Automated banking machine system and method

• US 7,654,450 B2
• Filed: 09/10/2008
• Issued: 02/02/2010
• Est. Priority Date: 02/05/2000
• Status: Expired due to Term

• Current Assignee: Diebold Nixdorf, Incorporated
• Original Assignee: Diebold Self-Service Systems (Diebold Nixdorf, Incorporated)
• Inventors: Ramachandran, Natarajan, Blackson, Dale H., Mateen, Atta, Kolinski-Schultz, David E., Smith, Mark D.
• Primary Examiner(s): Lee, Seung H
• Application Number:
  US12/283,294
• Publication Number:
  US 20090072021A1
• Time in Patent Office: 510 Days
• Field of Search: 235/379, 235/380, 235/381, 705/43
• US Class Current: 235/379
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/1085 involving automatic teller machines [ATMs]
• CPC Class Codes: G06Q 20/123 Shopping for digital content
• CPC Class Codes: G06Q 20/18 involving self-service terminals [SST], vending machines, kiosks or multimedia terminals
• CPC Class Codes: G06Q 20/327 Short range or proximity payments by means of M-devices
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03
• CPC Class Codes: G07F 17/0014 for vending, access and use of specific services not covered anywhere else in G07F17/00 meter-controlled dispensing of liquid, gas or electricity G07F15/00
• CPC Class Codes: G07F 17/16 for devices exhibiting advertisements, announcements, pictures or the like
• CPC Class Codes: G07F 17/32 for games, toys, sports, or amusements
• CPC Class Codes: G07F 17/3248 involving non-monetary media of fixed value, e.g. casino chips of fixed value
• CPC Class Codes: G07F 19/20 Automatic teller machines [ATMs]
• CPC Class Codes: G07F 19/211 Software architecture within ATMs or in relation to the ATM network
• CPC Class Codes: G11B 2220/216 Rewritable discs
• CPC Class Codes: G11B 2220/218 Write-once discs
• CPC Class Codes: G11B 2220/2545 CDs
• CPC Class Codes: G11B 2220/2562 DVDs [digital versatile discs]; Digital video discs; MMCDs; HDCDs
• CPC Class Codes: G11B 2220/2575 DVD-RAMs
• CPC Class Codes: G11B 2220/41 Flat as opposed to hierarchical combination, e.g. library of tapes or discs, CD changer, or groups of record carriers that together store one title
• CPC Class Codes: G11B 2220/61 wherein solid state memory is used for storing A/V content storing computer data in solid state memories G06F
• CPC Class Codes: G11B 2220/913 : Digital audio tape [DAT] format
• CPC Class Codes: G11B 27/031 : Electronic editing of digitised analogue information signals, e.g. audio or video signals
• CPC Class Codes: G11B 27/032 : on tapes G11B27/036, G11B27/038 take precedence
• CPC Class Codes: G11B 27/034 : on discs G11B27/036, G11B27/038 take precedence

Abstract

An automated banking machine (152) includes a plurality of transaction function devices. The transaction function devices include a card reader (170), a keypad (172), a printer (174), a bill dispenser (176), a coin dispenser (178), a code reading device (180), a display (182), a cash acceptor (184), a check acceptor (186) and a biometric reader (188). The banking machine operates responsive to indica read from user cards. The banking machine operates responsive to instructions executed by at least one processor (190) in the machine. The banking machine is operative responsive to reading gaming tickets or other items through operation of the code reading device, and/or a biometric feature reading device, to dispense cash or provide other value to users. The banking machine is also operative to cause value to be transferred by users for the purchase of gaming items. Other transactions may be conducted, including redeeming or changing forms of value including forms of value that can be used within a gaming establishment (154).

Claims

1. A method including operation of an automated banking machine, wherein the automated banking machine includes:

a housing;

a card reader in operatively supported connection with the housing;

a display in operatively supported connection with the housing;

a currency bill dispenser in operatively supported connection with the housing;

a code reader in operatively supported connection with the housing;

at least one processor and at least one data store within the housing, wherein the at least one processor is in operative connection with the at least one data store, the code reader, the currency bill dispenser, the card reader and the display;

at least one communications device in operative connection with the at least one processor, wherein the at least one processor is operative to cause the banking machine to communicate through the at least one communications device in at least one banking network and in at least one accrued value processing network;

wherein the method comprises;

(a) reading through operation of the code reader, at least one code on an article produced by at least one gaming establishment gaming machine, wherein the at least one gaming machine is in operative connection with the at least one accrued value processing network;

(b) operating the automated banking machine to communicate in the accrued value processing network, wherein the communication includes communicating data corresponding to the code read in (a);

(c) responsive to the communication of the automated banking machine in the accrued value processing network in (b), operating the automated banking machine to cause the currency bill dispenser to dispense at least one currency bill from the machine.

2. The method according to claim 1 and further comprising:

(d) operating the automated banking machine to communicate in at least one banking network, wherein the at least one banking network is a different network from the at least one accrued value processing network.

3. The method according to claim 2 and further comprising;

(e) reading card data from a card through operation of the card reader, wherein the card data corresponds to at least one financial account;

wherein (d) includes communicating data corresponding to the card data in the banking network.

4. The method according to claim 3 and further comprising:

(f) subsequent to (e), operating the automated banking machine to cause the currency bill dispenser to dispense at least one currency bill responsive to the communication in (d).

5. The method according to claim 3 and further comprising:

(f) operating the automated banking machine to cause value to be transferred between a first financial account accessible through the accrued value processing network and a second financial account accessible through the banking network.

6. The method according to claim 5 wherein (a) comprises reading a bar code on an item printed by a gaming machine.

7. The method according to claim 6 and further comprising:

(g) responsive to the code read in (a), operating the automated banking machine to access through the accrued value processing network, at least one record associated with an accrued value account corresponding to the code.

8. The method according to claim 7 and further comprising:

(h) responsive to (c), operating the automated banking machine to cause at least one amount in the at least one record to be reduced by an amount corresponding to a value associated with the at least one bill dispensed in (c).

9. The method according to claim 8 wherein (f) includes transferring value from the second financial account to the first financial account:

and further comprising;

(i) responsive to (f) operating the automated banking machine to produce at least one code bearing item, wherein the at least one code bearing item produced is usable to operate at least one gaming machine operatively connected to the accrued value processing network.

10. The method according to claim 5 wherein (a) comprises reading data from an item, wherein the data is written on the item by a gaming machine.

11. The method according to claim 1 wherein (a) comprises reading a bar code on an item printed through operation of a gaming machine.

12. The method according to claim 1 and further comprising:

(d) operating the automated banking machine to communicate through at least one banking network;

(e) responsive to the communication in (d), causing an amount to be included in an account accessible through the accrued value processing network.

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

(f) responsive to (e), operating the automated banking machine to produce at least one code bearing item corresponding to the account in the accrued value processing network.

14. The method according to claim 13 wherein the automated banking machine includes a printer in operatively supported connection with the housing, and wherein (f) includes printing a code bearing item through operation of the printer of the automated banking machine, wherein the code bearing item printed is usable to operate at least one gaming machine operatively connected to the accrued value processing network.

15. A method comprising:

(a) reading through operation of the code reader of an automated banking machine, at least one code on an article, wherein the code is included on the article through operation of a gaming establishment gaming machine, wherein the automated banking machine further includes a card reader, a display, a currency bill dispenser, and at least one communication device, wherein the at least one communication device is operative to provide communication of the ATM in an accrued value processing network and a financial transaction network, wherein the financial transaction network is different from the accrued value processing network;

(b) operating the automated banking machine to communicate through the accrued value processing network with at least one first computer remote from the automated banking machine, wherein data corresponding to the at least one code is communicated to the at least one first computer;

(c) operating the automated banking machine responsive to communication with the at least one first computer in (b) to cause at least one currency bill to be dispensed from the automated banking machine through operation of the currency bill dispenser.

16. The method according to claim 15 and further comprising:

(d) reading through operation of the card reader, card data from a user card corresponding to a financial account;

(e) operating the automated banking machine to communicate through the financial transaction network with at least one second computer remote from the automated banking machine, wherein data corresponding to the card data is communicated to the at least one second computer;

(f) operating the automated banking machine responsive to communication with the at least one second computer in (e) to cause at least one currency bill to be dispensed from the automated banking machine through operation of the currency bill dispenser.

17. The method according to claim 16 and further comprising:

(g) operating the automated banking machine to cause value to be transferred between a first financial account accessible through the accrued value processing network and a second financial account accessible through the financial transaction network.

18. The method according to claim 17 and further comprising:

(h) operating the automated banking machine to cause a debit to be made to the first financial account corresponding to a value associated with the at least one currency bill dispensed in (c).

19. The method according to claim 15 and further comprising:

(d) operating the automated banking machine to dispense at least one code bearing item, wherein the at least one code bearing iem is usable to operate at least one gaming establishment gaming machine in operative connection with the accrued value processing network.

20. The method according to claim 19 and further comprising:

(e) operating the automated banking machine to cause at least one first financial account accessible through the accrued value processing network to be credited with a value corresponding to the code bearing item;

(f) operating the automated banking machine to cause at least one second financial account accessible through the financial transaction network to be debited the amount.

21. At least one 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,

wherein the automated banking machine includes a card reader,

a display,

a currency bill dispenser,

a code reader,

at least one communications device, wherein the at least one communications device is operative to cause the automated banking machine to communicate in at least one banking network and in at least one accrued value processing network different from the at least one banking network,

wherein the method comprises;

(a) reading through operation of the code reader, at least one code placed on an article by at least one gaming establishment gaming machine, wherein the at least one gaming machine is in operative connection with the at least one accrued value processing network;

(b) operating the automated banking machine to communicate in the accrued value processing network, wherein the communication includes communicating data corresponding to the at least one code read in (a);

(c) responsive to the communication of the automated banking machine in the accrued value processing network in (b), operating the automated banking machine to cause the currency bill dispenser to dispense at least one currency bill from the machine.