Combination ATM/Vending Machine Kiosk
First Claim
1. A method providing a combination of an ATM and vending machine kiosk with banking services comprising:
- a combination ATM and a vending machine with connection to a multi-user network consisting of;
a plurality of vending spaces,products for vending;
a credit card slot;
one or more display screens;
the ability to accept cash, credit/debit card, or access bank accounts;
providing one or more ATM/vending machine kiosks located at identified locations connected to each other via the multi-user network;
transferring money from one machine to another, between accounts, or from one party to another by;
depositing cash into the machine;
providing the machine with a routing number and account number to send money to a cash debit card;
ordepositing cash into the machine to generate the issuance of a check or money order; and
after an ATM transaction, a display screen automatically provides a prompt to initiate a purchase of a product from the ATM/vending machine kiosk;
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Accused Products
Abstract
An all-purpose ATM kiosk/vending machine network that services the unbanked and underbanked markets, that will enables wireless transactions and processing of currency, pre-paid cash debit cards, and online banking. The concept can be applied to any vending machine product such as sodas, beverages, gasoline, candy, postage stamps, and more with the following features and benefits: Full service ATM/Vending, Issue cash debit cards, Transfer funds from one machine to another Issues and prints money orders, Bill paying GPS travel directions, Advertising on LCD screen, Purchase sporting/event tickets Reload cell phone pre-paid cards, Purchase beverage or gas, Wireless Internet access, and Bank-to-bank wire transfers. The present invention will provide financial services solutions to sub-prime prospects and the unbanked. The present invention will also provide online/wireless banking, prepaid cards, and secured lending products to customers who may not qualify for conventional bank unsecured lending products, or whose needs cannot be met by traditional lenders.
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Citations
20 Claims
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1. A method providing a combination of an ATM and vending machine kiosk with banking services comprising:
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a combination ATM and a vending machine with connection to a multi-user network consisting of; a plurality of vending spaces, products for vending; a credit card slot; one or more display screens; the ability to accept cash, credit/debit card, or access bank accounts; providing one or more ATM/vending machine kiosks located at identified locations connected to each other via the multi-user network; transferring money from one machine to another, between accounts, or from one party to another by; depositing cash into the machine; providing the machine with a routing number and account number to send money to a cash debit card;
ordepositing cash into the machine to generate the issuance of a check or money order; and after an ATM transaction, a display screen automatically provides a prompt to initiate a purchase of a product from the ATM/vending machine kiosk; - View Dependent Claims (2, 3, 4, 5, 6, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20)
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- 7. The method of claim 7 wherein, the ATM/vending machine kiosk provide money transfer to a computerize check or cash debit card which is then cashed at any ATM/vending machine.
Specification