Cash dispensing automated banking machine system and method

• US 6,983,256 B2
• Filed: 11/02/2004
• Issued: 01/03/2006
• 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): Backer, Firmin
• Assistant Examiner(s): Worjloh, Jalatee
• Application Number:
  US10/980,345
• Publication Number:
  US 20050086146A1
• Time in Patent Office: 427 Days
• Field of Search: 705 35- 45, 705 64- 79, 235/379, 713/150, 713/182, 713/200, 709/201, 709/203, 709/219
• 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. 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. A method comprising:

a) receiving at least one first message with at least one computer from an automated banking machine including a cash dispenser, wherein the banking machine is located remotely from the at least one computer and wherein the at least one first message comprises at least one first markup language document;

b) responsive to the at least one first message, sending at least one second message from the at least one computer to the banking machine, wherein the at least one second message comprises at least one second markup language document, and wherein the at least one second markup language document includes at least one instruction operative to cause the banking machine to dispense cash through operation of the cash dispenser.

2. The method according to claim 1 wherein the banking machine includes a card reader adapted to read card indicia on a card presented by a user to the banking machine, and wherein in (a) the at least one first markup language document includes data corresponding to the card indicia.

3. The method according to claim 2 wherein the banking machine includes at least one input device adapted to receive a request to receive cash by the user of the banking machine, and wherein in (a) the at least one first markup language document includes data corresponding to the request to receive cash.

4. The method according to claim 3 wherein the banking machine includes at least one input device adapted to receive data corresponding to an amount associated with the request to receive cash, and wherein in (a) the at least one first markup language document includes data corresponding to the amount.

5. The method according to claim 4 wherein in (b) the at least one instruction is operative to cause cash corresponding to the amount to be dispensed to the user from the banking machine.

6. The method according to claim 3, wherein the automated banking machine includes a screen, and wherein the at least one second markup language document is operative responsive to at least one instruction therein to cause the banking machine to provide at least one output through the screen.

7. An article of computer readable media bearing instructions which are operative to cause at least one computer to carry out the method steps recited in claim 1.

8. A method comprising:

(a) operating an automated banking machine, wherein the machine includes a card reader device, a cash dispenser, a display screen, and at least one input device adapted to receive a cash withdrawal request, to read card data from a machine user card through operation of the card reader device;

(b) operating the machine to receive with the at least one input device, a cash withdrawal request amount;

(c) operating the machine to send at least one first message therefrom, wherein the at least one first message comprises at least one first markup language document, wherein the at least one first markup language document includes data corresponding to both the card data read in (a) and the cash withdrawal request amount received in (b);

(d) receiving the at least one first message at a server;

(e) subsequent to (d), operating the server to send at least one second message therefrom, wherein the at least one second message comprises at least one second markup language document, and wherein the at least one second markup language document includes at least one instruction adapted to cause the machine to both operate the cash dispenser to dispense a cash amount corresponding to the cash withdrawal request amount and provide at least one output through the display screen;

(f) receiving the at least one second message at the machine;

(g) responsive to (f), operating the machine to both dispense the cash amount through operation of the cash dispenser and provide the at least one output through the display screen.

9. Computer readable media including computer executable instructions, the computer executable instructions operative to enable at least one computer to carry out the method steps recited in claim 8.

10. Computer readable media including computer executable instructions, wherein the computer executable instructions include server software,

wherein the server software enables a server to receive from an automated banking machine including a cash dispenser, at least one first message comprising at least one first markup language document including data corresponding to both an account associated with a machine user and a cash withdrawal request,

wherein the server software causes the server, responsive to receiving the at least one first message, to send at least one second message comprising at least one second markup language document including at least one dispense instruction adapted to cause the automated banking machine to dispense a cash amount corresponding to the cash withdrawal request amount through operation of the cash dispenser of the automated banking machine.

11. The computer readable media according to claim 10 wherein the server software enables the server to communicate with the automated banking machine while the automated banking machine is remotely located from the server.

12. The computer readable media according to claim 11 wherein the server software enables the server to communicate with a plurality of automated banking machines remotely located therefrom, wherein the server software enables the server to receive the at least one first message from each of the plurality of automated banking machines.

13. The computer readable media according to claim 12 wherein the server software enables the server to send the at least one second message to each of the plurality of automated banking machines.

14. A method of using the computer readable media of claim 10, comprising:

(a) operating a server responsive to the server software to receive at least one first markup language document including data corresponding to an account associated with a machine user and a cash withdrawal request amount, from an automated banking machine including a cash dispenser;

(b) operating the server of step (a) responsive to the server software to access data in at least one data store; and

(c) operating the server of step (a) responsive to the server software to cause to be sent to the automated banking machine at least one second markup language document including at least one dispense instruction adapted to cause operation of the cash dispenser to dispense a cash amount corresponding to the cash withdrawal request amount.