Automated banking machine system and method

• US 6,796,490 B1
• Filed: 09/27/2001
• Issued: 09/28/2004
• Est. Priority Date: 10/04/2000
• Status: Expired due to Term

• Current Assignee: Diebold Nixdorf, Incorporated
• Original Assignee: Diebold Incorporated (Diebold Nixdorf, Incorporated)
• Inventors: Smith, Mark D., Drummond, Jay Paul
• Primary Examiner(s): Lee, Michael G.
• Assistant Examiner(s): Nguyen, Kimberly D.
• Application Number:
  US09/966,932
• Time in Patent Office: 1,097 Days
• Field of Search: 235/379, 235/380, 235/472, 235/381, 235/491, 235/439, 235/462.46, 235/382
• US Class Current: 235/379
• CPC Class Codes: G06Q 20/1085 involving automatic teller machines [ATMs]
• CPC Class Codes: G06Q 20/3223 Realising banking transactions through M-devices
• CPC Class Codes: G07F 19/20 Automatic teller machines [ATMs]
• CPC Class Codes: G07F 19/211 Software architecture within ATMs or in relation to the ATM network

Abstract

A wireless ATM system (30) comprises one or more wireless ATMs (32, 34, 36) that are operative to wirelessly communicate with a wireless ATM server (38). The wireless ATMs each include a wireless network interface (41). The wireless ATM server includes a corresponding wireless access point or wireless hub (40). Wireless transmission between the wireless ATMs and wireless ATM server is secured with a wireless encryption protocol. The wireless ATM server is operative to communicate with at least one host banking system (46) through at least one public or private network (44). The wireless ATM server is operative to route transaction and event messages between the host banking system and each of the wireless ATMs using a message gateway router (43). The wireless ATM server further includes a firewall (42).

Claims

1. A method comprising:

(a) receiving with an automated teller machine (ATM) a wireless message representative of a request to establish a wireless connection with a portable wireless device;

(b) establishing the wireless connection between the ATM and the portable wireless device;

(c) receiving through the wireless connection a second message from the portable wireless device representative of a request to perform a transaction with the ATM;

(d) authorizing the transaction through communication between the ATM and a remote host system;

(e) sending from the ATM through the wireless connection to the portable wireless device an authorization confirmation message;

(f) receiving through the wireless connection from the portable wireless device a commit transaction message; and

(g) completing the authorized transaction through operation of the ATM.

2. The method according to claim 1, and prior to step (d) further comprising:

receiving with the ATM from the portable wireless device through the wireless connection at least one identification value and data corresponding to at least one financial account; and

wherein step (d) includes sending data corresponding to the at least one identification value and the at least one financial account to the remote host system.

3. The method according to claim 2 wherein the at least one identification value corresponds to at least one biometric input.

4. The method according to claim 2 wherein the at least one identification value corresponds to a digital certificate.

5. The method according to claim 2 wherein the at least one identification value corresponds to a PIN.

6. The method according to claim 1 wherein step (g) includes dispensing cash from the ATM.

7. The method according to claim 6 and further comprising prior to step (g):

prompting a user of the portable wireless device to move adjacent to the ATM.

8. The method according to claim 7 wherein the prompting step comprises sending at least one prompting message between the ATM and the portable wireless device through the wireless connection.

9. The method according to claim 7 and subsequent to the prompting step and prior to step (g), providing at least one operation input to the ATM, wherein cash is dispensed responsive to the operation input.

10. The method according to claim 9 wherein in step (f) the commit transaction message comprises the operation input.

11. The method according to claim 7 and further comprising:

receiving with the ATM a further wireless message from a further portable wireless device prior to dispensing cash in step (g);

and wherein the prompting step includes prompting the user of the portable wireless device and the further portable wireless device to sequentially move adjacent to the ATM.

12. The method according to claim 1 wherein the portable wireless device comprises a voice communication device.

13. The method according to claim 1 wherein the portable wireless device comprises at least one data store including data representative of monetary value, and further comprising modifying the data representative of monetary value responsive to at least one message communicated with the ATM through the wireless connection.

14. The method according to claim 1 wherein the wireless connection comprises an RF connection.

15. Computer readable media bearing instructions which are operative to cause a computer in the ATM to cause the ATM to carry out the method steps recited in claim 1.

16. The method comprising:

(a) sending with a portable wireless device a first message representative of a request to establish a wireless connection with an automated teller machine (ATM);

(b) establishing the wireless connection between the portable wireless device and the ATM;

(c) sending through the wireless connection a second message from the portable wireless device to the ATM representative of a request to perform a transaction with the ATM;

(d) receiving with the portable wireless device through the wireless connection a third message from the ATM representative of a request to have a user move adjacent the ATM; and

(e) sending from the portable wireless device through the wireless connection a fourth message to the ATM representative of a request for the ATM to operate a transaction function device.

17. The method according to claim 16, and prior to step (d) further comprising:

(f) accepting input of a Personal Identification Number (PIN) through the portable wireless device;

(g) sending through the wireless connection to the ATM data corresponding to the PIN and at least one financing account number.

18. The method according to claim 16, wherein between steps (d) and (e), further comprising:

(f) outputting at least one message with the portable wireless device responsive to the third message prompting a user of the portable wireless device to approach the ATM and provide at least one input operative to send the fourth message.

19. The method according to claim 16 wherein the portable wireless device comprises a voice communication device.

20. Computer readable media bearing instructions which are operative in a computer to cause the ATM to carry out the method steps recited in claim 16.

21. A method comprising:

(a) establishing a wireless connection between an ATM and a portable wireless device;

(b) receiving with the ATM through the wireless connection at least one first message from the portable wireless device representative of a transaction that includes dispensing cash from the ATM;

(c) authorizing the transaction through communication between the ATM and a remote host system;

(d) responsive to step (c) sending from the ATM through the wireless connection to the portable wireless device at least one second message that is operative to cause the portable wireless device to prompt a user of the portable wireless device to provide at least one input;

(e) receiving with the ATM at least one third message generated in response to the at least one input provided by the user, and

(f) dispensing cash from the ATM responsive to the at least one third message.

22. The method according to claim 21, and prior to (e) receiving the at least one input from the user with an input device of the portable wireless device, wherein in (e) the at least one third message is received with the ATM through the wireless connection from the portable wireless device.

23. The method according to claim 21, and prior to (e) receiving the at least one input from the user with an input device of the ATM.

24. The method according to claim 21, wherein in (d) the at least one second message is operative to cause the portable wireless device to prompt the user of the portable wireless device to move adjacent to the ATM.

25. The method according to claim 21, wherein in (d) the at least one second message is operative to cause the portable wireless device to indicate to the user that the input causes the ATM to dispense cash.

26. Computer readable media bearing instructions which are operative in at least one computer of the ATM to cause the ATM to carry out the method steps recited in claim 21.

27. A method comprising:

a) providing wireless connection between an ATM and at least two portable wireless devices wherein the at least two portable wireless devices concurrently carry out cash dispensing transactions with the ATM through wireless connection with the ATM;

b) prompting a first user of a first one of the at least two portable wireless devices to provide at least one first input responsive to communication between the first one of the at least two portable wireless devices and the ATM through wireless connection;

c) receiving at least one input corresponding to the at least one first input with the ATM; and

d) dispensing cash to the first user through operation of a cash dispenser of the ATM responsive to receipt of the at least one input in (c); and

subsequent to (d);

e) prompting a second user of a second one of the at least two portable wireless devices, to provide at least one second input responsive to communication between the second one of the at least two portable wireless devices and the ATM through wireless connection,

f) receiving at least one input corresponding to the at least one second input with the ATM; and

g) dispensing cash to the second user through operation of the cash dispenser of the ATM responsive to receipt of the at least one input in (f).

28. Computer readable media bearing instructions which are operative in at least one computer of the ATM to cause the ATM to carry out the method steps recited in claim 27.