Automated banking machine that enables multiple users to conduct concurrent transactions at different areas of a display surface

• US 7,712,657 B1
• Filed: 11/13/2008
• Issued: 05/11/2010
• Est. Priority Date: 11/13/2007
• Status: Active Grant

• Current Assignee: Diebold Nixdorf, Incorporated
• Original Assignee: Diebold Self-Service Systems (Diebold Nixdorf, Incorporated)
• Inventors: Nelson, Jr., Donald S., Magee, Paul D., Graef, H. Thomas, Block, James
• Primary Examiner(s): Hess, Daniel A
• Assistant Examiner(s): Ellis, Suezu
• Application Number:
  US12/291,839
• Time in Patent Office: 544 Days
• Field of Search: None
• US Class Current: 235/379
• 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: G07F 19/20 Automatic teller machines [ATMs]

Abstract

An automatic banking machine includes at least one computer, a card reader, transaction function devices, and a display. The display includes a touch display surface having multiple spaced user locations at which transaction sessions by different user can be concurrently conducted. Multiple users can at the same time receive visible outputs from the display surface and provide inputs through physical contact with the display surface. An eye sensing device enables the display surface, based on sensing where a user is looking at the display surface, to display data at the user location.

Claims

1. Apparatus comprising:

an automated banking machine including;

a card reader, wherein the card reader is operative to read data from user cards, wherein the card data corresponds to financial accounts;

at least one transaction function device, wherein the at least one transaction function device is operative to at least one of dispense bills, receive checks, and receive bills;

at least one surface computer, wherein the at least one surface computer is in operative connection with the card reader and the at least one transaction function device, wherein the at least one surface computer is operative to cause financial transactions to be carried out, wherein the financial transactions include at least one of transfers of funds to and from financial accounts corresponding to read card data;

wherein the at least one surface computer includes;

a touch screen interface including one planar interface surface, wherein the one planar interface surface includes at least two disposed user locations, wherein each user location is configured to concurrently provide visual outputs through the interface surface and receive user inputs through user contact with the interface surface at each respective user location from at least two respective users.

2. The apparatus according to claim 1 wherein the at least one transaction function device includes an opening, wherein the opening is configured to have at least one of bills and checks move through the opening during transactions, and wherein the opening is positioned vertically below the interface surface.

3. The apparatus according to claim 2 wherein the card reader extends behind the interface surface.

4. The apparatus according to claim 3 wherein the card reader includes a slot, and wherein the slot extends through the interface surface.

5. The apparatus according to claim 3, wherein the card reader comprises a contactless card reader.

6. The apparatus according to claim 3 wherein the at least one surface computer is operative to communicate with a mobile device, and wherein the at least one surface computer is operative to cause the mobile device to communicate with the at least one surface computer responsive to the mobile device being positioned in contact with the interface surface.

7. The apparatus according to claim 6 wherein the at least one surface computer is operative to communicate with the mobile device responsive to user contact with the interface surface adjacent to the mobile device.

8. The apparatus according to claim 7 wherein the at least one surface computer is operative to communicate with the mobile device responsive to a user circling the mobile device with a finger in contact with the interface surface.

9. The apparatus according to claim 6 wherein the at least one surface computer is operative to carry out concurrent transaction sessions including separate financial transactions responsive to inputs through user contacts with the interface surface at each user location.

10. The apparatus according to claim 9 and further comprising at least one eye sensing apparatus, wherein the at least one eye sensing apparatus is in operative connection with the at least one surface computer, wherein the at least one surface computer is operative to position at least a portion of a user location on the interface surface responsive to the eye sensing apparatus.

11. The apparatus according to claim 10 wherein the at least one surface computer is operative to cause bills to be dispensed through the opening of the transaction function device responsive to inputs received at a first user location of the user locations.

12. The apparatus according to claim 11 wherein the at least one surface computer is operative to cause at least one output through the interface surface at the first user location, wherein the at least one output includes a pointer toward the transaction function device opening.

13. The apparatus according to claim 12 and further comprising a biometric reading device, wherein the biometric reading device is in operative connection with the at least one surface computer, wherein the at least one biometric reading device is operative to read at least one user biometric feature through the interface surface.

14. The apparatus according to claim 13 wherein the at least one biometric reading device comprises a fingerprint scanner.

15. The apparatus according to claim 13 wherein the at least one biometric reading device comprises a hand scanner.

16. The apparatus according to claim 13 wherein the at least one surface computer is operative to provide at least one user identifying output through the interface surface at the first user location prior to user arrival at the first user location.

17. The apparatus according to claim 16 wherein the at least one user identifying output includes a user'"'"'s name.

18. The apparatus according to claim 17 wherein the at least one surface computer is operative to communicate with a user'"'"'s mobile device, wherein the at least one user identifying output is provided responsive to communication between the at least one surface computer and the user'"'"'s mobile device.

19. The apparatus according to claim 17 and further comprising a facility and a greeting terminal, wherein the greeting terminal and the at least one surface computer are located in the facility, and wherein the at least one surface computer is operative to communicate with the greeting terminal located in the facility, wherein the facility includes the at least one surface computer, and wherein the at least one user identifying output is provided responsive to communication between the at least one surface computer and the greeting terminal.

20. The apparatus according to claim 1 and further comprising at least one eye sensing apparatus, wherein the at least one eye sensing apparatus is operative to sense where a user'"'"'s eyes are directed, and wherein the at least one eye sensing apparatus is in operative connection with the at least one surface computer, wherein the at least one surface computer is operative to provide at least one output to the eye sensing apparatus.

21. The apparatus according to claim 1, wherein the at least one surface computer is operative to communicate with a mobile device, and wherein the at least one surface computer is operative to communicate with the mobile device responsive to the mobile device being positioned adjacent to the interface surface.

22. The apparatus relating to claim 1 wherein the at least one surface computer is operative to carry out concurrent financial transactions for different users responsive to inputs through user contacts with the interface surface at each user location.