Automated banking machine system and method

• US 7,150,393 B1
• Filed: 07/14/2004
• Issued: 12/19/2006
• 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): RIZKALLAH, KIMBERLY NGUYEN
• Application Number:
  US10/892,257
• Time in Patent Office: 888 Days
• Field of Search: 235/439, 235/382, 235/462.46, 235/379, 235/380, 235/382.5, 235/376, 235/472.01, 235/472.02, 705/5, 705/30, 705/35, 705/42, 705/43
• 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. Apparatus comprising:

an automated banking machine including a computer;

a plurality of transaction function devices in the banking machine and in operative connection with the computer, wherein at least one transaction function device comprises a cash dispenser; and

a wireless access hub in operative connection with the computer, wherein the wireless hub enables the machine to communicate with a plurality of portable wireless devices, wherein the computer is operative to enable the plurality of portable wireless devices to initiate a plurality of transactions with the banking machine at about a same time, wherein each of the plurality of transactions includes operation of the cash dispenser.

2. Apparatus comprising:

an automated banking machine including a computer;

a plurality of transaction function devices in the banking machine and in operative connection with the computer, wherein at least one transaction function device comprises a cash dispenser; and

a wireless access hub in operative connection with the computer, wherein the wireless hub enables the machine to communicate with a plurality of portable wireless devices, wherein the computer is operative to enable the plurality of portable wireless devices to initiate a plurality of transactions with the banking machine at about a same time, wherein when at least two of the portable wireless devices initiate transactions that require the operation of one of the transaction function devices, the computer is operative to cause outputs to be generated from at least one output device to sequentially prompt users of the at least two portable wireless devices initiating the transactions to move adjacent the one transaction function device.

3. Apparatus comprising:

an automated banking machine including a computer;

a plurality of transaction function devices in the banking machine and in operative connection with the computer, wherein at least one transaction function device comprises a cash dispenser; and

a wireless access hub in operative connection with the computer, wherein the wireless hub enables the machine to communicate with a plurality of portable wireless devices, wherein the computer is operative to enable the plurality of portable wireless devices to initiate a plurality of transactions with the banking machine at about a same time, wherein when at least two of the plurality of transactions requires the operation of one of the transaction function devices, the computer is operative to cause a first wireless message to be sent to a first portable wireless device initiating one of the at least two transactions, wherein the first message is operative to cause the first portable wireless device to output a prompt message to instruct a user to move adjacent the one transaction function device.

4. The apparatus according to claim 3, wherein the computer is operative to cause the one transaction function device to operate responsive to receipt by the banking machine of a second wireless message from the first portable wireless device, wherein the second message is representative of an input to the first portable wireless device indicative of a request to operate the one transaction function device.

5. The apparatus according to claim 3, wherein the banking machine further comprises an identifying device in operative connection with the computer, wherein the identifying device is operative to receive at least one input indicative of an identity of a user, wherein the computer is operative to cause operation of the one transaction function device responsive to the at least one input corresponding to one of the at least two transactions.

6. The automated banking machine according to claim 5, wherein the identifying device includes a biometric reader.

7. A cash dispensing automated banking machine comprising:

a computer,

a cash dispenser in operative connection with the computer; and

a wireless communication device in operative connection with the computer, wherein the wireless communication device enables the machine to communicate with a plurality of portable wireless devices, wherein the computer is operative to enable the plurality of portable wireless devices to independently communicate with the machine to perform respective transactions, wherein the respective transactions each span a time period, wherein the transaction time periods associated with at least two portable wireless devices at least partially overlap in time.

8. The machine according to claim 7, further comprising a plurality of transaction function devices, wherein at least one transaction function device in the machine includes the cash dispenser.

9. The machine according to claim 7, wherein the portable wireless devices include mobile phones.

10. The machine according to claim 7, wherein the wireless communication device includes a wireless access hub.

11. A cash dispensing automated banking machine comprising:

a computer;

a cash dispenser in operative connection with the computer; and

a wireless communication device in operative connection with the computer, wherein the wireless communication device enables the machine to communicate with a plurality of portable wireless devices, wherein the computer is operative to enable the plurality of portable wireless devices to independently communicate with the machine to perform respective transactions, wherein the respective transactions each span a time period, wherein the transaction time periods associated with at least two portable wireless devices at least partially overlap in time, wherein when the at least two portable wireless devices communicate with the machine to perform respective transactions that both require the operation of a first transaction function device, the computer is operative to cause outputs to be generated from at least one output device to sequentially prompt users of the at least two portable wireless devices to move adjacent the first transaction function device.

12. A cash dispensing automated banking machine comprising:

a computer;

a cash dispenser in operative connection with the computer; and

a wireless communication device in operative connection with the computer, wherein the wireless communication device enables the machine to communicate with a plurality of portable wireless devices, wherein the computer is operative to enable the plurality of portable wireless devices to independently communicate with the machine to perform respective transactions, wherein the respective transactions each span a time period, wherein the transaction time periods associated with at least two portable wireless devices at least partially overlap in time, wherein when the at least two portable wireless devices communicate with the machine to perform respective transactions that both require the operation of a first transaction function device, the computer is operative to cause a first wireless message to be sent to a first one of the at least two portable wireless devices, wherein the first message is operative to cause the first portable wireless device to output a prompt message to instruct a user to move adjacent the first transaction function device.

13. The machine according to claim 12, wherein the computer is operative to cause the first transaction function device to operate responsive to receipt by the machine of a second wireless message from the first portable wireless device, wherein the second message is representative of an input to the first portable wireless device indicative of a request to operate the first transaction function device.

14. The machine according to claim 12, further comprising an identifying device in operative connection with the computer, wherein the identifying device is operative to receive at least one input indicative of an identity of a user, wherein the computer is operative to cause operation of the first transaction function device responsive to the at least one input corresponding to a user associated with the first portable wireless device.

15. The machine according to claim 14, wherein the identifying device includes a biometric reader.

16. A cash dispensing automated banking machine comprising:

one currency sheet dispensing device selectively operative to dispense currency sheets from the automated banking machine;

an RF communication device;

at least one computer in the machine, wherein the at least one computer is in operative connection with the currency sheet dispensing device and the RF communication device;

wherein the at least one computer operates to cause the machine to carry out concurrently with each of a plurality of users through operation of the RF communication device, a plurality of transactions that each include dispensing with the one currency sheet dispensing device at least one currency sheet corresponding to each user'"'"'s respective transaction.