Automated banking machine system using internet address customer input

• US 7,251,631 B2
• Filed: 03/17/2003
• Issued: 07/31/2007
• Est. Priority Date: 11/27/1996
• Status: Expired due to Fees

• Current Assignee: Diebold Nixdorf, Incorporated
• Original Assignee: Diebold Incorporated (Diebold Nixdorf, Incorporated)
• Inventors: Drummond, Jay Paul, Smith, Mark D., Blackson, Dale H., Cichon, Bob A., Moales, Mark A., Covert, Mark S., Ess, Joseph C., Church, James, Weiss, David W.
• Primary Examiner(s): Dixon; Thomas A.
• Application Number:
  US10/390,586
• Publication Number:
  US 20030217004A1
• Time in Patent Office: 1,597 Days
• Field of Search: 705/1, 705/17, 705/18, 705/42, 705/43, 705/44, 235/379, 235/380, 235/382, 709/217, 709/218, 709/219
• US Class Current: 705/43
• 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 20/042 characterized in that the payment protocol involves at least one cheque
• 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 20/202 Interconnection or interaction of plural electronic cash registers [ECR] or to host computer, e.g. network details, transfer of information from host to ECR or from ECR to ECR
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• 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: 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 63/0853 using an additional device, e.g. smartcard, SIM or a different communication terminal cryptographic mechanisms or cryptographic arrangements for entity authentication involving additional secure or trusted devices H04L9/3234
• CPC Class Codes: H04L 63/0861 using biometrical features, e.g. fingerprint, retina-scan cryptographic mechanisms or cryptographic arrangements for entity authentication using biological data H04L9/3231
• CPC Class Codes: H04L 63/12 Applying verification of the received information cryptographic mechanisms or cryptographic arrangements for data integrity or data verification H04L9/32
• 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 67/565 : Conversion or adaptation of application format or content adding application control or application functional data H04L67/561
• CPC Class Codes: H04L 67/568 : Storing data temporarily at an intermediate stage, e.g. caching
• CPC Class Codes: H04L 69/329 : in the application layer [OSI layer 7]
• CPC Class Codes: H04L 69/40 : for recovering from a failure of a protocol instance or entity, e.g. service redundancy protocols, protocol state redundancy or protocol service redirection management of faults, events, alarms or notifications in data switching networks H04L41/06
• 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/TP 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. Apparatus comprising:

an automated transaction machine including;

a currency dispenser mechanism, wherein the currency dispenser mechanism is operative to dispense currency from the machine to a user of the machine;

at least one input device, wherein the at least one input device is operative to receive from a user of the machine user input including input data uniquely associated with a user of the machine;

a computer;

software executable in the computer, wherein the software is operative to cause generation of an HTTP address based on the receive input data and to cause accessing the generated HTTP address.

2. The apparatus according to claim 1 wherein the computer is in operative connection with the at least one input device and the currency dispenser mechanism.

3. The apparatus according to claim 1 and further including a record, wherein the computer is operative to access the record at the HTTP address.

4. The apparatus according to claim 3 wherein the record includes data associated with verifying the identity of the user.

5. The apparatus according to claim 3 wherein the machine is operative to perform a plurality of transactions including dispensing currency, wherein the record includes data corresponding to a particular user, wherein the data authorizes which transactions are available to the particular user.

6. The apparatus according to claim 5 wherein the data authorizes the particular user less than all of the transactions which the machine is operative to perform.

7. The apparatus according to claim 1 wherein the at least one input device includes a card reader device, wherein the card reader device is operative to read card data from a card input by a user of the machine.

8. The apparatus according to claim 1 wherein the at least one input device includes a biometric input device, wherein the biometric input device is operative to receive, biometric input from a user of the machine.

9. A method comprising:

(a) receiving user input with at least one input device of an automated transaction machine including a currency dispenser mechanism from a user of the machine, wherein the input includes input data uniquely associated with a user of the machine, wherein the currency dispenser mechanism is operative to dispense currency from the machine to a user of the machine;

(b) executing software with a computer of the machine to generate an HTTP address based on the received input data;

(c) executing software with the computer of the machine to recess the generated HTTP address.

10. The method according to claim 9 and further comprising

(d) receiving a message with a server from a browser of the computer, wherein the message includes an HTTP address corresponding to at least one HTTP record accessible through the server including user information uniquely corresponding to the input data;

(e) accessing through the server the at least one HTTP record including the user information corresponding to the received HTTP address;

(f) transmitting data corresponding to the user information in the accessed at least one HTTP record to the browser.

11. The method according to claim 9 wherein the computer is in operative connection with the at least one input device and the currency dispenser mechanism, and further comprising operating the computer to receive data from the at least one input device and operating the computer to instruct the currency dispenser mechanism to dispense currency.

12. The method according to claim 9 wherein the at least one input device includes a card reader device, wherein the card reader device is operative to reed card data from a card input by a user of the machine, and wherein (a) comprises receiving a card having card data and reading the card data.

13. The method according to claim 9 wherein the at least one input device includes a biometric input device, wherein the biometric input device is operative to receive biometric input from a user of the machine, and wherein (a) comprises receiving biometric input from a user of the machine.

14. A method comprising:

(a) reading received user input data uniquely associated with user with a reading device in an automated transaction machine;

(b) responsive tote data read in (a), generating an HTTP address with a computer;

(c) accessing user data corresponding to the read data from a record corresponding to the address, wherein the user data includes user preference data representative of at least one preference of the user;

(d) accessing at least one of a plurality of documents with a browser operating in the computer, wherein the at least one document is selectively accessed responsive to the user preference data.

15. A method comprising:

(a) reading received user input data uniquely associated with a user with reading device in an automated transaction machine;

(b) responsive to the data read in (a), generating an HTTP address with a computer;

(c) accessing user data corresponding to the read data from a record corresponding to the address, wherein the user data includes user affiliation data representative of at least one affiliation of the user;

(d) accessing at least one of a plurality of documents with a browser operating in the computer, wherein the at least one document is selectively accessed responsive to the user affiliation data.

16. Computer readable media bearing instructions operative to cause at least one computer of an automated transaction machine to carry out a method comprising:

(a) reading indicia associated with a user with at least one reading device of an automated transaction machine including a currency dispenser mechanism operative to dispense currency from the machine responsive to a currency dispensing operation of at least one computer of the machine;

(b) responsive to the indicia read in (a) generating an HTTP address with the at least one computer;

(c) accessing user data corresponding to the read indicia from an HTTP record corresponding to the address.

17. The computer readable media according to claim 16 wherein the computer readable instructions are further operative to cause the at least one computer to carry out

(d) comparing data representative of a user input and the user data accessed in (c) for correspondence;

(e) operating a transaction function device on the machine responsive to determining in (d) correspondence between the user input and user data.

18. Computer readable media bearing instructions operative to cause a server to carry out a method comprising:

(a) receiving a message from a browser of a computer of an automated transaction machine including a currency dispenser mechanism operative to dispense currency from the machine responsive to a currency dispensing operation, wherein the message includes an HTTP address for accessing at least one HTTP record accessible through the server including user information uniquely corresponding to at least one input by a user of the machine;

(b) responsive to (a), accessing the at least one HTTP record including the user information corresponding to the received HTTP address;

(c) transmitting data corresponding to the user information in the accessed at least one HTTP record to the browser.

19. A method comprising:

(a) receiving a message with a server from a browser of a computer of an automated transaction machine including a currency dispenser mechanism operation to dispense currency from the machine responsive to a currency dispensing operation, wherein the message includes an HTTP address for accessing at least one HTTP record accessible through the server including user information uniquely corresponding to at least one input by a uses of the machine;

(b) responsive to (a), accessing through the server the at least one HTTP record including the user information corresponding to the received HTTP address;

(c) transmitting data corresponding to the user information in the accessed at least one HTTP record to the browser.

20. The method according to claim 19 and prior to (a) further comprising

(d) receiving user input with at least one input device of the automated transaction machine from a user of the machine, wherein the input includes input data uniquely associated with a user of the machine;

(e) executing software with the computer to generate the HTTP address based on the received input data;

(f) transmitting the generated HTTP address to the server.

21. The method according to claim 20 and further comprising

(g) receiving the transmitted data with the browser;

(h) responsive to (g), carrying out a currency dispensing operation including dispensing currency out the machine.