Automated banking machine and system

• US 7,737,950 B2
• Filed: 07/28/2008
• Issued: 06/15/2010
• Est. Priority Date: 11/27/1996
• Status: Expired due to Fees

• Current Assignee: Diebold Nixdorf, Incorporated
• Original Assignee: Diebold Incorporated (Diebold Nixdorf, Incorporated)
• Inventors: Weis, David W., Ess, Joseph C., Cichon, Bob, Drummond, Jay Paul, Blackson, Dale, Smith, Mark D., Moales, Mark A., Church, James
• Primary Examiner(s): LEWIS, DAVID LEE
• Application Number:
  US12/220,734
• Publication Number:
  US 20080288402A1
• Time in Patent Office: 687 Days
• Field of Search: 345156-168, 705/43, 235379-381
• US Class Current: 345/168
• 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: G06F 9/465 Distributed object oriented systems remote method invocation [RMI] G06F9/548
• 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 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 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 63/0853 using an additional device, e.g. smartcard, SIM or a different communication terminal cryptographic mechanisms or cryptographic arrangements for entity authentication involving additional secure or trusted devices H04L9/3234
• 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 67/564 Enhancement of application control based on intercepted application data
• CPC Class Codes: H04L 69/329 : in the application layer [OSI layer 7]
• CPC Class Codes: H04L 9/40 : Network security protocols

Abstract

A cash dispensing automated banking machine that operates in response to data read from user cards includes a cash dispenser, keypad, and a card reader. The card reader is operative to read data bearing records such as user cards that include financial account information. At least one computer in the automated banking machine is responsive to a keymap specified by at least one markup language document and is responsive to configuration data accessed by the automated banking machine, to selectively enable a subset of keys of the keypad to be capable of providing inputs operative to cause the automated banking machine to carry out a portion of a banking transaction.

Claims

1. A cash dispensing automated banking machine that operates responsive to data read from user cards, comprising:

at least one computer in the automated banking machine, wherein the at least one computer is programmed to receive at least one markup language document from at least one server, wherein the at least one markup language document specifies a keymap;

a plurality of transaction function devices in supporting connection with the machine, wherein the plurality of transaction function devices include a cash dispenser and a card reader;

a display screen in supporting connection with the machine; and

at least one resource in supporting connection with the machine, wherein the at least one resource includes a keypad including a plurality of keys in supporting connection with the automated banking machine;

wherein the at least one computer is operative responsive to the keymap specified by the at least one markup language document and responsive to configuration data accessed by the automated banking machine, to selectively enable a subset of keys of the keypad to be capable of receiving manual inputs operative to cause the automated banking machine to carry out at least a portion of a banking transaction.

2. The machine according to claim 1, wherein the configuration data includes a plurality of sets of data usable by the at least one computer to selectively enable respective subsets including at least one key of the keypad, wherein each set of data is associated with a respective keymap, wherein the at least one computer is programmed to correlate the specified keymap with one of the subsets including at least one key of the keypad responsive to the configuration data, wherein the at least one computer is programmed to cause the automated banking machine to carry out at least a portion of the banking transaction responsive to at least one input signal generated responsive to at least one key of the one subset being manually operated by a user.

3. The machine according to claim 1, wherein the at least one markup language document comprises a Hyper-Text Markup Language (HTML) document.

7. The machine according to claim 1, wherein the at least one computer is programmed to receive the configuration data from the at least one server.

14. The machine according to claim 1, wherein the keys of the keypad correspond to physical keys mounted in fixed locations on the automated banking machine.

15. The machine according to claim 14, wherein the display screen does not include the keys of the keypad.

4. A cash dispensing automated banking machine that operates responsive to data read from user cards, comprising:

at least one computer in the automated banking machine, wherein the at least one computer is operatively programmed to receive at least one markup language document from at least one server, wherein the at least one markup language document specifies a keymap;

a plurality of transaction function devices in operatively supported connection with the machine, wherein the plurality of transaction function devices include a cash dispenser and a card reader;

a display screen in operatively supported connection with the machine; and

at least one resource in operatively supported connection with the machine, wherein the at least one resource includes a keypad including a plurality of keys in supporting connection with the automated banking machine;

wherein the at least one computer is operative, responsive to the keymap specified by the at least one markup language document and responsive to configuration data accessed by the automated banking machine, to selectively enable a subset of keys of the keypad to be capable of receiving manual inputs operative to cause the automated banking machine to carry out at least a portion of a banking transaction, wherein the configuration data further includes conversion data usable by the at least one computer to convert keypad input signals to at least one of keyboard input stream signals and mouse input stream signals.

5. The machine according to claim 4, wherein the at least one computer is operative responsive to a first key input signal generated responsive to manual operation of at least one key of the subset, to convert the first keypad key input signal to at least one first mouse input stream signal responsive to the conversion data, which first mouse input stream signal includes first data corresponding to a first mouse input location, wherein the first mouse input location corresponds to a first position on the display screen, and wherein the at least one computer is operative responsive to the at least one first mouse input stream signal to cause the machine to carry out at least a portion of the banking transaction.

6. The machine according to claim 5, wherein the at least one computer is operatively programmed to disable operation of at least one key of the keypad which is not included in the subset of keys correlated to the specified keymap, wherein manual operation of the at least one disabled key does not cause the at least one computer to generate a mouse input stream signal in response thereto.

8. A cash dispensing automated banking machine that operates responsive to data read from user cards, comprising:

at least one computer in the automated banking machine;

a display screen in supporting connection with the automated banking machine;

a cash dispenser in supporting connection with the automated banking machine;

a card reader in supporting connection with the automated banking machine;

wherein the at least one computer is programmed to receive configuration data from at least one server, which configuration data is associated with at least one of a plurality of resources included in the machine;

wherein the at least one computer is programmed to receive at least one markup language document from the at least one server, wherein the at least one markup language document includes application instructions;

wherein the at least one computer is programmed to correlate at least one portion of the application instructions to the at least one resource of the automated banking machine responsive to the configuration data; and

wherein the at least one computer is programmed to cause the automated banking machine to carry out at least a portion of a banking transaction responsive to the application instructions, which banking transaction includes operation of the at least one correlated resource.

9. The machine according to claim 8, wherein the at least one resource includes a keypad of the automated banking machine including a plurality of keys, wherein the configuration data includes a plurality of sets of data usable by the at least one computer to selectively enable respective subsets of keys of the keypad, wherein each subset includes at least one key, wherein each set of data is associated with a respective keymap, wherein the at least one portion of the application instructions specifies a keymap, wherein the at least one computer is programmed to correlate the specified keymap with one of the subsets including at least one of the keys of the keypad responsive to the configuration data, wherein the at least one computer is programmed to cause the automated banking machine to carry out at least a portion of the banking transaction responsive to at least one input signal generated responsive to at least one key of the one subset being manually operated by a user.

10. The machine according to claim 9, wherein the at least one markup language document comprises a Hyper-Text Markup Language (HTML) document.

16. The machine according to claim 8, wherein the at least one computer is operatively configured to use the configuration data received by the automated banking machine from the at least one server to determine which of a plurality of resources in the automated banking machine corresponds to the at least one resource that is used by the automated banking machine in carrying out portions of the banking transaction in response to the at least one portion of the application instructions.

17. The machine according to claim 8, wherein the at least one resource is a physical device in operatively supported connection with the automated banking machine.

18. The machine according to claim 8, wherein the at least one resource is a keypad that includes a plurality of physical keys mounted in fixed locations on the automated banking machine.

11. A cash dispensing automated banking machine that operates responsive to data read from user cards, comprising:

at least one computer in the automated banking machine;

a display screen in operatively supported connection with the automated banking machine;

a cash dispenser in operatively supported connection with the automated banking machine;

a card reader in operatively supported connection with the automated banking machine;

a keypad in operatively supported connection with the automated banking machine, wherein the keypad includes a plurality of keys;

wherein the at least one computer is operatively programmed to receive configuration data from at least one server, wherein the configuration data includes conversion data usable by the at least one computer to convert keypad input signals to at least one of keyboard input stream signals and mouse input stream signals, wherein the configuration data includes a plurality of sets of data usable by the at least one computer to selectively enable respective subsets of keys of the keypad, wherein each subset includes at least one key, wherein each set of data is associated with a respective keymap;

wherein the at least one computer is operatively programmed to receive at least one markup language document from the at least one server, wherein the at least one markup language document includes application instructions, wherein the at least one portion of the application instructions specifies a keymap;

wherein the at least one computer is operatively programmed to correlate the specified keymap with one of the subsets including at least one of the keys of the keypad responsive to the configuration data;

wherein the at least one computer is programmed to cause the automated banking machine to carry out at least a portion of a banking transaction responsive to the application instructions and at least one input signal generated responsive to at least one key of the one subset being manually operated by a user.

12. The machine according to claim 11, wherein the at least one computer is operative responsive to a first key input signal generated responsive to manual operation of at least one key of the one subset, to convert the first keypad key input signal to at least one first mouse input stream signal responsive to the conversion data, which first mouse input stream signal includes first data corresponding to a first mouse input location, wherein the first mouse input location corresponds to a first position on the display screen, and wherein the at least one computer is operative responsive to the at least one first mouse input stream signal to cause the automated banking machine to carry out the at least a portion of the banking transaction.

13. The machine according to claim 12, wherein the at least one computer is operatively programmed to disable operation of at least one key of the keypad which is not included in the subset of keys correlated to the specified keymap, wherein manual operation of the at least one disabled key does not cause the at least one computer to generate a mouse input stream signal in response thereto.