System and method of operating an automated banking machine system and method with inputs from a portable wireless device

• US 7,490,758 B2
• Filed: 01/31/2006
• Issued: 02/17/2009
• 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, Drummond, Jay Paul, Smith, Mark D.
• Primary Examiner(s): LE, THIEN MINH
• Application Number:
  US11/345,429
• Publication Number:
  US 20060191996A1
• Time in Patent Office: 1,113 Days
• Field of Search: 235/379, 705/21, 705/43, 705/17, 340/572.8, 257/737, 298/41
• US Class Current: 235/379
• CPC Class Codes: G06Q 20/327 Short range or proximity payments by means of M-devices
• CPC Class Codes: G07F 19/20 Automatic teller machines [ATMs]
• CPC Class Codes: G07F 19/201 Accessories of ATMs

Abstract

A system and method for enabling a portable wireless devices to operate an automated teller machine (ATM) including cash dispenser is provided. The portable device includes at least one input device and at least one output device. The portable device is responsive to at least one input to the input device to wirelessly communicate with the ATM to carry out at least one financial transaction. The financial transaction may include causing the ATM to dispense cash, accept a deposit, or transfer value between banking accounts.

Claims

1. A method comprising:

(a) operating a mobile phone to wirelessly send at least one message from the mobile phone, wherein the at least one message corresponds to a request from a user of the mobile phone for preauthorization of an automated teller machine (ATM) cash withdrawal transaction, wherein the at least one message includes data corresponding to a financial account and a digital certificate, wherein the mobile phone includes a browser and a display device;

(b) responsive to step (a), wirelessly receiving with the mobile phone, preauthorization for a later executable ATM cash withdrawal transaction that is dependent on the user being adjacent an ATM;

(c) subsequent to step (b), operating the phone to postpone the preauthorized cash withdrawal transaction;

(d) subsequent to step (c), operating the phone to wirelessly send a dispense commence message requesting that the preauthorized cash withdrawal transaction be executed by an ATM;

(e) responsive to step (d), wirelessly receiving with the browser, at least one instruction message associated with a particular ATM;

(f) responsive to step (e), providing through the display device, at least one message instructing the user how to provide evidence to the particular ATM that the user is physically located adjacent the particular ATM in order to cause the particular ATM to dispense an amount of cash corresponding to the preauthorized cash withdrawal transaction; and

(g) subsequent to step (f), wirelessly receiving at least one transaction completion communication with the mobile phone responsive to operation of the particular ATM, wherein the at least one transaction completion communication includes information associated with execution of the preauthorized cash withdrawal transaction by the particular ATM.

2. The method according to claim 1 wherein step (f) includes providing through the display device, a message prompting the user to provide identification input to at least one input device of the particular ATM to allow the particular ATM to determine that the user corresponding to the request in step (a) is present at the particular ATM.

3. The method according to claim 2 wherein step (f) includes providing a message that prompts the user to provide biometric input to a biometric reader device of the particular ATM.

4. The method according to claim 1 wherein step (f) includes providing a message that prompts the user to physically touch a particular input device of the particular ATM.

5. The method according to claim 1

wherein step (a) includes operating the phone to cause the request to be sent to a system in operative connection with a plurality of ATMs including the particular ATM,

wherein step (b) includes receiving the preauthorization from the system, and

wherein step (d) includes operating the phone to cause the dispense commence message to be sent to the system.

6. The method according to claim 5 wherein step (e) includes receiving the at least one instruction message from the system.

7. The method according to claim 5 wherein step (e) includes receiving the at least one instruction message responsive to operation of the particular ATM.

8. The method according to claim 6 wherein step (f) includes displaying a message that prompts the user to provide biometric input to a biometric reader device of the first ATM.

9. A method comprising:

(a) wirelessly sending from a mobile phone, a request from a user of the mobile phone for preauthorization of a cash withdrawal transaction at a cash dispensing automated teller machine (ATM), wherein the request includes data corresponding to a financial account and a digital certificate, wherein the mobile phone includes a browser and a display device;

(b) responsive to step (a), wirelessly receiving with the mobile phone, preauthorization for a cash withdrawal transaction that is executable only with the user adjacent to an ATM;

(c) subsequent to step (b), operating the phone to suspend the preauthorized cash withdrawal transaction;

(d) subsequent to step (c), wirelessly sending from the mobile phone, a dispense commence request operative to cause the preauthorized cash withdrawal transaction to proceed;

(e) responsive to step (d), wirelessly receiving with the browser, at least one information message associated with a first ATM;

(f) responsive to step (e), providing through the display device, a message prompting the user to physically touch a particular input device of the first ATM in order to cause the first ATM to dispense an amount of cash corresponding to the preauthorized cash withdrawal transaction; and

(g) subsequent to step (f), wirelessly receiving at least one transaction completion communication with the mobile phone responsive to operation of the first ATM, wherein the at least one transaction completion communication includes information associated with completion of the preauthorized cash withdrawal transaction.

10. The method according to claim 9 wherein step (f) includes providing a message that prompts the user to provide biometric input to a biometric reader device of the first ATM.

11. The method according to claim 10 wherein step (f) includes displaying a message that prompts the user to either press against an eye scanning device of the first ATM or press a finger against a fingerprint scanner of the first ATM.

12. The method according to claim 9 wherein step (f) includes providing through the display device, a message prompting the user to provide identification input to the particular input device which provides evidence that the user corresponding to the request in step (a) is present at the first ATM.

13. The method according to claim 9 wherein steps (a)-(c) are performed further from the first ATM than steps (d)-(g).

14. The method according to claim 13 wherein steps (d)-(g) are performed on a later date than steps (a)-(c).

15. The method according to claim 9 and further comprising

(h) subsequent to step (c) and prior to step (d), operating the mobile phone to place at least one phone call corresponding to at least one phone number not associated with the cash withdrawal transaction.

16. The method according to claim 9 wherein the mobile phone includes proprietary communication software enabling the mobile phone to securely communicate transaction data with the first ATM, and further comprising

(h) operating the mobile phone to install the proprietary communication software;

wherein step (h) occurs prior to step (a).

17. The method according to claim 9 and further comprising

(h) operating the first ATM to sense user contact with the particular input device;

(i) operating the first ATM to dispense cash responsive to step (i).

18. The method according to claim 9

wherein step (a) includes operating the phone to cause the request to be sent to a system in operative connection with a plurality of ATMs including the first ATM,

wherein step (b) includes receiving a preauthorization sent from the system, and

wherein step (d) includes operating the phone to cause the dispense commence request to be sent to the system.