US4237799A
Expired / Lapsed
US
⏱️ 0.0 years remaining
Banking protection system for 24 hour banking
Assignee: Citibank NA
•
Filing: 1978-02-07
•
Granted: 1980-12-09
•
Expires: 1998-02-07
Abstract
Abstract Credit card operated, automated teller machines are located in the vestibule of a bank where they may be accessed during normal banking hours. During off hours, a partition system segregates the vestibule from the remainder of the bank. Off-hour access to the vestibule is advantageously controlled by a customer activated door lock operated by the credit card and reader located at the bank door. Thus, access to the vestibule and the automated teller machines are controlled by the customer's own credit card.
Inventors
- 👤 James S. Berman
Bibliographic Details
Application Number
—
Jurisdiction
US
Data Source
google_patents
Last Synchronized
2026-10-27 17:23
CPC Classifications
G; G07; G07F; G07F19/00; G07F19/20; E; E04; E04B; E04B2/00; E04B2/74; E04B2/82; E04B2/825; G07F19/201
Claims Analysis
Total Claims: 6
Claim 1
Independent Claim
209 words
A banking protection system for providing 24 hour service to customers in a bank, said bank having an entrance, comprising: partition means located in said bank to divide said bank in a vestibule area adjacent said entrance and a second banking area remote from said entrance, said second banking area being the area for personal customer services, said partition means being movable between a closed position, wherein said partition means block access to said second banking area, and an open position; said partition means including a series of poles extending from the floor to ceiling of said bank; panel members sized to be positioned between said poles, means mounting said panels to said poles such that at least some of said panels may be rotated about said poles between said open and closed positions, and means for locking said panels in said closed position; automated teller machine means located in said vestibule customer area, whereby customers may enter both the vestibule and second banking areas during normal business hours of the bank, when the partition means is in the open position, and may enter only the vestibule customer area during off business hours, when said partition means are in said closed position to use the automated teller machine means.
Claim 2
Dependent Claim
209 words
A banking protection system for providing 24 hour service to customers in a bank, said bank having an entrance, comprising: partition means located in said bank to divide said bank in a vestibule area adjacent said entrance and a second banking area remote from said entrance, said second banking area being the area for personal customer services, said partition means being movable between a closed position, wherein said partition means block access to said second banking area, and an open position; said partition means including a series of poles extending from the floor to ceiling of said bank; panel members sized to be positioned between said poles, means mounting said panels to said poles such that at least some of said panels may be rotated about said poles between said open and closed positions, and means for locking said panels in said closed position; automated teller machine means located in said vestibule customer area, whereby customers may enter both the vestibule and second banking areas during normal business hours of the bank, when the partition means is in the open position, and may enter only the vestibule customer area during off business hours, when said partition means are in said closed position to use the automated teller machine means.
Claim 3
Dependent Claim
26 words
The banking protection system of claim 1, wherein said automated teller machine means are operated by identification means having indicia for electronic authorization and funds transfer.
Claim 4
Dependent Claim
60 words
The banking protection system of claim 1, wherein said entrance includes locking means operatively coupled to a credit card reader such that said locking means may be operated by a customer'credit card, said card reader being accessible from the exterior of the bank, whereby a customer can unlock the entrance and gain access to the vestibule area during non-banking hours.
Claim 5
Dependent Claim
239 words
A banking protection system for providing 24 hour service to customers having identification cards having indicia for electronic authorization and funds transfer in a bank having an entrance comprising: means for separating a portion of the banking area adjacent the entrance from the remainder thereof during selected periods to form a vestibule area, said remainder being the area for personal customer services, said separating means including a series of poles extending from the floor to ceiling of said bank; panel members sized to be positioned between said poles, means mounting said panels to said poles such that at least some of said panels may be rotated about said poles between open and closed positions, and means for locking said panels in said closed position; automated teller machine means located in said vestibule area; locking means operative with said entrance to prohibit entrance there-through; card reader means accessible from the exterior of said banking area and operatively coupled to operate said locking means, said card reader and automated teller machine being operable by said customer's identification cards, whereby the customer may enter both the vestibule and remainder areas of the bank during normal business hours, when said entrance locking means is inoperative and said panels are in the open position, and may unlock the entrance, enter the vestibule, and use the automated teller machine with the customer's card, during off business hours, when said panels are in the closed position.
Claim 6
Dependent Claim
239 words
A banking protection system for providing 24 hour service to customers having identification cards having indicia for electronic authorization and funds transfer in a bank having an entrance comprising: means for separating a portion of the banking area adjacent the entrance from the remainder thereof during selected periods to form a vestibule area, said remainder being the area for personal customer services, said separating means including a series of poles extending from the floor to ceiling of said bank; panel members sized to be positioned between said poles, means mounting said panels to said poles such that at least some of said panels may be rotated about said poles between open and closed positions, and means for locking said panels in said closed position; automated teller machine means located in said vestibule area; locking means operative with said entrance to prohibit entrance there-through; card reader means accessible from the exterior of said banking area and operatively coupled to operate said locking means, said card reader and automated teller machine being operable by said customer's identification cards, whereby the customer may enter both the vestibule and remainder areas of the bank during normal business hours, when said entrance locking means is inoperative and said panels are in the open position, and may unlock the entrance, enter the vestibule, and use the automated teller machine with the customer's card, during off business hours, when said panels are in the closed position.
References Cited (Backward Citations)
US1703751A
Cited
US1900422A
Cited
US1992096A
Cited
US1925379A
Cited
US2144083A
Cited
US2175717A
Cited
US2419459A
Cited
US2874819A
Cited
US2984194A
Cited
US3237933A
Cited
US3313562A
Cited
US3429082A
Cited
US3371454A
Cited
US3408781A
Cited
US3570200A
Cited
US3669038A
Cited
US3683100A
Cited
GB1342395A
Cited
US3733759A
Cited
US3726238A
Cited
US3802101A
Cited
US3775755A
Cited
US3819910A
Cited
USRE28081E
Cited
US3924369A
Cited
US3885362A
Cited
US3879799A
Cited
US3869827A
Cited
US3957173A
Cited
US4020604A
Cited
US3993006A
Cited
US4047342A
Cited
US3921348A
Cited
US4031675A
Cited
US4121523A
Cited
FR2334809A1
Cited
US3987597A
Cited
US4014137A
Cited
USPTO Annuity & Maintenance Windows
| Annuity Stage | Window Opens | Payment Deadline | Surcharge Period Until | Estimated Fee | Status |
|---|---|---|---|---|---|
| 3.5 Years (Year 4) | 1983-12-09 | 1984-06-09 | 1984-12-09 | $2000.00 | Window Closed / Lapsed |
| 7.5 Years (Year 8) | 1987-12-09 | 1988-06-09 | 1988-12-09 | $3760.00 | Window Closed / Lapsed |
| 11.5 Years (Year 12) | 1991-12-09 | 1992-06-09 | 1992-12-09 | $7700.00 | Window Closed / Lapsed |