Banking system operated responsive to data read from data bearing records

• US 7,780,078 B2
• Filed: 07/28/2009
• Issued: 08/24/2010
• Est. Priority Date: 05/07/1997
• Status: Expired due to Fees

• Current Assignee: Diebold Nixdorf, Incorporated
• Original Assignee: Diebold Incorporated (Diebold Nixdorf, Incorporated)
• Inventors: DePietro, Mark, McIntyre, Daniel C., Benore, Randolph C., Frazzitta, Bartholomew J., Bakerink, Allan R., MEEK, JAMES
• Primary Examiner(s): TRAIL, ALLYSON NEEL
• Application Number:
  US12/462,116
• Publication Number:
  US 20100001059A1
• Time in Patent Office: 392 Days
• Field of Search: 235/379, 235/381, 705/10, 705/14, 705/41
• US Class Current: 235/379
• CPC Class Codes: G06Q 20/105 involving programming of a portable memory device, e.g. IC cards, "electronic purses"
• 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 20/40145 Biometric identity checks
• CPC Class Codes: G06Q 30/02 Marketing; Price estimation or determination; Fundraising
• CPC Class Codes: G06Q 30/0201 Market modelling; Market analysis; Collecting market data
• CPC Class Codes: G06Q 30/0241 Advertisements
• CPC Class Codes: G06V 30/40 Document-oriented image-based pattern recognition
• CPC Class Codes: G07F 19/20 Automatic teller machines [ATMs]
• CPC Class Codes: G07F 19/201 Accessories of ATMs
• CPC Class Codes: G07F 19/211 Software architecture within ATMs or in relation to the ATM network
• CPC Class Codes: H04N 7/18 Closed-circuit television [CCTV] systems, i.e. systems in which the video signal is not broadcast

Abstract

A system includes automated banking machines that operate responsive to data read from data bearing records. Transactions may also be carried out through communication with local and remote service providers. An automated banking machine (322) operative to conduct transactions including cash dispensing for users responsive to data read from user cards and through communication with a transaction host (336). The machine is also operative to provide output signals which drive external displays (328, 330). The processor in the machine is also operative to cause the machine to receive visual and/or audio content from one or more content sources (342, 343) and to store data corresponding to such content. Such content is then output through the external displays.

Claims

1. A method comprising:

(a) obtaining through operation of at least one contactless reading device in operative connection with at least one computer of an automated banking machine including a card reader and a display device, identifying data corresponding to a person waiting to use the machine and not currently conducting a transaction with the machine, wherein the at least one computer is operative to cause the display device to output transaction instructions to users of the machine, and wherein the at least one computer is operative to cause financial transfers involving accounts corresponding to card data read from user cards through operation of the card reader;

(b) operating the at least one computer responsive at least in part to the identifying data obtained in step (a), to cause at least one marketing presentation targeted to the person waiting to use the machine to be determined; and

(c) subsequent to step (b), operating the at least one computer to cause at least one output corresponding to the at least one marketing presentation to be provided through at least one external display, wherein the at least one external display is other than the display device, and wherein the at least one external display is viewable by the person waiting to use the machine.

2. The method according to claim 1 wherein in step (c) the at least one external display is positioned away from the machine.

3. The method according to claim 1 wherein in steps (a)-(c) the machine is being operated by a machine user to conduct at least one transaction, wherein the machine user is other than the person.

4. The method according to claim 1 and further comprising:

(d) subsequent to step (c), reading card data from a card input by a user to the card reader;

(e) operating the at least one computer responsive at least in part to the card data read in step (d), to cause a further marketing presentation targeted to the user to be determined; and

(f) subsequent to step (e), operating the at least one computer to cause at least one output corresponding to the further marketing presentation to be provided through the display device.

5. The method according to claim 4 wherein the further marketing presentation output in step (f) differs from the at least one marketing presentation.

6. The method according to claim 5 wherein the person of step (a) and the user of step (d) are the same.

7. The method according to claim 4 wherein the person of step (a) differs from the user of step (d).

8. The method according to claim 1 and further comprising:

(d) operating the at least one computer to cause broadcast content to be output through the at least one external display.

9. The method according to claim 8 wherein in (d) the broadcast content includes at least one of stock prices, sports scores, and weather information.

10. The method according to claim 8 and further comprising:

(e) operating the at least one computer to cause output of the broadcast content in step (d) to be temporarily ceased while the at least one output corresponding to the at least one marketing presentation is provided through the at least one external display in step (c).

11. The method according to claim 1 wherein in step (a) the at least one contactless reading device comprises an RFID reader.

12. The method according to claim 1 wherein in step (a) the at least one contactless reading device comprises a biometric reader.

13. The method according to claim 1 wherein in step (a) the at least one contactless reading device comprises a camera.

14. The method according to claim 1 wherein the machine includes at least one data store in operative connection with the at least one computer, and further comprising:

(d) storing data corresponding to a plurality of marketing presentations in the at least one data store, wherein the at least one marketing presentation is one of the plurality of marketing presentations;

wherein step (b) includes operating the at least one computer to determine the at least one marketing presentation.

15. The method according to claim 1 wherein in step (a) the machine includes a cash dispenser device, and wherein the at least one computer is operative to cause the cash dispenser device to dispense cash.

16. A method comprising:

(a) operating at least one computer of an automated banking machine including a card reader operative to read data from user cards corresponding to financial accounts, a display and a cash dispenser, to cause at least one instruction to be output through the display responsive to at least one communication received from a remote transaction host;

(b) operating the at least one computer to obtain data corresponding to a person through operation of at least one contactless reading device, while the person is waiting to use the machine and not currently conducting a transaction with the machine;

(c) operating the at least one computer to determine at least one first marketing presentation targeted to the person based at least in part on the data obtained in step (b),

(d) operating the at least one computer to cause the at least one first marketing presentation to be output through at least one external display other than the display, to the person while the person is still waiting to use the machine;

(e) operating the at least one computer to obtain data corresponding to the person through operation of at least one reader device of the machine, while the person is using the machine;

(f) operating the at least one computer to determine at least one second marketing presentation targeted to the person based at least in part on the data obtained in step (e); and

(g) operating the at least one computer to cause the at least one second marketing presentation to be output through the display while the person is using the machine, wherein the at least one second marketing presentation differs from the at least one first marketing presentation, wherein the at least one first marketing presentation and the at least one second marketing presentation are included in a common marketing presentation sequence, and wherein the at least one second marketing presentation follows the at least one first marketing presentation in sequential order in the common marketing presentation sequence.

17. The method according to claim 16 wherein in step (d) the at least one external display is positioned away from the machine, and wherein in steps (b)-(d) the machine is being operated by a machine user to conduct at least one transaction, wherein the machine user is other than the person.

18. The method according to claim 16 and further comprising:

(h) prior to step (d), operating the at least one computer to cause broadcast content to be output through the at least one external display, wherein the broadcast content includes at least one of stock prices, sports scores, and weather information;

(i) operating the at least one computer to temporarily cease output of the broadcast content while the at least one first marketing presentation is output in step (d).

19. The method according to claim 16 wherein in step (b) the at least one contactless reading device comprises at least one of an RFID reader, a biometric reader, and a camera.

20. At least one article including computer executable instructions operative to cause at least one computer to carry out a method comprising:

(a) obtaining through operation of at least one contactless reading device in operative connection with at least one processor of an automated banking machine including a card reader and a display device, identifying data corresponding to a person waiting to use the machine and not currently conducting a transaction with the machine, wherein the at least one processor is operative to cause the display device to output transaction instructions to users of the machine, and wherein the at least one processor is operative to cause financial transfers involving accounts corresponding to card data read from user cards through operation of the card reader;

(b) operating the at least one processor responsive at least in part to the identifying data obtained in step (a), to cause at least one marketing presentation targeted to the person waiting to use the machine to be determined; and

(c) subsequent to step (b), operating the at least one processor to cause at least one output corresponding to the at least one marketing presentation to be provided through at least one external display, wherein the at least one external display is other than the display device, and wherein the at least one external display is viewable by the person waiting to use the machine.