BANKING APPARATUS CONTROLLED RESPONSIVE TO DATA BEARING RECORDS

• US 20120286032A1
• Filed: 04/27/2011
• Published: 11/15/2012
• Est. Priority Date: 10/12/2001
• Status: Active Grant

• Current Assignee: Diebold Nixdorf, Incorporated
• Original Assignee: Diebold Incorporated (Diebold Nixdorf, Incorporated)
• Inventors: Schuster, Ray, Vaishnav, Dolar Harshadrai, Tula, Pedro, Cole, Bill A.
• Granted Patent: US 8,308,057 B1
• Time in Patent Office: Days
• US Class Current: 235/379
• CPC Class Codes: G06Q 20/1085 involving automatic teller machines [ATMs]
• CPC Class Codes: G07F 19/20 Automatic teller machines [ATMs]
• CPC Class Codes: G07F 19/201 Accessories of ATMs
• CPC Class Codes: G09B 21/006 using audible presentation of the information

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 includes a display and a printer to produce records of financial transactions carried out with the machine. The automated banking machine is operative to output a visual and audible user interface which enables a consumer to operate the machine. The exemplary machine may output secure verbal instructions through a wireless headphone placed in operative connection with the 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 data from user cards, wherein the card data corresponds to financial accounts; and

a display;

a cash dispenser;

a keypad; and

a receipt printer; and

at least one processor, wherein the at least one processor is operative to communicate with the card reader, the display, the cash dispenser, the keypad, and the receipt printer, wherein the at least one processor is responsive to data read from the user card through operation of the card reader to determine information usable to establish wireless communications with an external wireless device that is operative to output audible sounds responsive to the wireless communications, which wireless communications include audio signals with verbal instructions describing respectively different inputs that when received through operation of the keypad, cause the automated banking machine to carry out respectively different functions.

2. The apparatus according to claim 1, wherein the at least one processor is operative to determine information including an address associated with the external wireless device responsive to data read from the user card.

3. The apparatus according to claim 2, wherein the automated banking machine includes a wireless communication device, wherein the at least one processor is operative responsive to the determined address to operate the wireless communication device to establish wireless encrypted communications with the external wireless device.

4. The apparatus according to claim 1, wherein at least one of the respective different functions includes dispensing cash through operation of the cash dispenser.

5. 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 data from user cards, wherein the card data corresponds to financial accounts;

a display;

a cash dispenser;

a keypad;

a headphone jack;

a receipt printer; and

a wireless communication device; and

at least one processor, wherein the at least one processor is operative to communicate with the card reader, the display, the cash dispenser, the keypad, the receipt printer, and the wireless communication device, wherein the at least one processor is operatively configured to cause the wireless communication device to carry out wireless communications with an external wireless device that is operative to output audible sounds responsive to the wireless communications, which wireless communications include audio signals with verbal instructions describing respectively different inputs that when received through operation of the keypad, cause the automated banking machine to carry out respectively different functions.

6. The apparatus according to claim 5, wherein the external wireless device includes a headphone.

7. The apparatus according to claim 5, wherein the at least one processor is to operate to carry out a handshaking protocol with the external wireless device to establish wireless encrypted communications with the external wireless device, which protocol enables the external wireless device to decrypt the audio signals included in the wireless encrypted communications.

8. The apparatus according to claim 7, wherein the at least one processor is responsive to an input to the automated banking machine to determine an address associated with the external wireless device, wherein the at least one processor is operative to use the address to establish wireless encrypted communications with the external wireless device.

12. The apparatus according to claim 7, wherein the at least one processor is operative to cause the wireless communication device to communicate a unique code to the external wireless device, wherein responsive to the automated banking machine receiving an input of the unique code, the at least one processor is operative to establish encrypted wireless communications with the external wireless device.

13. The method according to claim 7, wherein responsive to a biometric input received with the automated banking machine, the at least one processor is operative to establish encrypted wireless communications with the external wireless device.

14. The apparatus according to claim 5, wherein the wireless communications include a Bluetooth communication.

15. The apparatus according to claim 5, wherein the wireless communications include an IEEE 802.11 communication.

16. The method according to claim 5, wherein the automated banking machine includes at least one external loudspeaker, wherein the at least one processor is operative to cause the at least one external loudspeaker to produce audible outputs, wherein responsive to establishing wireless communications with the wireless device, the at least one process is operative to mute audible outputs through the at least one external loudspeaker.

9. Apparatus comprising:

an automated banking machine, wherein the automated banking machine is operative responsive at least in part 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 data from user cards, wherein the card data corresponds to financial accounts;

a display;

a cash dispenser;

a keypad;

a receipt printer; and

a wireless communication device; and

at least one processor, wherein the at least one processor is operative to communicate with the card reader, the display, the cash dispenser, the keypad, the receipt printer, and the wireless communication device, wherein the at least one processor is operatively configured to cause the wireless communication device to carry out wireless communications with an external wireless device that is operative to output audible sounds responsive at least in part to the wireless communications, which wireless communications include audio signals with verbal instructions describing respectively different inputs that when received through operation of the keypad, cause the automated banking machine to carry out respectively different functions, wherein the at least one processor is to operate to carry out a handshaking protocol with the external wireless device to establish wireless encrypted communications with the external wireless device, which protocol enables the external wireless device to decrypt the audio signals included in the wireless encrypted communications, wherein the at least one processor is operative to establish wireless encrypted communications with the external wireless device responsive at least in part to data read from a user card through operation of the card reader.

10. The apparatus according to claim 9, wherein the at least one processor is responsive to data read from the user card to determine an encryption key associated with the external wireless device, wherein the at least one processor is operative to use the encryption key to establish wireless encrypted communications with the external wireless device.

11. The apparatus according to claim 9, wherein the at least one processor is responsive to data read from the user card to determine a digital certificate associated with the external wireless device, wherein the at least one processor is operative to use the digital certificate to establish wireless encrypted communications with the external wireless device.

17. Apparatus comprising:

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

a plurality of input devices including;

a card reader, wherein the card reader is operative to read card data from user cards, wherein the card data corresponds to financial accounts; and

a keypad;

a display;

a cash dispenser; and

a receipt printer; and

at least one processor, wherein the at least one processor is operative to communicate with the input devices, the display, the cash dispenser, and the receipt printer, wherein the at least one processor is operative responsive at least in part to an input received through operation of at least one of the input devices to determine information usable to establish wireless communications with an external wireless device that is operative to output audible sounds responsive at least in part to the wireless communications, which wireless communications include audio signals with verbal instructions describing respectively different inputs that when received through operation of the keypad, cause the automated banking machine to carry out respectively different functions.

18. The apparatus according to claim 17, wherein the at least one processor is operative to determine information including an address associated with the external wireless device response to data read from a user card through operation of the card reader.

19. The apparatus according to claim 18, wherein the automated banking machine includes a wireless communication device, wherein the at least one processor is operative responsive at least in part to the determined address to use the wireless communication device to establish wireless encrypted communications with the external wireless device.