Transaction terminal with unlimited range of functions

• US 3,970,992 A
• Filed: 06/25/1974
• Issued: 07/20/1976
• Est. Priority Date: 06/25/1974
• Status: Expired due to Term

• Current Assignee: Interbold A NY General Partnership
• Original Assignee: International Business Machines Corporation
• Inventors: Boothroyd, William A., Sorensen, Boyd W.
• Primary Examiner(s): Canney, Vincent P.
• Application Number:
  US05/483,058
• Time in Patent Office: 756 Days
• Field of Search: 340/172.5, 340/149 A, 340/152 R, 235/61.7 B
• US Class Current: 705/43
• CPC Class Codes: G06Q 20/1085 involving automatic teller machines [ATMs]
• 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

Abstract

A user transaction terminal which may be connected for communication with a large scale data processing system includes a card handling subsystem which receives and transports user information cards; a user communication subsystem which includes a keyboard and an optical display; a hardware control subsystem which operates terminal hardware, a transaction statement subsystem which prints and dispenses written records of user transactions; a terminal communication subsystem which provides communication with a data processing system; a processor support subsystem which assists a control subsystem by performing control functions which are more easily implemented with hardware than software; and a control subsystem which includes a programmed microprocessor which is connected to the other subsystems via an information bus to coordinate and control the operations of the other subsystems. The keyboard includes a plurality of mutually exclusive keyboard fields, each relating to a different type of information. These fields include a function selection field, a from account field, a to account field, and a numeric field. The transaction selection, from account, and to account fields each include an optional selection key, the activation of which permits a user to enter key modifier data corresponding to the field of an activated optional selection key by activating a selected, predetermined combination of keys within the numeric field in accordance with a prearranged schedule. This convenient, simple keyboard thus contains separate keys for the most commonly used information states for each field as well as optional selection keys which greatly expand the information which may be entered without a substantial increase in keyboard complexity.

Claims

1. A transaction execution terminal comprising:

a card handling subsystem which receives cards and reads information stored on received cards under control of a control subsystem;

a selectively variable display operating under control of a control subsystem and displaying information commanded by a control subsystem;

a user keyboard having keys arranged in a plurality of keyboard fields with each keyboard field being related to a predetermined category of user transaction request information and including a plurality of keys each defining different mutually exclusive information states for the cetegory of user transaction request information to which the field relates, one key within at least one field being a variable information state key, the activation of which indicates that the information state indicated thereby is to be determined by a combination of at least one subsequent keyboard key activation in conjunction with a predeteremined schecule correlating key activation combinations with information states; and

a control subsystem which controls the operation of the card handling subsystem and receives account card information therefrom, which commands the display of information on the variable display to aid a terminal user in the use of the terminal, and which receives keyboard key activtion information in a predetermined sequence requiring one information state indication from each of a plurality of successive keyboard fields.

2. The transaction execution terminal as set forth in claim 1 above, wherein one of the keyboard fields is a transaction selection field containing a variable information state key and a plurality of other keys, each other key permitting a different type of transaction request to be indicated by the activation thereof.

3. The transaction execution terminal as set forth in claim 1 above, wherein one of the keyboard fields is a from account field containing a variable information state key and a plurality of other keys, each other key in the from account field permitting a different account from which funds are to be removed to be wholly identified by the activation thereof.

4. The transaction execution terminal as set forth in claim 1 above, wherein one of the keyboard fields is a to account field containing a variable information state key and a plurality of other keys, each other key in the to account field permitting a different account to which funds are to be added to be completely identified by the activation thereof.

5. The transaction execution terminal as set forth in claim 1 above, wherein one of the keyboard fields is a numeric keyboard field including a plurality of numeric keys, each permitting an indication of a different number by the activation thereof and wherein an information state indicated by the activation of a variable information state key is determinable by the subsequent activation of a combination of at least one key within the numeric field.

6. The transaction execution terminal as set forth in claim 1 above, further comprising cash issue subsystem which operates in response to the control subsystem to issue a requested amount of cash to a terminal user and wherein the control subsystem is further controls the cash issue subsystem to cause the issuance of a requested amount of cash in response to the satisfaction of a set of predetermined conditions.

7. The transaction execution terminal as set forth in claim 6 above, wherein the keyboard includes a transaction selection field permitting a requested type of transaction to be indicated by the activation of a key therein, a from account field permitting an account from which funds are to be taken to be indicated by the activation of a key therein, a to account field permitting an account to which funds are to be added to be indicated by the activation of a key therein, and a numeric field permitting a number to be indicated by the selective activation of one or more keys therein, and wherein the transaction selection field, from account field and to account field each include a variable information state key.

8. The transaction execution terminal as set forth in claim 7 above, wherein the transaction selection keyboard field includes a withdraw key, the activation of which indicates a cash issue transaction request;

an account inquiry key, the activation of which indicates a request to have information pertaining to a selected account displayed by the variable display; and

a transfer key, the activation of which indicates a request to have a selected quantity transferred from one account to a different account;

wherein the to account field includes a from checking account key, the activation of which indicates that funds are to be transferred from a user checking account;

a from savings account key, the activation of which indicates that funds are to be transferred from a user savings account; and

a from credit card account key indicating that funds are to be transferred from a user credit card acount; and

wherein the to account keyboard field includes a to checking account key, the activation of which indicates that funds are to be transferred to a user checking account;

a to savings account key, the activation of which indicates that funds are to be transferred to a user savings account; and

a to credit card account key, the activation of which indicates that funds are to be transferred to a user credit card account.

9. The transaction execution terminal as set forth in claim 6 above, further comprising a transaction statement subsystem which operates in response to the control subsystem to issue documents providing written records of executed transactions and wherein the control subsystem further controls the issuance by the transaction statement subsystem of documents providing written records of executed transactions.

10. The transaction execution terminal as set forth in claim 7 above, further comprising a communication subsystem which operates in response to the control subsystem to provide bidirectional communication between the transaction terminal and a central data processing system having a data base storing account information for potential terminal users, and wherein the control subsystem controls the transmission of transaction request information to the central data processing system nd controls the execution of requested transactions in accordance with commands received from the central data processing system.

11. The transaction execution terminal as set forth in claim 2 above, wherein the transactions which may be selected subsequent to the activation of the variable information state key of the transaction selection keyboard field include the sending of blank checks to the user, the opening of a Christmas savings account, the closing of a selected account and the purchase of travel insurance.

12. The transaction execution terminal as set forth in claim 5 above, wherein at least one of the keyboard fields is a function selection field permitting the identification of a particular type of transaction which the user wishes to have executed, wherein the function selection field includes a variable information state key, wherein the combinations of numeric key activations which subsequently determine the information state indicated by activation of the function selection field variable information state key are arranged by predetermination in to a plurality of categories of sequential function indication numbers, and wherein all functions which are indicated by the same category of sequential function indication numbers require the entry of information from the same keyboard fields for the complete identification of a requested transaction.

13. The transaction execution terminal as set forth in claim 12 above, wherein the control subsystems stores a plurality of variable inforamtion state delineation numbers, each defining the boundary between two categories of sequential function indication numbers.

14. The transaction execution terminal as set forth in claim 12 above, wherein at least one category of sequential function indication numbers requires the entry of no additional keyboard information to fully identify a requested transaction.

15. The transaction execution terminal as set forth in claim 12 above, wherein at least one category of sequential function indication numbers requires the further entry of an amount through the numeric keyboard field but no further identification of any account by key activation.

16. The transaction execution terminal as set forth in claim 12, wherein at least one category of sequential function indication numbers requires the further entry of information by keyboard key activation of information indicating an account from which funds are to be withdrawn.

17. A transaction execution terminal comprising:

a card handling subsystem which operates in response to control system commands to receive a card having information recorded thereon and read said recorded information;

a document handling system which operates in response to control system commands to selectively issue documents to a terminal user;

a keyboard having a plurality of keyboard fields including a function selection keyboard field having a plurality of nonencoded keys, each of which indicates a selected function by the activation thereof, and at least one optional selection key, the activation of which permits a selected function to be indicated by the subsequent activation of a seleccted combination of keyboard keys in accordance with a predetermined code; and

a control system connected to receive card information from the card handling subsystem and keyboard information from the keyboard and generate control system commands which are coupled to control the operation of the card handling subsystem and document handling system in response thereto.

18. A terminal for performing a plurality of different banking functions under control of a bank customer, comprising:

card reading means for reading customer account identification information from an encoded card;

first customer operable keyboard means for selectively designating one of a plurality of transaction types, at least one of said types being definable by an application program resident in an remote host computer in response to the activation of a first keyboard means key and a combination of second keyboard means keys;

second customer operable keyboard means for selectively modifying at least one key of the first keyboard means to define a selected transaction in accordance with a predetermined code; and

means responsive to data key activation on said first and second keyboard means and information read by said card reading means for transmitting a message to a remote host which message indicates the information read by the card reading means and the keys which a user activates on the first and seond keyboard means.

19. A transaction execution system comprising:

a host data processing system storing information for a plurality of customer accounts; and

a transaction execution terminal in communication with the host data processing system, the terminal including;

a card handler which receives an account card and reads customer identification information encoded thereon;

an optical display which displays selected messages to aid a user in the operation of the terminal;

a keyboard connected to input information to the terminal in response to the activation of keys by a user, the keyboard being divided into a plurality of mutually exclusive fields with each field being utilized for the entry of a different category of information relating to a user transaction request, and at least one of the fields including a plurality of keys wherein one key with the field is activated to the exclusion of other keys in the field to specify information corresponding to a requested transaction, at least one key within the field being an optical selection key, the activation of which indicates that the category of information to which the field pertains is to be specified by the subsequent activation of a predetermined combination of one or more keys on the keyboard; and

control circuitry coupled to the host data processing system, card handler, optical display and keyboard, the control circuitry controlling the operation of the card holder, display and keyboard, communicating user transaction related information between the host data processing system and the terminal, and controlling terminal operation to cause the terminal to execute user requested transactions on command from the host data processing system.

20. A transaction execution system which receives transaction request information and user identification information and executes requested transactions, the system having a card reader which reads information from a user card and being characterized by a keyboard through which user information is input to the system and which has at least two different keyboard fields with at least one of the fields including a plurality of keys of which one key within the field is activated to the exclusion of the other keys in the field to specify information corresponding to a requested transaction, at least one key within the field being an optional selection key, the activation of which indicates that the category of information to which the field pertains is to be specified by the subsequent activation of a predetermined combination of one or more keys on the keyboard.