Registers – Systems controlled by data bearing records – Banking systems
Reexamination Certificate
2001-06-12
2004-10-19
Fureman, Jared J (Department: 2876)
Registers
Systems controlled by data bearing records
Banking systems
C235S380000, C235S484000
Reexamination Certificate
active
06805285
ABSTRACT:
BACKGROUND OF THE INVENTION
The present invention relates generally to self-service terminals (SSTs), such as automated teller machines (ATMs), and more particularly to a SST with a reconfigurable media entry slot.
Self-service terminals (SSTs) are commonly used for services, such as banking services, where a number of different types of media may be deposited in the SST by a user. For example, if a bank customer wishes to deposit some money into their account, they may have the option of depositing single banknotes, multiple banknotes simultaneously (known as a “bunch” deposit), a bunch of banknotes in a deposit envelope, or a check. To provide the widest possible range of services, therefore, an SST must be able to accept media of all these types. The situation is however further complicated by the fact that different media types have different preferred orientations for deposit into an SST, due to the different media transport mechanisms and recognition systems required for an SST to handle each of the media types. For example, single or bunched banknotes are preferably deposited with their long edge leading, while checks and deposit envelopes are generally deposited short edge leading. Further, there is a significant difference in thickness between a single banknote and a bunch; or between a check and an item in a deposit envelope.
Therefore, an SST capable of accepting multiple media types must either provide a dedicated deposit slot for each media type, or a single deposit slot large enough to accept all media types. The first of these approaches has the drawback that space on a SST fascia is limited, and a profusion of deposit slots may confuse users; while the second approach increases the likelihood that a customer will attempt to deposit media incorrectly, leading to rejection of the deposit and frustration for the customer. Neither of these solutions is thus entirely satisfactory.
SUMMARY OF THE INVENTION
It is among the objects of embodiments of the present invention to obviate or alleviate these and other disadvantages of the prior art.
According to a first aspect of the present invention, there is provided a self-service terminal (SST) comprising a media entry slot defining an entry aperture, a shutter movable into at least partly overlapping relationship with the slot to restrict the dimensions of the aperture, and control means for moving the shutter relative to the slot to provide an aperture of a desired size.
Thus, the present invention provides a media entry slot which is adjustable to a specific size, so restricting the possibility of depositing an incorrect media type therein or depositing a media type other than in the correct orientation. For example, if the SST requests the user to deposit a check, the shutter may be moved to restrict the aperture to a size appropriate to deposit a single check-sized item with the short edge leading.
Preferably the SST further comprises a transaction processing means, for controlling the flow of transactions, operably linked to the shutter control means, such that the shutter may be adjusted in response to the flow of a transaction. For example, if the processing means determines that a user is about to deposit a check, the shutter may be moved to provide an aperture of an appropriate size.
Preferably, the SST comprises a plurality of shutters. While a single shutter may provide sufficient adaptability of the aperture for most purposes, for example being movable horizontally to vary the width of the aperture, it may be preferable to provide a plurality of shutters, movable in different directions, to give greater flexibility in the configuration of the aperture. Preferably, at least one shutter is movable vertically with respect to the slot, and at least one shutter is movable horizontally. More preferably either or both of the vertically or horizontally movable shutters are provided as paired opposed shutters. This provides for more precise adjustment of the aperture, and also may be used to ensure that the aperture is always positioned centrally of the slot.
Where a number of relatively perpendicularly movable shutters are employed, it is preferred that the shutters are arranged such that, in use, the outermost shutters (those nearest the user of the SST) open after the shutters farther from the user. In this way the aperture presented to the user will be initially of the correct size in one dimension. It is further preferred that, during adjustment of the aperture, the outer shutters are moved to close the aperture while the inner shutters are adjusted to the correct position for forming an appropriate aperture.
It is preferred that the shutter or shutters are arranged so as to close the aperture when the entry slot is not in use. This provides increased security and weather protection to the SST.
Preferably, the SST further comprises sensors disposed in the slot, to detect the dimensions of entered media. When the aperture is in its largest configuration, it is still possible that a user may attempt to deposit incorrect smaller media or media in an incorrect orientation. The presence of media sensors may assist in determining whether or not entered media is of the correct orientation or type. The media sensors may be connected to SST transaction processing means; if an incorrect media type is entered, the media may be returned to the user, and a message displayed on the SST informing the user which type of media is expected. Alternatively, the media may be returned, and the aperture reconfigured to accept that type of media, so that the user may re-enter their media.
Preferably the SST further comprises indicator means located adjacent the slot to inform users of the orientation or dimensions of media to be deposited. Preferably the indicator means comprises a plurality of light-emitting means arranged along the length of the slot; when a media deposit is expected, a number of light-emitting means may be activated to denote the size of the aperture currently in use and the dimensions and preferred orientation of the expected media. In one embodiment, the light-emitting means may be in the form of arrows or other directional symbols, highlighting the direction of media entry. Alternative forms of indicator means may be used: for example, an area of color-changing material, such as thermochromic plastic; tactile means, such as a series of raised dots or shapes; or auditory means, such as a sound generated by the SST which is associated with a particular media type, orientation, or aperture size.
According to a second aspect of the present invention, there is provided a method of accepting media entered into a self-service terminal (SST), the method comprising the steps of:
determining the type of media to be entered;
determining a preferred aperture size for entry of the determined media type;
adjusting the size of an aperture provided in the SST fascia to correspond with the preferred aperture size; and
accepting media entered into the aperture.
Preferably the size of the aperture is adjusted by moving a shutter into at least partly overlapping relationship with a media entry slot provided on the SST, to provide an aperture of a desired size.
Preferably a plurality of shutters are moved. Most preferably, paired horizontally and/or vertically movable shutters are moved. Preferably the method further comprises the steps of: moving a first shutter disposed behind a second shutter into at least partly overlapping relationship with a media entry slot; and moving the second shutter into at least partly overlapping relationship with the media entry slot. Preferably the method further comprises the step of moving the second shutter into completely overlapping relationship with a media entry slot, that is to substantially close the media entry slot prior to moving the first and second shutters into at least partly overlapping relationship with the media entry slot.
Preferably the method further comprises the steps of:
sensing the dimensions and/or orientation of entered media; and
rejecting the entered media if the sensed d
Ebrahimi Ahmad H.
Peebles John A.
Chan Michael
Fureman Jared J
NCR Corporation
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