Automated banking machine system using internet address customer input

• US 6,598,023 B1
• Filed: 11/17/1998
• Issued: 07/22/2003
• Est. Priority Date: 11/27/1996
• Status: Expired due to Term

• Current Assignee: Diebold Nixdorf, Incorporated
• Original Assignee: Diebold Incorporated (Diebold Nixdorf, Incorporated)
• Inventors: Weis, David W., Cichon, Bob A., Moales, Mark A., Covert, Mark S., Ess, Joseph C., Church, James, Drummond, Jay Paul, Blackson, Dale, Smith, Mark D.
• Primary Examiner(s): Dixon, Thomas A.
• Application Number:
  US09/193,623
• Time in Patent Office: 1,708 Days
• Field of Search: 705/1, 705/17, 705/18, 705/42, 705/43, 705/44, 235/380, 235/379, 235/382, 709/217, 709/218, 709/219
• 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 transaction machine including;

a currency sheet dispenser;

a card reader device, wherein the card reader device is operative to read card data from cards input by users of the machine;

a computer in operative connection with the card reader device and the currency sheet dispenser, wherein the currency sheet dispenser is operative to dispense at least one currency sheet from the machine; and

software executable in the computer, wherein the software is operative to generate an HTTP address and to operate the computer to access the address responsive to the card data.

2. The apparatus according to claim 1 and further comprising:

an HTTP server in operative connection with a data store, and wherein the HTTP server is in operative connection with the computer, and a plurality of records in the data store accessible by the server, and wherein responsive to input of a card into the card reader device the HTTP address generated by the computer corresponds to a first record, wherein the first record includes user information uniquely corresponding to the card input by the user.

3. The apparatus according to claim 2 wherein the user information includes information which uniquely identifies the user.

4. The apparatus according to claim 2 wherein the user information includes information corresponding to biometric data of the user.

5. The apparatus according to claim 2 wherein the transaction machine further includes an input device, wherein the input device is operative to accept a user input, and wherein the computer is operative to compare information in the first record to the user input to the input device.

6. The apparatus according to claim 5 wherein the input device includes a keyboard.

7. The apparatus according to claim 5 wherein the input device includes a biometric reader.

8. The apparatus according to claim 1 wherein the machine further includes a plurality of transaction devices, and a data store, wherein the data store includes device data representative of the transaction devices, and wherein the address is generated responsive to the card data and the device data.

9. The apparatus according to claim 2 and further comprising an output device in the machine in operative connection with the computer, and wherein the software in the computer includes a browser, and wherein software in the computer is operative to cause the browser to access a first HTML document responsive to the user information in the first record.

10. Apparatus comprising:

an automated transaction machine including;

a card reader device, wherein the card reader device is operative to read card data from cards input by users of the machine;

a computer in operative connection with the card reader device;

software executable in the computer, wherein the software is operative to generate an HTTP address and to operate the computer to access the address responsive to the card data;

an input device, wherein the input device is operative to accept a user input;

an HTTP server in operative connection with a data store, and wherein the HTTP server is in operative connection with the computer, and a plurality of records in the data store accessible by the server, and wherein responsive to input of a card into the card reader device the HTTP address generated by the computer corresponds to at least one first record, wherein the at least one first record includes user information uniquely corresponding to the card input by the user, and wherein the computer is operative to compare information in the at least one first record to the user input to the input device; and

a sheet dispenser in operative connection with the computer, and wherein the sheet dispenser is operative to dispense a sheet responsive to the user input to the input device corresponding to the user information in the at least one first record.

11. The apparatus according to claim 10 wherein the sheet dispenser comprises a currency sheet dispenser.

12. Apparatus comprising:

an automated transaction machine including;

a card reader device, wherein the card reader device is operative to read card data from cards input by users of the machine;

a clock device;

a computer in operative connection with the card reader device; and

software executable in the computer, wherein the software is operative to generate an HTTP address and to operate the computer to access the address responsive to the card data, and wherein the address is generated responsive to the card data and the clock device.

13. Apparatus comprising:

an automated transaction machine including;

a card reader device, wherein the card reader device is operative to read card data from cards input by users of the machine;

an output device;

a computer in operative connection with the card reader device and the output device;

software executable in the computer, wherein the software is operative to generate at least one HTTP address and to operate the computer to access the at least one address responsive to the card data, wherein the software includes a browser;

an HTTP server in operative connection with a data store, and wherein the HTTP server is in operative connection with the computer, and a plurality of records in the data store accessible by the server, and wherein responsive to input of a card into the card reader device the at least one HTTP address generated by the computer corresponds to at least one record, wherein the at least one record includes user information uniquely corresponding to the card input by the user, wherein the information in the at least one record includes data representative of customer preference data, and wherein software is operative to cause the browser to access at least one mark up language document responsive to the customer preference data.

14. Apparatus comprising:

an automated transaction machine including;

a currency sheet dispenser;

a biometric input device, wherein the biometric input device is operative to receive at least one biometric input from a user of the machine;

a computer in operative connection with the biometric input device and the currency sheet dispenser, wherein the currency sheet dispenser is operative to dispense at least one currency sheet from the machine; and

software executable in the computer, wherein the software is operative to generate at least one HTTP address and to access the at least one address with the computer responsive to the at least one input.

15. Apparatus comprising:

an automated transaction machine including;

a biometric input device, wherein the biometric input device is operative to receive at least one biometric input from a user of the machine;

a computer in operative connection with the biometric input device;

software executable in the computer, wherein the software includes a browser, wherein the software is operative to generate at least one HTTP address and to access the at least one address with the computer responsive to the at least one input;

a sheet dispenser in operative connection with the computer; and

a server in operative connection with the browser, and at least one mark up language document accessible through the server, wherein the at least one document is accessible at the at least one address, wherein the at least one document includes user information, and wherein the sheet dispenser is operative to dispense a sheet responsive to the at least one input corresponding to the user information in the at least one document.

16. Apparatus comprising:

an automated transaction machine including;

a biometric input device, wherein the biometric input device is operative to receive at least one biometric input from a user of the machine;

a computer in operative connection with the biometric input device;

software executable in the computer, wherein the software is operative to generate at least one HTTP address and to access the at least one address with the computer responsive to the at least one input;

a sheet dispenser in operative connection with the computer; and

an HTTP server in operative connection with the computer, at least one record accessible through the server, and wherein the at least one record includes user information, and wherein the sheet dispenser is operative to dispense a sheet responsive to the at least one input corresponding to user information in the at least one record.

17. A method comprising:

a) reading indicia associated with a user with a reading device in an automated transaction machine including a currency sheet dispenser operative to dispense at least one currency sheet from the machine;

b) responsive to the indicia read in step (a) generating at least one HTTP address with a computer in the machine;

c) accessing user data corresponding to the read indicia from at least one HTTP record corresponding to the at least one address.

18. The method according to claim 17 and further comprising:

d) inputting a user input through an input device on the machine;

e) comparing data representative of the user input and the user data accessed in step (c) for correspondence; and

f) operating a transaction function device on the machine responsive to determining in step (e) correspondence between the user input and user data.

19. The method according to claim 17 and further comprising:

d) generating at least one mark up language document responsive to the user data.

20. A method comprising:

a) reading indicia associated with a user with a reading device of an automated transaction machine;

b) responsive to the indicia read in step (a) generating at least one HTTP address with a computer in the machine;

c) accessing user data corresponding to the read indicia from at least one HTTP record corresponding to the at least one address, wherein the user data includes user preference data representative of at least one preference of the user;

d) accessing at least one of a plurality of mark up language documents with a browser operating in the computer, wherein the at least one document is selectively accessed responsive to the user preference data.

21. A method comprising:

a) reading indicia associated with a user with a reading device of an automated transaction machine;

b) responsive to the indicia read in step (a) generating at least one HTTP address with a computer in the machine;

c) accessing user data corresponding to the read indicia from at least one HTTP record corresponding to the at least one address, wherein the user data includes user affiliation data representative of at least one affiliation of the user;

d) accessing at least one of a plurality of mark up language documents with a browser operating in the computer, wherein the at least one document is selectively accessed responsive to the affiliation data.

22. Apparatus comprising:

an automated transaction machine including;

a currency sheet dispenser;

a card reader device, wherein the card reader device is operative to read card data corresponding to at least one Internet address from a card input by a user of the machine,

a computer in operative connection with the card reader device and the currency sheet dispenser, wherein the currency sheet dispenser is operative to dispense at least one currency sheet from the machine, and

software executable in the computer, wherein the software is operative to cause the computer to operate to access the at least one Internet address corresponding to the card data.

23. The apparatus according to claim 22 and further comprising:

a host server having an address, wherein the host server is in operative connection with the computer, and

wherein the at least one Internet address differs from the host server address.

24. The apparatus according to claim 22 and further comprising:

at least one document, wherein the at least one document includes user identity information,

wherein the computer is operable to access the at least one document at the at least one Internet address.

25. Apparatus comprising:

an automated transaction machine including;

at least one input device, wherein the at least one input device is operative to receive user input including input data corresponding to an Internet address from a user of the machine,

a computer in operative connection with the at least one input device,

a currency dispenser in operative connection with the computer,

software executable in the computer, wherein the software is operative to generate an Internet address based on the received input data,

an information item, wherein the information item includes unique user information, wherein the user information is able to be compared with the user input, wherein the information item is accessible at the generated Internet address,

wherein the dispenser is operative to dispense currency responsive to the user input corresponding to the user information in the information item.