Cash dispensing ATM system with multiple entity interface

• US 7,653,601 B2
• Filed: 01/12/2005
• Issued: 01/26/2010
• Est. Priority Date: 11/27/1996
• Status: Expired due to Fees

• Current Assignee: Diebold Nixdorf, Incorporated
• Original Assignee: Diebold Incorporated (Diebold Nixdorf, Incorporated)
• Inventors: Smith, Mark, Cichon, Bob, Drummond, Jay Paul, Gilger, Mikal R., Church, James R., Weis, David
• Primary Examiner(s): CAMPEN, KELLY SCAGGS
• Application Number:
  US11/033,601
• Publication Number:
  US 20050119974A1
• Time in Patent Office: 1,840 Days
• Field of Search: 705/26, 705/39, 705/42, 705/43, 705/36.R, 902/8, 902/13, 902/14, 235/379
• 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 20/10 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

A method of operating a cash dispensing automated banking machine includes causing through operation of a processor of a cash dispensing automated banking machine, a card reader of the machine to read data from a card which corresponds to an entity with which a customer operating the machine has an account. The method also includes providing through operation of the processor, at least one visual output through a display device on the automated banking machine, The visual output uniquely corresponds to the entity with which the customer has the account.

Claims

1. a method of operating a cash dispensing automated banking machine comprising the steps of:

a) causing through operation of at least one processor of an automated banking machine which includes a cash dispenser, a card reader of the machine to read data from a card, which data corresponds to an entity with which a customer operating the machine has an account;

b) accessing at least one document at an address determined responsive to the data read in (a);

c) providing through operation of a browser operating in the at least one processor responsive to the at least one document accessed in (b), at least one visual output through a display device on the automated banking machine, which at least one visual output uniquely corresponds to the entity with which the customer has the account.

2. The method according to claim 1 comprising:

d) causing, through operation of the browser and the at least one processor, generation of a plurality of visual screens associated with a cash dispense transaction, which visual screens are output through the display device, wherein at least one of the visual screens includes the at least one visual output provided in (c); and

e) causing through operating of the at least one processor, the cash dispenser to dispense cash.

3. An article bearing computer executable instructions operative to cause at least one processor in an automated banking machine to cause the automated banking machine to carry out the method comprising:

a) causing through operation of the at least one processor of the automated banking machine which includes a cash dispenser, a card reader of the machine to read data from a card, which data corresponds to an entity with which a customer operating the machine has an account;

b) accessing at least one document at an address determined responsive to the data read in (a);

c) providing through operation of a browser operating in the at least one processor responsive to the at least one document accessed in (b), at least one visual output through a display device on the automated banking machine, which at least one visual output uniquely corresponds to the entity with which the customer has the account.

4. A method of operating a cash dispensing automated banking machine comprising:

a) reading card indicia on a card presented by a customer to the automated banking machine through operation of at least one reader of the machine, the card indicia including entity data corresponding to an entity with which the customer has an account, and wherein the automated banking machine includes at least one computer and a cash dispenser;

b) causing, through operation of the at least one computer, network address data to be resolved responsive to the entity data and data stored in a data store in operative connection with the at least one processor;

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

d) causing, through operation of the at least one computer, a plurality of visual screens associated with a banking transaction to be output through a display device of the machine, including;

causing, through operation of the browser software responsive to the at least one document, at least one visual output to be included in at least one of the screens, which visual output is uniquely associated with the entity with which the customer has the account.

5. The method according to claim 4 and further comprising:

e) providing a plurality of servers, each server being associated with one of a plurality of entities with which customers operating the automated banking machine have accounts, each server being in operative connection with the at least one 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 (d) for each card presented by a customer at the automated banking machine, whereby each customer card is operative to cause the browser software to cause the at least one computer to communicate with a server including the at least one document corresponding to the entity with which the respective customer has their account.

6. The method according to claim 4, wherein in (d) the banking transaction corresponds to a cash dispense transaction, and further comprising:

e) causing through operation of the at least one computer, the cash dispenser to dispense cash.

7. An article bearing computer executable instructions operative to cause at least one computer in an automated banking machine to cause the machine to carry out a method comprising:

a) reading card indicia on a card presented by a customer to the automated banking machine through operation of a t least one reader of the machine, the card indicia including entity data corresponding to an entity with which the customer has an account, and wherein the automated banking machine includes a cash dispenser;

b) causing, through operation of the at least one computer, network address data to be resolved responsive to the entity data and data stored in a data store in operative connection with the at least one computer;

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

d) causing, through operation of the at least one computer, a plurality of visual screens associated with a banking transaction to be output through display device of the machine, including;

causing, through operation of the browser software responsive to the at least one document, at least one visual output to be included in at least one of the screens, which visual output is uniquely associated with the entity with which the customer has the account.

8. A cash dispensing automated banking machine system 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;

at least one network in operative connection with each of the plurality of institution servers;

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

wherein the automated banking machine is operative responsive to reading card indicia on a card read through operation of the card reading device, to cause the browser software to cause the at least one computer to communicate through the at least one network with a network address of an institution server corresponding to the card indicia, wherein the at least one computer is operative responsive to the browser software to process at least one document accessed through the institution server, and to cause a visual output responsive to the document to be provided through the display device of the automated banking machine.

9. The system according to claim 8, wherein the at least one computer is operative to cause a plurality of visual screens to be output through the display device of the machine which are associated with a banking transaction, wherein at least one of the visual screens includes the visual output.

10. The system according to claim 9, wherein the automated banking machine includes an input device, wherein the at least one visual output is associated with at least one input capable of being input through the input device, wherein the at least one computer is operative responsive to the at least one input received through the input device to cause the cash dispenser to dispense cash.

11. The system according to claim 8 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.

12. A method of operating a cash dispensing automated banking machine comprising the steps of:

a) causing responsive to operation of at least one processor of an automated banking machine which includes a cash dispenser, a card reader of the machine to read data from a card, which data corresponds to an entity with which a customer operating the machine has an account;

b) providing responsive to operation of a browser operating in the at least one processor, at least one visual output through display device on the automated banking machine, which at least one visual output uniquely corresponds to the entity with which the customer has the account and is generated responsive to information accessed at an address determined responsive to the data read in (a).