bank or other entity to notify the appropriate authorities 210 ofthe nature ofthe transaction and/or the invalid document. As schematically represented in Figure 24, in situations where the document is assessed as invalid, the document is maintained with the marking thereon as represented schematically by a function 232. The document may be maintained with the removable marking thereon and appropriately segregated to avoid any tampering or subsequent distribution ofthe particular document except to the proper authorities. This may facilitate maintaining an accurate chain of custody for purposes of conducting an investigation of the user or the particular circumstances under which the invalid document was presented to the machine. For example authorities responsible for investigating instances of counterfeit currency may need to obtain the marked document and information related to the transaction and the user for purposes of investigating illegal activity. Although the exemplary system 200 has been described in connection with documents of questionable validity, such a system may also be used with documents assessed to be invalid. For example documents assessed as invalid by the ATM 202 may nonetheless be reassessed in the assessing operation for purposes of determining if in fact the document is valid. Alternatively in some embodiments documents assessed as invalid may also be marked with a removable mark rather than a permanent mark. Likewise in some embodiments all documents of questionable validity or invalid maybe marked with permanent markings. Such markings may be desirable in some circumstances as documents that cannot be assessed as valid may be appropriately marked so as to remove them from circulation. If a document originally assessed as clearly invalid is determined through an assessing operation to in fact be valid, appropriate messages may be sent to the bank or other entities to indicate to the user, account holder or other authorities, that the document was detennined to be valid.

It should be understood that system 200 is exemplary and in other embodiments other approaches, devices and method steps may be utilized. Thus the exemplary embodiment of an automated banking machine and associated methods ofthe present invention achieves at least some ofthe above stated objectives, eliminates difficulties encountered in the use of prior devices and systems, solves problems and attains the desirable results described herein.

In the foregoing description certain terms have been used for brevity, clarity and understanding. However, no unnecessary limitations are to be implied therefrom because such terms are used for descriptive purposes and are intended to be broadly construed. Moreover the descriptions and illustrations given are by way of examples and the invention is not limited to the exact details shown or described. hi the following claims any feature described as a means for performing a function shall be construed as encompassing any means known to those skilled in the art to be capable of performing the recited function, and not mere equivalents ofthe particular means described in the foregoing description. The inclusion of an Abstract shall not be deemed to limit the claimed invention to the features described in such Abstract.

Having described the features, discoveries and principles ofthe invention, the manner in which it is constructed and operated, and the advantages and useful results attained; the new and useful structures, devices, elements, arrangements, parts, combinations, systems, equipment, operations, methods and relationships are set forth in the appended claims.

Claims

CLAIMS I claim:

1. An automated banking machine comprising:

a housing including an opening adapted to accept into the machine a stack of sheets, the stack including both currency notes and checks;

a separating mechanism in the machine wherein the separating mechamsm separates the sheets individually from the stack;

an imaging device operative to produce an electronic representation of at least a portion of checks that have been separated from the stack;

a validating device operative to assess the validity of notes that have been separated from the stack;

a note handling mechanism operative to store notes assessed as valid through operation of the validating device.

2. The machine according to claim 1 and further comprising:

a cancellation device wherein the cancellation device is operative to mark checks that have been placed in the machine.

3. The machine according to claim 2 wherein the machine further comprises a check storage location, and wherein the machine is operative to store in the check storage location in the machine, checks that have been marked by the cancellation device.

4. The machine according to claim 1 wherein the machine further comprises a delivery device and wherein the delivery device is operative to deliver checks that have been marked by the cancellation device out ofthe machine through the opening.

5. The machine according to claim 1 wherein the note handling mechanism includes a note storage location, and wherein the note handling mechanism is operative to selectively store and dispense notes from the note storage location.

6. The machine according to claim 5 wherein the machine includes a plurality of note handling mechanisms, wherein each note handling mechanism is operative to store and dispense a different denomination of note.

7. The machine according to claim 1 wherein the machine includes a plurality of note handling mechanisms, wherein at least one of the note handling mechanisms is operative to dispense notes.

8. The machine according to claim 7 wherein at least one note handling mechanism is operative to both store and dispense notes.

9. The machine according to claim 8 wherein at least one note handling mechanism is operative to store but not dispense notes.

10. The machine according to claim 8 and further comprising at least one note dispensing mechanism that is not operative to receive notes.

11. The machine according to claim 1 and further comprising a stack assembly mechamsm, wherein the stack assembly mechanism is operative to produce an assembled stack from individual documents housed in the machine.

12. The machine according to claim 11 wherein the assembled stack is delivered out ofthe machine through the opening.

13. The machine according to claim 12 and further comprising a cancellation device operative to mark checks that have had electronic images produced through operation ofthe imaging device, and wherein the stack assembly mechamsm is operative to include checks in the assembled stack.

14. The machine according to claim 13 and further comprising at least one note dispensing mechanism, and wherein the machine is operative to dispense at least one note in response to receipt of a check, and wherein notes dispensed responsive to receipt ofthe check and the marked check are included in the assembled stack responsive to operation ofthe stack assembly mechanism.

15. The machine according to claim 14 and further comprising a receipt producing device, wherein receipts produced by the receipt producing device are included in the assembled stack responsive to operation ofthe stack assembly mechanism.

16. The machine according to claim 1 and further comprising at least one input device, wherein the at least one input device is operative to receive at least one input usable to identify a user ofthe machine.

17. The machine according to claim 1 wherein the machine includes at least one note dispensing device, wherein the machine is operative to deliver notes through the opening.

18. The machine according to claim 17 and further comprising a stack assembly mechanism, wherein the stack assembly mechanism is operative to place notes to be dispensed from the machine in an assembled stack prior to delivering the notes through the opening.

19. The machine according to claim 18 and further comprising a document producing device, wherein the document producing device produces documents, and wherein the stack assembly mechanism is operative to include documents produced by the document producing device in the assembled stack.

20. The machine according to claim 19 wherein the document producing device is operative to produce receipts for transactions conducted at the machine.

21. The machine according to claim 19 wherein the document producing device is operative to produce checks.

22. The machine according to claim 19 wherein the document producing device is operative to produce money orders.

23. The machine according to claim 22 wherein the machine comprises at least one input device, wherein the at least one input device is operative to receive at least one input usable to identify a user ofthe machine, and wherein the machine is operative to limit the value of money orders provided to a particular user ofthe machine.

24. The machine according to claim 16 wherein the validating device is operative to identify at least one individual note separated from the stack, and wherein the machine is operative to store in a data store data corresponding to the at least one individual note and data usable to identify the user providing the at least one individual note to the machine.

25. The machine according to claim 24 wherein the at least one individual note comprises a suspect note.

26. The machine according to claim 25 wherein the machine further comprises a suspect note storage location, and wherein the machine is operative to cause the suspect note to be stored in the suspect note storage location.

27. The machine according to claim 24 wherein the validating device is operative to identify the at least one individual note by determining a serial number on the note.

28. The machine according to claim 27 wherein the machine includes a data store including note serial numbers, and wherein the machine is operative to compare a serial number on the at least one individual note to data representative ofthe note serial number stored in the data store.

29. The machine according to claim 28 wherein the machine is operative to include in the data store data representative of serial numbers of notes accepted in the machine.

30. The machine according to claim 29 wherein the machine is operative to compare serial numbers of notes in the assembled stack, the serial numbers of notes previously accepted by the machine.

31. The machine according to claim 30 wherein the note handling device is further operative to dispense notes from the machine, and wherein the machine is operative to indicate in the data store the serial numbers of notes corresponding to notes dispensed from the machine.

32. The machine according to claim 16 and further comprising a document producing device, wherein the document producing device is operative to produce documents in exchange for notes input to the machine, and wherein the machine is operative to deliver the documents out ofthe housing.

33. The machine according to claim 32 wherein the documents comprise money orders.

34. The machine according to claim 32 and further comprising a data store, wherein the data store is operative to store data usable to identify a user receiving documents in exchange for notes input to the machine.

35. The machine according to claim 34 wherein the machine is operative to limit the documents an individual user can receive in exchange for notes input to the machine.

36. The machine according to claim 35 wherein the machine is operative to limit the value of documents an individual can receive in exchange for notes input to the machine.

37. The machine according to claim 34 wherein the at least one input device comprises a device for receiving a biometric input.

38. The machine according to claim 33 and further comprising a receipt producing device, and wherein the machine is operative to deliver a receipt produced by the receipt producing device for the money orders and to deliver such receipts out ofthe housing.

39. The machine according to claim 38 and further comprising a stack assembly mechanism, wherein the stack assembly mechanism is operative to include a money order produced by the document producing device and a receipt produced by the receipt producing device in an assembled stack in the machine.

40. The machine according to claim 39 wherein the assembled stack is delivered out ofthe machine through the opening.

41. A method comprising:

(a) receiving a stack of sheets including notes and checks into an automated banking machine tlirough an opening in the housing of the machine;

(b) separating each ofthe sheets from the stack with a separating mechanism in the machine;

(c) producing with an imaging device data corresponding to an image of at least a portion of a check separated from the stack;

(d) assessing with a validating device the validity of at least one note separated from the stack; (e) accepting in the machine notes assessed as valid by the validating device.

42. The method according to claim 41 and further comprising:

(f) marking the at least one check with a cancellation device subsequent to step (e).

43. The method according to claim 42 and further comprising:

delivering the at least one marked check out ofthe housing.

44. The method according to claim 41 and further comprising dispensing cash from the machine in response to the receipt ofthe at least one check by the machine.

45. The method according to claim 43 and prior to step (g) further comprising:

assembling notes and the at least one marked check into an assembled stack within the machine;

wherein in step (g) the check is delivered from the machine in the assembled stack.

46. The method according to claim 41 wherein in step (e) the at least one note is stored in a note handling device that is selectively operative to store and dispense notes, and further comparing:

dispensing the at least one note from the note handling device.

47. The method according to claim 46 and further comprising:

(f) assembling a plurality of notes dispensed by the note handling device into an assembled stack in the machine; and

(g) delivering the assembled stack from the machine to the opening.

48. The method according to claim 47 wherein the machine includes a document producing device, and further comprising prior to step (g):

producing a document with the document producing device;

placing the document in the assembled stack;

wherein in step (g) the produced document is delivered from the machine in the assembled stack.

49. The method according to claim 48 wherein the document produced by the document producing device comprises a receipt.

50. The method according to claim 48 wherein the document produced by the document producing device comprises a money order.

51. The method according to claim 48 wherein the document produced by the document producing device comprises a check.

52. The method according to claim 41 and further comprising receiving at least one input through at least one input device in the machine usable to identify a user ofthe machine.

53. The method according to claim 52 and further comprising:

determining through operation ofthe machine a serial number of a note received in the machine.

54. The method according to claim 53 and further comprising:

storing in at least one data store data usable to identify the user ofthe machine and the serial number of at least one note received into the machine from the user.

55. The method according to claim 52 wherein in step (d) a note is assessed as suspect, and further comprising storing in a data store data usable to determine the identity of a user providing the suspect note to the machine.

56. The method according to claim 55 and further comprising determining a serial number of the suspect note and storing in the data store, data conesponding to the serial number.

57. The method according to claim 52 and further comprising:

(f) determining a serial number of at least one note received by the machine;

(g) storing data representative ofthe at least one serial number in a data store.

58. The method according to claim 57 and further comprising:

(h) comparing through operation ofthe machine at least one serial number of a note received by the machine to data corresponding to note serial numbers stored in the data store.

59. The method according to claim 58 and further comprising:

providing an indication that the serial number of a note received by the machine matches a serial number stored in the data store.

60. The method according to claim 57 and further comprising:

(h) dispensing a note from the machine;

(i) including an indication in the data store of a serial number ofthe note that has been dispensed from the machine.

61. The method according to claim 60 and further comprising:

including in the data store data usable to determine the user of the machine to whom the note is dispensed in step (h).

62. The method according to claim 57 and further comprising:

(h) dispensing a note from the machine; (i) deleting data corresponding to the serial number ofthe dispensed note from the data store.

63. The method according to claim 57 and further comprising:

(h) producing at least one of a check or money order in the machine through operation of a document producing device responsive to at least one note received in the machine;

(i) delivering at least one of a check or money order to a user ofthe machine through the opening.

64. The method according to claim 63 and further comprising:

storing in conelated relation in a data store identifying data indicative ofthe at least one delivered check or money order with data usable to identify a particular user ofthe machine to whom the at least one check or money order is delivered in step (i).

65. The method according to claim 63 and further comprising:

limiting the value ofthe at least one check or money order delivered from the machine to a particular user in exchange for notes received by the machine from the user.

66. The method according to claim 64 and further comprising: (j) determining at least one serial number of at least one note received by the machine in exchange for the check or money order;

(k) storing data conesponding to the at least one serial number in a data store in correlated relation with the data usable to determine the identity of a user ofthe machine receiving the check or money order.

67. The method according to claim 63 and prior to step (i) further comprising:

producing a receipt with a receipt producing device in the machine;

assembling the receipt and the at least one check or money order into an assembled stack tlirough operation of a stack assembly mechanism in the machine;

wherein in step (i) the at least one check or money order is delivered from the machine in the stack.

68. A method comprising:

(a) receiving at least one note into an automated banking machine;

(b) assessing the at least one note with a validating device in the machine; (c) storing in a data store in the machine, data usable to identify the at least one note and the user from whom the at least one note was received.

69. The method according to claim 68 wherein step (b) includes detennining a serial number on the at least one note and wherein step (c) includes storing data conesponding to the serial number.

70. The method according to claim 69 and further comprising prior to step (c);

(d) comparing the serial number ofthe at least one note to data conesponding to at least one serial number previously stored in the data store.

71. The method according to claim 70 wherein the at least one serial number previously stored comprises serial numbers of counterfeit notes.

72. The method according to claim 70 wherein the at least one serial number previously stored in the machine comprises serial numbers of notes already stored in the machine.

73. The method according to claim 72 and further comprising taking at least one action if the serial number ofthe at least one note received by the machine matches the serial number of another note already stored in the machine.

74. The method according to claim 68 wherein in step (b) the at least one note is assessed for validity, and wherein in step (c) the data usable to identify the user is stored responsive to determimng in step (b) that the at least one note is of suspect validity.

75. The method according to claim 68 and further comprising:

(d) receiving at least one input from the user to at least one input device on the machine;

wherein in step (c) the data usable to identify the user conesponds to the at least one input.

76. The method according to claim 75 wherein in step (d) the at least one input comprises reading data from a card.

77. The method according to claim 75 wherein in step (d) the at least one input comprises a biometric input.

78. The method according to claim 75 and further comprising:

(e) receiving a request from the user to have the machine provide to the user at least one non-cash document redeemable for value in exchange for the at least one note; and

(f) providing the at least one document from the machine.

79. The method according to claim 78 and prior to step (f);

(g) determining through operation ofthe machine whether fulfilling the request by the user received in step (e) will result in the user receiving non-cash documents redeemable for value in excess of a number or value;

and executing (f) only if in step (g) it is determined that fulfilling the request by the user will not result in the user receiving non-cash documents in excess ofthe number or value.

80. The method according to claim 79 wherein in step (g) the determination of whether fulfilling the request will result in the user receiving documents in excess of a number of value includes evaluation of at least one prior transaction resulting in the user receiving non-cash documents in exchange for notes in a prior transaction.

81. The method according to claim 80 wherein in step (g) it is determined if the user would receive as a result of fulfilling the request in step (e), documents in excess of a particular value in exchange for notes within a given time period.

82. The method according to claim 78 and further comprising:

storing in the data store data usable to identify the at least one non-cash document redeemable for value, in correlated relation with the data usable to identify the user.

83. The method according to claim 79 wherein in step (f) the document comprises a money order.

84. The method according to claim 79 wherein in step (f) the document comprises a gift certificate.

85. The method according to claim 79 wherein in step (f) the document comprises a check.

86. Computer software operative in at least one computer in an automated banking machine, wherein the computer software is operative to cause the machine to carry out the method step recited in claim 68.

87. A method comprising:

(a) assessing validity of a document through operation of an automated banking machine;

(b) responsive to the document being assessed to be of questionable validity in step (a), marking the document with at least one removable mark through operation ofthe machine.

88. The method according to claim 87 and further comprising:

conducting a fransaction with the automated banking machine, wherein in the transaction the document is placed in the machine.

89. The method according to claim 88 and further comprising:

associating an indicator with a transaction through operation ofthe machine, wherein in step (b) the at least one removable mark includes at least a portion ofthe indicator.

90. The method according to claim 89, wherein the indicator comprises a transaction number.

91. The method according to claim 89, wherein the transaction is conducted on an account, and wherein the indicator is associated with the account.

92. The method according to claim 89, wherein the transaction is conducted by a user, and wherein the indicator is associated with the user.

93. The method according to claim 89, wherein the indicator comprises machine readable indicia.

94. The method according to claim 93, wherein the indicator comprises a bar code.

95. The method according to claim 87, wherein in step (b) the at least one removable mark comprises removable ink.

96. The method according to claim 95, wherein the removable ink comprises visible ink.

97. The method according to claim 95, wherein the removable ink comprises nonvisible ink.

98. The method according to claim 95, wherein the removable ink comprises ink only visible when exposed to radiation within a particular frequency range.

99. The method according to claim 98, wherein removable ink comprises ink that is only visible when exposed to radiation in the UN range.

100. The method according to claim 87, wherein in step (b) the at least one removable mark comprises at least one removable label.

101. The method according to claim 87 and further comprising:

subsequent to step (b) storing the document in at least one first location in the machine.

102. The method according to claim 87 and further comprising:

(c) assessing the validity of at least one further document for validity through operation ofthe machine;

(d) storing the at least one further document in the machine without marking the at least one further document, responsive to the at least one further document being assessed as valid in step (c).

103. The method according to claim 102, wherein in step (d) the at least one further document is stored in at least one second location different from the first location.

104. The method according to claim 103, wherein a first transaction conducted by a first user with the machine comprises steps (a) through (d) and further comprising:

conducting a second transaction for a second user through operation of the machine, wherein the second transaction comprises dispensing the at least one further document from the machine to the second user.

105. The method according to claim 101, and further comprising subsequent to step (b):

(c) assessing the document for validity;

(d) removing the at least one removable mark from the document responsive to the document being assessed as valid in step (c).

106. The method according to claim 105 and prior to step (c) removing the document from the machine, wherein step (c) is performed outside of the machine.

107. The method according to claim 105, wherein the at least one removable mark comprises removable ink, and wherein step (d) comprises removing the ink.

108. The method according to claim 107, wherein the at least one removable mark comprises washable ink, and wherein step (d) comprises washing and drying the document.

109. The method according to claim 91 and subsequent to step (b) further comprising:

(c) assessing the document for validity;

(d) reading the indicator; (e) notifying a holder of the account of invalidity of the document responsive to determining in step (c) that the document is invalid.

110. The method according to claim 92, and subsequent to step (b) further comprising:

(c) assessing the document for validity;

(d) reading the indicator;

(e) notifying the user of invalidity of the document responsive to determining in step (c) that the document is invalid.

111. The method according to claim 90 and further comprising:

(c) removing the document from the machine;

(d) and subsequent to step (c) assessing the validity ofthe document outside ofthe machine;

(e) reading the transaction number;

(f) notifying a person responsible for the transaction of the invalidity ofthe document responsive to determining in step (d) that the document is invalid.

112. The method according to claim 101 and further comprising:

(c) removing the document from the machine; (d) assessing the document for validity outside ofthe machine;

(e) maintaining the at least one removable mark on the document responsive to determining in step (d) that the document is invalid.

113. The method according to claim 87 wherein the document comprises a cunency note.

114. The method according to claim 113 wherein in step (b) the document is marked responsive to the machine being unable to determine that the cunency note is genuine.

115. The method according to claim 114 and further comprising:

granting a user presenting a document to the machine a credit for the document;

storing the document in the machine.

116. The method according to claim 115 and further comprising:

(c) removing the document from the machine;

(d) subsequent to step (c) assessing the document for validity;

(e) revoking the credit responsive to determining in step (d) that the document is not valid.

117. The method according to claim 87 and further comprising: (c) assessing validity of another document through operation of the machine;

(d) responsive to the another document being assessed to be invalid in step (c), marking the another document with at least one permanent mark through operation ofthe machine.

118. The method according to claim 117 and further comprising:

(e) storing the another document in a storage location in the machine.

119. The method according to claim 117 and prior to step (c), receiving the another document from a user ofthe machine, and subsequent to step

(d) delivering the document from the machine to the user.

220. The method according to claim 114 wherein the automated banking machine comprises an ATM adapted to receive a currency note deposit.

121. A method comprising:

(a) determining with an automated banking machine a document to have a validity unacceptable to the machine;

(b) generating unique identifying information relating to the document with the machine, wherein the information conesponds to a readable indicating mark on the document.

122. The method according to claim 121 and further comprising: (c) marking the document thereon with the readable mark with the machine.

123. The method according to claim 122 wherein (c) includes marking the document with at least one removable mark.

124. The method according to claim 122 wherein (c) includes marking the document with at least one permanent mark.

125. The method according to claim 121 wherein the document comprises a currency note.

126. The method according to claim 125 wherein in (b) the mark corresponds to a serial number on the currency note.

127. The method according to claim 123 wherein the document comprises a currency note, and wherein in (c) the currency note is marked responsive to the machine being unable to detennine that the currency note is genuine.

128. The method according to claim 127 wherein the automated banking machine comprises an ATM adapted to receive a cunency note deposit.

129. A method comprising:

(a) identifying an unacceptable cunency note within an ATM;

(b) marking the cunency note within the ATM for unique identification.

130. The method according to claim 131 wherein prior to (a), receiving the currency note into the ATM as a deposit.

131. The method according to claim 130 wherein step (b) includes marking the document thereon with at least one removable readable mark.

132. Apparatus comprising:

an automated banking machine including at least one assessing device adapted to assess validity of a document in the machine, and at least one marking device, wherein the marking device is adapted to mark a document with at least one removable mark responsive to the document being assessed to be of questionable validity.

133. The apparatus according to claim 132, wherein the automated banking machine includes at least one receiving device adapted to receive the document from a user, and at least one transport operative to move the document in the machine from the receiving device to the assessing device.

134. The apparatus according to claim 133, and further comprising at least one storage location in the machine, wherein the marked document is stored in the at least one storage location in the machine.

135. The apparatus according to claim 132, and further comprising control circuitry, wherein the control circuitry is operative to associate at least one indicator with a transaction in which the document is assessed, and wherein the removable mark includes at least a portion ofthe indicator.

136. The apparatus according to claim 135, wherein the indicator comprises at least one of a transaction number, account number, bar code and indicia conesponding to a biometric feature. .

137. The apparatus according to claim 132, wherein the removable mark comprises removable ink.

138. The apparatus according to claim 132, wherein the removable mark comprises visible ink.

139. The apparatus according to claim 137 wherein the removable ink comprises ink visible only when exposed to light in a certain frequency range.

140. The apparatus according to claim 132 wherein the removable mark comprises a removable label.

141. The apparatus according to claim 132 wherein the at least one marking device is adapted to mark another document with at least one permanent mark responsive to the another document being assessed as invalid responsive to operation ofthe assessing device.

142. Apparatus comprising:

an automated banking machine including

at least one assessing device, wherein the at least one assessing device is adapted to determine a document validity unacceptable to the machine, an information generating device, wherein the information generating device is adapted to generate unique identifying information relating to a document response to the document being unacceptable to the machine, wherein the information conesponds to a readable indicating mark on the document.

143. The apparatus according to claim 142 wherein the information generating device is adapted to mark the unacceptable document thereon with the readable mark.

144. The apparatus according to claim 143 wherein the information generating device is adapted to mark the unacceptable document thereon with at least one removable mark.

145. The apparatus according to claim 143 wherein the information generating device is adapted to mark the unacceptable document thereon with at least one permanent mark.

146. The apparatus according to claim 142 wherein the at least one assessing device is adapted to determine a cunency note validity unacceptable to the machine.

147. The apparatus according to claim 146 wherein the information conesponds to a serial number on the currency note.

148. The apparatus according to claim 144 wherein the at least one assessing device is adapted to determine a cunency note validity unacceptable to the machine, and wherein the information generating device is adapted to mark the document responsive to the at least one assessing device being unable to determine that the currency note is genuine.

149. The apparatus according to claim 148 wherein the automated banking machine comprises an ATM adapted to receive a currency note deposit.

150. Apparatus comprising:

an ATM including

at least one identifying device, wherein the at least one identifying device is adapted to identify an unacceptable cunency note within the ATM,

a marking device, wherein the marking device is adapted to mark an unacceptable currency note within the ATM for unique identification.

151. The apparatus according to claim 150 wherein the ATM is adapted to receive a cunency note deposit, and wherein the marking device is adapted to mark an unacceptable currency note thereon with at least one removable readable mark.