Automated banking machine system with multiple entity interface

• US 7,603,302 B1
• Filed: 05/25/2000
• Issued: 10/13/2009
• 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, Smith, Mark D., Gilger, Mikal R., Church, James R., Cichon, Bob A., Weis, David
• Primary Examiner(s): CAMPEN, KELLY SCAGGS
• Application Number:
  US09/578,291
• Time in Patent Office: 3,428 Days
• Field of Search: 705/42, 705/43, 705/39, 705/26, 705/35, 902/14, 902/13, 902/8, 707/513, 707/500, 235/379
• US Class Current: 705/35
• CPC Class Codes: G06F 16/95 Retrieval from the web
• CPC Class Codes: G06F 3/023 Arrangements for converting discrete items of information into a coded form, e.g. arrangements for interpreting keyboard generated codes as alphanumeric codes, operand codes or instruction codes
• CPC Class Codes: G06F 3/04895 Guidance during keyboard input operation, e.g. prompting
• CPC Class Codes: G06Q 20/00 Payment architectures, schemes or protocols apparatus for performing or posting payment transactions G07F7/08, G07F19/00; electronic cash registers G07G1/12
• CPC Class Codes: G06Q 20/042 characterized in that the payment protocol involves at least one cheque
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• 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 30/06 Buying, selling or leasing transactions
• 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: H04L 67/02 based on web technology, e.g. hypertext transfer protocol [HTTP]
• CPC Class Codes: H04L 67/12 specially adapted for proprietary or special-purpose networking environments, e.g. medical networks, sensor networks, networks in vehicles or remote metering networks
• CPC Class Codes: H04L 67/34 involving the movement of software or configuration parameters network booting or remote initial program loading [RIPL] G06F9/4416
• CPC Class Codes: H04L 69/329 in the application layer [OSI layer 7]
• CPC Class Codes: H04L 9/40 Network security protocols

Abstract

An automated banking machine (12) is operative to conduct transactions in response to HTML documents and TCP/IP messages exchanged with a local computer system (14) through an intranet (16), as well as in response to messages exchanged with foreign servers (20, 22, 24, 26, 28, 96) in a wide area network (18). The banking machine includes a computer (34) having an HTML document handling portion (76, 80, 82) including one or more browsers. The HTML document handling portion is operative to communicate through a proxy server (88), with a home HTTP server (90) in the intranet or the foreign servers in the wide area network. The computer further includes a device application portion (84) which interfaces with the HTML document handling portion and dispatches messages to operate devices (36) in the automated banking machine. The devices include a sheet dispenser mechanism (42) which dispenses currency as well as other transaction function devices. The device application portion communicates with a device interfacing software portion (64) in the banking machine through a device server (92) in the intranet. The device server maintains local control over the devices in the banking machine including the sheet dispenser. The banking machine operates to read indicia on the user'"'"'s card corresponding to a network address. The computer is operative to connect the banking machine to the home or foreign server corresponding to the network address, which connected server operates the banking machine to conduct transactions by the user. The customer is enabled to operate the banking machine using a familiar interface. The machine may also connect to other applications to provide the customer with promotional material or additional transaction options.

Claims

1. A method comprising the steps of:

a) reading card indicia on a card presented by a customer to an automated banking machine, the card indicia including entity data corresponding to an entity with which the customer has an account;

b) resolving network address data with the banking machine responsive to the entity data and data stored in a data store;

c) operating a browser in the banking machine responsive to the resolved network address data, to access at least one network address in a network, wherein the network address accessed corresponds to an address of a server adapted to deliver documents corresponding to the entity with which the customer has the account.

2. The method according to claim 1 wherein the banking machine includes an output device, and further comprising the steps of processing at least one document corresponding to the entity with which the customer has the account from the server, and providing at least one output through the output device responsive to the at least one document.

3. The method according to claim 2 wherein the output device comprises a display, and wherein in the providing step the output includes a visual output.

4. The method according to claim 1 wherein the automated banking machine includes at least one transaction function device, and wherein at least a first one of the documents includes at least one instruction which is operative to cause operation of the transaction function device, and further comprising the step of processing the first document with the browser and operating the transaction function device responsive to the at least one instruction in the first document.

5. The method according to claim 1 and further comprising the steps of:

d) providing a plurality of servers, one for each of a plurality of entities with which a plurality of users of the automated banking machine have accounts, each server being in operative connection with a network and having a corresponding network address, each server being adapted to deliver at least one document corresponding to the entity with which it is associated;

repeating steps (a) through (c) for each card presented by a customer at the automated banking machine, whereby each customer card is operative to cause the browser to connect to the server including the at least one document corresponding to the entity with which the customer has their account.

6. The method according to claim 5 wherein the automated banking machine includes a display in operative connection with the browser, and wherein the documents include instructions for producing at least one screen uniquely associated with the corresponding entity, and wherein in step (c) the browser is operative responsive to the instructions in the documents to cause to be produced on the display the at least one screen uniquely associated with the entity with which the customer has their account.

7. The method according to claim 1 wherein the automated banking machine is operated by a further entity, and further comprising the steps of:

d) charging the account of the customer a transaction fee for use of the automated banking machine operated by the further entity;

e) sharing between the entity and the further entity at least a portion of the transaction fee.

8. The method according to claim 1 and further comprising the step of:

d) accessing with a browser a plurality of documents from the server associated with the entity with which the customer has the account;

e) accessing with a browser operating in the automated banking machine at least one advertising document from a further server operated by an advertising entity;

f) processing the advertising document with a browser to produce advertising content through an output device in operative connection with the automated banking machine.

9. The method according to claim 8 wherein the automated banking machine is operated by a further entity, and further comprising the step of:

g) making a payment by the advertising entity to the further entity, whereby the further entity operating the automated banking machine is compensated for having the advertising entity present advertising content on the banking machine.

10. The method according to claim 8 wherein step (e) is executed during step (d).

11. The method according to claim 8 wherein in step (d) at least one document is accessed with a first browser operating in the banking machine, and wherein in step (e) at least one document is accessed with a second browser operating in the banking machine.

12. The method according to claim 1, wherein in (a) the automated banking machine includes a cash dispenser.

13. The method according to claim 12, further comprising:

d) dispensing cash through operation of the cash dispenser.

14. An apparatus comprising:

a plurality of institution servers, each institution server associated with one of a plurality of financial institutions, wherein each institution server has at least one unique network address, and wherein each institution server is operative to deliver at least one document associated with the respective institution;

a network in operative connection with each of the plurality of institution servers;

at least one automated banking machine, wherein the banking machine includes a computer having a browser operating therein, a card reader and an output device in operative connection with the computer;

wherein the automated banking machine is operative responsive to reading card indicia on a card read by the card reading device, to cause the browser to connect through the network to a network address of an institution server corresponding to the card indicia.

15. The apparatus according to claim 14 wherein the browser is operative to process at least one document from the institution server and to provide an output responsive to the document through the output device on the banking machine.

16. The apparatus according to claim 14 wherein the browser is operative to process at least one document from the institution server, wherein the banking machine includes at least one transaction function device, and wherein the document includes at least one instruction for enabling operation of the transaction function device, and wherein the transaction function device is enabled to operate responsive to the browser processing the document.

17. The apparatus according to claim 16 wherein the transaction function device includes a sheet dispenser, and wherein the document includes at least one sheet dispenser instruction, and wherein the sheet dispenser is enabled to dispense at least one sheet responsive to the browser processing the document.

18. The apparatus according to claim 14 wherein the card indicia includes a BIN number, and wherein the automated banking machine is operative to resolve the network address responsive to the BIN number.

19. The apparatus according to claim 14 and further comprising at least one advertising server in operative connection with the network, wherein the advertising server has at least one unique network address, and wherein the advertising server is operative to provide at least one advertising document, and wherein the computer is programmed to operate to cause the browser to access the advertising document from the advertising server, wherein the computer is operative to output advertising content through the output device responsive to the advertising document.

20. The apparatus according to claim 19 wherein the automated banking machine includes at least one transaction function device in operative connection with the computer, and wherein the computer is operative to cause the browser to process at least one document from the institution server, and wherein the document from the institution server includes device instructions, and wherein the computer is adapted to enable the transaction function device to operate responsive to the device instructions, and wherein the computer operates to cause the advertising content to be output through the output device during operation of the transaction function device.

21. The apparatus according to claim 20 wherein the transaction function device includes a note dispenser, and wherein the advertising content is output during operation of the note dispenser.

22. The apparatus according to claim 19 wherein the computer includes a first browser and a second browser operating therein, and wherein the computer operates the first browser to access the institution server and the second browser to access the advertising server.

23. The apparatus according to claim 14, wherein the automated banking machine comprises a cash dispenser.