Cash dispensing automated banking machine with instructional electronic ink displays

• US 7,481,360 B1
• Filed: 09/15/2005
• Issued: 01/27/2009
• Est. Priority Date: 04/17/1998
• Status: Expired due to Fees

• Current Assignee: Diebold Nixdorf, Incorporated
• Original Assignee: Diebold Self-Service Systems (Diebold Nixdorf, Incorporated)
• Inventors: Modi, Ashok, Motz, Ray, Ramachandran, Natarajan, Hill, Jeff, Steinbach, Klaus
• Primary Examiner(s): Frech, Karl D.
• Application Number:
  US11/228,089
• Time in Patent Office: 1,230 Days
• Field of Search: 235/379, 902/20, 902/21
• US Class Current: 235/379
• CPC Class Codes: G06Q 20/18 involving self-service terminals [SST], vending machines, kiosks or multimedia terminals
• CPC Class Codes: G06Q 20/223 based on the use of peer-to-peer networks
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/3227 using secure elements embedded in M-devices
• 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 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 20/3821 Electronic credentials
• CPC Class Codes: G06Q 20/40145 Biometric identity checks
• CPC Class Codes: G07F 19/20 Automatic teller machines [ATMs]
• CPC Class Codes: G07F 19/205 Housing aspects of ATMs
• CPC Class Codes: G07G 1/0045 with a code reader for reading of an identifying code of the article to be registered, e.g. barcode reader or radio-frequency identity [RFID] reader
• CPC Class Codes: G07G 1/0081 the reader being a portable scanner or data reader G07G1/009 takes precedence

Abstract

An ATM includes a user interface having plural electronic ink displays. Displays can be used as identification labels. A display identifying the function of a transaction function device can be located adjacent to that device. Displays can also be used to provide instructions to machine users. A display on how to insert a card into the ATM can be located adjacent the card input slot. An display can be in direct communication with both a card reader and an encryption pin pad (“EPP”). Upon suspecting card reader tampering, the card reader can instruct the display to present a message warning of the situation. Likewise, upon suspecting EPP tampering, the EPP can instruct the display to present a warning message. Displays can also instruct a machine user on when and when not to insert their PIN depending on the mode of the EPP.

Claims

1. Apparatus comprising:

an automated banking machine,

wherein the automated banking machine includes a user interface,

wherein the user interface includes at least one electronic ink display device,

wherein the automated banking machine includes a computer,

wherein the computer is in operative connection with an electronic ink display device,

wherein the computer is operative to cause the electronic ink display device to visibly display information to a user of the machine.

2. The apparatus according to claim 1 wherein the automated banking machine comprises an automated teller machine (“

ATM”

), wherein the ATM includes a cash dispenser, wherein the cash dispenser is operative to dispense cash from the ATM.

3. The apparatus according to claim 1 wherein the automated banking machine includes transaction function devices, wherein the display device is operative to present an icon identifying a function of a transaction function device.

4. The apparatus according to claim 3 wherein the display device is located adjacent the transaction function device.

5. The apparatus according to claim 4 wherein the transaction function device comprises a card reader, wherein the display device is located adjacent to the card reader.

6. The apparatus according to claim 5 wherein the user interface includes a card input slot adjacent the card reader, wherein the display device is located adjacent the card input slot.

7. The apparatus according to claim 6 wherein the display device is dimensionally aligned with the card input slot.

8. The apparatus according to claim 6 wherein the computer is operative to cause the display device to instruct a machine user on how to insert their card into the card input slot.

9. The apparatus according to claim 8 wherein the computer is operative to cause the display device to display simulated movement of a card toward the card input slot.

10. A method of operating the automated banking machine of claim 9, comprising:

(a) sensing the presence of a person near the automated banking machine;

(b) responsive to (a), operating the display device to display the simulated movement of a card.

11. The apparatus according to claim 3 wherein the transaction function devices include a card reader, wherein the card reader is in direct communication with the display device.

12. The apparatus according to claim 11 wherein responsive to suspected tampering related to the card reader, the card reader is operative to cause the display device to display a warning message specifically related to card reader tampering.

13. The apparatus according to claim 12 wherein the warning message comprises a first warning message, wherein the transaction function devices include an encryption pin pad (“

EPP”

), wherein the display device is in direct communication with both the card reader and the EPP, wherein responsive to suspected EPP tampering, the EPP is operative to cause the display device to display a second warning message specifically related to EPP tampering.

14. The apparatus according to claim 1 wherein the automated banking machine includes an encryption pin pad (“

EPP”

), wherein the computer is in operative connection with the EPP.

15. The apparatus according to claim 14 wherein the EPP is in direct communication with the display device, wherein responsive to suspected tampering related to the EPP, the EPP is operative to cause the display device to display a message specifically related to EPP tampering.

16. The apparatus according to claim 14 wherein the computer is operative to cause the display device to instruct a machine user on when to insert their PIN into the EPP.

17. The apparatus according to claim 16 wherein the EPP includes at least a first mode of operation and a second mode of operation, wherein the computer is operative to cause the display device to present a first display when the EPP is in the first mode, wherein the computer is operative to cause the display device to present a second display when the EPP is in the second mode, and wherein the first display differs from the second display.

18. The apparatus according to claim 17 wherein the first mode of operation corresponds to the EPP being in an encryption mode, and wherein the second mode of operation corresponds to the EPP being out of encryption mode.

19. The apparatus according to claim 18 wherein the first display instructs a machine user to enter their PIN, and wherein the second display warns a machine user not to enter their PIN.

20. Apparatus comprising:

an automated teller machine (“

ATM”

),

wherein the ATM includes a cash dispenser,

wherein the cash dispenser is operative to dispense cash from the ATM,

wherein the ATM includes a card reader,

wherein the ATM includes a user interface,

wherein the user interface includes an encryption pin pad (“

EPP”

),

wherein the user interface includes at least one electronic ink display device,

wherein an electronic ink display device is in operative communication with both the card reader and the EPP,

wherein the card reader is operative to cause the electronic ink display device to display a first warning message responsive to suspected card reader tampering,

wherein the EPP is operative to cause the electronic ink display device to display a second warning message responsive to suspected EPP tampering.