Card activated cash dispensing automated banking machine system and method

• US 7,445,146 B2
• Filed: 12/15/2006
• Issued: 11/04/2008
• 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, Smith, Mark D., Drummond, Jay Paul
• Primary Examiner(s): Labaze, Edwyn
• Application Number:
  US11/639,660
• Publication Number:
  US 20070181675A1
• Time in Patent Office: 690 Days
• Field of Search: 235/379, 235/380, 235/382, 235/382.5, 235/376, 235/472.01, 235/2, 705/5, 705/30, 705/35, 705/42, 705/43
• US Class Current: 235/379
• CPC Class Codes: G06K 19/08 using markings of different kinds or more than one marking of the same kind in the same record carrier, e.g. one marking being sensed by optical and the other by magnetic means
• CPC Class Codes: G06K 7/0004 Hybrid readers
• 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 20/3223 Realising banking transactions through M-devices
• CPC Class Codes: G06Q 20/326 Payment applications installed on the mobile devices
• CPC Class Codes: G06Q 20/327 Short range or proximity payments by means of M-devices
• CPC Class Codes: G06Q 20/341 Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
• CPC Class Codes: G07F 17/16 for devices exhibiting advertisements, announcements, pictures or the like
• 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
• CPC Class Codes: G07F 19/211 Software architecture within ATMs or in relation to the ATM network
• CPC Class Codes: G07F 7/0886 the card reader being portable for interacting with a POS or ECR in realizing a payment transaction
• CPC Class Codes: G07F 7/1008 Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system

Abstract

A card activated cash dispensing automated banking machine system and method is provided. The machine is operate to read a financial card bearing account indicia with a card reader of the machine. The machine enables a user to perform banking operations responsive to account indicia read from the card. Such banking operations may include dispensing cash and accessing financial accounts. While a user operates the machine to dispense cash or perform other banking operations, the machine may further permit at least one portable wireless device to wirelessly access the machine to purchase and wirelessly receive digital information such as music and/or video files from the machine.

Claims

1. Apparatus comprising:

a card activated cash dispensing automated banking machine, wherein the machine includes;

at least one computer;

a card reader in operative connection with the at least one computer;

a cash dispenser in operative connection with the at least one computer;

a wireless access device in operative connection with the at least one computer, wherein the wireless access device enables the machine to wirelessly communicate with at least one portable wireless device, wherein the at least one computer is operative to simultaneously communicate with at least one portable wireless device operated by a first user while the at least one computer enables a second user to operate the machine to cause the cash dispenser to dispense cash.

2. The apparatus according to claim 1, wherein the at least one computer is operative to enable the at least one portable wireless device to wirelessly communicate information to the at least one computer, which information is operative to cause the at least one computer to permit a dispense of cash to the first user through operation of the cash dispenser.

3. The apparatus according to claim 1, wherein the information wirelessly communicated from the at least one portable wireless device to the at least one computer includes a financial account number.

4. The apparatus according to claim 1, wherein the at least one computer is operative to enable the at least one portable wireless device to wirelessly communicate information to the at least one computer, which information is operative to cause the at least one computer to wirelessly communicate digital information to the portable wireless device.

5. The apparatus according to claim 4, wherein the information wirelessly communicated from the at least one portable wireless device to the at least one computer includes a financial account number.

6. The apparatus according to claim 5, wherein the digital information wirelessly communicated from the at least one computer to the at least one portable wireless device includes at least one video file.

7. The apparatus according to claim 6, wherein the at least one computer is operative to cause the financial account to be assessed a fee associated with communicating the video file to the portable wireless device.

8. The apparatus according to claim 7, wherein the video file includes digital content for at least one movie.

9. The apparatus according to claim 7, wherein the video file includes digital content for at least one TV show.

10. The apparatus according to claim 7, wherein the at least one portable wireless device includes at least one of a mobile phone, a portable computer, a portable video player, and a PDA.

11. An apparatus comprising:

a card activated cash dispensing automated banking machine, wherein the machine includes;

a housing;

at least one computer mounted in the housing;

a card reader in operative connection with the at least one computer and in supporting connection with the housing;

a cash dispenser in operative connection with the at least one computer, wherein at least a portion of the cash dispenser is mounted in the housing, wherein the at least one computer is operative to enable at least one first user to operate the machine to cause the cash dispenser to dispense cash;

a wireless access device in operative connection with the at least one computer, wherein the wireless access device enables the machine to simultaneously wirelessly communicate with at least two portable wireless devices operated by different users, wherein the at least one computer is operative responsive to at least one wireless communication from each of the at least two portable wireless devices to cause respective transactions to be carried out, wherein each respective at least one wireless communication from each of the at least two portable wireless devices includes data corresponding to an account.

12. The apparatus according to claim 11, wherein the respective transactions carried out include at least one of a dispense of cash through operation of the cash dispenser and a wireless communication of a video file from the machine to one of the portable wireless devices.

13. The apparatus according to claim 12, wherein the account includes a financial account.