Automated banking machine apparatus and system

• US 7,624,050 B1
• Filed: 11/17/1998
• Issued: 11/24/2009
• 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: Joyce, Shawn D., Swingler, Steven C., Lepper, Bradrick Q., Chen, Lilei, Califf, Michael E. Jr., Drummond, Jay Paul, Blackson, Dale, Smith, Mark D., Cichon, Bob A., Moales, Mark A., Covert, Mark S., Moore, Phillip S., Lemley, Robert J.
• Primary Examiner(s): Worjloh; Jalatee
• Application Number:
  US09/193,787
• Time in Patent Office: 4,025 Days
• Field of Search: 705 35- 45, 705 64- 79, 705/50, 235/379, 715/234
• US Class Current: 705/35
• CPC Class Codes: G06F 16/95 Retrieval from the web
• 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 20/108 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 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: 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 19/201 Accessories of 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 63/08 for authentication of entities cryptographic mechanisms or cryptographic arrangements for entity authentication H04L9/32
• CPC Class Codes: H04L 63/12 Applying verification of the received information cryptographic mechanisms or cryptographic arrangements for data integrity or data verification H04L9/32
• 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 67/56 Provisioning of proxy services store-and-forward switching systems in data switching networks H04L12/54
• CPC Class Codes: H04L 67/565 : Conversion or adaptation of application format or content adding application control or application functional data H04L67/561
• 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). 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 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 system address. The computer is operative to connect the banking machine to the home or foreign server corresponding to the system address, which connected server operates the banking machine until the completion of transactions by the user.

Claims

1. A method comprising the steps of:

a) operating a browser in at least one computer in operative connection with an automated banking machine;

b) receiving at least one HTML format document with the browser, wherein the at least one HTML format document includes at least one transaction instruction;

c) carrying out at least one transaction function with a transaction function device of the automated banking machine responsive to the at least one HTML format document.

2. The method according to claim 1 wherein the automated banking machine includes an output device in operative connection with the at least one computer, and further comprising the step of:

d) producing an output through the output device responsive to the at least one HTML format document.

3. A method comprising the steps of:

a) operating a browser in at least one computer in operative connection with an automated banking machine;

b) receiving at least one document with the browser, wherein the at least one document includes at least one transaction instruction embedded therein;

c) carrying out at least one transaction function with a transaction function device of the automated banking machine responsive to the at least one document including the at least one transaction instruction.

4. A method comprising:

a) operating an automated banking machine including at least one transaction function device, wherein the automated banking machine includes at least one computer;

b) processing at least one mark up language document with the at least one computer;

c) responsive to at least one software applet, carrying out at least a portion of a banking transaction with the at least one transaction function device responsive to the processing in step (b).

5. The method according to claim 4 wherein the at least one transaction function device includes a note dispenser, and wherein in step (c) the portion of the banking transaction includes dispensing at least one currency note with the note dispenser.

6. The method according to claim 4 wherein the at least one transaction function device includes at least one reading device, and wherein in step (c) the portion of the banking transaction includes reading indicia with the at least one reading device.

7. The method according to claim 6 wherein the at least one reading device includes a card reader, and wherein in step (c) indicia is read from a card.

8. The method according to claim 4 wherein the at least one transaction function device includes at least one key, and wherein in step (c) the portion of the banking transaction includes sensing an input through the at least one key.

9. The method according to claim 4 wherein the at least one transaction function device includes a depository, and wherein in step (c) the portion of the banking transaction includes receiving a deposit with the depository.

10. The method according to claim 4 wherein the at least one computer includes browser software, and wherein at least one output is provided responsive to the browser software processing the at least one mark up language document.

11. The method according to claim 10 wherein the at least one output includes a visual output through a screen.

12. The method according to claim 4 wherein in step (b) at least one HTML document is processed by the at least one computer.

13. The method according to claim 4 wherein the automated banking machine includes an output device, and wherein in step (c) processing the at least one mark up language document is operative to cause the at least one computer to provide an output through the output device.