Automated banking machine and system

• US 7,580,896 B2
• Filed: 02/19/2008
• Issued: 08/25/2009
• Est. Priority Date: 11/27/1996
• Status: Expired due to Fees

• Current Assignee: Diebold Incorporated (Diebold Nixdorf, Incorporated)
• Original Assignee: Diebold Incorporated (Diebold Nixdorf, Incorporated)
• Inventors: Drummond, Jay Paul, Blackson, Dale, Smith, Mark D., Weis, David W., Cichon, Bob A., Moales, Mark A., Ess, Joseph C., Church, James
• Primary Examiner(s): Elisca; Pierre E
• Application Number:
  US12/070,513
• Publication Number:
  US 20080147547A1
• Time in Patent Office: 553 Days
• Field of Search: 705/64, 705/1
• US Class Current: 705/64
• CPC Class Codes: G06F 9/451 Execution arrangements for user interfaces
• 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 20/382 insuring higher security of transaction
• 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 19/206 Software aspects at ATMs
• CPC Class Codes: G07F 19/211 Software architecture within ATMs or in relation to the ATM network
• CPC Class Codes: G07F 9/02 Devices for alarm or indication, e.g. when empty; Advertising arrangements in coin-freed apparatus alarms or warning devices indicating the interruption of flow to be metered G07F15/10
• CPC Class Codes: H04L 67/02 based on web technology, e.g. hypertext transfer protocol [HTTP]

Abstract

An automated banking machine includes at least one browser and transaction function devices, including a currency dispenser device. The machine can be operated in a modified mode in response to transactions that are no longer available. A browser can be used to communicate with one or more servers. Data indicative of the availability of the certain transaction function *devices can be communicated to a server. One or more mark up language documents containing data and/or instructions that correspond to the operational availability to the machine of the transaction function devices can be accessed. The machine can then be operated responsive to the data and/or instructions. For example, the machine may change its display output to a customer to reflect its current transaction function device status. Customer transaction options can be readily changed via machine/server communication on a machine by machine basis.

Claims

1. A system comprising:

a server from which different automated transaction machines can access different mark up language documents,

wherein the server is operative to receive first machine device data indicative of a first operational availability of transaction function devices in a first automated transaction machine,

wherein responsive to receiving the first machine device data, the server is operative to provide a first mark up language document,

wherein the first mark up language document includes first automated transaction machine instructions which correspond to the first operational availability of the transaction function devices in the first automated transaction machine,

wherein the server is operative to receive second machine device data indicative of a second operational availability of transaction function devices in a second automated transaction machine that differs from the first operational availability of the transaction function devices in the first automated transaction machine,

wherein responsive to receiving the second machine device data, the server is operative to provide a second mark up language document,

wherein the second mark up language document includes second automated transaction machine instructions corresponding to the second operational availability of the transaction function devices in the second automated transaction machine,

 

wherein the second automated transaction machine instructions differ from the first automated transaction machine instructions.

2. The system according to claim 1

wherein the first document includes a first reference,

wherein the first reference is to a first transaction functionality carried out by a first transaction function device,

wherein the second document includes a second reference,

wherein the second reference is to a second transaction functionality carried out by a second transaction function device,

wherein the functionality carried out by the second transaction function device differs from the functionality carried out by the first transaction function device.

3. The system according to claim 1 wherein the server comprises a database server, wherein the database server includes the different mark up language documents, and wherein the different mark up language documents include the first mark up language document and the second mark up language document.

4. The system according to claim 1 and further comprising at least one data store, wherein the at least one data store includes the different mark up language documents, wherein the different mark up language documents include the first mark up language document and the second mark up language document, and wherein the server is in operative connection with the at least one data store.

5. The system according to claim 1 and further comprising a plurality of automated transaction machines, wherein the plurality of automated transaction machines include the first automated transaction machine and the second automated transaction machine, and wherein the server is operative to receive from each of the plurality of automated transaction machines, respective device data indicative of operational availability of transaction function devices.

6. The system according to claim 5 wherein at least one of the plurality of automated transaction machines includes a cash dispenser device, wherein the at least one automated transaction machine enables an authorized machine user to carry out a cash withdrawal transaction.

7. The system according to claim 6 wherein the at least one automated transaction machine includes at least one computer and at least one user data reading device,

wherein the at least one user data reading device includes a card reading device,

wherein the at least one computer is operative to cause card data read by the card reading device to be compared with data store information,

wherein the at least one user data reading device includes a biometric reading device,

wherein the at least one computer is operative to cause biometric data read by the biometric reading device to be compared with data store information,

wherein a user is authorized to carry out a transaction responsive to both

a computer determined correspondence between card data read by the card reading device and data store information, and

a computer determined correspondence between biometric data read by the biometric reading device and data store information.

8. The system according to claim 1 wherein the first mark up language document includes instructions operative to cause operation of a transaction function device other than a currency dispenser device.

9. The system according to claim 1 wherein the first mark up language document is directed to an automated transaction machine that includes both an operational currency dispenser device and an operational depository device.

10. The system according to claim 1 wherein the second mark up language document is directed to an automated transaction machine that includes an operational currency dispenser device but not an operational depository device.

11. The system according to claim 10 wherein the second mark up language document is directed to an automated transaction machine that does not have a depository device.

12. The system according to claim 1 wherein the first mark up language document and the second mark up language document are directed to automated transaction machines that include at least one of a card reader, a currency dispenser device, a depository, a display device, and a receipt printer.

13. The system according to claim 1 wherein the first document is directed to an automated transaction machine that includes both an operational currency dispenser device and an operational check handling device, and wherein the second document is directed to an automated transaction machine that includes an operational currency dispenser device but not an operational check handling device.

14. A system comprising:

a plurality of mark up language documents,

wherein each document includes different automated transaction machine instructions,

wherein the different instructions correspond to different conditions of automated transaction machine functionality,

wherein the different conditions depend on operational availability of transaction function devices in an automated transaction machine,

wherein the different instructions are operative to cause different automated transaction machine operations,

a server from which the plurality of mark up language documents can be accessed,

wherein responsive to receiving indication of a first condition of automated transaction machine functionality, the server is operative to provide from the plurality of mark up language documents, a first mark up language document which includes automated transaction machine instructions that correspond to the first condition,

wherein the first mark up language document instructions are operative to cause a first automated transaction machine operation,

wherein responsive to receiving indication of a second condition of automated transaction machine functionality, the server is operative to provide from the plurality of mark up language documents, a second mark up language document which includes automated transaction machine instructions that correspond to the second condition,

wherein the second mark up language document instructions are operative to cause a second automated transaction machine operation,

wherein the second mark up language document instructions differ from the first mark up language document instructions.

15. The system according to claim 14

wherein the first mark up language document includes a first reference,

wherein the first reference is to a first transaction functionality carried out by a first type of transaction function device,

wherein the second mark up language document includes a second reference,

wherein the second reference is to a second transaction functionality carried out by a second type of transaction function device,

wherein the functionality carried out by the second transaction function device differs from the functionality carried out by the first transaction function device.

16. The system according to claim 14 and further comprising a plurality of automated transaction machines, wherein the plurality of automated transaction machines include at least one automated transaction machine comprising a cash dispenser device,

wherein the server is in operative to receive from each of the plurality of automated transaction machines, an indication of a condition of automated transaction machine functionality,

wherein the first mark up language document instructions are operative to cause an automated transaction machine display device to output a first display, and wherein the second mark up language document instructions are operative to cause an automated transaction machine display device to output a second display.

17. The system according to claim 14 wherein the first mark up language document is directed to an automated transaction machine that includes both an operational currency dispenser device and an operational depository device.

18. The system according to claim 14 wherein the first mark up language document is directed to an automated transaction machine that includes an operational currency dispenser device and an operational check handling device.

19. The system according to claim 18 wherein the second mark up language document is directed to an automated transaction machine that includes an operational currency dispenser device but not an operational check handling device.

20. A system comprising:

an automated transaction machine document supply server,

wherein the server is programmed to provide for each of a plurality of automated transaction machines, different display instructions for each of a plurality of different groupings of transaction function devices operationally available to the automated transaction machines,

wherein the server operates to provide a first mark up language document including first display instructions, responsive to receiving first condition data indicative of a first grouping of transaction function devices operationally available to at least one of the automated transaction machines,

wherein the first display instructions are executable in each of the different automated transaction machines to cause display of a first set of available customer transaction options to a machine user,

wherein the first set of available customer transaction options corresponds to operationally available transaction function devices required to carry out the available customer transactions,

wherein the server operates to provide a second mark up language document including second display instructions, responsive to receiving second condition data indicative of a second grouping of transaction function devices operationally available to at least one of the automated transaction machines,

wherein the second display instructions are executable in each of the different automated transaction machines to cause display of a second set of available customer transaction options to a machine user,

wherein the second set of available customer transaction options corresponds to operationally available transaction function devices required to carry out the available customer transactions,

wherein the second set of available customer transaction options differs from the first set of available customer transaction options.