Self-service terminal

• US 7,711,643 B2
• Filed: 01/18/2002
• Issued: 05/04/2010
• Est. Priority Date: 01/24/2001
• Status: Active Grant

• Current Assignee: NCR Voyix Corporation
• Original Assignee: NCR Corporation
• Inventors: Walter, Mel, Nielsen, Paul
• Primary Examiner(s): Poinvil; Frantzy
• Application Number:
  US10/051,358
• Publication Number:
  US 20020099658A1
• Time in Patent Office: 3,028 Days
• Field of Search: 705 10- 44
• US Class Current: 705/43
• 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 20/3221 Access to banking information through M-devices
• 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: G07F 17/16 for devices exhibiting advertisements, announcements, pictures or the like
• CPC Class Codes: G07F 17/40 for devices for accepting orders, advertisements, or the like
• CPC Class Codes: G07F 19/20 Automatic teller machines [ATMs]

Abstract

A self-service terminal, such as an automated teller machine (12), is described. The terminal (12) has a display (52), and includes means (44,84) for accessing a mobile portal (30), whereby the terminal (12) is operable to retrieve information adapted for viewing on a portable device, and to present at least some of the retrieved information to a user on the display (52). The terminal (12) may also include a printer (56) for providing a user with a printed version of some of the information presented on the display (52). A network of self-service terminals is also described.

Claims

1. A terminal comprising an Automated Teller Machine, ATM, comprising:

a) a display;

b) a connection which connects the ATM to an authorization center which authorizes ATM transactions;

c) means for retrieving, over a wireless channel, information from a mobile portal, which portal is different from the authorization center,

i) which portal transmits information in a format compatible with screen size of a cellular telephone, and

ii) which information is retrieved from a WAP site, which site

A) conforms to a Wireless Internet Protocol, WAP, and

B) acts as a web site which is accessible to cell phones; and

d) means for presenting at least some of the retrieved information to a user on a window within the display of the ATM, such that contents of the window sometimes change while contents outside the window remain unchanged.

2. A terminal according to claim 1, wherein the means for retrieving includes a wireless transceiver and a software component which interfaces with the wireless transceiver and a terminal application to retrieve information from a mobile portal and configure the information to a format suitable for presentation on the display by the terminal application.

3. A terminal according to claim 1, further comprising a printer for providing a user with a hard copy of information retrieved from the mobile portal.

4. A terminal according to claim 1, further comprising (i) means for identifying the user to determine whether that user has provided said mobile portal with personalized information, and (ii) means for retrieving any such personalized information from the mobile portal.

5. A terminal according to claim 4, further comprising means for accessing a transaction authorization system, which means is separate from the means for accessing a mobile portal.

6. Terminal according to claim 1, wherein the information of paragraph 1(c), as received,

i) is formatted for viewing on a portable device, but

ii) is not displayed on any portable device, but displayed on the display of the ATM.

7. Terminal according to claim 1, wherein the information is compatible with (A) Wireless Application Protocol, WAP, or (B) i-Mode.

8. Terminal according to claim 1, wherein the means for accessing a mobile portal is restricted to accessing a single mobile portal, and no others.

9. Terminal according to claim 1, and further comprising:

e) means for limiting the presentation on the display of paragraph (d) to a predetermined time, after which the information is removed.

10. Terminal according to claim 9, wherein the predetermined time is less than one minute.

11. Terminal according to claim 1, wherein the information is compatible with a Wireless Markup Language, WML, protocol.

12. Terminal according to claim 1, wherein the information displayed occupies between three and five lines on the display of the ATM.

13. Terminal according to claim 12, wherein the information displayed occupies part of the display of the ATM, and the remainder of the display remains unchanged.

14. An Automated Teller Machine, ATM, comprising:

a) a display which presents information relating to ATM functions;

b) means for retrieving information, over a wireless channel, from a mobile portal which transmits information which is

i) in a format compatible with screen size of a cellular telephone,

ii) transmitted according to WAP, Wireless Application Protocol, or i-Mode protocol, and

iii) consistent with WML, Wireless Markup Language, standards;

c) means for displaying at least some of the retrieved information in a window overlying the display, while leaving regions not covered by the window unchanged;

d) means for limiting the display to a predetermined time; and

e) means for limiting the ATM to retrieving information from a single mobile portal, and no others.

15. ATM according to claim 14, wherein the predetermined time is less than one minute.

16. ATM according to claim 14, wherein the information displayed occupies between three and five lines on the display of the ATM.

17. ATM according to claim 14, in which the information is retrieved from a WAP site, which

i) conforms to a Wireless Internet Protocol, WAP, and

ii) acts as a web site which is accessible to cell phones.

18. An Automated Teller Machine, ATM, comprising:

a) a display;

b) means for retrieving, over a wireless channel, information from a single predetermined mobile portal, and no others, which portal transmits information in a format compatible with screen size of a cellular telephone; and

c) means for presenting at least some of the retrieved information to a user on the display of the ATM.

19. ATM according to claim 18, wherein the information is presented for a predetermined time, and then removed.

20. ATM according to claim 18, wherein the information displayed occupies between three and five lines on the display of the ATM.

21. ATM according to claim 18, wherein the information is

i) in a format compatible with screen size of a cellular telephone,

ii) transmitted according to WAP, Wireless Application Protocol, or i-Mode protocol, and

iii) consistent with WML, Wireless Markup Language, standards.

22. ATM according to claim 18, in which the information is retrieved from a WAP site, which

i) conforms to a Wireless Internet Protocol, WAP, and

ii) acts as a web site which is accessible to cell phones.