Electronic fund transfer or transaction system

• US 20030209599A1
• Filed: 06/12/2003
• Published: 11/13/2003
• Est. Priority Date: 04/13/1995
• Status: Active Grant

• Current Assignee: Millennium Commerce, LLC (Dominion Harbor Enterprises, LLC)
• Original Assignee: Arigern Capital LLC (Intellectual Ventures LLC)
• Inventors: Gatto, James G.
• Granted Patent: US 7,665,656 B2
• Time in Patent Office: Days
• US Class Current: 235/379
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/1085 involving automatic teller machines [ATMs]
• CPC Class Codes: G06Q 20/18 involving self-service terminals [SST], vending machines, kiosks or multimedia terminals
• CPC Class Codes: G06Q 20/204 comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G07F 19/20 Automatic teller machines [ATMs]

Abstract

An electronic fund transfer (EFT) system capable of displaying a menu including one or more user-defined custom transactions associated with an identification card so that the user can select a desired transaction by a single selection or with limited inputs. The transactions may be defined by a user during a set-up/authorization operation and/or may be stored based on transactions performed by the user. Additionally, the transactions may be stored on the identification card, in a local memory of a transaction terminal and/or in a system memory of the EFT system. A single identification card may be used to enable the user to select from a plurality of financial accounts with different institutions. Another asset of an ATM system and method comprises a graphical user interface that enables a user to select a transaction type and the transaction parameters necessary to define that transaction from a single display. By use of a pointing device (and possibly other input devices), the user can select or change selections for the transaction type and/or transaction parameters. Preferably, the display is created using object-oriented programming and has a plurality pf objects corresponding to the transaction type and transaction parameters. Using the pointing device, the user selects the transaction type. Once the transaction type is selected, the transaction parameters necessary to define the selected transaction type are selected. The ATM system may preselect transaction types and/or transaction parameters based on stored information relating to the user (such as a previous transaction or other information). If the selections are as the user desires them to be for the desired transaction, then the user can simply click on a command button (e.g. a button labeled “OK”) to cause the transaction to be executed. This potentially reduces the number of inputs or selections that a user must make to execute a desire transaction.

Claims

1. An automated teller machine system comprising:

a controller;

a display operatively connected to the controller, wherein said controller causes the display to display a graphical user interface comprising a single display screen comprising transaction choices including a transaction type and one or more transaction parameters; and

input means for enabling a user to provide input to the controller to select from the transaction choices displayed on the display screen a transaction type and transaction parameters for the selected transaction type.

2. The system of claim 1 wherein the input means comprises a pointing device.

3. The system of claim 1 wherein the display screen comprises means for selecting a transaction type.

4. The system of claim 1 wherein the display screen comprises means for selecting an account to be used in the selected transaction.

5. The system of claim 1 wherein the display screen comprises means for entering a dollar amount for the selected transaction.

6. The system of claim 1 wherein the display screen comprises means for selecting whether a record of the selection transaction should be printed for the user.

7. The system of claim 1 wherein the display screen comprises means for displaying a list of recent transactions performed by the user.

8. The system of claim 1 wherein the display screen comprises means for enabling a user to enter a memo regarding the selected transaction.

9. The system of claim 1 wherein the controller predicts the transaction type that the user will select and causes the display screen to display the predicted transaction type as the selected transaction type.

10. The system of claim 1 wherein the controller predicts one or more transaction parameters that the user will select and causes the display screen to display the one or more predicted transaction parameters as selected transaction parameters.

11. The system of claim 1 wherein the controller causes the display screen to display a predicted transaction type and one or more transaction parameters for that transaction.

12. An automated teller machine system comprising:

a controller;

a display operatively connected to the controller; and

a pointing device for enabling a user to provide input to the controller to select from the display at least one of a transaction type and one or more transaction parameters for the selected transaction.

13. In an automated teller machine system, a method comprising the steps of:

displaying a graphical user interface comprising a single display screen including choices corresponding to a transaction type and one or more transaction parameters;

selecting from the display screen a transaction type and one or more transaction parameters to define the selected transaction; and

executing the transaction based on the selected transaction parameters.

14. The method of claim 13 wherein the selecting step comprises using a pointing device to select the transaction type and transaction parameters to define the selected transaction.

15. The method of claim 13 wherein the step of displaying comprises displaying a list of recent transactions performed by the user.

16. The method of claim 13 wherein the step of displaying comprises displaying a predicted transaction type.

17. The method of claim 13 wherein the step of displaying comprises displaying one or more predicted transaction parameters.

18. The method of claim 13 wherein the step of displaying comprises displaying a predicted transaction type and one or more transaction parameters for that transaction.