Banking system operated responsive to data read from data bearing records

• US 7,883,009 B2
• Filed: 08/16/2010
• Issued: 02/08/2011
• Est. Priority Date: 05/07/1997
• Status: Expired due to Fees

• Current Assignee: Diebold Incorporated (Diebold Nixdorf, Incorporated)
• Original Assignee: Diebold Incorporated (Diebold Nixdorf, Incorporated)
• Inventors: MEEK, JAMES, Bakerink, Allan R., Frazzitta, Bartholomew J., Benore, Randolph C., McIntyre, Daniel C., DePietro, Mark
• Primary Examiner(s): TRAIL, ALLYSON NEEL
• Application Number:
  US12/806,555
• Publication Number:
  US 20100318462A1
• Time in Patent Office: 176 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). A machine processor is operative to cause the machine to receive visual and/or audio content from content sources (342, 343) and to store data corresponding to the content. The content is then output through the external displays.

Claims

1. A method comprising:

(a) placing a first customer station in two-way electronic audio and video communication with a local service provider (SP) station, enabling a local SP located at the local SP station to communicate with a first customer located at the first customer station,

 

wherein the first customer station and the local SP station are both located at a same transaction facility,

wherein the transaction facility includes a plurality of customer stations,

 

wherein the plurality of customer stations include the first customer station,

wherein the first customer station includes at least one display device,

wherein the first customer station includes at least one reader device operative to read first customer identification data provided by the first customer,

wherein the first customer station includes an automated banking machine,

 

wherein the automated banking machine is operative to carry out cash dispense transactions,

wherein the automated banking machine includes at least one cash dispenser,

 

wherein the automated banking machine includes at least one machine computer,

wherein the at least one machine computer is operative to allow the first customer to request a cash dispense transaction responsive at least in part on the first customer being recognized as an authorized user of the automated banking machine based at least in part on computer-determined correspondence between

 

first customer identification data read by the at least one reader device and

 

authorized user identification information stored in at least one data store,

wherein the at least one machine computer is operative to cause a financial account to be assessed a value associated with cash dispensed,

wherein the transaction facility is adapted to provide two-way electronic audio and video communication between each customer station and the local SP station, enabling a SP located at the local SP station to communicate with a respective customer located at a respective customer station,

wherein the transaction facility includes an item conveyor system connecting the local SP station to each respective customer station, wherein the item conveyor system is operable to selectively physically move at least one transaction item involved in a customer transaction between each respective customer station and the local SP station,

 

wherein the transaction facility includes a check imaging device,

wherein the check imaging device is operative to produce check image data corresponding to at least a portion of a financial check;

(b) subsequent to (a), operating the local SP station responsive to at least one local SP input at the local SP station, to send communication to the first customer station in carrying out a first portion of a customer transaction;

(c) subsequent to (b), responsive to at least one further local SP input at the local SP station, placing the first customer station in electronic audio and video communication with a remote SP station located remotely from the transaction facility, enabling a remote SP located at the remote SP station to communicate with the first customer located at the first customer station;

(d) subsequent to (c), operating the remote SP station responsive to at least one remote SP input at the remote SP station, to send communication to the first customer station in carrying out a second portion of the customer transaction; and

(e) completing the customer transaction;

wherein (a)-(e) are carried out during a single customer session while the first customer is located at the first customer station.

2. The method according to claim 1 wherein the at least one reader device includes at least one of a card reader and a biometric reader,

wherein the at least one machine computer is in operative connection with the at least one cash dispenser and the at least one of a card reader and a biometric reader,

wherein the at least one machine computer is operative to cause financial transfers responsive at least in part to data read by the at least one of a card reader and a biometric reader,

and further comprising:

(f) during the single customer session, operating the at least one of a card reader and a biometric reader of the first customer station to read first customer identification data provided by the first customer.

3. The method according to claim 2 wherein the at least one reader device includes both a card reader and a biometric reader,

wherein (f) includes

operating the card reader to read first customer card data, and

operating the biometric reader to read first customer biometric data,

and further comprising:

(g) operating the at least one machine computer to allow the first customer to request a cash dispense transaction responsive at least in part to both

computer-determined correspondence between the first customer card data read in (f) and stored card information, and

computer-determined correspondence between the first customer biometric data read in (f) and stored biometric information.

4. The method according to claim 1 wherein in (a) the first customer station and local SP station are physically separated at the transaction facility by at least one structure that prevents physical visibility between the first customer and local SP.

5. The method according to claim 1 wherein the first customer station allows an authorized user of the automated banking machine to carry out a cash withdrawal transaction involving operation of the cash dispenser on a self-service basis without requiring SP involvement, and further comprising:

(f) carrying out an entire cash withdrawal transaction with the automated banking machine without any communication between either

the authorized user at the first customer station and the local SP located at the local SP station, or

the authorized user at the first customer station and the remote SP located at the remote SP station.

6. The method according to claim 1 wherein the at least one machine computer is operative to cause cash dispenser operation responsive to an SP dispense instruction, and further comprising:

(f) receiving through at least one SP input device located at least one of the local SP station and the remote SP station, at least one SP input corresponding to an SP dispense instruction; and

(g) responsive to (f), operating the at least one machine computer to cause the cash dispenser to dispense cash.

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

(f) receiving a financial check at the first customer station;

(g) producing check image data corresponding to at least a portion of the check through operation of the check imaging device; and

(h) subsequent to (g), transmitting the check data to at least one data store accessible by at least one of the local SP station and the remote SP station.

8. The method according to claim 1 wherein the first customer station includes the check imaging device, and further comprising:

(f) during the single customer session, operating the check imaging device to produce check image data corresponding to at least a portion of a check;

(g) during the single customer session, delivering the check image data produced in (f) to the remote SP station.

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

(h) prior to (g), delivering the check image data produced in (f) to the local SP station.

10. The method according to claim 1 wherein the item conveyor system includes at least one pneumatic tube, and further comprising:

(f) during the single customer session, transmitting between the first customer station and the local SP at least one item in a carrier through the at least one pneumatic tube responsive to air pressure.

11. The method according to claim 1 wherein (a) includes placing the automated banking machine in two-way electronic audio and video communication with the local SP station, wherein (c) includes placing the automated banking machine in electronic audio and video communication with the remote SP station,

and further comprising:

(f) receiving the communication sent in (b) through the automated banking machine; and

(g) receiving the communication sent in (d) through the automated banking machine.

12. The method according to claim 11 wherein the automated banking machine includes a machine display device, wherein the at least one display device includes the machine display device, wherein (f) includes receiving at least part of the communication through the machine display device, and wherein (g) includes receiving at least part of the communication through the machine display device.

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

(f) prior to (a), sensing the first customer with at least one sensor adjacent the first customer station;

(g) providing at least one output through a queuing device to the local SP station responsive to the sensing in (f); and

(h) connecting the display device to a broadcast source responsive to the sensing in (f).

14. A method comprising:

(a) operating an automated banking machine including a cash dispenser during a check cashing transaction, to receive a financial check indicating a check amount;

(b) operating the machine to allow therethrough during the check cashing transaction, two-way electronic audio and video communication between a customer located at the machine and a person located at a local service provider (SP) station, wherein the machine and local SP station are both located at a same transaction facility, and wherein the transaction facility includes an item conveying system operable to physically move at least one item between the local SP station and the customer located at the machine;

(c) operating the machine to image at least a portion of the check received in (a) to produce check image data;

(d) operating the machine to cause the check image data produced in (c) to be accessible to a remote SP station located remotely from the transaction facility;

(e) subsequent to (a) and (b), operating the machine to allow therethrough during the check cashing transaction, two-way electronic audio and video communication between the customer located at the machine and a person located at the remote SP station; and

(f) subsequent to (e), operating the machine to cause the cash dispenser to dispense to the customer, a cash value associated with the check amount.

15. The method according to claim 14

wherein the machine includes at least one reader device operative to obtain identification data provided by the customer,

wherein the customer is authorized to use the machine to carry out a cash withdrawal transaction involving operation of the cash dispenser, responsive at least in part to computer-determined correspondence between identification data obtained by the at least one reader device and data store information,

wherein an authorized user of the machine is able to carry out the cash withdrawal transaction on a self-service basis without requiring any communication between either

the authorized user and the person located at the local SP station, or

the authorized user and the person located at the remote SP station

and further comprising:

(g) during the check cashing transaction, operating the at least one reader device to obtain identification data provided by the customer.

16. The method according to claim 15 wherein the at least one reader device includes a card reader and a biometric reader, wherein (g) includes both operating the card reader to read card data and operating the biometric reader to read biometric data,

and further comprising:

(h) authorizing the customer to use the machine responsive to computer-determined correspondence between the read card data and the read biometric data.

17. The method according to claim 14 wherein the machine is caused to operate in (f) responsive to at least one SP dispense input received at least one of the local SP station and the remote SP station.

18. A method comprising:

(a) establishing two-way electronic audio and video connection between an automated banking machine and a local service provider (SP) station,

wherein the connection allows a customer located at the machine to communicate through the machine with a first person located at the local SP station,

wherein both the machine and the local SP station are located at a same transaction facility,

wherein the transaction facility includes an item conveying system operable to physically move at least one item between the local SP station and the customer,

wherein the machine includes a cash dispenser;

(b) subsequent to (a), establishing two-way electronic audio and video connection between the machine and a remote SP station located remotely from the transaction facility, responsive to at least one SP input received by at least one input device at the local SP station,

wherein the connection allows the customer located at the machine to communicate through the machine with a second person located at the remote SP station,

wherein (a) and (b) are carried out during a single customer transaction session with the machine.

19. The method according to claim 18

wherein the machine includes at least one reader device operative to obtain identification data provided by the customer,

wherein the customer is authorized to use the machine to carry out a cash withdrawal transaction involving operation of the cash dispenser on a self-service basis without any SP assistance, responsive at least in part to computer-determined correspondence between identification data obtained by the at least one reader device and data store information,

and further comprising:

(c) during the single transaction customer session, operating the at least one reader device to obtain identification data provided by the customer.

20. The method according to claim 18 wherein the single customer transaction session includes a check cashing transaction, and further comprising:

(c) operating the machine responsive to at least one SP dispense input received at least one of the local SP station and the remote SP station, to cause the cash dispenser to dispense a cash value to the customer, wherein the cash value is associated with an amount of a check involved in the check cashing transaction.