Banking system controlled responsive to data bearing records

• US 20110215142A1
• Filed: 04/28/2011
• Published: 09/08/2011
• Est. Priority Date: 11/27/1996
• Status: Abandoned Application

• Current Assignee: Diebold Incorporated (Diebold Nixdorf, Incorporated)
• Original Assignee: Diebold Incorporated (Diebold Nixdorf, Incorporated)
• Inventors: Drummond, Jay Paul, Block, James, Smith, Mark D., Shepley, Steven, Reed, Bryan, Usner, Robert, Cwikla, Joseph
• Application Number:
  US13/066,949
• Publication Number:
  US 20110215142A1
• 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: G06F 9/465 Distributed object oriented systems remote method invocation [RMI] G06F9/548
• 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 20/042 characterized in that the payment protocol involves at least one cheque
• 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 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: 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 19/209 Monitoring, auditing or diagnose of functioning of ATMs
• CPC Class Codes: G07F 19/21 Retaining of the payment card by ATMs
• CPC Class Codes: G07F 19/211 Software architecture within ATMs or in relation to the ATM network
• CPC Class Codes: H04L 63/08 for authentication of entities cryptographic mechanisms or cryptographic arrangements for entity authentication H04L9/32
• CPC Class Codes: H04L 63/0853 using an additional device, e.g. smartcard, SIM or a different communication terminal cryptographic mechanisms or cryptographic arrangements for entity authentication involving additional secure or trusted devices H04L9/3234
• CPC Class Codes: H04L 63/12 Applying verification of the received information cryptographic mechanisms or cryptographic arrangements for data integrity or data verification H04L9/32
• 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 67/564 : Enhancement of application control based on intercepted application data
• CPC Class Codes: H04L 69/32 : Architecture of open systems interconnection [OSI] 7-layer type protocol stacks, e.g. the interfaces between the data link level and the physical level
• 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 operates to cause financial transfers responsive to data read from data bearing records. The automated banking machine includes a card reader operative to read card data from user cards corresponding to financial accounts. The automated banking machine also includes a display and a printer to produce records of financial transactions carried out with the machine. The card reader is operative to read and return card information read from the user card responsive to communications received from components executing in a virtual machine.

Claims

1. Apparatus comprising:

an automated banking machine, wherein the automated banking machine is operative responsive to data read from data bearing records to cause financial transfers, wherein the automated banking machine includes;

a card reader, wherein the card reader is operative to read card information from user cards; and

a cash dispenser,

at least one computer,

a virtual machine operative in the at least one computer, wherein the virtual machine includes software components that are operative to execute in the virtual machine, wherein at least one of the software components executing in the virtual machine is operative to cause the at least one computer to communicate with the card reader to cause the card reader to operate to return card information read from a user card to the at least one software component, wherein the at least one software component executing in the virtual machine is operative to receive communications from the card reader that include card information read from the user card.

2. The apparatus according to claim 1, wherein the software components include at least one terminal application software component that executes in the virtual machine.

3. The apparatus according to claim 2, wherein the software components include eXtensions for Financial Services (XFS) software components that execute in the virtual machine.

4. The apparatus according to claim 3, wherein the at least one terminal application software component is operative in the virtual machine to communicate commands to at least one of the XFS software components, to cause the at least one XFS software component to communicate with the card reader.

5. The apparatus according to claim 4, wherein the software components include device services software components that execute in the virtual machine.

6. The apparatus according to claim 5, wherein at least one of the device services software components corresponds to a card reader device driver.

7. The apparatus according to claim 6, wherein the at least one XFS software component is operative in the virtual machine responsive to commands received from the at least one terminal application software component to cause the card reader device driver to communicate with the card reader.

8. The apparatus according to claim 7, wherein the software components include at least one Open Device Services (ODS) software component that executes in the virtual machine.

9. The apparatus according to claim 8, wherein the at least one ODS software component is operative responsive to commands received from the at least one terminal application software component to communicate commands to the at least one XFS software component, which commands cause the card reader device driver to communicate with the card reader.

10. The apparatus according to claim 9, wherein the software components include a plurality of card reader ODS software components that are operative to execute in the virtual machine, wherein the plurality of card reader ODS components are responsive to the same commands from the at least one terminal application software component to communicate respective different commands to the at least one XFS software component, which different commands are operative to control respective different types of card readers.

11. The apparatus according to claim 2, wherein the virtual machine includes a Java virtual machine operative in the at least one computer.

12. The apparatus according to claim 11, wherein the at least one terminal application software component includes a Java software component that is operative to execute in the Java virtual machine.

13. The apparatus according to claim 12, wherein the Java software component includes a Java Applet.

14. The apparatus according to claim 12, wherein the software components include a J/XFS Kernel.

15. The apparatus according to claim 2, further comprising a Windows Open Services Architecture/eXtensions for Financial Services (WOSA/XFS) manager software component operative in the at least one computer.

16. A method carried out in connection with an automated banking machine that operates responsive to data read from data bearing records to cause financial transfers, comprising:

through operation of the at least one software component executing in a virtual machine that is operating in at least one computer, causing the at least one computer to communicate with a card reader included in an automated banking machine to cause the card reader to operate to return card information read from a user card to the at least one software component, wherein the automated banking machine further includes a cash dispenser; and

through operation of the at least one software component executing in the virtual machine that is operating in at least one computer, receiving with the at least one software component communications from the card reader that include card information read from the user card.