Cash dispensing automated banking machine and method

• US 20040129775A1
• Filed: 12/17/2003
• Published: 07/08/2004
• Est. Priority Date: 11/27/1996
• Status: Active Grant

• Current Assignee: Diebold Incorporated (Diebold Nixdorf, Incorporated)
• Original Assignee: Diebold Incorporated (Diebold Nixdorf, Incorporated)
• Inventors: Drummond, Jay Paul, Blackson, Dale, Smith, Mark D., Cichon, Bob A., Moales, Mark A., Covert, Mark S., Joyce, Shawn D., Moore, Phillip S., Swingler, Steven C., Lepper, Bradrick Q., Lemley, Robert J., Chen, Lilei, Califf, Michael E. Jr.
• Granted Patent: US 6,873,973 B2
• Time in Patent Office: Days
• US Class Current: 235/379
• CPC Class Codes: G06F 16/95 Retrieval from the web
• CPC Class Codes: G06F 3/023 Arrangements for converting discrete items of information into a coded form, e.g. arrangements for interpreting keyboard generated codes as alphanumeric codes, operand codes or instruction codes
• CPC Class Codes: G06F 3/04895 Guidance during keyboard input operation, e.g. prompting
• CPC Class Codes: G06Q 20/00 Payment architectures, schemes or protocols apparatus for performing or posting payment transactions G07F7/08, G07F19/00; electronic cash registers G07G1/12
• CPC Class Codes: G06Q 20/027 involving a payment switch or gateway
• CPC Class Codes: G06Q 20/042 characterized in that the payment protocol involves at least one cheque
• CPC Class Codes: G06Q 20/0855 involving a third party
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/102 Bill distribution or payments
• CPC Class Codes: G06Q 20/105 involving programming of a portable memory device, e.g. IC cards, "electronic purses"
• CPC Class Codes: G06Q 20/108 Remote banking, e.g. home banking
• 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 20/209 Specified transaction journal output feature, e.g. printed receipt or voice output
• CPC Class Codes: G06Q 20/3678 e-cash details, e.g. blinded, divisible or detecting double spending
• CPC Class Codes: G06Q 20/382 insuring higher security of transaction
• CPC Class Codes: G06Q 20/401 Transaction verification
• CPC Class Codes: G06Q 30/06 Buying, selling or leasing transactions
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: G06Q 40/12 Accounting
• CPC Class Codes: G07F 19/20 : Automatic teller machines [ATMs]
• CPC Class Codes: G07F 19/201 : Accessories of ATMs
• CPC Class Codes: G07F 19/206 : Software aspects at ATMs
• CPC Class Codes: G07F 19/211 : Software architecture within ATMs or in relation to the ATM network
• CPC Class Codes: H04L 63/0236 : Filtering by address, protocol, port number or service, e.g. IP-address or URL
• CPC Class Codes: H04L 67/02 : based on web technology, e.g. hypertext transfer protocol [HTTP]
• CPC Class Codes: H04L 67/12 : specially adapted for proprietary or special-purpose networking environments, e.g. medical networks, sensor networks, networks in vehicles or remote metering networks
• CPC Class Codes: H04L 67/34 : involving the movement of software or configuration parameters network booting or remote initial program loading [RIPL] G06F9/4416
• CPC Class Codes: H04L 67/563 : Data redirection of data network streams
• CPC Class Codes: H04L 69/329 : in the application layer [OSI layer 7]
• CPC Class Codes: H04L 9/40 : Network security protocols

Abstract

An automated banking machine (12) is operative to conduct transactions in response to HTML documents and TCP/IP messages exchanged with a local computer system (14) through an intranet (16), as well as in response to messages exchanged with foreign servers (20, 22, 24, 26, 28, 96) in a wide area network (18). The banking machine includes a computer (34) having an HTML document handling portion (76, 80, 82). The HTML document handling portion is operative to communicate through a proxy server (88), with a home HTTP server (90) in the intranet or the foreign servers in the wide area network. The computer further includes a device application portion (84) which interfaces with the HTML document handling portion and dispatches messages to operate devices (36) in the automated banking machine. The devices include a sheet dispenser mechanism (42) which dispenses currency as well as other transaction devices. The device application portion communicates with a device interfacing software portion (64) in the banking machine through a device server (92) in the intranet. The device server maintains local control over the devices in the banking machine including the sheet dispenser. The banking machine operates to read indicia on the user'"'"'s card corresponding to a system address. The computer is operative to connect the banking machine to the home or foreign server corresponding to the system address, which connected server operates the banking machine until the completion of transactions by the user.

Claims

1. Apparatus comprising:

an automated transaction machine, including;

an output device, wherein the output device outputs information, whereby a user is enabled to perceive outputs from the output device;

an input device, wherein the input device is operate to receive inputs, whereby a user is enabled to provide inputs to the machine;

a transaction function device, wherein the transaction function device is selectively operative to carry out a transaction function;

a computer, wherein the computer is in operative connection with the output device, the input device and the transaction function device;

software executable in the computer, wherein the software includes a browser, wherein the browser is operative to process HTML documents including instructions therein, and wherein the transaction function device is operative to carry out the transaction function responsive to the browser processing a document including an instruction to operate the transaction function device.

2. The apparatus according to claim 1 wherein the transaction function device includes a sheet dispenser.

3. The apparatus according to claim 1 wherein the transaction function device includes a card reader.

4. The apparatus according to claim 1 wherein the transaction function device includes a printer.

5. The apparatus according to claim 1 wherein the transaction function device includes a depository.

6. The apparatus according to claim 1 wherein the transaction function device includes a keyboard.

7. The apparatus according to claim 1 wherein the software is operative responsive to an instruction to access an HTTP record address, wherein the HTTP record address corresponds to an HTTP record including instructions for operating the transaction function device.