Application service provider and automated transaction machine system and method

• US 7,725,393 B2
• Filed: 02/03/2003
• Issued: 05/25/2010
• Est. Priority Date: 11/27/1996
• Status: Expired due to Fees

• Current Assignee: Diebold Nixdorf, Incorporated
• Original Assignee: Diebold Self-Service Systems (Diebold Nixdorf, Incorporated)
• Inventors: Drummond, Jay Paul, Smith, Mark D., Blackson, Dale H.
• Primary Examiner(s): Campen; Kelly
• Application Number:
  US10/356,849
• Publication Number:
  US 20030120597A1
• Time in Patent Office: 2,668 Days
• Field of Search: 705 35- 45, 705 65- 79, 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 20/1085 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 19/201 Accessories of 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 63/12 Applying verification of the received information cryptographic mechanisms or cryptographic arrangements for data integrity or data verification H04L9/32
• 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 plurality of ATMs of different financial institutions include ATM software that enables them to individually selectively access different ATM applications through network communication with a remote server of an application service provider (ASP). The ATM software also allows the ATMs to carry out transaction responsive to instructions included in ATM application accessed from the ASP server. The ASP server uses a thin client model or remote windowing to execute individual ATM application sessions for each ATM connected to the server. The ATMs run limited capability thin client software to serve as portals to the ATM sessions executing on the ASP servers. The right to access ASP server side ATM applications is provided to the financial institutions in exchange for payment to the ASP. Server software can cause charges to be assessed on a time basis, a per ATM basis, or a per transaction basis.

Claims

1. At least one computer readable medium including

instructions executable by at least one computer in an ATM including a cash dispenser and a browser operating in the at least one computer,

wherein the instructions when executed by the at least one computer are operative to cause the ATM

to access at least one ATM controlling application including at least one document comprising ATM configuration data on a remote application server,

to provide outputs from at least one output device on the ATM, and

to be configured responsive to the ATM configuration data, enabling the ATM to operate to cause transfer of financial funds in carrying out at least one ATM transaction.

2. The at least one computer readable medium according to claim 1 wherein the ATM includes a depository for accepting items, and wherein the at least one transaction function includes accepting an item for deposit.

3. The at least one computer readable medium according to claim 2 wherein the at least one transaction function includes receiving a check.

4. The at least one computer readable medium according to claim 1 wherein the at least one transaction function includes dispensing pay.

5. The at least one computer readable medium according to claim 1 wherein the at least one transaction function includes paying a bill.

6. The at least one computer readable medium according to claim 1 wherein the at least one transaction function includes dispensing tickets.

7. The at least one computer readable medium according to claim 1 wherein the at least one transaction function includes outputting digital content through the ATM.

8. The at least one computer readable medium according to claim 1 wherein the at least one transaction function comprises providing a digital signature.

9. The at least one computer readable medium according to claim 1 wherein the at least one transaction function includes at least one gaming function.

10. The at least one computer readable medium according to claim 1 wherein the at least one transaction function includes outputting marketing information.

11. The at least one computer readable medium according to claim 1 wherein the at least one transaction function includes ordering goods or services through the ATM.

12. The at least one computer readable medium according to claim 1 wherein the at least one ATM application comprises a service related function, and wherein the instructions are operative to cause service related data regarding the ATM to be sent to a remote server.

13. The at least one computer readable medium according to claim 1 wherein the instructions are operative to cause the at least one computer to securely communicate with the remote server.

14. The at least one computer readable medium according to claim 13 wherein the instructions are operative to cause the at least one computer to communicate with the remote server through use of PKI.

15. The at least one computer readable medium according to claim 1 wherein the instructions when executed by the at least one computer are operative to cause the ATM to access the at least one controlling application from an application service provider (ASP), and wherein the instructions are adapted to cause the ATM to carry out the at least one transaction function only on a temporary basis during a time which the ASP has been paid for use of the at least one controlling application.

16. The at least one computer readable medium according to claim 1, wherein the ATM includes a biometric reader device that is operable to receive biometric data from a machine user, and wherein the instructions when executed by the at least one computer are further operative to determine whether the machine user is an authorized user of the ATM based at least in part upon received biometric data corresponding to the machine user, and wherein the at least one transaction function is carried out subsequent to determining that the machine user is an authorized user of the ATM.

17. The at least one computer readable medium according to claim 1 wherein the instructions when executed by the at least one computer are operative to cause the ATM to be configured responsive to the ATM configuration data to enable at least one transaction function to be carried out through operating at least one transaction function device of the ATM.

18. The at least one computer readable medium according to claim 17 wherein the at least one transaction function includes operating the cash dispenser to dispense cash from the ATM.

19. At least one computer readable medium including

instructions executable by at least one ATM computer of an ATM including a browser operating in the at least one ATM computer,

wherein the instructions when executed by the at least one ATM computer are operative to

cause the ATM to access at a remote application server, at least one ATM application that enables the ATM to cause transfer of financial funds involved in at least one ATM transaction,

cause the ATM to operate to cause transfer of financial funds in carrying out at least one ATM transaction, responsive to accessing the at least one ATM application, and

cause the ATM to provide at least one output from at least one output device of the ATM.

20. The at least one computer readable medium according to claim 19

wherein the at least one ATM application includes at least one ATM controlling application including at least one document comprising ATM configuration data that enables the ATM to operate to cause at least one financial funds transfer in carrying out at least one ATM transaction,

wherein the instructions when executed by the at least one computer are operative to cause the ATM to access the at least one ATM controlling application at the remote application server.

21. At least one computer readable medium including

instructions executable by at least one ATM computer of an ATM including a browser operating in the at least one ATM computer

wherein die instructions are executable to

cause the ATM to access at least one ATM configuration application at a remote application server,

cause the ATM responsive to accessing the at least one ATM configuration application, to be temporarily operationally enabled to cause transfer of financial funds in carrying out at least one ATM transaction,

 

cause the ATM to operate to cause transfer of financial funds in carrying out at least one ATM transaction, responsive to being temporarily operationally enabled, and

cause the ATM to provide at least one output from at least one output device of the ATM.