Automated transaction machine

An automated transaction machine (ATM) can include a housing, a display, a cash recycler, and a check receiver. The display can be mounted to the housing and directed toward an exterior of the housing. The cash recycler can be configured to receive a first note of currency from a first user of the ATM and dispense the first note of currency to a subsequent, second user of the ATM. The check receiver can be positioned in the housing, an intake portion with an inlet communicating with the exterior of the housing, and a check reader portion configured to receive a check from the intake portion, scan data displayed on the check, and store the check. The intake portion can be positioned below the display and the check reader portion is positioned behind the display.

BACKGROUND

The present disclosure relates to Automated Transaction Machines (ATMs), alternatively referred to as Automated Banking Machines or Automated Teller Machines.

2. Description of Related Prior Art

ATMs are commonly used to carry out a variety of financial or commercial transactions. Most commonly, these transactions include dispensing cash, checking account balances, paying bills and/or receiving deposits from users. ATMs may also perform a variety of other transactions, including the sale and purchase of tickets, issuance of coupons, check or voucher presentation, the printing of script and a variety of other functions. In carrying out these transactions or performing these functions, a variety of documents may be moved through the ATM.

SUMMARY

An automated transaction machine (ATM) can include a housing, a display, a cash recycler, and a check receiver. The housing can define a depth between a forward side and an aft side along a longitudinal horizontal axis, a width between a right side and a left side along a lateral horizontal axis, and a height between a bottom edge and a top edge along a longitudinal vertical axis. The display can be mounted to the housing and directed toward an exterior of the housing. The cash recycler can be configured to receive a first note of currency from a first user of the ATM and dispense the first note of currency to a subsequent, second user of the ATM. The check receiver can be positioned in the housing. The check receiver can have an intake portion with an inlet communicating with the exterior of the housing. The check receiver can also have a check reader portion configured to receive a check from the intake portion, scan data displayed on the check, and store the check. The intake portion can be positioned below the display and the check reader portion is positioned behind the display.

According to other features, the cash recycler can be further defined as including a head portion and a base portion. The housing can be further defined as including an upper portion and a lower portion. The head portion of the cash recycler and the check receiver and the display can be positioned in the upper portion of the housing, and the base portion of the cash recycler positioned in the lower portion of the housing. The ATM can further comprise a safe positioned in the lower portion of the housing and containing the base portion of the cash recycler. The safe can include an aperture through which the head portion and the base portion exchange currency between each other.

In other features, the ATM can also include a tray mounted in the housing. The check receiver can be positioned on the tray. The ATM can also include first and second telescopic tracks interconnecting the tray and the housing. The check receiver can be moveable in and out of the housing on the tray along the longitudinal horizontal axis. The ATM can also include a fascia mounted to the housing for pivoting movement about a pivot axis parallel to the lateral horizontal axis. The fascia can be moveable between a first position in which the fascia cooperates with the housing to enclose the tray and the check receiver and a second position pivotally spaced from the first position. The check receiver can be pulled out of the housing along the longitudinal horizontal axis while supported on the first and second telescopic tracks when the fascia is in the second position.

According to additional features, the ATM can also include third and fourth telescopic tracks interconnecting at least part of the cash recycler and the housing. The at least part of the cash recycler can be moveable in and out of the housing along the longitudinal horizontal axis. The ATM can also include a card reader having an inlet and positioned on the tray next to the card receiver. The ATM can also include a first bezel defining a passageway for a card and mounted in the fascia. The passageway can extend between an inlet and an outlet. The outlet of the first bezel can be aligned with the inlet of the card reader when the fascia is in the first position. One of the first bezel and the card reader can further comprise at least one bar extending parallel to and spaced from the inlet of the card reader when the fascia is in the first position. The other of the first bezel and the card reader can further comprise at least one latch at least partially surrounding the at least one bar when the fascia is in the first position. The at least one bar and the at least one latch can come into engagement with one another as the fascia is moving to the first position from the second position. The at least one bar and the at least one latch cooperate to lift the card reader while coming into engagement with one another.

According to other features, the ATM can also include a second bezel defining a passageway for a check and mounted in the fascia. The passageway can extend between an inlet and an outlet. The outlet of the second bezel can align with the inlet of the check receiver when the fascia is in the first position. The second bezel can include a door movable to selectively close the passageway of the second bezel. One of the second bezel and the intake portion of the check receiver can further comprise at least one bar extending parallel to and spaced from the inlet of the check receiver when the fascia is in the first position. The other of the second bezel and the intake portion of the check receiver can further comprise at least one latch at least partially surrounding the at least one bar when the fascia is in the first position. The at least one bar and the at least one latch can come into engagement with one another as the fascia is moving to the first position from the second position. The at least one bar and the at least one latch can cooperate to pivot the intake portion of the check receiver relative to the check reader portion of the check receiver while coming into engagement with one another.

In other features, the ATM can include a first bezel defining a passageway for a card and mounted in the fascia. The passageway can extend between an inlet and an outlet. The outlet of the first bezel can align with the inlet of the card reader when the fascia is in the first position. One of the first bezel and the card reader can further comprise at least one first bar extending parallel to and spaced from the inlet of the card reader when the fascia is in the first position. The other of the first bezel and the card reader can further comprise at least one first latch at least partially surrounding the at least one first bar when the fascia is in the first position. The at least one first bar and the at least one first latch can come into engagement with one another as the fascia is moving to the first position from the second position. The at least one first bar and the at least one first latch cooperate to lift the card reader while coming into engagement with one another. The ATM can include a second bezel defining a passageway for a check and mounted in the fascia. The passageway can extend between an inlet and an outlet. The outlet of the second bezel can be aligned with the inlet of the check receiver when the fascia is in the first position. One of the second bezel and the check receiver can further comprise at least one second bar extending parallel to and spaced from the inlet of the check receiver when the fascia is in the first position. The other of the second bezel and the check receiver can further comprise at least one second latch at least partially surrounding the at least one second bar when the fascia is in the first position. The at least one second bar and the at least one second latch can come into engagement with one another as the fascia is moving to the first position from the second position. The at least one second bar and the at least one second latch can cooperate to pivot at least a portion of the check receiver relative to the tray while coming into engagement with one another. The at least one first bar and the at least one first latch can engage one another at a first height elevated from the tray when the fascia is in the first position. The at least one second bar and the at least one second latch can engage one another at a second height elevated from the tray when the fascia is in the first position. The first height and the second height can be different from one another.

According to additional features, the display can be mounted in the fascia and thereby moveable with the fascia as the fascia moves between the first position and the second position. The display can further comprise a display side through which information is displayed, a rear side opposite to the display side, and a plurality of lateral sides extending between the display side and the rear side. At least one of the card reader and the intake portion of the check receiver can be directly below a lateral side of the plurality of lateral sides of the display that is rearward-least along the longitudinal horizontal axis when the fascia is in the first position. The card reader and the intake portion of the check receiver can both be directly below the lateral side of the plurality of lateral sides of the display that is rearward-least longitudinal horizontal axis when the fascia is in the first position.

According to other features, the first and second telescopic tracks can be below the card reader and the check receiver along the longitudinal vertical axis. The first and second telescopic tracks and the third and fourth telescopic tracks can be laterally adjacent to the cash recycler along the lateral horizontal axis. The check reader portion of the check receiver can rest on the tray and the intake portion can be pivotally mounted to the check reader portion.

In other features, the ATM can include a tray mounted in the housing. The ATM can include a card reader having an inlet and positioned on the tray. The ATM can include a receipt printer having an outlet and positioned on the tray. The ATM can include a fascia mounted to the housing for pivoting movement about a pivot axis parallel to the lateral horizontal axis. The fascia can be moveable between a first position in which the fascia cooperates with the housing to enclose the tray, the card reader, the check receiver and the receipt printer and a second position pivotally spaced from the first position wherein the tray can be pulled out of the housing along the longitudinal horizontal axis while supported on the first and second telescopic tracks when the fascia is in the second position. The ATM can include first and second telescopic tracks interconnecting the tray and the housing, wherein the card reader, the check receiver and the receipt printer are jointly moveable in and out of the housing on the tray along the longitudinal horizontal axis.

According to additional features, at least one of the card reader, the check receiver, and the receipt printer can include a downwardly-facing surface that contacts an upwardly-facing surface defined by the tray and extends laterally beyond a lateral edge of the upwardly-facing surface. At least two of the card reader, the check receiver, and the receipt printer can extend laterally beyond the upwardly-facing surface defined by the tray and upon which the card reader, the check receiver, and the receipt printer rest.

According to other features, the ATM can also include a first bezel defining a passageway for a card and mounted in the fascia. The passageway can extend between an inlet and an outlet. The outlet of the first bezel can align with the inlet of the card reader when the fascia is in the first position. A first vertical plane can extend parallel to the lateral horizontal axis and the longitudinal vertical axis. The first vertical plane can extend through the first bezel and the card reader and the lateral side of the plurality of lateral sides of the display that is rearward-least along the longitudinal horizontal axis. The ATM can include a second bezel defining a passageway for a check and mounted in the fascia. The passageway can extend between an inlet and an outlet. The outlet of the second bezel can align with the inlet of the check receiver when the fascia is in the first position. A second vertical plane can extend parallel to the lateral horizontal axis and the longitudinal vertical axis. The second vertical plane can extend through the second bezel and the check receiver and the lateral side of the plurality of lateral sides of the display that is rearward-least along the longitudinal horizontal axis. The ATM can include a third bezel defining a passageway for a receipt and mounted in the fascia. The passageway can extend between an inlet and an outlet. The inlet of the third bezel can be aligned with the outlet of the receipt printer when the fascia is in the first position. A third vertical plane can extend parallel to the lateral horizontal axis and the longitudinal vertical axis. The third vertical plane can extend through the third bezel and the card reader and the lateral side of the plurality of lateral sides of the display that is rearward-least along the longitudinal horizontal axis.

In other features, the ATM can include a safe positioned in the housing below the tray. The cash recycler can include a head portion positioned between the safe and the tray and also include a base portion positioned in the safe. The safe can include an aperture through which currency is moved between the head portion and the base portion. All of the card reader, the check receiver, and the receipt printer can be directly below the lateral side of the plurality of lateral sides of the display that is rearward-least longitudinal horizontal axis when the fascia is in the first position.

DETAILED DESCRIPTION

Referring now to the drawings,FIGS.1-5disclose an exemplary ATM10according to one or more implementations of the present disclosure. The ATM10includes different structures and subsystems for receiving input from a user and executing transactions. The ATM10includes a computing device12. The computing device12can be viewed a primary or overall controller of the ATM10. The exemplary computing device12has one or more processors and a non-transitory, computer readable medium. The computing device12operates under the control of an operating system, kernel, and/or firmware and executes or otherwise relies upon various computer software applications, components, programs, objects, modules, data structures, etc. The exemplary computing device12can operate under the control of the Windows® operating system. The computer readable medium (memory) of the computing device12can include random access memory (RAM) devices comprising the main storage of computing device12, as well as any supplemental levels of memory, e.g., cache memories, non-volatile or backup memories (e.g., programmable or flash memories), read-only memories, etc. In addition, the memory may be considered to include memory storage physically located elsewhere from RAM in the computing device12, such as any cache memory in a processor, as well as any storage capacity used as a virtual memory. The computing device12can also include one or more mass storage devices such as, for example, a floppy or other removable disk drive, a hard disk drive, a direct access storage device (DASD), an optical drive (e.g., a CD drive, a DVD drive, etc.), and/or a tape drive, among others, represented by memory46.

The exemplary computing device12can be housed in a housing50of the ATM10. The housing50can define a depth between a forward side52and an aft side60along a longitudinal horizontal axis62. “Longitudinal” refers to “centered.” The housing50can also define a width between a right side66and a left side68along a lateral horizontal axis72. The housing50can also define a height between a bottom edge74and a top edge76along a longitudinal vertical axis78. A fascia54can be pivotally mounted to the housing. The fascia54can be mounted to the housing50for pivoting movement about a pivot axis80parallel to the lateral horizontal axis72. The fascia54can selectively close a fourth side of the housing50of the ATM10.FIG.1shows the fascia54in a first position.FIGS.2and5show the fascia54in a second position pivotally spaced from the first position.

The exemplary ATM10also includes a display14. The exemplary display14is mounted in the fascia54. The computing device12can control the display14to present information to the user for furthering the completion of the transaction. The display14can be a touch screen that allows the user to enter information through the display14. The exemplary display14is configured to transmit any user-entered information to the computing device12.

The display14can be mounted in the fascia54and can thereby be moveable with the fascia54as the fascia54moves between the first position and the second position. The display14can include a display side82through which information is displayed. As referenced inFIGS.14,18,19, and23, the display14can also include a rear side84opposite to the display side82. The display14can also include a plurality of lateral sides extending between the display side82and the rear side84. Exemplary lateral sides are referenced at86and88. The exemplary lateral side86is shown as an edge or “profile” and the exemplary lateral side88is visible as a surface.

The exemplary ATM10also includes a key pad16and an encryption module18. Generally, the combination of a key pad and an encryption module are referred to in the art as an encrypted pin pad (EPP). The exemplary EPP is mounted in the fascia54. The exemplary key pad16includes a plurality of keys, such as key20. The exemplary encryption module18has one or more processors and a non-transitory, computer readable medium. The user can press the keys of the key pad16to enter a Personal Identification Number (PIN). The key pad16is placed in communication with the encryption module18and therefore the numbers of the PIN are received by the encryption module18. It is noted that the communication of the PIN is direct and secure; the PIN cannot be intercepted between the key pad16and the encryption module18. The PIN is then encrypted by the encryption module18to define a PIN block. The encryption module18includes a network encryption key and applies the network encryption key to encrypt the PIN to the PIN block. The exemplary encryption module18is configured to transmit the PIN block to the computing device12, which can direct the PIN block away from the ATM10during the completion of a financial transaction.

The exemplary ATM10also includes a card reader22having an inlet90. The exemplary card reader22is disposed on a tray56that can be selectively drawn out of the housing50when the fascia54is in an open (or second) position (FIG.2). The exemplary tray56is mounted in the housing50. When the tray56is moved back into the housing50, the fascia54can be moved to a closed (or first) position (FIG.1). The card reader22can receive a token from the user, such as a card. A card can enter and exit the inlet90of the card reader22. The card reader22can be configured to execute read and write operations with respect to any storage medium fixed to the user's card. The exemplary card reader22can be configured to read data from a magnetic strip on the back of a card or from a chip embedded in the card. The exemplary card reader22can be configured to transmit any data read from the user's card to the computing device12, which can direct the data read from the card away from the ATM10during the completion of a financial transaction. The exemplary card reader22can also be configured to receive commands and data from the computing device12and change data stored on the user's card.

The exemplary ATM10also includes a receipt printer24having an outlet92. The receipt printer24is also disposed on the tray56. The computing device12can control the receipt printer24to print a receipt for a user when a transaction has been completed. The receipt printer24can communicate one or more messages to the computing device12, such as a maintenance message regarding the need to refill printer paper. As shown inFIG.4, the receipt printer24includes a downwardly-facing surface166that contacts an upwardly-facing surface164(referenced inFIGS.6-8) of the tray56and extends laterally beyond a lateral edge of the upwardly-facing surface164. The efficiency of the utilization of space within the ATM10is thus enhanced.

The exemplary ATM10also includes a check receiver58. The check receiver58is positioned in the housing50. The exemplary check receiver58includes an intake portion130with an inlet94communicating with the exterior of the housing50. The exemplary check receiver58also has a check reader portion128. The exemplary forward portion130is pivotally mounted to the aft portion128for pivoting movement about an axis136. The forward portion130defines the inlet of the check receiver58. The intake portion130receives a check from a user and transports the check to the check reader portion128. The check reader portion128is configured to receive a check from the intake portion130, scan data that is displayed on the check, and store the check. The check reader portion128can determine whether or not the check is legitimate. The capacity of the check reader portion128to perform these functions allows the intake portion130to have minimal components and thus minimal height. The exemplary intake portion130is therefore positioned below the display14and the check reader portion128is positioned behind the display14. The check receiver58thus wraps around the display14to enhance the efficient use of physical space by the ATM10. The check receiver58can communicate one or more messages to the computing device12, such as the data read from a received check or that the indicia on the check could not be read.

The exemplary ATM10also includes a cash recycler. The exemplary cash recycler includes a head portion26and a base portion40. The cash recycler is configured to receive a first note of currency from a first user of the ATM10and dispense the first note of currency to a subsequent, second user of the ATM10. In the exemplary embodiment, the head portion26is not mounted on the tray56but under the tray56and is mounted such that it can be drawn out of the housing50like the tray56.

The exemplary head portion26of the cash recycler communicates with the exterior of the ATM10through a slot28in the fascia54. The head portion26of the cash recycler can include one or more sensors and transmit signals from any such sensors to the computing device12to execute an operation. The computing device12can control the head portion26of the cash recycler in response to such signals. For example, the head portion26of the cash recycler can include a sensor that detects if currency received is counterfeit or if currency notes are bundled or “stuck” together rather than moving singularly through the head portion26of the cash recycler. The computing device12can respond to such signals by changing the direction of movement of the banknotes, or by directing some other action.

The exemplary ATM10also includes a printer module30. The printer module30can generate a continuous record of all transactions executed by the ATM10. The computing device12can control the printer module30to supplement the record after each transaction has been completed. The printer module30can communicate one or more messages to the computing device12, such as a maintenance message regarding the need to refill printer paper.

The exemplary ATM10also includes an access module32. The access module32can be positioned proximate to a rear side of the ATM10. The access module32can be utilized by service and support technicians. For example, the access module32can be utilized by a field engineer to complete software updates to the computing device12. The access module32can also be utilized when non-software updates and maintenance is performed, such as the refilling of printer paper or currency.

The exemplary ATM10also includes a transceiver34. The exemplary transceiver34is configured to facilitate communication between the computing device12and other computing devices that are distinct from and physically remote from the computing device12. An example of such a remote computing device is a server computing device, such as a banking or financial institution server communicating with a plurality of ATMs. The exemplary transceiver34places the computing device12in communication with one or more networks, such as network36. The network36can be a local area network (LAN), a wide area network (WAN) such as the Internet, a Multi-protocol label switching (MPLS) network, a cellular network such as operated by cellular phone companies, or any combination thereof. The network36can be a financial/bank network such as NYCE, PULSE, PLUS, Cirrus, AFFN, Interac, Interswitch, STAR, LINK, MegaLink, or BancNet. The transceiver34can transmit data and requests for input generated by the computing device12and receive responses to these requests, directing these responses to the computing device12.

The exemplary ATM10also includes a transceiver38. The exemplary transceiver38is configured to facilitate communication between at least one of the encryption module18and the computing device12and other computing devices that are distinct from and physically proximate to the ATM10. An example of such a proximate computing device is a smartphone possessed by the user. The dashed connection lines inFIG.1represent optional interconnections. The exemplary transceiver38can place the user's smartphone in communication with the encryption module18, the computing device12, or both. The exemplary transceiver38can implement various communication protocols. For example, the transceiver38can be a Near Field Communication (NFC) device. Alternatively, the transceiver38can be a Bluetooth beacon. The transceiver38can transmit and receive data and requests for input generated by the encryption module18and/or the computing device12, such transmissions occurring with the user's smart phone for example.

The exemplary ATM10also includes a safe42. The head portion26of the cash recycler can be positionable proximate to a top of the safe42. The safe42can be housed in a lower portion of the housing50of the ATM10. The check receiver58and the display14are positioned in an upper portion of the housing50while the safe42is positioned in a lower portion of the housing50. The housing50can also include a door64pivotally mounted to the housing50to access the safe42.

The exemplary ATM10can also include first and second telescopic tracks, referenced at96and98. The telescopic tracks96,98interconnect the tray56and the housing50. The tray56can be horizontally slidable through the first and second telescopic tracks96,98between an extended position and a retracted position. The card reader22, the check receiver58and the receipt printer24are thus jointly moveable in and out of the housing50on the tray56along the longitudinal horizontal axis62. The tray56is shown in the extended position inFIG.2. The tray56is shown in the retracted position inFIG.5. Operations of the ATM10occur when the tray56is in the retracted position. The fascia54, when moved to the first position, cooperates with the housing50to enclose the tray56(in the retracted position), the card reader22, the check receiver58and the receipt printer24.

The exemplary ATM10can also include third and fourth telescopic tracks, referenced at132and134inFIG.15. The telescopic tracks132,134interconnect the head portion26of the cash recycler and the housing50. The head portion26of the cash recycler can be horizontally slidable through the third and fourth telescopic tracks132,134between an extended position and a retracted position. The head portion26of the cash recycler is shown in the extended position inFIG.2. The head portion26of the cash recycler is not visible but is in the retracted position inFIG.1. Operations of the ATM10occur when the head portion26of the cash recycler is in the retracted position.

As best shown inFIG.4, the exemplary first and second telescopic tracks96,98are below the card reader22, the check receiver58and the receipt printer24along the longitudinal vertical axis78. The exemplary first and second telescopic tracks96,98and the exemplary third and fourth telescopic tracks132,134are laterally adjacent to the cash recycler the lateral horizontal axis72. The efficiency of the utilization of space within the ATM10is thus enhanced.

The exemplary base portion40of the cash recycler is positioned in the safe42. One or more cassettes or cash boxes44are also positioned and protected in the safe42. Banknotes are stored in the cassettes44for disbursement to a user of the ATM10. The exemplary base portion40of the cash recycler can extract the banknotes from one or more of the cassettes44and direct them to the head portion26of the cash recycler through an aperture31in the safe42. The exemplary base portion40of the cash recycler can also receive banknotes from the head portion26of the cash recycler through the port and direct the banknotes to the one or more of the cassettes44. Banknotes can move in either direction through the port, based on the operation being performed by the ATM10. The exemplary base portion40of the cash recycler can communicate with and be controlled by the computing device12for at least some operations. Each of the cassettes44can and the base portion40of the cash recycler can be mounted together on a rack in the safe42whereby the positioning of the cassettes is controlled. Further, the each of the cassettes44and the base portion40of the cash recycler can include mating connectors of any form, whereby a positive interconnection is confirmed electronically. When one or more of the cassettes44and the base portion40of the cash recycler are not properly interconnected, a signal or lack thereof can be communicated to or sensed by the computing device12whereby an error message is generated or the ATM10can be disabled.

The exemplary ATM10also includes a scanner48. The scanner48can scan, for example, at least a portion of a display of a smart phone and communicate the scanned display to the computing device12. A token can be displayed on the display of the smart phone and thus scanned by the scanner48. The token can be a bar code, a quick response (QR) code, a number, a string of alphanumeric characters, a weblink, or some other symbolic indicia. The exemplary scanner48is configured to transmit any scanned data to the computing device12, which can direct the scanned away from the ATM10during completion of a financial transaction.

The ATM10can also include a first bezel70. The exemplary first bezel70is mounted in the fascia54. As best shown inFIGS.13and14, the first bezel70can define a passageway100for a user's card to pass through. The passageway100can extend between an inlet102and an outlet104. The exemplary outlet104of the first bezel70is aligned with and communicates with the inlet90of the card reader22when the fascia54is in the first position. A user's card can be put into the passageway100through the inlet102, the outlet104, then the inlet90, and then be drawn into the card reader22for processing.

The exemplary card reader22can include a bar106that extends parallel to and spaced from the inlet90of the card reader22. The exemplary bar106projects laterally from both sides of the card reader22. The bar106of card reader22can extend laterally beyond the upwardly-facing surface164defined by the tray56to enhance the utilization of space in the ATM10. The exemplary first bezel70includes latches, such as latch108shown inFIG.13. The exemplary latch108is positioned on the right side of the first bezel70. The exemplary first bezel70also includes a second latch that is shaped the same as latch108on the left side. The latches receive opposite sides of the bar106and at least partially surround the bar106when the fascia54is in the first position. The bar106and the latches can come into engagement with one another as the fascia54is moving to the first position from the second position.

Referring now toFIG.10, the card reader22is attached to the tray56at an aft portion110of the card reader22. A forward portion112of the card reader22is cantilevered from the aft portion110. When the fascia54is in the second position, the forward portion112of the card reader22can rest on protuberances114,116defined by the tray56. As the fascia54is moving to the first position from the second position, the exemplary bar106acts as a cam follower and the latches act as cams, wherein the bar106and the latches cooperate to lift the card reader22while coming into engagement with one another. The card reader22is raised off of the protuberances114,116through the action of the latches on the bar106.

The ATM10can also include a second bezel118. The second bezel118can be mounted to the fascia54. The second bezel118can define a passageway120for a check to pass. The passageway120can extend between an inlet122and an outlet124. The outlet124of the second bezel118can align with the inlet94of the check receiver58when the fascia54is in the first position. The ATM10can also include a door126movably mounted on the second bezel118to selectively close the passageway120of the second bezel118. Movement of the door126can be controlled by the computing device12.

The exemplary check receiver58includes bars138,140that extend parallel to and spaced from the inlet94of the check receiver58. The bars138,140project laterally from both sides of the check receiver58. The exemplary second bezel118includes latches, such as latch142shown inFIG.18. The exemplary latch142is positioned on the right side of the second bezel118. The exemplary second bezel118also includes a second latch that is shaped the same as latch142on the left side. The latches receive the opposite bars138,140and at least partially surround the bars138,140when the fascia54is in the first position. The bars138,140and the latches come into engagement with one another as the fascia54is moving to the first position from the second position.

Referring now toFIG.10, the check receiver58is attached to the tray56at the check reader portion128. The intake portion130of the check receiver58is cantilevered from the check reader portion128. As the fascia54is moving to the first position from the second position, the bars138,140act as a cam followers and the latches act as cams, wherein the bars138,140and the latches cooperate to lift the intake portion130of the check receiver58while coming into engagement with one another. The exemplary intake portion130of the check receiver58is thus raised through the action of the latches on the bars138,140, moving relative to the check reader portion128as referenced inFIG.17at144.

The exemplary bar106of the card reader22and the latches of the first bezel70engage one another at a first height elevated from the tray56when the fascia54is in the first position. InFIG.4, the plane of the upwardly-facing surface164of the tray56is referenced at146. The centerline of the exemplary bar106is referenced at148. The distance between centerline148and the plane146is the first height. The bars138,140of the check receiver58and the latches of the second bezel118engage one another at a second height elevated from the tray56when the fascia54is in the first position. The centerline of the exemplary bars138,140is referenced at150. The distance between centerline150and the plane146is the second height. As shown inFIG.4, the exemplary first height and the exemplary second height are different from one another. These interconnections, at different heights, between modules of the ATM10and the fascia54render the fascia54more secure, as the maximum distance between any two connection points is reduced. The pivot axis80is another connection point. Also, the different connecting heights, in addition to hinge/pivot connection, improves the alignment between the fascia54and the various structures that mate with the fascia54when the fascia54is in the first position.

In the exemplary embodiment, the modules of the ATM10can be positioned directly below the display14to reduce the lateral size (the width) of the ATM10. As shown inFIG.14, the card reader22is directly below the lateral side86. A vertical, dashed line is shown inFIG.14extending downward from at least one point on the rearward-least lateral side86and intersecting a portion of the card reader22. The dashed line also represents a first vertical plane that extends parallel to the lateral horizontal axis72and to the longitudinal vertical axis78. The exemplary first vertical plane thus extends through the first bezel70, the card reader22, and the lateral side86. The exemplary lateral side86is the least rearward lateral side of the display14. The rearmost edge of the lateral side86is the furthest from the aft side60of the ATM10relative to the rearmost edges of all of the other lateral sides of the display14, along the longitudinal horizontal axis62, when the fascia54is in the first position. For example, the rearmost edge of the lateral side88, the display side82and the rear side84all extend toward the aft side60with increasing height of the display along the longitudinal vertical axis78. InFIG.14, the axis referenced at152is parallel to and laterally-spaced from the longitudinal horizontal axis62.FIG.14also shows that in the exemplary embodiment of the present disclosure the inlet90of the card reader22is forward of the lateral side86when the fascia54is in the first position.

As shown inFIG.19, the inlet94of the check receiver58is below the lateral side86and directly below the rear side84. A vertical, dashed line is shown inFIG.19extending downward from at least one point87on the rear side84that is closer to the rearward-least lateral side86than a rearward-most side (the “top” edge of the display referenced at85inFIG.1) and intersecting a portion of the check receiver58referenced at inlet94. The dashed line represents a second vertical plane that extends parallel to the lateral horizontal axis72and to the longitudinal vertical axis78. The exemplary second vertical plane thus extends through the second bezel118, the check receiver58, and the lateral side86.FIG.19also shows that in the exemplary embodiment of the present disclosure the inlet94of the check receiver58is directly below the lateral side86when the fascia54is in the first position. As shown inFIG.19, a second longitudinal horizontal axis89extends parallel to the first longitudinal horizontal axis62, is spaced from the first longitudinal horizontal axis62along the longitudinal vertical axis78, and passes through the display14and also through at least a portion of the check reader portion128.FIG.19also shows the check receiver58defines a third height91along the longitudinal vertical axis78between a bottom in a first plane normal93to the longitudinal vertical axis78and a second plane95normal to the longitudinal vertical axis78and wherein most of the third height91is directly behind the display14along the longitudinal vertical axis78. A line referenced at97inFIG.19indicates a plane that contains a bottom-most edge of the lateral side86of the display14. As shown inFIG.19, the plane97is closer to the first plane93than the second plane95, thus most of the third height91is directly behind the display14along the longitudinal vertical axis78.

The ATM10can also include a third bezel156defining a passageway158for a receipt and mounted in the fascia54. The passageway158can extend between an inlet160and an outlet162. The inlet160of the first bezel70can be aligned with the outlet92of the receipt printer24when the fascia54is in the first position.

As shown inFIG.23, the receipt printer24is directly below the lateral side86. A vertical, dashed line is shown inFIG.23extending downward from at least one point on the rearward-least lateral side86and intersecting a portion of the receipt printer24. The dashed line represents a third vertical plane that extends parallel to the lateral horizontal axis72and to the longitudinal vertical axis78. The exemplary third vertical plane thus extends through the third bezel156, the receipt printer24, and the lateral side86. InFIG.23, the axis referenced at154is parallel to and laterally-spaced from the longitudinal horizontal axis62.FIG.23also shows that in the exemplary embodiment of the present disclosure the inlet of the receipt printer24is directly below the lateral side86when the fascia54is in the first position.

While the present disclosure has been described with reference to an exemplary embodiment, it will be understood by those skilled in the art that various changes may be made and equivalents may be substituted for elements thereof without departing from the scope of the present disclosure. In addition, many modifications may be made to adapt a particular situation or material to the teachings of the present disclosure without departing from the essential scope thereof. Therefore, it is intended that the present disclosure not be limited to the particular embodiment disclosed as the best mode contemplated for carrying out this present disclosure, but that the present disclosure will include all embodiments falling within the scope of the appended claims. The right to claim elements and/or sub-combinations that are disclosed herein is hereby unconditionally reserved. The use of the word “can” in this document is not an assertion that the subject preceding the word is unimportant or unnecessary or “not critical” relative to anything else in this document. The word “can” is used herein in a positive and affirming sense and no other motive should be presumed. More than one “invention” may be disclosed in the present disclosure; an “invention” is defined by the content of a patent claim and not by the content of a detailed description of an embodiment of an invention.