Method of authorizing automated banking machine use responsive to user data read from data bearing records

• US 20100088230A1
• Filed: 09/30/2009
• Published: 04/08/2010
• Est. Priority Date: 11/27/1996
• Status: Active Grant

• Current Assignee: Diebold Nixdorf, Incorporated
• Original Assignee: Diebold Incorporated (Diebold Nixdorf, Incorporated)
• Inventors: Drummond, Jay Paul, Smith, Mark D., Cichon, Bob A., Weis, David
• Granted Patent: US 7,891,555 B2
• Time in Patent Office: Days
• US Class Current: 705/43
• CPC Class Codes: G06Q 20/027 involving a payment switch or gateway
• 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 20/108 Remote banking, e.g. home banking
• CPC Class Codes: G06Q 20/1085 involving automatic teller machines [ATMs]
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03
• 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 67/02 based on web technology, e.g. hypertext transfer protocol [HTTP]

Abstract

An automated banking machine operates responsive to data read from data bearing records, such as user cards, to cause machine user authorization and financial transfers. Account data read from a user card is associated in a data store with a server address, where a document is located. The document includes machine instructions for displaying a customer interface uniquely associated with the particular banking institution where the user holds the account. The customer interface includes user-selectable transaction options. The arrangement enables the customer interface of the user'"'"'s home bank, with which the user is familiar, to also be automatically displayed to the user when the user operates automated banking machines of other banks.

Claims

1. A method comprising the steps of:

(a) operating a card reader device of an automated banking machine associated with a first banking institution to read card data associated with a second banking institution with which a customer operating the machine has a financial account,

wherein the machine includes a display device operative to output different customer interfaces including at least a first banking institution customer interface and a second banking institution customer interface,

wherein the first banking institution customer interface and the second banking institution customer interface each include user-selectable transaction options,

wherein the machine includes at least one computer in operative connection with the card reader device and the display device, wherein the at least one computer is operative to both cause the card data to be compared with card information stored in at least one data store in authorizing the customer to carry out a transaction and cause a funds transfer involving the financial account;

(b) operating the machine to receive at least one document that is associated in the at least one data store with the card data read in step (a), wherein the at least one document corresponds to the second banking institution customer interface; and

(c) responsive at least in part to the at least one document received in step (b), operating the machine to provide the second banking institution customer interface through the display device.

2. The method according to claim 1

wherein the machine includes a biometric reader device, wherein the at least one computer is operative to cause biometric data read by the biometric reader device to be compared with biometric information in the at least one data store,

wherein the customer is authorized to carry out a transaction responsive at least in part to both

computer-determined correspondence between the card data and the card information, and

computer-determined correspondence between the biometric data and the biometric information.

3. The method according to claim 1 wherein the machine includes a browser,

wherein the at least one document received in step (b) includes instructions for producing at least one display screen uniquely associated with the second banking institution customer interface, and further comprising:

(d) processing the at least one document received in step (b) with the browser to produce the instructions;

wherein in step (c) the at least one computer operates responsive at least in part to the instructions to cause the at least one display screen to be output through the display device.

4. The method according to claim 1 and further comprising:

(d) charging the customer a non-customer fee for use of the machine.

5. The method according to claim 1 wherein the first banking institution includes a plurality of networked automated banking machines, wherein the first banking institution customer interface comprises a default user interface for each of the plurality of networked automated banking machines.

6. A method comprising:

(a) obtaining account identifying data from a user through operation of at least one reader device of an automated banking machine associated with a first business entity, wherein the machine includes at least one computer and a display device,

wherein the display device is operative to display a first user interface that has been established as a primary user interface for banking machines associated with the first business entity, wherein the first user interface includes user-selectable transaction options,

wherein the display device is operative to display a second user interface that has been established as a primary user interface for banking machines associated with a second business entity, wherein the second user interface includes user-selectable transaction options,

wherein the second user interface visually differs from the first user interface,

wherein the display device is operative to display a third user interface that has been established as a primary user interface for banking machines associated with a third business entity, wherein the third user interface includes user-selectable transaction options,

wherein the third user interface visually differs from both the first user interface and the second user interface; and

(b) either;

(bi) displaying the primary user interface for the machine through the display device, responsive at least in part to the account identifying data obtained in step (a) corresponding to an account associated with the first business entity, or

(bii) displaying a secondary user interface for the machine through the display device, responsive at least in part to the account identifying data obtained in step (a) corresponding to an account associated with either the second business entity or the third business entity,

wherein responsive at least in part to the account being associated with the second business entity, the secondary user interface displayed comprises the second user interface,

wherein responsive at least in part to the account being associated with the third business entity, the secondary user interface displayed comprises the third user interface.

7. The method according to claim 6

wherein (bi) includes operating the machine to obtain home banking system display data from a home banking system,

wherein (bii) includes operating the machine to obtain foreign banking system display data from a foreign banking system which differs from the home banking system.

8. The method according to claim 7

wherein the displaying in (bi) is responsive at least in part to the account identifying data corresponding to an account held at the home banking system,

wherein the displaying in (bii) is responsive at least in part to the account identifying data corresponding to an account held at the foreign banking system.

9. The method according to claim 7 wherein the machine includes a browser,

wherein (bi) further includes

processing the obtained home banking system display data with the browser to produce instructions, and

displaying at least one display screen uniquely associated with the home banking system through the display device responsive at least in part to the instructions.

10. The method according to claim 6 wherein the primary user interface for the machine comprises a default user interface for the machine, wherein in (bi) the default user interface is displayed.

11. The method according to claim 6 wherein (bii) includes displaying a user interface that is unavailable from the first business entity.

12. The method according to claim 6

wherein the second user interface user-selectable transaction options differ from the first user interface user-selectable transaction options,

wherein the third user interface user-selectable transaction options differ from both the first user interface user-selectable transaction options and the second user interface user-selectable transaction options.

13. The method according to claim 6 wherein step (b) includes performing (bii), and further comprising:

(c) charging the user a non-member fee for use of the machine.

14. A method comprising the steps of:

(a) operating at least one computer of an automated banking machine to cause a card reader of the machine to read card data, wherein the card data corresponds to a financial account,

wherein the at least one computer is in operative connection with a display device of the machine, wherein the display device is operative to respectively display different user interfaces, wherein the different user interfaces each include user-selectable transaction options,

wherein the display device is operative to display a first user interface that is associated with a first entity and includes a default user interface for the machine,

wherein the display device is operative to display a second user interface that is associated with a second entity and differs from the first user interface;

(b) operating the at least one computer to cause the display device to display the second user interface, responsive at least in part to the card data read in step (a) corresponding to the second entity.

15. The method according to claim 14 wherein the machine includes a cash dispenser, wherein user selection through at least one user input device of the machine of at least one displayed transaction option of the user-selectable transaction options is operative to cause operation of the cash dispenser and cause the at least one computer to cause a financial transfer involving the financial account.

16. The method according to claim 14 wherein the first user interface uniquely corresponds to a first banking institution, wherein the second user interface uniquely corresponds to a second banking institution.

17. The method according to claim 16 wherein the second banking institution has a name, and wherein step (b) includes displaying the name of the second banking institution.

18. The method according to claim 16 wherein operation of the machine is overseen by the first banking institution, wherein the user data read in step (a) corresponds to a user account held at the second banking institution, and further comprising:

(c) assessing a transaction fee to the user account for use of the machine.

19. The method according to claim 14 wherein the first user interface includes a first arrangement of transaction options, wherein the second user interface includes a second arrangement of transaction options, wherein the second arrangement of transaction options differs from the first arrangement of transaction options.

20. The method according to claim 14 wherein the at least one computer is operative to receive at least one markup language document, and wherein step (b) includes operating the at least one computer to cause the display device to display the second user interface responsive at least in part to receiving at least one markup language document.