Banking system controlled responsive to data bearing records

• US 7,959,077 B2
• Filed: 01/23/2009
• Issued: 06/14/2011
• Est. Priority Date: 02/05/2000
• Status: Active Grant

• Current Assignee: Diebold Nixdorf, Incorporated
• Original Assignee: Diebold Incorporated (Diebold Nixdorf, Incorporated)
• Inventors: Ramachandran, Natarajan, Smith, Mark D., Church, James R., Blackson, Dale H.
• Primary Examiner(s): Hess, Daniel A
• Assistant Examiner(s): Savusdiphol, Paultep
• Application Number:
  US12/321,759
• Publication Number:
  US 20090194585A1
• Time in Patent Office: 872 Days
• Field of Search: 235/375, 235/379, 235/380, 235/381
• US Class Current: 235/381
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/1085 involving automatic teller machines [ATMs]
• CPC Class Codes: G06Q 20/123 Shopping for digital content
• CPC Class Codes: G06Q 20/1235 with control of digital rights management [DRM]
• CPC Class Codes: G06Q 20/18 involving self-service terminals [SST], vending machines, kiosks or multimedia terminals
• CPC Class Codes: G06Q 20/327 Short range or proximity payments by means of M-devices
• 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 17/0014 for vending, access and use of specific services not covered anywhere else in G07F17/00 meter-controlled dispensing of liquid, gas or electricity G07F15/00
• CPC Class Codes: G07F 17/16 for devices exhibiting advertisements, announcements, pictures or the like
• CPC Class Codes: G07F 19/20 Automatic teller machines [ATMs]
• CPC Class Codes: G07F 19/201 Accessories of ATMs
• CPC Class Codes: G07F 19/205 Housing aspects of ATMs
• CPC Class Codes: G11B 2220/216 Rewritable discs
• CPC Class Codes: G11B 2220/218 Write-once discs
• CPC Class Codes: G11B 2220/2545 CDs
• CPC Class Codes: G11B 2220/2562 DVDs [digital versatile discs]; Digital video discs; MMCDs; HDCDs
• CPC Class Codes: G11B 2220/2575 DVD-RAMs
• CPC Class Codes: G11B 2220/41 Flat as opposed to hierarchical combination, e.g. library of tapes or discs, CD changer, or groups of record carriers that together store one title
• CPC Class Codes: G11B 2220/61 wherein solid state memory is used for storing A/V content
• CPC Class Codes: G11B 2220/913 : Digital audio tape [DAT] format
• CPC Class Codes: G11B 27/031 : Electronic editing of digitised analogue information signals, e.g. audio or video signals
• CPC Class Codes: G11B 27/032 : on tapes G11B27/036, G11B27/038 take precedence
• CPC Class Codes: G11B 27/034 : on discs G11B27/036, G11B27/038 take precedence

Abstract

An automated banking machine operates responsive to data bearing records to carry out financial transactions. The automated banking machine includes a card reader that operates to read data from user cards that corresponds to financial accounts. The automated banking machine includes a display, at least one manual input device and a cash dispenser. The machine further includes at least one computer processor that operates to cause financial transactions to be carried out on accounts corresponding to the data read from cards. The automated banking machine computer processor is operative to also cause digital information to be delivered from the machine or sent to remote system addresses.

Claims

1. Apparatus comprising:

at least one computer associated with an automated banking machine of a banking system, wherein the machine includes at least one data reader and at least one user input device,

wherein the at least one computer is operable to cause the at least one data reader to read user data usable to identify a financial account associated with a user of the machine,

wherein the at least one computer is operable responsive at least in part to at least one user selection input to the at least one user input device, to receive user selection of a purchasable digital content file which comprises either

an audio file including at least one of music or a speaking voice, or

an audiovisual file including at least one of a movie or a video,

wherein the at least one computer is operable responsive at least in part to the user selection received, to cause user payment for the digital content file to be associated with the financial account,

wherein the at least one computer is operable responsive at least in part to the user selection received, to cause the digital content file to be sent to a network address of a personal device of the user, wherein the personal device comprises either a mobile phone or a PC.

2. The apparatus according to claim 1 wherein the personal device comprises the mobile phone.

3. The apparatus according to claim 2 wherein the digital content file comprises the audio file.

4. The apparatus according to claim 2 wherein the digital content file comprises the audiovisual file.

5. The apparatus according to claim 1 wherein the personal device comprises the PC.

6. The apparatus according to claim 5 wherein the digital content file comprises the audio file.

7. The apparatus according to claim 5 wherein the digital content file comprises the audiovisual file.

8. The apparatus according to claim 5 wherein the PC comprises a home PC.

9. The apparatus according to claim 1 wherein the machine includes a wireless output port, wherein the at least one computer is also operable responsive at least in part to user selection received, to cause the digital content file to be output through the wireless output port in a manner that enables the portable personal device to wirelessly receive the digital content file only while the portable personal device is located adjacent the machine.

10. The apparatus according to claim 9 wherein the portable personal device comprises the mobile phone.

11. The apparatus according to claim 1 wherein the at least one computer is operable to cause a value associated with the digital content file to be transferred from the financial account to an account associated with a provider of the digital content file.

12. The apparatus according to claim 1 wherein the machine includes a cash dispenser in operative connection with the at least one computer, wherein the at least one computer is operable to cause cash to be dispensed from the machine through operation of the cash dispenser.

13. Apparatus comprising:

at least one computer associated with an automated banking machine of a banking system, wherein the machine includes at least one data reader, at least one user input device, and a wireless output port,

wherein the at least one computer is operable to cause the at least one data reader to read user data usable to identify a financial account associated with a user of the machine,

wherein the at least one computer is operable responsive at least in part to at least one user selection input to the at least one user input device, to receive user selection of a purchasable user access to at least one of an event and a facility,

wherein the at least one computer is operable responsive at least in part to the user selection received, to cause user payment for the user access to be associated with the financial account,

wherein the at least one computer is operable responsive at least in part to the user selection received, to cause a digital access code corresponding to the user access to be output through the wireless output port in a manner that enables the user to wirelessly receive the digital access code into a portable personal device located adjacent the machine,

wherein the digital access code allows the user access to the at least one of the event and the facility.

14. The apparatus according to claim 13 wherein the portable personal device comprises a mobile phone, wherein the at least one computer is operable to cause the digital access code to be output in a manner that enables the mobile phone to wirelessly receive the digital access code.

15. The apparatus according to claim 14 wherein the digital access code comprises a digital ticket.

16. The apparatus according to claim 15 wherein the at least one computer is operable to cause the digital access code to be output in a manner that enables the mobile phone to subsequently electronically transfer at least a portion of the received digital ticket.

17. The apparatus according to claim 13 wherein the at least one computer is operable to cause a value associated with the digital access code to be transferred from the financial account to an account associated with a provider of the digital access code.

18. The apparatus according to claim 13 wherein the at least one computer is also operable responsive at least in part to user selection received, to cause the digital access code to be sent to a network address of a personal device of the user, wherein the personal device comprises either a mobile phone or a PC.

19. A method comprising:

(a) operating at least one computer associated with an automated banking machine including at least one reader, to cause the machine during a transaction involving a machine user associated with a mobile phone, to read user data usable to identify a financial account of the user;

(b) subsequent to (a), operating the at least one computer during the transaction to cause the machine to receive through at least one user input device of the machine, user selection of purchasable digital data of monetary value;

(c) subsequent to (b), operating the at least one computer during the transaction to cause user payment for the user selection in (b), to be associated with the financial account; and

(d) subsequent to (b), operating the at least one computer to cause the digital data to be wirelessly communicated to the mobile phone.

20. The method according to claim 19 wherein the machine includes a wireless output port, wherein in (d) the at least one computer causes the digital data to be output through the wireless output port in a manner that enables the mobile phone to receive the digital data only while the mobile phone is located adjacent the machine.