Automated banking machine and system

• US 7,644,040 B2
• Filed: 10/05/2001
• Issued: 01/05/2010
• 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: Covert, Mark S., Drummond, Jay Paul, Blackson, Dale, Smith, Mark D., Weis, David W., Moales, Mark A., Ess, Joseph C., Church, James, Cichon, Bob
• Primary Examiner(s): Poinvil; Frantzy
• Application Number:
  US09/972,400
• Publication Number:
  US 20020026421A1
• Time in Patent Office: 3,014 Days
• Field of Search: 705 1- 44
• US Class Current: 705/43
• 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 20/108 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 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: G06Q 40/12 Accounting
• 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 63/0853 using an additional device, e.g. smartcard, SIM or a different communication terminal cryptographic mechanisms or cryptographic arrangements for entity authentication involving additional secure or trusted devices H04L9/3234
• 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 67/34 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). 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 of printing a document with an automated banking machine, comprising the steps of:

(a) conducting at least one transaction with the machine;

(b) storing transaction data corresponding to the transaction in a memory in operative connection with a computer, wherein the computer is operatively connected with the machine;

(c) accessing a first markup language document with a browser operating in the computer, wherein the first markup language document includes at least one print instruction; and

(d) printing indicia corresponding to the transaction data in the memory with a printer in the machine responsive to the print instruction included in the first document.

2. The method according to claim 1 wherein the first markup language document includes instructions therein corresponding to a format, and wherein in step (d) the indicia is printed in accordance with the format.

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

inputting customer identifying information to the machine, wherein data corresponding to the customer identifying information is included in the transaction data stored in the storing step.

4. The method according to claim 3 wherein the inputting step includes inputting a card into a card reader on the machine, wherein the customer identifying information corresponds to indicia read by the card reader from the card.

5. The method according to claim 1 wherein the transaction conducted in step (a) includes the dispense of at least one sheet from a sheet dispenser in the machine.

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

e) providing a plurality of markup language documents accessible through a server, said documents including the first document, and a second document wherein the second document includes at least one second print instruction;

f) accessing the second markup language document with the browser;

g) printing indicia corresponding to the transaction data in memory with the printer in the machine responsive to the second print instruction included in the second document.

7. The method according to claim 6 wherein the first document includes indicia in a first language and the second document includes indicia in a second language, and wherein in step (d) a printed item including transaction indicia is produced in a first language and in step (g) a printed item is produced including transaction indicia in a second language.

8. The method according to claim 1 wherein the first document includes indicia representative of machine readable indicia, wherein in step (d) a printed item is produced including machine readable indicia.

9. The method according to claim 1 wherein in step (d) the printer is operative to print a transaction receipt.

10. The method according to claim 1 wherein in step (d) the printer is operative to print a check.

11. The method according to claim 1 wherein in step (d) the printer is operative to print a wagering slip.

12. An automated banking machine comprising:

a computer in operative connection with a memory;

a printer in operative connection with the computer;

a cash dispenser in operative connection with the computer; and

software executable in the computer, wherein the software is operative;

to cause the computer to store transaction data corresponding to a transaction involving the cash dispenser in the memory;

to cause the computer to access at least one markup language document, wherein the at least one markup language document includes at least one print instruction; and

to cause the printer to print at least one item which includes indicia representative of at least one portion of the transaction data responsive to the print instruction and the transaction data stored in the memory.

13. An automated banking machine according to claim 12, wherein the at least one markup language document does not include the at least one portion of the transaction data.

14. An automated banking machine including:

a plurality of transaction function devices, the transaction function devices including a printer and an input device;

a computer in operative connection with the transaction function devices and a memory, wherein the computer includes software executable therein, wherein the software includes a browser;

wherein the software is operative to cause the computer to store in the memory transaction data representative of at least one input to an input device, and wherein the software is operative to cause the browser to access a markup language document including at least one print instruction and to operate the printer to print an item responsive to the print instruction and the transaction data.

15. The machine according to claim 14, wherein the at least one markup language document includes instructions therein corresponding to a format, and wherein the item includes indicia corresponding to at least a portion of the transaction data, which indicia is printed on the item in accordance with the format.

16. The machine according to claim 14, wherein the transaction function devices include a cash dispenser, wherein the software is further operative to cause the cash dispenser to dispense an amount of cash.

17. An automated banking machine including:

a plurality of transaction function devices, the transaction function devices including a printer and an input device;

a computer in operative connection with the transaction function devices and a memory, wherein the computer includes software executable therein, wherein the software includes a browser;

wherein the software is operative to cause the computer to store in the memory transaction data representative of at least one input to the input device, and wherein the software is operative to cause the browser to access at least one markup language document including at least one print instruction and to operate the printer to print a check responsive to the print instruction and at least a portion of the transaction data.

18. An automated banking machine including:

a plurality of transaction function devices, the transaction function devices including a printer and an input device;

a computer in operative connection with the transaction function devices and a memory, wherein the computer includes software executable therein, wherein the software includes a browser;

wherein the software is operative to cause the computer to store in the memory transaction data representative of at least one input to the input device, and wherein the software is operative to cause the browser to access at least one markup language document including at least one print instruction and to operate the printer to print a wagering slip responsive to the print instruction and at least a portion of the transaction data.

19. An automated banking machine including:

a plurality of transaction function devices, the transaction function devices including a printer and an input device;

a computer in operative connection with the transaction function devices and a memory, wherein the computer includes software executable therein, wherein the software includes a browser;

wherein the software is operative to cause the computer to store in the memory transaction data representative of at least one input to the input device, wherein the software is operative to cause the browser to access a plurality of markup language documents through a server, the plurality of markup language documents including a first document and a second document, wherein the first document includes at least one first print instruction and the second document includes at least one second print instruction, and wherein the software is operative to cause the printer to print a first item responsive to the first print instruction included in the first document and at least a portion of the transaction data, and wherein the software is operative to cause the printer to print a second item responsive to the second print instruction included in the second document and at least a portion of the transaction data.

20. The machine according to claim 19, wherein the first document includes indicia in a first language and the second document includes indicia in a second language, and wherein the first printed item includes indicia corresponding to at least a portion of the transaction data in the first language and the second printed item is includes indicia corresponding to at least a portion of the transaction data in a second language.

21. Computer readable media bearing instructions which are operative to cause at least one computer in an automated banking machine to cause the automated banking machine to carry out a method comprising:

(a) conducting at least one transaction with the machine;

(b) storing transaction data corresponding to the transaction in a memory in operative connection with a computer, wherein the computer is operatively connected with the machine;

(c) accessing a first markup language document with a browser operating in the computer, wherein the first markup language document includes at least one print instruction; and

(d) printing indicia corresponding to the transaction data in the memory with a printer in the machine responsive to the print instruction included in the first document.

22. The computer readable media according to claim 21, wherein the instructions are further operative to cause the at least one computer in the automated banking machine to cause the automated banking machine to carry out a method further comprising:

e) providing a plurality of markup language documents accessible through a server, the documents including the first document, and a second document wherein the second document includes at least one second print instruction;

f) accessing the second markup language document with the browser;

g) printing indicia corresponding to the transaction data in memory with the printer in the machine responsive to the second print instruction included in the second document.

23. The computer readable media according to claim 21, wherein in step (d) the printer is operative to print a check.

24. The computer readable media according to claim 21, wherein in step (d) the printer is operative to print a wagering slip.

25. A method of printing a document with an automated banking machine, comprising:

(a) conducting at least one transaction with the machine involving the dispense of cash with a cash dispenser operatively connected with the machine;

(b) storing transaction data corresponding to the transaction in a memory in operative connection with a computer, wherein the computer is operatively connected with the machine;

(c) accessing at least one markup language document, wherein the at least one markup language document includes at least one print instruction; and

(d) printing an item with indicia corresponding to at least one portion of the transaction data in the memory with a printer in the machine responsive to the print instruction included in the at least one markup language document and the transaction data stored in the memory.

26. The method according to claim 25, wherein in step (c) the at least one markup language document does not include the at least one portion of the transaction data.