AUTOMATED BANKING MACHINE THAT OPERATES RESPONSIVE TO DATA BEARING RECORDS

• US 20140108245A1
• Filed: 12/17/2013
• Published: 04/17/2014
• Est. Priority Date: 11/27/1996
• Status: Active Grant

• Current Assignee: Diebold Nixdorf, Incorporated
• Original Assignee: Diebold Self-Service Systems (Diebold Nixdorf, Incorporated)
• Inventors: DRUMMOND, Jay Paul, SMITH, Mark D., MEFFIE, Michael A., WASIL, Daniel D.
• Granted Patent: US 9,679,278 B2
• Time in Patent Office: Days
• US Class Current: 705/43
• 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: 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 20/047 using payment protocols involving electronic receipts
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/1085 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 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• 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 19/211 Software architecture within ATMs or in relation to the ATM network
• CPC Class Codes: G07G 5/00 Receipt-giving machines cash registers giving receipts G07G1/00
• 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 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 67/568 : Storing data temporarily at an intermediate stage, e.g. caching
• CPC Class Codes: H04L 69/329 : in the application layer [OSI layer 7]
• CPC Class Codes: H04L 9/40 : Network security protocols

Abstract

A banking system controlled responsive to data bearing records includes a card reader that can read identifying data from user cards. The system can authorize operation of an automated banking machine responsive to the read data. The system can provide an electronic transaction receipt to the machine user. A bank computer is operable to submit the receipt to a system address on record with the bank. The address can correspond to an e-mail address, phone number, or other address associated with an account involved in the transaction. The receipt can also include an image associated with the transaction. The system cal also operate to image a check deposited at the machine, and then electronically send the image to the check maker, the payee, and/or a clearinghouse.

Claims

1. A non-transitory, tangible computer readable medium of instructions with instructions encoded thereon for execution by a processor and when executed operable to:

obtain data representative of a user requesting to perform a financial transaction at an automated banking machine;

determine a financial account associated with the user for performing the financial transaction;

perform the financial transaction;

determine that the user desires an electronic receipt of the financial transaction; and

cause the electronic receipt to be sent to an electronic address associated with the user;

wherein the receipt comprises data representative of the financial transaction.

2. The computer readable medium set forth in claim 1, the instructions further operable to:

send a first message to a remote server with data representative of the user; and

receive a response from the remote server, the response comprising data indicating the user desires the electronic receipt;

wherein the data representative of the financial transaction is sent to the remote host to cause the electronic receipt to be sent to the electronic address associated with the user.

3. The computer readable medium set forth in claim 1, the instructions further operable to receive from a user interface associated with the automated banking machine data representative of the electronic address;

wherein the wherein the data representative of the financial transaction and the electronic address are sent to a remote host to cause the electronic receipt to be sent to the electronic address associated with the user.

4. The computer readable medium set forth in claim 1, the instructions are further operable to obtain data representative of an image for an item deposited at the automated banking machine;

wherein the electronic receipt further comprises data representative of the image for the item deposited at the automated banking machine.

5. The computer readable medium set forth in claim 1, wherein the electronic address associated with the user is selected from a group consisting of a telephone number, a text message address, an e-mail address, an Internet address, a portable communication device address, a portable computer address, and a home computer address.

6. The computer readable medium set forth in claim 1, wherein the electronic receipt is selected from a group consisting of an audio message, a text message, and an e-mail message.

7. The computer readable medium set forth in claim 1, wherein the instructions are further operable to:

operate a user interface to request the user input data indicating whether the user desires an electronic receipt; and

operate a user interface to request a user input a telephone number responsive to receiving user input data indicating the user desires an electronic receipt

8. A non-transitory, tangible computer readable medium of instructions with instructions encoded thereon for execution by a processor and when executed operable to:

obtain data representative of a user from an automated banking machine;

determine whether the user has requested an electronic receipt;

send a response to the automated banking machine indicating that the user has requested an electronic receipt;

receive from the automated banking machine data representative of a financial transaction performed by the automated banking machine for the user; and

cause an electronic receipt to be sent to an electronic address associated with the user;

wherein the electronic receipt comprises data representative of the financial transaction performed by the automated banking machine.

9. The computer readable medium set forth in claim 8, wherein the transaction receipt comprises data representative of a type of financial transaction.

10. The computer readable medium set forth in claim 9, wherein the transaction receipt comprises data representative of an account associated with the financial transaction.

11. The computer readable medium set forth in claim 10, wherein the transaction receipt comprises an amount of the financial transaction.

12. The computer readable medium set forth in claim 8, wherein the electronic address is obtained from a data store.

13. The computer readable medium set forth in claim 8, wherein the electronic address is obtained from the automated banking machine.

14. The computer readable medium set forth in claim 13, the instructions are further operable to:

compare the electronic address obtained from the automated banking machine with an electronic address stored in a data store; and

update the electronic address in store the data store with the address obtained form the automated banking machine responsive to determining the electronic address obtained from the automated banking machine is different than the electronic address stored in the data store.

15. An apparatus, comprising:

a processor operable to communicate with an automated banking machine;

wherein the processor is operable to obtain data representative of a user from the automated banking machine;

wherein the processor is operable to determine whether the user has requested an electronic receipt;

wherein the processor is operable to send a response to the automated banking machine indicating that the user has requested an electronic receipt;

wherein the processor is operable to receive from the automated banking machine data representative of a financial transaction performed by the automated banking machine for the user; and

wherein the processor is operable to cause an electronic receipt to be sent to an electronic address associated with the user;

wherein the electronic receipt comprises data representative of the financial transaction performed by the automated banking machine.

16. The apparatus set forth in claim 15, wherein the transaction receipt comprises data representative of a type of financial transaction.

17. The apparatus set forth in claim 16, wherein the transaction receipt comprises data representative of an account associated with the financial transaction and an amount of the financial transaction.

18. The apparatus set forth in claim 15, further comprising a data store;

wherein the processor is operable to obtain the electronic address from the data store.

19. The apparatus set forth in claim 15, wherein the electronic address is obtained from the automated banking machine.

20. The apparatus set forth in claim 19, wherein the processor is further operable to:

compare the electronic address obtained from the automated banking machine with an electronic address stored in a data store; and

update the electronic address in store the data store with the address obtained form the automated banking machine responsive to determining the electronic address obtained from the automated banking machine is different than the electronic address stored in the data store.