Automated banking machine apparatus and system

• US 6,505,177 B1
• Filed: 11/17/1998
• Issued: 01/07/2003
• Est. Priority Date: 11/27/1996
• Status: Expired due to Term

• Current Assignee: Diebold Nixdorf, Incorporated
• Original Assignee: Diebold Incorporated (Diebold Nixdorf, Incorporated)
• Inventors: Drummond, Jay Paul, Blackson, Dale, Smith, Mark D., Weis, David W., Cichon, Bob A., Moales, Mark A., Ess, Joseph C., Church, James
• Primary Examiner(s): Sough, Hyung-Sub
• Assistant Examiner(s): Hayes, John W.
• Application Number:
  US09/193,635
• Time in Patent Office: 1,512 Days
• Field of Search: 705/35, 705/39, 705/42, 705/43, 705/26, 705/14, 902/8, 902/14, 902/18, 902/20, 902/24, 902/36, 902/40, 235/375, 235/379
• 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 20/108 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 20/202 Interconnection or interaction of plural electronic cash registers [ECR] or to host computer, e.g. network details, transfer of information from host to ECR or from ECR to ECR
• 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: 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 63/0861 using biometrical features, e.g. fingerprint, retina-scan cryptographic mechanisms or cryptographic arrangements for entity authentication using biological data H04L9/3231
• 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 67/563 : Data redirection of data network streams
• CPC Class Codes: H04L 67/565 : Conversion or adaptation of application format or content adding application control or application functional data H04L67/561
• 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 69/40 : for recovering from a failure of a protocol instance or entity, e.g. service redundancy protocols, protocol state redundancy or protocol service redirection management of faults, events, alarms or notifications in data switching networks H04L41/06
• CPC Class Codes: H04L 9/40 : Network security protocols

Abstract

An automated banking machine (12) is operative to conduct transactions in response to HTML documents and TCP/IP messages exchanged with a local computer system (14) through an intranet (16), as well as in response to messages exchanged with foreign servers (20, 22, 24, 26, 28, 96) in a wide area network (18). The banking machine includes a computer (34) having an HTML document handling portion (76, 80, 82). The HTML document handling portion is operative to communicate through a proxy server (88), with a home HTTP server (90) in the intranet or the foreign servers in the wide area network. The computer further includes a device application portion (84) which interfaces with the HTML document handling portion and dispatches messages to operate devices (36) in the automated banking machine. The devices include a sheet dispenser mechanism (42) which dispenses currency as well as other transaction devices. The device application portion communicates with a device interfacing software portion (64) in the banking machine through a device server (92) in the intranet. The device server maintains local control over the devices in the banking machine including the sheet dispenser. The banking machine operates to read indicia on the user'"'"'s card corresponding to a system address. The computer is operative to connect the banking machine to the home or foreign server corresponding to the system address, which connected server operates the banking machine until the completion of transactions by the user.

Claims

1. Apparatus comprising:

an automated banking machine including at least one bill dispenser device and at least one output device;

at least one computer operative in the automated banking machine, the computer including document processing software;

wherein the computer is operative to cause the document processing software to process at least one document to provide at least one output through the at least one output device, wherein the output is provided during at least a portion of a time period during which the at least one bill dispenser device is operating in the automated banking machine.

2. The apparatus according to claim 1 wherein the automated banking machine further comprises a depository device operative to accept at least one deposited item, and wherein the computer is operative to cause the document processing software to process at least one document to provide at least one further output through the at least one output device, wherein the further output is provided during at least a portion of a further time period during which the depository device accepts at least one deposited item.

3. The apparatus according to claim 1 and further comprising at least one server, wherein the server is operative to provide the at least one document.

4. The apparatus according to claim 1 wherein the at least one output comprises advertising material.

5. The apparatus according to claim 1 wherein the document processing software comprises a browser.

6. A method comprising:

(a) operating an automated banking machine to dispense at least one currency bill to a user;

(b) operating document processing software in at least one computer in the machine to process at least one document;

(c) producing at least one output through at least one output device on the machine responsive to the at least one document during at least a portion of step (a).

7. The method according to claim 6 wherein in step (b) the at least one document is processed responsive to a location of the machine.

8. The method according to claim 6 and further comprising:

determining through operation of the machine, information corresponding to the user;

and wherein in step (b) the at least one document is processed responsive to the information corresponding to the user.

9. Computer readable media having computer readable instructions embodied thereon, the computer readable instructions operative to cause at least one computer to carry out the method recited in claim 6.

10. A method comprising:

(a) operating an automated banking machine to accept at least one item from a user to be deposited in the machine;

(b) operating document processing software in at least one computer in the machine to process at least one document;

(c) producing at least one output through at least one output device on the machine responsive to the at least one document during at least a portion of step (a).

11. A system comprising:

at least one server;

a plurality of HTML documents accessible through the server, wherein each of the documents is accessible at a corresponding document address, wherein the documents include a first document accessible at a first address, the first document including first material;

a first automated banking transaction machine, wherein the first transaction machine is located at a first physical location, wherein the first material includes physical location specific content, wherein the first material is targeted to users of the first transaction machine at the first location, wherein the first transaction machine includes a first computer and a first output device, wherein the first output device is in operative connection with the first computer;

first software executable in the first computer, wherein the first software includes a first browser, wherein the first browser is operative to access the first document at the first address and wherein the first computer is operative responsive to the first document to output the first material through the first output device;

wherein the server is operative to selectively deliver the first document to the first transaction machine based on the particular physical location of the first transaction machine.

12. Apparatus comprising:

an automated banking machine including at least one bill dispenser device and at least one output device;

at least one computer operative in the automated banking machine, the computer including HTML document processing software;

wherein the computer is operative to cause the document processing software to process at least one HTML document to provide at least one output through the at least one output device, wherein the at least one output is provided during at least a portion of a time period during which the at least one bill dispenser device is operating in the automated banking machine, and wherein the at least one output comprises advertising material.