Automated banking machine apparatus and system

• US 7,699,219 B2
• Filed: 08/12/2005
• Issued: 04/20/2010
• Est. Priority Date: 11/27/1996
• Status: Expired due to Fees

• Current Assignee: Diebold Nixdorf, Incorporated
• Original Assignee: Diebold Incorporated (Diebold Nixdorf, Incorporated)
• Inventors: Drummond, Jay Paul, Blackson, Dale, Smith, Mark D., Weis, David W., Cichon, Bob A., Moales, Mark A., Ess, Joseph C., Church, James
• Primary Examiner(s): Colbert; Ella
• Application Number:
  US11/203,488
• Publication Number:
  US 20050273427A1
• Time in Patent Office: 1,712 Days
• Field of Search: 235/379, 235/380, 235/381, 709/203, 709/209, 705/35, 705/26, 705/39, 705/42, 705/43, 705/1, 707/1, 707/500, 707/513, 715/500, 715/513, 902/8, 902/13, 902/14
• US Class Current: 235/380
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/108 Remote banking, e.g. home banking
• CPC Class Codes: G06Q 20/1085 involving automatic teller machines [ATMs]
• 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

Abstract

An automated banking machine (12) is operative to conduct transactions in response to mark up language 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 mark up language document handling software that includes a browser (76). The machine can receive instructions in mark up language documents accessed at an HTTP address to cause operation of transaction function devices, such as a currency dispenser (42).

Claims

1. At least one article comprising at least one computer readable medium including computer executable instructions, wherein the instructions, when executed by at least one computer, cause the at least one computer to carry out a method comprising the steps of:

accessing a transaction device operation document through operation of a browser in an automated transaction machine including a currency dispenser, wherein the transaction device operation document includes at least one transaction device instruction;

processing the transaction device operation document through operation of the browser, including processing the at least one transaction device instruction of the transaction device operation document;

operating a transaction device in the machine responsive to the processing of the at least one transaction device instruction; and

outputting through a user output device of the machine an output responsive to the processing of the transaction device operation document, wherein the output includes information directed to a user of the machine.

2. The at least one article according to claim 1 wherein the computer executable instructions are operative to further cause the at least one computer to carry out the steps of:

accessing a first document through operation of the browser responsive to the processing of the transaction device operation document;

processing the first document through operation of the browser; and

generating the output responsive to the processing of the first document.

3. The at least one article according to claim 2 wherein prior to the step of accessing the first document, the computer executable instructions are operative to further cause the at least one computer to carry out the steps of:

receiving user data corresponding to a first user through an user input device of the automated transaction machine; and

determining an address of the first document responsive to the user data received in the receiving step.

4. The at least one article according to claim 2

wherein the output includes a first promotional message,

wherein the transaction machine includes a first transaction function device and a second transaction function device, wherein the transaction device comprises the first transaction function device,

wherein the transaction device operation document is operative to cause operation of the first transaction function device in the operating step,

wherein the computer executable instructions are operative to further cause the at least one computer to carry out the steps of:

accessing a transaction machine operation document through operation of the browser;

processing the transaction machine operation document through operation of the browser;

operating the second transaction function device in the machine responsive to the processing of the transaction machine operation document;

accessing a second document through operation of the browser responsive to receipt of the transaction machine operation document;

processing the second document through operation of the browser; and

further outputting a further output through the output device responsive to the processing of the second document, wherein the further output includes a second promotional message.

5. The at least one article according to claim 1 wherein the outputting occurs during at least a portion of the operating step.

6. The at least one article according to claim 5 wherein the operating step

includes operation of the currency dispenser to dispense at least one currency note, and wherein the outputting step occurs during at least a portion of the currency dispenser operation.

7. The at least one article according to claim 1 wherein the outputting step includes outputting a promotional message.

8. The at least one article according to claim 1 wherein the operating step includes operating the currency dispenser to dispense at least one currency note.

9. At least one article including computer executable instructions, wherein the instructions, when executed by at least one computer, cause the at least one computer to carry out a method comprising the steps of:

(a) accessing at least one document through operation of a browser in an automated transaction machine including a currency dispenser;

(b) executing a series of transaction steps with the automated transaction machine, wherein between at least two consecutive transaction steps a device in the automated transaction machine automatically operates in response to a document accessed in step (a); and

(c) providing an output through an output device of the automated transaction machine responsive to a document accessed in step (a), wherein the providing is during at least a portion of the device operation, and wherein the output includes information directed to a user of the automated transaction machine.

10. The at least one article according to claim 9 wherein step (b) includes a transaction step including a request to dispense currency, wherein the computer executable instructions are operative to further cause the at least one computer to carry out the step of:

(d) operating the currency dispenser responsive to the request;

wherein the output in step (c) is provided during at least a portion of the time the currency dispenser operates in step (d).

11. The at least one article according to claim 9 wherein step (c) includes outputting a promotional message.

12. The at least one article according to claim 9 wherein the currency dispenser is operative to dispense at least one currency note, wherein the output device includes a display device, and wherein step (c) includes providing an output through the display device.

13. The at least one article according to claim 9 wherein the document in step (b) differs from the document in step (c).

14. At least one article including software executable in at least one computer, wherein the software includes computer executable instructions, wherein the instructions, when executed by at least one computer, cause the at least one computer to carry out a method comprising:

(a) accessing at least one document through operation of a browser of an automated transaction machine including an output device and a currency dispenser;

(b) operating the currency dispenser;

(c) during operation of the currency dispenser, providing an output through the output device responsive to the at least one document accessed in step (a).

15. The at least one article according to claim 14 wherein the at least one document comprises at least one HTML document accessible through at least one server, wherein step (a) includes accessing at least one HTML document through at least one server.

16. The at least one article according to claim 14 wherein step (a) includes accessing at least one document including instructions which are operative when processed through operation of the browser to provide the output through the output device and cause operation of the currency dispenser to dispense currency.

17. The at least one article according to claim 14 wherein step (a) includes accessing at least one document including instructions which are operative when processed through operation of the browser to provide the output through the output device.

18. The at least one article according to claim 14 wherein step (a) includes accessing at least one document including instructions which are operative when processed through operation of the browser to cause operation of the currency dispenser to dispense currency.

19. The at least one article according to claim 14 wherein step (a) includes accessing a first document and a dispense document through at least one server, wherein the dispense document includes a dispense instruction, wherein the computer executable instructions are further operative to cause the automated transaction machine to carry out the steps of:

(d) processing the dispense document including the dispense instruction through operation of the browser; and

(e) responsive to the dispense instruction, operating the currency dispenser;

wherein step (a) includes accessing the first document responsive to the dispense instruction.

20. The at least one article according to claim 14 wherein step (a) includes accessing a first document and a second document through at least one server, wherein the first document includes a second document access instruction, wherein the computer executable instructions are further operative to cause the automated transaction machine to carry out the step of:

(d) processing the first document including the second document access instruction;

wherein step (a) includes accessing the second document responsive to the second document access instruction.