System and method for providing information and services to and from an automated teller machine

• US 20030141360A1
• Filed: 09/26/2002
• Published: 07/31/2003
• Est. Priority Date: 04/22/1999
• Status: Abandoned Application

• Current Assignee: Electronic Data Systems Corporation (Perspecta, Inc.)
• Original Assignee: Electronic Data Systems Corporation (Perspecta, Inc.)
• Inventors: Vesterman, Robert W., De Leo, Stephen L., Kirschner, Hope L.
• Application Number:
  US10/259,235
• Publication Number:
  US 20030141360A1
• Time in Patent Office: Days
• US Class Current: 235/379
• CPC Class Codes: G06Q 20/18 involving self-service terminals [SST], vending machines, kiosks or multimedia terminals
• CPC Class Codes: G06Q 30/02 Marketing; Price estimation or determination; Fundraising
• CPC Class Codes: G07F 19/20 Automatic teller machines [ATMs]
• CPC Class Codes: G07F 19/211 Software architecture within ATMs or in relation to the ATM network

Abstract

An automated teller machine (ATM) system includes a central office, an ATM coupled to the central office, and a remote data provider coupled to the central office. The ATM performs bank transactions in response to user interaction. The remote data provider is operable to provide enhanced non-bank transaction content to the ATM through the central office.

Claims

1. A system for providing information and services to and from an automated teller machine (ATM) comprising:

a central office;

an ATM coupled to the central office, the ATM operable to perform a bank transaction in response to user interaction;

a remote data provider coupled to the central office, the remote data provider operable to provide non-bank transaction content to the ATM through the central office.

2. The system of claim 1, wherein the content is news, weather, and/or sports information.

3. The system of claim 1, wherein the content is access to electronic mail.

4. The system of claim 1, wherein the content is Internet access.

5. The system of claim 1, wherein the content is access to a ticket brokerage.

6. The system of claim 1, wherein the content is financial information.

7. The system of claim 1, wherein the central office includes a data source system coupled to an internal operator and an internal supporting database.

8. The system of claim 7, wherein the data source system is operable to provide an interface between the ATM and the remote data provider.

9. The system of claim 7, wherein the internal operator is operable to monitor the flow of content to and from the ATM.

10. The system of claim 7, wherein the internal supporting databases are operable to provide data storage for information from the remote data provider.

11. The system of claim 1, which the central office is operable to receive ATM journal information directly from the ATM via a communications link on demand.

12. The system of claim 1, wherein the central office is operable to provide real time recording of events occurring at the ATM.

13. The system of claim 12, wherein the information provided by real time recording can be used to determine trends of ATM operation and activities of users of the ATM.

14. The system of claim 13, wherein the capabilities of the ATM are changed based on the trends.

15. A method for providing information and services at an automated teller machine, comprising:

requesting enhanced content from a central office based on a user selection;

retrieving the enhanced content from a remote data provider;

receiving enhanced content from the central office; and

displaying the enhanced content at the ATM to a user.

16. The method of claim 15, wherein the enhanced content is news, weather, and/or sports information.

17. The method of claim 15, wherein the enhanced content is access to electronic mail.

18. The method of claim 15, wherein the enhanced content is Internet access.

19. The method of claim 15, wherein the enhanced content is access to a ticket brokerage.

20. The method of claim 15, wherein the enhanced content is financial information.

23. The method of claim 15, further comprising:

providing ATM journal information directly from the ATM via a communications link on demand.

24. The method of claim 15 further comprising:

monitoring the ATM in real time;

recording events occurring at the ATM.

21. The method of claim 21, further comprising:

monitoring the flow of content to and from the ATM.

22. The method of claim 21, further comprising:

providing data storage for information from the remote data provider.

27. The method of claim 26, further comprising:

determining trends of user and ATM activity;

modifying ATM capabilities based on the trends.