Check accepting cash dispensing automated banking machine system and method

• US 7,611,049 B2
• Filed: 11/03/2008
• Issued: 11/03/2009
• Est. Priority Date: 04/17/1998
• Status: Expired due to Fees

• Current Assignee: Diebold Incorporated (Diebold Nixdorf, Incorporated)
• Original Assignee: Diebold Incorporated (Diebold Nixdorf, Incorporated)
• Inventors: Ramachandran, Natarajan, Drummond, Jay Paul, Smith, Mark D.
• Primary Examiner(s): Labaze, Edwyn
• Application Number:
  US12/290,886
• Publication Number:
  US 20090134215A1
• Time in Patent Office: 365 Days
• Field of Search: 235/379, 235/382, 235/376, 235/380, 235/382.5, 235/472.01, 705/5, 705/30, 705/35, 705/42
• US Class Current: 235/379
• CPC Class Codes: G06K 19/08 using markings of different kinds or more than one marking of the same kind in the same record carrier, e.g. one marking being sensed by optical and the other by magnetic means
• CPC Class Codes: G06K 7/0004 Hybrid readers
• 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 20/326 Payment applications installed on the mobile devices
• CPC Class Codes: G06Q 20/327 Short range or proximity payments by means of M-devices
• CPC Class Codes: G06Q 20/341 Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
• CPC Class Codes: G07F 17/16 for devices exhibiting advertisements, announcements, pictures or the like
• CPC Class Codes: G07F 19/20 Automatic teller machines [ATMs]
• CPC Class Codes: G07F 19/203 Dispensing operations within ATMs dispensing in general G07D11/00
• CPC Class Codes: G07F 19/211 Software architecture within ATMs or in relation to the ATM network
• CPC Class Codes: G07F 7/0886 the card reader being portable for interacting with a POS or ECR in realizing a payment transaction
• CPC Class Codes: G07F 7/1008 Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system

Abstract

A card activated cash dispensing automated banking machine system and method is provided. The machine is operate to read a financial card bearing account indicia with a card reader of the machine. The machine enables a user to perform banking operations responsive to account indicia read from the card. Such banking operations may include dispensing cash and accessing financial accounts. While a user operates the machine to dispense cash or perform other banking operations, the machine may further permit at least one portable wireless device to wirelessly access the machine to purchase and wirelessly receive digital information such as music and/or video files from the machine.

Claims

1. Apparatus comprising:

a card activated cash dispensing automated banking machine, wherein the machine includes;

at least one first computer processor;

a card reader, wherein the card reader is operative to read card data from user cards, wherein the card data corresponds to financial accounts, and wherein the card reader includes the at least one first computer processor;

at least one second computer processor;

a cash dispenser, wherein the cash dispenser is selectively operative to dispense cash stored within the banking machine to machine users, and wherein the cash dispenser includes the at Least one second computer processor;

wherein the at least one first computer processor and the at least one second computer processor, responsive at least in part to being placed in operative connection with the machine, operate to cause the card reader and the cash dispenser to deliver a respective device driver from each of them to at least one other computer processor in the machine, whereby the card reader and the cash dispenser each become interoperative with the machine, and cause the machine to be operative to carry out a first financial transaction wherein the first financial transaction includes operation of the card reader to read data from a first user card corresponding to a first financial account, operation of the cash dispenser to dispense cash from the machine wherein the dispensed cash has a first value, and operation of the machine to cause the first financial account to be assessed a first amount, wherein the first amount corresponds to the first value.

2. The apparatus according to claim 1, wherein the automated banking machine further includes:

a wireless access device;

wherein the wireless access device is operative to enable a portable wireless device to wirelessly communicate information to the machine, which information is operative to cause the machine to permit a further dispense of cash to a wireless device user through operation of the cash dispenser.

3. The apparatus according to claim 2, wherein the information wirelessly communicated from the portable wireless device to the wireless access device includes data corresponding to a second financial account.

4. The apparatus according to claim 3, wherein the cash dispensed in the further dispense of cash has a second value, and wherein the machine is operative to cause the second financial account to be assessed a second amount, wherein the second amount corresponds to the second value.

5. The apparatus according to claim 4, wherein the automated banking machine is operative responsive to being in operative connection with the portable wireless device through the wireless access device, to cause at least one processor in the machine to receive a device driver from the portable wireless device, wherein the machine is operative to use the device driver received from the portable wireless device to become interoperative with the portable wireless device.

6. The apparatus according to claim 5, wherein the automated banking machine is operative to deliver digital content through the wireless access device to the portable wireless device.

7. The apparatus according to claim 6, wherein the automated banking machine is operative to cause a charge to be assessed to the second financial account wherein the charge corresponds to the digital content delivered from the machine to the portable wireless device.

8. The apparatus according to claim 7, wherein the portable wireless device includes at least one of a mobile phone, a portable computer, a portable video player, and a PDA.

9. The apparatus according to claim 6, wherein the automated banking machine further includes:

at least one third computer processor;

a printer, wherein the printer is operative to print receipts corresponding to financial transactions conducted with the machine, and wherein the printer includes the at least one third computer processor;

wherein the at least one third computer processor is operative to cause a respective device driver corresponding to the printer to be delivered from the printer to at least one other computer processor in the machine, whereby the printer becomes interoperative with the machine, and wherein the first financial transaction includes operating the printer to print a receipt corresponding to the first financial transaction.

10. The apparatus according to claim 9, wherein the automated banking machine further includes:

at least one fourth computer processor;

a keypad, wherein the keypad is operative to receive manual inputs from users operating the machine to carry out financial transactions, wherein the keypad includes the at least one fourth computer processor;

and wherein the at least one fourth computer processor is operative to cause a respective device driver corresponding to the keypad to be delivered from the keypad to at least one other computer processor in the machine, whereby the keypad becomes interoperative with the machine, and wherein the first financial transaction includes operating the keypad to receive at least one manual input, wherein the first financial transaction is carried out responsive to the at least one manual input.

11. The apparatus according to claim 9 wherein the automated banking machine further includes:

at least one central computer processor, and at least one central data store, wherein the at least one central computer processor is in operative connection with the at least one central data store;

wherein the machine includes transaction function devices, wherein the transaction function devices include the card reader, the cash dispenser, the printer and the keypad, and wherein at least two of the transaction function devices are each operative to cause their respective device driver to be delivered to the at least one central computer processor, wherein the at least one central computer processor is operative to cause each of the device drivers to be stored in the at least one central data store;

and wherein at least one first transaction function device of the automated banking machine is operative to access the device driver of a different transaction function device stored in the at least one central data store through communication with the at least one ventral computer processor, and wherein the at least one first transaction function device is operative to use the accessed device driver of the different device in operation to carry out the first financial transaction.

12. The apparatus according to claim 1, wherein the automated banking machine further includes:

at least one third computer processor;

a keypad, wherein the keypad is operative to receive manual inputs from users of the machine conducting financial transactions, wherein the keypad includes the at least one third computer processor;

wherein the at least one third computer processor is operative to cause a respective device driver corresponding to the keypad to be delivered from the keypad to at least one other computer processor in the machine, whereby the keypad becomes interoperative with the machine, and wherein the first financial transaction includes operating the keypad to receive at least one manual input, wherein the first financial transaction is carried out responsive to the at least one manual input.

13. The apparatus according to claim 1, wherein the automated banking machine further includes:

at least one third computer processor;

a printer, wherein the printer is operative to print documents corresponding to financial transactions conducted with the machine, wherein the printer includes the at Least one third computer processor;

wherein the at least one third computer processor is operative to cause a respective device driver corresponding to the printer to be delivered from the printer to at least one other computer processor in the machine, whereby the printer becomes interoperative with the machine, and wherein the first financial transaction includes operating the printer to print a receipt corresponding to the first financial transaction.

14. The apparatus according to claim 1 wherein the automated banking machine further includes:

at least one central computer processor;

at least one central data store, wherein the at least one central computer processor is in operative connection with the at least one central data store;

and wherein the at least one first computer processor is operative to communicate a first device driver corresponding to the card reader to the at least one central computer processor, wherein the at least one central computer processor is operative to cause the first device driver to be stored in at least one central data store.

15. The apparatus according to claim 14 wherein the at least one second computer processor is operative to communicate a second device driver corresponding to the cash dispenser to the at least one central computer processor, wherein the at least one central computer processor is operative to cause the second device driver to be stored in the at least one central data store.

16. The apparatus according to claim 15 wherein at least one of:

the at least one first computer processor is operative to access the second device driver in the at least one central data store through communication with the at least one central computer processor; and

the at least one second computer processor is operative to access the first device driver in the at least one central data store through communication with the at least one central computer processor.

17. Apparatus comprising:

an automated banking machine operative to carry out financial transfers, including;

a card reader, wherein the card reader is operative to read card data from user cards, wherein the card data corresponds to financial accounts, and wherein the card reader includes a first computer processor;

and wherein the machine includes at least one further transaction function device, wherein the at least one further transaction function device includes at least one of;

a cash dispenser, wherein the cash dispenser is operative to cause cash stored in the machine to be made available to users outside the machine;

a keypad, wherein the keypad is operative to receive user inputs to the machine; and

a printer, wherein the printer is operative to print financial transaction receipts;

wherein the at least one further transaction function device includes a second computer processor;

and wherein the first computer processor and the second computer processor, responsive at least in part to being placed in operative connection with the automated banking machine are operative to cause the card reader and the at least one further transaction function device to deliver a respective device driver from each of them to at least one other computer processor in the machine, whereby the card reader and the at least one further transaction function device become interoperative with the machine, and cause the machine to be operative to carry out a financial transaction including operation of the card reader to read first card data from a first card corresponding to a first financial account, and operation of the machine to cause a first financial transfer, wherein the first financial transfer includes transferring funds at least one of to and from the first financial account.

18. The apparatus according to claim 17 wherein the automated banking machine includes a plurality of transaction function devices, wherein the plurality of transaction function devices include each of the cash dispenser, the keypad and the printer, and wherein each transaction function device includes a respective second computer processor, and wherein each respective transaction function device operates to deliver a respective device driver corresponding to the respective transaction function device to at least one other computer processor in the machine, wherein the plurality of transaction function devices intemperate to cause the machine to carry out the financial transaction.

19. The apparatus according to claim 18 wherein the automated banking machine further includes:

a central computer processor within the machine, and a central data store within the machine, wherein the central data store is in operative connection with the central computer processor;

and wherein each of the card reader, the cash dispenser, the keypad and the printer is operative to cause a respective device driver to be communicated to the central computer processors and wherein the central computer processor is operative to cause each respective device driver to be stored in the central data store;

and wherein each respective device driver of the card reader, cash dispenser, keypad and printer in the central data store is accessed by at least one computer processor of the machine to cause the machine to carry out the financial transaction.

20. The apparatus according to claim 18 wherein the automated banking machine further includes a wireless access device, wherein the wireless access device is operative to cause the automated banking machine to interoperate with a portable wireless device.