Self service terminal

• US 7,577,612 B2
• Filed: 02/09/2001
• Issued: 08/18/2009
• Est. Priority Date: 02/18/2000
• Status: Active Grant

• Current Assignee: NCR Atleos Corp.
• Original Assignee: NCR Corporation (NCR Voyix Corporation)
• Inventors: Waller, Michael, MacLeod, Roderick J. M., DeGobbi, Pierpaolo, Savage, John G.
• Primary Examiner(s): Weisberger; Richard C
• Application Number:
  US09/780,696
• Publication Number:
  US 20010051922A1
• Time in Patent Office: 3,112 Days
• Field of Search: 705/40, 705/43, 705/44, 235/379
• US Class Current: 705/43
• CPC Class Codes: G06Q 20/102 Bill distribution or payments
• 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 20/3223 Realising banking transactions through M-devices
• CPC Class Codes: G06Q 20/327 Short range or proximity payments by means of M-devices
• 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: G07F 19/20 Automatic teller machines [ATMs]

Abstract

A self-service terminal (14 or 114 or 214) and a system (10, 100, 200) including a plurality of networked self-service terminals are described. Each terminal (14, 114, 214) has a simple user interface. In one type of terminal (114 or 214), the user interface consists of a dispense area. In another type of terminal (14), the user interface consists of a dispense area (40) and a communication port (38). In one of the systems (10) a user is able to execute a transaction using a portable communication device (24 or 26) implementing a local wireless technology. In the other systems (100 or 200) a user is able to execute a transaction using a cellular network.

Claims

1. An automated teller machine (ATM) for enabling an ATM customer to conduct a cash withdrawal transaction, the ATM comprising:

a network connection connectable through a network to a host which is operable to authorize the cash withdrawal transaction; and

a user interface consisting essentially of (i) a communication port which is operable to transmit transaction information to a portable communication device of the ATM customer to provide the ATM customer with feedback about the cash withdrawal transaction, and (ii) a dispense area in which cash can be dispensed during the cash withdrawal transaction, wherein the user interface provides no keypad to the ATM customer and provides no video display to the ATM customer.

2. An ATM according to claim 1, further comprising means for enabling the ATM to be operable in a first mode in which the ATM customer can enter information using the user interface located on the ATM, and in a second mode in which the ATM customer can enter information using a portable user interface located on the portable communication device.

3. A method of operating an automated teller machine (ATM) having a user interface which has no keypad and no video display and which user interface consists essentially of a communication port and a dispense area, the method comprising:

connecting the ATM through a network to a host which is operable to authorize a cash withdrawal transaction;

transmitting transaction information to a portable communication device of an ATM customer via the communication port to provide the ATM customer with feedback about the cash withdrawal transaction; and

dispensing cash to the dispense area during the cash withdrawal transaction.