Transaction apparatus and method that identifies an authorized user by appearance and voice

• US 6,023,688 A
• Filed: 03/09/1998
• Issued: 02/08/2000
• Est. Priority Date: 11/28/1997
• Status: Expired due to Term

• Current Assignee: Diebold Nixdorf, Incorporated
• Original Assignee: Diebold Incorporated (Diebold Nixdorf, Incorporated)
• Inventors: Mleziva, Roy, Ramachandran, Natarajan, Hill, Jeffrey A.
• Primary Examiner(s): Trammell, James P.
• Assistant Examiner(s): Nguyen, Cuong H.
• Application Number:
  US09/037,559
• Time in Patent Office: 701 Days
• Field of Search: 705/43, 705/40, 705/10, 705/41, 705/26, 705/42, 705/45, 705/44, 705/17, 702/76, 702/108, 324/76.41, 395/200.34, 395/200.35, 395/200.68, 395/200.79, 380/24-25, 380/4
• US Class Current: 705/44
• CPC Class Codes: G06Q 20/042 characterized in that the payment protocol involves at least one cheque
• CPC Class Codes: G06Q 20/102 Bill distribution or payments
• CPC Class Codes: G06Q 20/1085 involving automatic teller machines [ATMs]
• 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 20/40145 Biometric identity checks
• CPC Class Codes: G07C 2011/02 related to amusement parks
• CPC Class Codes: G07C 9/37 using biometric data, e.g. fingerprints, iris scans or voice recognition
• CPC Class Codes: G07F 19/20 Automatic teller machines [ATMs]
• CPC Class Codes: G07F 19/201 Accessories of ATMs

Abstract

A financial transaction apparatus (30) includes a financial transaction machine (32). The machine includes devices (34) including transaction function devices (42, 44, 46, 48) for carrying out operations associated with financial transactions. The terminal also includes an imaging device (50) and an audio input device (52), as well as a visual output device (36) and an audio output device (54). Terminal (32) is connected to a computer (68) which has an associated data store (70). The data store includes user data including image data and voice data corresponding to authorized users. The identity of a customer operating the machine is determined by resolving first identity data based on image signals from the imaging device which correspond to a user'"'"'s appearance. Second identity data is resolved by the processor from voice signals from the audio input device corresponding to the user'"'"'s voice. The computer enables operation of the transaction function devices if the level of correlation between the first and second identity data is sufficient to establish that the image and voice signals originate from a single authorized user.

Claims

1. Apparatus comprising:

a financial transaction machine, wherein the machine includes an imaging device providing image input signals, and an audio input device providing audio input signals, and at least one transaction function device, whereby a user adjacent to the machine causes image input signals to be generated and the voice of the user causes audio input signals to be generated;

a processor, the processor being in operative connection with the imaging device, the audio input device and the transaction function device, the processor also being in operative connection with a data store, wherein the data store includes data corresponding to a plurality of users, the user data for each user including identity data corresponding to the user, image data corresponding to an appearance feature of the user, and voice data corresponding to a voice feature of the user;

wherein the processor is operative responsive to the image input signals to resolve first identity data, and the processor is operative responsive to the audio input signals to resolve second identity data, and wherein the processor is operative to compare the first and second identity data for a level of correlation and to enable operation of the transaction function device when the level of correlation is reached.

2. The apparatus according to claim 1 wherein the machine includes a sensing device, wherein the sensing device is operative to sense the user in proximity to the machine, and wherein the sensing device is in operative connection with the processor, and wherein the processor is operative to resolve the first identity data responsive to the sensing device sensing the user in proximity to the machine.

3. The apparatus according to claim 1 wherein the machine includes an output device, and wherein the output device is in operative connection with the processor, and wherein the processor is operative to prompt the user to speak through prompt outputs presented through the output device, whereby when the user speaks audio input signals are generated.

4. The apparatus according to claim 3 wherein the output device includes a display.

5. The apparatus according to claim 3 wherein the output device includes a speaker.

6. The apparatus according to claim 5 wherein the data store further includes audio output data corresponding to audio outputs, and wherein the output device prompts the user through audio messages.

7. The apparatus according to claim 1 wherein the machine further comprises an output device and a manually actuatable input device and wherein when the level of correlation is not reached the processor is operative to prompt a user through the output device to operate the manually actuatable input device.

8. The apparatus according to claim 7 wherein the manually actuatable input device includes a card reader, wherein the user is prompted to input a machine readable card associated with the user in the card reader.

9. The apparatus according to claim 8 wherein the user data further includes account data wherein the account data includes at least one account associated with each user, and wherein the machine readable card includes account identifying data corresponding to an account associated with the user of the card, and wherein the card reader provides card input signals responsive to reading the card, and wherein the processor is operative to resolve the account of the user responsive to the account identifying data.

10. The apparatus according to claim 9 wherein the machine includes a keypad, and wherein the processor is operative responsive to resolving the user account data to operate the output device to prompt the user to input a code at the keypad, wherein the keypad generates keypad input signals responsive to the user inputting the code at the keypad, and wherein the processor is operative to enable operation of the transaction function device responsive to the keypad input signals corresponding to input by the customer of a predetermined code.

11. The apparatus according to claim 1 wherein the transaction function device includes a currency dispenser.

12. The apparatus according to claim 1 wherein the transaction function device includes a ticket dispenser.

13. The apparatus according to claim 1 wherein the machine includes an output device, and wherein the user data includes user preference data, and wherein the data store further includes product offering data, wherein the product offering data is representative of products available for purchase, and wherein the processor is operative to select product offerings from the product offering data in the data store responsive to the user preference data corresponding to the user, and to operate the output device to provide outputs corresponding to the selected product offerings.

14. The apparatus according to claim 13 wherein the machine includes a display and the data store further includes data representative of video materials, and wherein the processor is operative responsive to the user preference data to select video material from the data store and to provide outputs on the display corresponding to the selected video material.

15. The apparatus according to claim 1 and further comprising an input terminal in operative connection with the processor, wherein the input terminal includes a further imaging device and a further audio input device, wherein the user image data and user voice data is input through the input terminal.

16. The apparatus according to claim 15 wherein the data store further includes a user profile acquisition routine, and wherein the processor is operative to acquire data from a user at the input terminal responsive to the user profile acquisition routine.

17. The apparatus according to claim 1 wherein the machine includes a sensing device, wherein the sensing device is operative to sense the user in proximity to the machine and wherein the sensing device is in operative connection with the processor, and wherein the processor is operative to cease operation of the transaction function device responsive to the sensing device ceasing to sense the user in proximity to the machine.

18. A method of operation of an apparatus comprising the steps of:

storing in a data store in operative connection with a processor, user data for a plurality of users, said user data including;

identity data corresponding to an identity of each user;

image data corresponding to an appearance feature of each user; and

voice data corresponding to a voice feature of each user;

and thereafter in any order further comprising the steps of;

acquiring with an imaging device on a transaction machine an appearance feature of a user adjacent to the machine;

resolving first user identity data with said processor from said appearance feature and the image data in the data store;

receiving with an audio input device on the transaction machine a voice feature of the user adjacent the machine;

further resolving second user identity data with the processor from the voice feature and the voice data in the data store;

and thereafter further comprising;

comparing the first and second user identity data with the processor to determine if such data corresponds to a single user; and

enabling operation of a transaction function device on the machine when the first and second identity data corresponds to a single user.

19. The method according to claim 18 wherein the storing step further comprises:

storing in the data store;

user preference data for each of a plurality of users; and

product offering data corresponding to products available for purchase;

and if in the comparing step the first and second identity data corresponds to a single user, further comprising the steps of;

selecting products in said product offering data responsive to the user preference data for the single user; and

outputting through an output device on the machine information corresponding to the selected products.

20. The method according to claim 18 wherein the storing step further comprises storing for each of a plurality of users manual input data, and wherein if in the comparing step the first and second identity data do not correspond to a single user, and before the enabling step further comprising the steps of:

prompting the user through an output device at the machine to make an input through a manually actuatable input device on the machine; and

further comparing the data input by the user through the input device to manual input data in the data store, wherein correspondence of the data resolves the identity of a single user.

21. The method according to claim 18 wherein the storing step comprises prompting a user through an input terminal to provide at least one of the image data or voice data.

22. The method according to claim 19 wherein the storing step comprises prompting a user through an input terminal to provide user preference data.

23. The method according to claim 18 wherein the financial transaction machine further includes a sensing device wherein the sensing device enables sensing the user in proximity to the machine, and further comprising the step of preventing operation of the transaction function device responsive to the user ceasing to be sensed in proximity to the machine.

24. Apparatus comprising:

(a) a transaction machine including a characteristic input device for sensing at least one of a physical or vocal feature of a user adjacent the machine, a manual input device, and a transaction function device;

a processor in operative connection with a data store, the processor in operative connection with the characteristic input device and the manual input device, and wherein the data store includes for each of a plurality of authorized users, feature data representative of the feature associated with the user, and input data associated with a manual input corresponding to the user, and wherein the processor is operative to determine if feature data input through the characteristic input device by a user in proximity to the machine corresponds to feature data associated with one of the plurality of authorized users, and if so to enable operation of the transaction function device; and

if not, to determine if the manual input by the user through the manual input device on the machine corresponds to the input data associated with one of the plurality of authorized users and if so to enable operation of the transaction function device.

25. The apparatus according to claim 24 wherein the feature data includes data representative of both physical and vocal features of a plurality of authorized users, and wherein the feature of the user at the machine must correspond to both the physical and vocal data of one authorized user, and wherein upon such correspondence the transaction function device is enabled to be operated.

26. The apparatus according to claim 25 wherein the manual input device includes a card reader, whereby the card reader reads a card including identifying card data corresponding to a user.

27. The apparatus according to claim 26 wherein the manual input device further includes a keypad, wherein the user is enabled to input a code corresponding to the user through the keypad, and wherein the transaction function device is enabled to be operated when the code and the identifying card data both correspond to the authorized user.

28. The apparatus according to claim 24 wherein the machine includes an audio output device, and wherein the audio output device is in operative connection with the processor, wherein the processor operates the audio output device to prompt the user to provide an input.

29. The apparatus according to claim 28 and further comprising a suppression input device, wherein the user is selectively enabled to suppress operation of the audio output device, whereby a user is enabled to selectively conduct a silent transaction.

30. The apparatus according to claim 29 wherein the processor is operative responsive to selection of the suppression device to store feature data concerning the user in the data store.

31. Apparatus comprising:

a transaction machine wherein the machine includes an imaging device providing image input signals, and an audio input device providing audio input signals, and at least one dispenser device, whereby a user adjacent to the machine causes image input signals to be generated and the voice of the user causes audio input signals to be generated;

a processor, the processor in operative connection with the imaging device, the audio input device and the dispenser device, the processor also being in operative connection with a data store, wherein the data store includes data corresponding to a plurality of users, the user data for each user including identity data corresponding to the user, image data corresponding to an appearance feature of the user, and voice data corresponding to a voice feature of the user;

wherein the processor is operative responsive to the image input signals to resolve first identity data, and the processor is operative responsive to the audio input signals to resolve second identity data, and wherein the processor is operative to compare the first and second identity data for a level of correlation and to enable operation of the dispenser device when the level of correlation is reached.

32. Apparatus comprising:

a transaction machine wherein the machine includes an imaging device providing image input signals, and an audio input device providing audio input signals, and at least one dispenser device, whereby a user adjacent to the machine causes image input signals to be generated and the voice of the user causes audio input signals to be generated;

a processor, the processor in operative connection with the imaging device, the audio input device and the dispenser device, the processor also being in operative connection with a data store, wherein the data store includes stored user data corresponding to a plurality of users, the user data for each user including identity data corresponding to the user, image data corresponding to an appearance feature of the user, and voice data corresponding to a voice feature of the user;

wherein the processor is operative responsive to the stored user data for a plurality of users and the image input signals to resolve first identity data, and the processor is operative responsive to the stored user data for a plurality of users and the audio input signals to resolve second identity data, and wherein the processor is operative to compare the first and second identity data for a level of correlation and to enable operation of the dispenser device when the level of correlation is reached.

33. Apparatus comprising:

a transaction machine wherein the machine includes an imaging device providing image input signals, and an audio input device providing audio input signals, and at least one dispenser device, whereby a user adjacent to the machine causes image input signals to be generated and the voice of the user causes audio input signals to be generated;

a processor, the processor in operative connection with the imaging device, the audio input device and the dispenser device, the processor also being in operative connection with a data store, wherein the data store includes stored user data corresponding to a plurality of authorized users, the user data for each user including image data corresponding to an appearance feature of the user and voice data corresponding to a voice feature of the user;

wherein the processor is operative responsive to the image input signals, the audio input signals and the stored user data for a plurality of users, to resolve identity data, and where when the resolved identity data corresponds to one of the authorized users the processor enables operation of the dispenser device.

34. Apparatus comprising:

a transaction machine, wherein the machine includes an imaging device providing image input signals, and an audio input device providing audio input signals, and at least one output device, whereby a user adjacent to the machine causes image input signals to be generated and the voice of the user causes audio input signals to be generated;

a processor, the processor in operative connection with the imaging device, the audio input device and the output device, the processor also being in operative connection with a data store, wherein the data store includes data corresponding to a plurality of users, the user data for each user including identity data corresponding to the user, image data corresponding to an appearance feature of the user, voice data corresponding to a voice feature of the user and user preference data associated with the user, the data store further including product offering data representative of products available for purchase;

wherein the processor is operative responsive to the image input signals and the audio input signals to resolve user identity data corresponding to a particular user, and wherein the processor is operative responsive to the user preference data corresponding to the particular user to select product offering data in the data store and to operate the output device to provide at least one output responsive to the selected product offering data.

35. Apparatus comprising:

a transaction machine wherein the machine includes at least one of an imaging device providing image input signals or an audio input device providing audio input signals, the machine further including at least one output device;

a processor, the processor in operative connection with the at least one imaging device or audio input device, and the output device, the processor also being in operative connection with a data store, wherein the data store includes user data corresponding to a plurality of users, the user data for each user including identity data corresponding to the user, user preference data associated with the user, and at least one of image data corresponding to an appearance feature of the user or voice data corresponding to a voice feature of the user, the data store further including product offering data representative of products available for purchase;

wherein the processor is operative responsive to at least one of the image input signals or the audio input signals, and the stored user data, to resolve user identity data corresponding to a particular user, and wherein the processor is operative responsive to the preference data associated with the particular user to select product offering data in the data store and to cause the output device to provide at least one output responsive to the selected product offering data.

36. Apparatus comprising:

a transaction machine wherein the machine includes at least one of an imaging device providing image input signals or an audio device providing audio input signals, the machine farther including at least one dispenser device and a proximity sensor for sensing a user adjacent to the machine;

a processor, wherein the processor is in operative connection with the at least one imaging device or audio input device, and wherein the processor is further in operative connection with the transaction function device, the proximity sensor and a data store, wherein the data store includes for each of a plurality of authorized users, at least one of image data corresponding to an appearance feature of the user or voice data corresponding to a voice feature of the user; and

wherein the processor is operative responsive to at least one of the image signals or audio signals to determine if a user causing the image or audio signals to be generated is an authorized user, and if so, and provided the user is sensed by the proximity sensor as remaining in proximity to the machine, to enable operation of the dispenser device.