Cash withdrawal from ATM via videophone

• US 7,216,800 B1
• Filed: 05/02/2006
• Issued: 05/15/2007
• Est. Priority Date: 04/17/1998
• Status: Expired due to Fees

• Current Assignee: Diebold Nixdorf, Incorporated
• Original Assignee: Diebold Incorporated (Diebold Nixdorf, Incorporated)
• Inventors: Ramachandran, Natarajan
• Primary Examiner(s): Frech, Karl D.
• Application Number:
  US11/415,537
• Time in Patent Office: 378 Days
• Field of Search: 235/379, 705/43
• US Class Current: 235/379
• CPC Class Codes: G06Q 20/1085 involving automatic teller machines [ATMs]
• CPC Class Codes: G06Q 20/325 using wireless networks
• CPC Class Codes: G06Q 20/3276 using a pictured code, e.g. barcode or QR-code, being read by the M-device
• CPC Class Codes: G06Q 20/425 using two different networks, one for transaction and one for security confirmation
• CPC Class Codes: G07F 19/20 Automatic teller machines [ATMs]
• CPC Class Codes: G07F 19/203 Dispensing operations within ATMs dispensing in general G07D11/00

Abstract

Apparatus and method for purchasing cash from an ATM. The ATM has a unique identifier visibly located thereon. A customer phone includes a camera and a programmable memory. The camera can be used to capture an image of the ATM'"'"'s identifier. The memory includes customer account data. A customer uses their phone to establish wireless communication with a transaction host. The customer can transmit to the host a request for cash from the ATM. The request includes the account data and the image. The host can use the account data in payment for the requested cash. The host can use the image to identify the particular ATM associated with the request. After payment, the host causes the identified ATM to dispense the requested cash.

Claims

1. Apparatus comprising:

an automated teller machine (ATM) operative to dispense cash responsive to a remotely-placed ATM identifier-based customer cash withdrawal request, including;

at least one communication device,

wherein the at least one communication device is adapted to communicate with a network,

a cash dispenser,

wherein the cash dispenser is adapted to dispense cash,

a unique ATM identifier adapted to distinguish the ATM from other ATMs,

wherein identifier data corresponding to the ATM identifier is obtainable by an authorized customer of the ATM,

wherein the ATM identifier permits a customer cash withdrawal request including the identifier data to be made without customer input to the ATM,

wherein the at least one communication device is operative to receive responsive to the identifier data in the request, instruction from the network to dispense cash corresponding to the request,

 

wherein the cash dispenser is operative to dispense the cash corresponding to the request responsive to receiving the instruction.

2. The apparatus according to claim 1 wherein the identifier is located at the ATM, wherein the identifier is visible to a customer of the ATM.

3. The apparatus according to claim 2 wherein the identifier is located on an exterior surface of the ATM.

4. The apparatus according to claim 3 wherein the identifier comprises an ID number.

5. The apparatus according to claim 3 wherein the identifier comprises a bar code ID.

6. The apparatus according to claim 3 and further comprising

a portable hand-held device including a camera,

wherein the camera is operative to capture an image of the ATM identifier,

wherein the hand-held device is operative to wirelessly transmit the image,

wherein the hand-held device is operative to wirelessly transmit the cash withdrawal request.

7. The apparatus according to claim 2 wherein the ATM includes a display device, wherein the display device is operative to visibly output the identifier.

8. The apparatus according to claim 7 wherein the display device includes a display screen, wherein the display device is operative to display the identifier on the display screen.

9. The apparatus according to claim 1 and further comprising

a retail establishment,

wherein the ATM is located in the retail establishment,

wherein the retail establishment includes a transaction terminal,

wherein the terminal is linked to the network.

10. The apparatus according to claim 9 and further comprising

a portable hand-held device,

wherein the hand-held device is operative to obtain identifier data from the ATM,

wherein the hand-held device is operative to wirelessly transmit to the network a cash withdrawal request,

wherein the hand-held device is operative to wirelessly transmit to the network obtained identifier data,

wherein the hand-held device includes programmable memory,

wherein the memory includes a financial account number,

wherein the hand-held device is operative to wirelessly transmit the financial account number to the terminal,

wherein the terminal is operative to receive a financial account number wirelessly transmitted from the portable hand-held device,

wherein the network is operative to instruct the ATM to dispense cash corresponding to the request responsive to payment for the cash via the financial account number.

11. The apparatus according to claim 1 and further comprising the network,

wherein the network comprises an a plurality of ATMs, including the ATM,

wherein each ATM includes a unique ATM identifier,

wherein the network includes an ATM host,

wherein the ATM host is operative to communicate with each of the plurality of ATMs,

wherein the network is operative to identify an ATM from other ATMs in the network based on identifier data received in a customer cash withdrawal request.

12. The apparatus according to claim 11 wherein the network is operative to approve a cash dispense authorization responsive to receiving a customer cash withdrawal request, wherein the approval is not based on identifier data.

13. The apparatus according to claim 11 wherein the network is operative to instruct a particular ATM that corresponds to identifier data received in a customer cash withdrawal request, to dispense cash responsive to identification of the particular ATM.

14. The apparatus according to claim 11 and further comprising

a portable hand-held device,

wherein the hand-held device is operative to receive identifier data,

wherein the hand-held device is operative to wirelessly transmit to the network a cash withdrawal request including received identifier data,

wherein the network is operative to receive a cash withdrawal request wirelessly transmitted from the hand-held device.

15. The apparatus according to claim 14

wherein the identifier is located at the ATM, wherein the identifier is visible to a customer of the ATM,

wherein the hand-held device comprises a phone including a camera,

wherein the camera is operative to capture image data corresponding to the identifier,

wherein the image data comprises identifier data,

wherein the phone is operative to wirelessly transmit the image data to the network.

16. The apparatus according to claim 15

wherein the network is operative to identify an ATM from the image data received from the phone,

wherein the network is operative to instruct an identified ATM to dispense cash corresponding to a cash withdrawal request responsive to identification of the ATM.

17. The apparatus according to claim 14

wherein the hand-held device includes programmable memory,

wherein the memory includes a financial account number,

wherein the hand-held device is operative to wirelessly transmit the financial account number to the network,

wherein the network is operative to receive a financial account number wirelessly transmitted from the portable hand-held device.

18. The apparatus according to claim 17

wherein the network is operative to associate payment for an amount of cash requested in a cash withdrawal request to a financial account number received from the portable hand-held device.

19. The apparatus according to claim 17 wherein the financial account number includes at least one of charge account data and debit account data.

20. Apparatus comprising:

an automated teller machine (ATM),

wherein the ATM includes a cash dispenser,

wherein the cash dispenser is operative to dispense cash,

wherein the ATM has a unique ATM identifier adapted to distinguish the ATM from other ATMs,

a network,

wherein the network includes at least one computer,

wherein the network is operative to communicate with the ATM,

wherein without communication from the ATM to the network, the network is operative to wirelessly receive from a customer a cash withdrawal request that the ATM dispense cash,

wherein without communication from the ATM to the network, the network is operative to wirelessly receive from the customer ATM identifying data corresponding to the ATM identifier,

wherein the network is operative to link the ATM to the cash withdrawal request via the ATM identifying data,

wherein the network is operative to instruct the ATM via communication with the ATM, to dispense cash corresponding to the cash withdrawal request responsive to approval of the cash withdrawal request.