Cash dispensing automated banking machine and method

• US 6,873,973 B2
• Filed: 12/17/2003
• Issued: 03/29/2005
• Est. Priority Date: 11/27/1996
• Status: Expired due to Fees

• Current Assignee: Diebold Incorporated (Diebold Nixdorf, Incorporated)
• Original Assignee: Diebold Incorporated (Diebold Nixdorf, Incorporated)
• Inventors: Drummond, Jay Paul, Blackson, Dale, Smith, Mark D., Cichon, Bob A., Moales, Mark A., Covert, Mark S., Joyce, Shawn D., Moore, Phillip S., Swingler, Steven C., Lepper, Bradrick Q., Lemley, Robert J., Chen, Lilei, Califf, Michael E. Jr.
• Primary Examiner(s): Trammell, James P.
• Assistant Examiner(s): Worjloh, Jalatee
• Application Number:
  US10/738,756
• Publication Number:
  US 20040129775A1
• Time in Patent Office: 468 Days
• Field of Search: 705 35- 45, 705 64- 79, 705/1, 705/50, 235/379
• US Class Current: 705/35
• 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 20/027 involving a payment switch or gateway
• CPC Class Codes: G06Q 20/042 characterized in that the payment protocol involves at least one cheque
• CPC Class Codes: G06Q 20/0855 involving a third party
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/102 Bill distribution or payments
• CPC Class Codes: G06Q 20/105 involving programming of a portable memory device, e.g. IC cards, "electronic purses"
• 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 20/209 Specified transaction journal output feature, e.g. printed receipt or voice output
• CPC Class Codes: G06Q 20/3678 e-cash details, e.g. blinded, divisible or detecting double spending
• CPC Class Codes: G06Q 20/382 insuring higher security of transaction
• CPC Class Codes: G06Q 20/401 Transaction verification
• 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: G06Q 40/12 Accounting
• 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 63/0236 : Filtering by address, protocol, port number or service, e.g. IP-address or URL
• 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 69/329 : in the application layer [OSI layer 7]
• 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.

Claims

1. An automated banking machine apparatus comprising:

at least one cash dispenser selectively operative to dispense currency sheets to users of the apparatus;

a user interface operative to receive identifying inputs from users of the apparatus;

at least one computer in operative connection with the at least one user interface and cash dispenser, and wherein the at least one computer is operative to cause the machine to carry out cash dispensing transactions in which cash is dispensed to users and charges for cash dispensed are assessed to user accounts, and wherein in each cash dispensing transaction the at least one computer is operative to at least one of process and generate at least one mark up language document, and wherein the at least one computer includes software operative therein that is selectively operative to cause the at least one computer not to carry out cash dispensing transactions responsive to communication with certain system addresses.

2. The apparatus according to claim 1 wherein the software includes a firewall.

3. A method comprising:

(a) communicating between at least one remote system address and at least one computer in an automated banking machine;

(b) dispensing cash from the banking machine through operation of at least one cash dispenser in the machine responsive to the communication in (a);

(c) at least one of processing and generating at least one mark up language by the at least one computer in the machine;

(d) operating screening software in the at least one computer wherein the screening software is selectively operative to enable the computer to cause the machine to carry out (b) responsive to communication with at least one authorized system address and to prevent the machine form carrying out (b) responsive to communication with at least one unauthorized system address.

4. A method comprising:

(a) operating screening software in at least one computer in an automated banking machine, wherein the screening software is operative to cause the machine to carry out at least one transaction responsive to communication with at least one authorized system address and to prevent the machine from carrying out at least one transaction responsive to communication with at least one unauthorized system address;

(b) dispensing cash from the machine to an authorized user responsive to communication of the machine with at least one authorized system address.

5. The method according to claim 4 and further comprising:

(c) at least one of generating and processing at least one mark up language document through operation of the at least one computer in carrying out at least one transaction.

6. The method according to claim 4 wherein in (a) the screening software comprises a firewall.

7. An article bearing instructions executable by at least one computer in an automated banking machine operative to cause an automated banking machine to carry out the method steps recited in claim 4.