Card activated cash dispensing automated banking machine method

• US 20070276754A1
• Filed: 05/07/2007
• Published: 11/29/2007
• Est. Priority Date: 03/07/2001
• Status: Abandoned Application

• Current Assignee: Diebold Incorporated (Diebold Nixdorf, Incorporated)
• Original Assignee: Diebold Incorporated (Diebold Nixdorf, Incorporated)
• Inventors: Smith, Mark, Parmelee, Christopher
• Application Number:
  US11/800,688
• Publication Number:
  US 20070276754A1
• Time in Patent Office: Days
• US Class Current: 705/43
• 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 20/367 involving electronic purses or money safes
• CPC Class Codes: G06Q 20/3672 initialising or reloading thereof
• CPC Class Codes: G06Q 20/3674 involving authentication
• CPC Class Codes: G06Q 20/382 insuring higher security of transaction
• CPC Class Codes: G06Q 20/3821 Electronic credentials
• CPC Class Codes: G06Q 20/3825 Use of electronic signatures
• CPC Class Codes: G06Q 20/389 Keeping log of transactions for guaranteeing non-repudiation of a transaction
• CPC Class Codes: G06Q 20/4037 Remote solvency checks
• CPC Class Codes: G06Q 99/00 Subject matter not provided for in other groups of this subclass
• CPC Class Codes: G07F 19/20 Automatic teller machines [ATMs]
• CPC Class Codes: G07F 19/201 Accessories of ATMs
• CPC Class Codes: G07F 19/202 Depositing operations within ATMs depositing in general G07D11/00
• CPC Class Codes: G07F 7/08 by coded identity card or credit card or other personal identification means without personal verification means G07F7/02
• CPC Class Codes: H04L 2209/56 Financial cryptography, e.g. electronic payment or e-cash
• CPC Class Codes: H04L 2209/80 Wireless
• CPC Class Codes: H04L 9/3247 involving digital signatures
• CPC Class Codes: H04L 9/3263 involving certificates, e.g. public key certificate [PKC] or attribute certificate [AC]; Public key infrastructure [PKI] arrangements network architectures or network communication protocols for supporting authentication of entities using certificates in a packet data network H04L63/0823

Abstract

A card activated cash dispensing automated banking machine such as an ATM is provided. The ATM is operative to receive and display on a display device of the ATM, electronic documents. The ATM may be in operative connection with a storage server. The storage server is operative responsive to the ATM to maintain electronic documents in a data store in association with the user'"'"'s financial account such as checking, savings, debit, or credit account.

Claims

1. A method of operating a card activated automated banking machine including a card reader, a cash dispenser, and a display screen, the method comprising:

a) receiving a financial account number from a financial card through operation of the card reader of the automated banking machine;

b) displaying a visual representation of an electronic financial document through operation of the display screen of the automated banking machine;

c) causing through operation of the automated banking machine, the electronic financial document displayed in (b) to be stored;

i) in at least one data store remote from the automated banking machine;

ii) in correlated relation with the financial account number received in (a);

which at least one data store is accessible to at least one server operative to provide access through the Internet to financial information associated with the financial account number received in (a), which financial information includes at least one visual image of the electronic financial document stored in the at least one data store.

2. The method according to claim 1, further comprising:

d) through operation of the at least one server, providing instructions for displaying at least one web page through a browser, which web page displays the at least one image of the electronic financial document stored in the at least one data store in (c).

3. The method according to claim 2, further comprising:

e) prior to (d), through operation of the at least one server, enabling a user associated with the financial account number to provide a password through operation of a remote computer, wherein the remote computer includes the browser.

4. The method according to claim 1, wherein the financial account number is associated with a financial account.

5. The method according to claim 4, wherein the financial account number is associated with a checking account.

6. The method according to claim 4, wherein the financial account number is associated with a credit card account.

7. The method according to claim 4, wherein the financial account number is associated with a debit card account.

8. The method according to claim 4, wherein the financial account number is associated with savings account.

9. The method according to claim 1, wherein in (a) the financial card includes at least one of a bank card, a credit card, and a debit card.

10. The method according to claim 1, wherein in (b) the electronic financial document includes a loan.

11. The method according to claim 1, wherein in (b) the electronic financial document includes a mortgage.

12. The method according to claim 1, wherein in (a) the automated banking machine includes a depository mechanism.

13. The method according to claim 12, further comprising:

d) operating the depository mechanism to receive a deposit of a financial document.

14. The method according to claim 12, further comprising:

d) operating the depository mechanism to receive a check.

15. The method according to claim 14, further comprising:

e) operating the cash dispenser to dispense cash.