Card activated cash dispensing automated banking machine system and method

• US 8,033,456 B2
• Filed: 01/24/2011
• Issued: 10/11/2011
• Est. Priority Date: 04/17/1998
• Status: Expired due to Term

• Current Assignee: Diebold Nixdorf, Incorporated
• Original Assignee: Diebold Self-Service Systems (Diebold Nixdorf, Incorporated)
• Inventors: Ramachandran, Natarajan, Smith, Mark D., Drummond, Jay Paul
• Primary Examiner(s): Labaze, Edwyn
• Application Number:
  US12/931,065
• Publication Number:
  US 20110119185A1
• Time in Patent Office: 260 Days
• Field of Search: 235/379, 235/382, 235/376, 235/380, 235/382.5, 235/472.01, 705/5, 705/30, 705/35, 705/42, 705/43
• US Class Current: 235/379
• CPC Class Codes: G06K 19/08 using markings of different kinds or more than one marking of the same kind in the same record carrier, e.g. one marking being sensed by optical and the other by magnetic means
• CPC Class Codes: G06K 7/0004 Hybrid readers
• 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 20/3223 Realising banking transactions through M-devices
• CPC Class Codes: G06Q 20/326 Payment applications installed on the mobile devices
• CPC Class Codes: G06Q 20/327 Short range or proximity payments by means of M-devices
• CPC Class Codes: G06Q 20/341 Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
• 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 19/203 Dispensing operations within ATMs dispensing in general G07D11/00
• CPC Class Codes: G07F 19/211 Software architecture within ATMs or in relation to the ATM network
• CPC Class Codes: G07F 7/0886 the card reader being portable for interacting with a POS or ECR in realizing a payment transaction
• CPC Class Codes: G07F 7/1008 Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system

Abstract

An automated banking machine system operates to cause financial transfers responsive to data read from data bearing records. The system is operative to read a financial card bearing account indicia with a card reader. A user is enabled to perform at least one banking operation responsive to account indicia read from the card. Such banking operations may include dispensing cash and accessing financial accounts. While a user operates the system to dispense cash or perform other banking operations, the system may further permit at least one portable wireless device to wirelessly access the system to conduct transactions.

Claims

1. Apparatus comprising:

at least one computer associated with an automated banking machine that is operative to cause financial transfers responsive at least in part to read data,

wherein the machine includes at least one reader,

wherein the at least one reader is operative to read customer data usable to identify at least one of a customer of the machine and a financial account,

wherein the machine includes a cash dispenser operative to dispense cash from the machine,

wherein the machine includes at least one wireless network port,

wherein the at least one computer is configured to cause the machine to make an interface application available through the at least one wireless network port to mobile phones of machine customers,

wherein the interface application allows a plurality of interface display screens to be respectively viewed through a display of a mobile phone having the interface application thereon,

wherein the interface application causes the at least one reader to read information wirelessly communicated from the mobile phone, responsive at least in part to user input provided to at least one of the interface display screens by a phone user,

 

wherein the interface display screens allow the phone user to wirelessly communicate to the at least one reader, financial account information,

 

wherein the interface display screens allow the phone user to wirelessly communicate to the at least one reader, a selection from a plurality of selectable machine transactions,

 

wherein the plurality of selectable transactions include a cash withdrawal transaction,

 

wherein the interface display screens allow the phone user to wirelessly communicate to the at least one reader, a requested amount of cash,

 

wherein the interface application causes the machine to operate the cash dispenser to dispense cash corresponding to the requested amount of cash, responsive at least in part to phone user input to the at least one interface display screen of each of

 

the financial account information,

 

the selection of a cash withdrawal transaction, and

 

the requested amount of cash.

2. The apparatus according to claim 1 wherein the automated banking machine is part of a banking system,

wherein the machine includes the at least one computer,

wherein the at least one reader includes both

at least one card reader, and

at least one biometric reader,

wherein the at least one computer is operative during a user transaction session with the machine to

cause card data to be read from a card through operation of the at least one card reader, and then cause the read card data to be compared with card information stored in at least one data store, and

cause biometric data to be read through operation of the at least one biometric reader, and then cause the read biometric data to be compared with biometric information in the at least one data store,

wherein the at least one computer is operative to authorize the user to request a financial transaction involving the cash dispenser responsive at least in part to both

computer-determined correspondence between the read card data and stored card information, and

computer-determined correspondence between the read biometric data and stored biometric information,

wherein the at least one computer is operative to cause data corresponding to at least a portion of read card data to be sent in at least one first message to at least one remote computer remotely located from the machine,

wherein the at least one computer is operative to allow cash to be dispensed from the machine responsive at least in part to receipt by the at least one computer of at least one second message from the at least one remote computer.

3. The apparatus according to claim 1 wherein the at least one computer is configured initiate a transaction session with a customer responsive to the machine receiving initial communication from a mobile phone operated by the customer.

4. The apparatus according to claim 1 wherein the at least one computer is configured to cause the machine to make available an interface application comprising a plurality of interface display screens which include each of a transaction selection input screen, an account input screen, and a cash amount input screen,

wherein the transaction selection input screen allows the phone user to wirelessly communicate a transaction selection to the at least one reader,

wherein the account input screen allows the phone user to wirelessly communicate financial account information to the at least one reader,

wherein requested amount of cash input screen allows the phone user to wirelessly communicate a requested amount of cash to the at least one reader.

5. The apparatus according to claim 4

wherein the interface display screens include a personal identification number (PIN) input screen,

wherein the PIN input screen allows the phone user to wirelessly communicate a PIN to the at least one reader,

wherein the at least one computer is configured to cause the machine to make available an interface application that causes the machine to operate the cash dispenser to dispense cash corresponding to a requested amount of cash, responsive at least in part to phone user input to the at least one interface display screen of each of a PIN, financial account information, a selection of a cash withdrawal transaction, and the requested amount of cash.

6. The apparatus according to claim 1

wherein the automated banking machine includes a user interface,

wherein the user interface includes a display device,

wherein the at least one computer is configured to cause the machine to present at least some of the interface display screens through the display device.

7. The apparatus according to claim 1

wherein the automated banking machine includes a user interface,

wherein the user interface includes at least one input device,

wherein the machine is operative to receive input corresponding to

the financial account information, the cash withdrawal transaction selection, and the requested amount of cash,

through both the interface application and the at least one input device.

8. The apparatus according to claim 1 wherein the at least one computer is configured to cause the machine to make the interface application available to mobile phones of customers authorized to use the machine to carry out transactions.

9. The apparatus according to claim 1 wherein the at least one wireless network port includes an RF interface, wherein the at least one reader is operative to read phone input information wirelessly communicated to the RF interface.

10. The apparatus according to claim 1 wherein the at least one wireless network port includes an IR interface, wherein the at least one reader is operative to read phone input information wirelessly communicated to the IR interface.

11. The apparatus according to claim 1 wherein the automated banking machine includes the at least one computer.

12. A method comprising:

(a) operating at least one computer associated with an automated banking machine that is operative to cause financial transfers responsive at least in part to read data, to cause the machine to make an interface application available to mobile phones of machine customers,

wherein the machine includes at least one reader,

wherein the at least one reader is operative to read customer data usable to identify at least one of a customer of the machine and a financial account,

wherein the machine includes a cash dispenser operative to dispense cash from the machine,

wherein the machine includes at least one wireless network port,

wherein the at least one computer is configured to cause the machine to make the interface application available through the at least one wireless network port,

wherein the interface application allows a plurality of interface display screens to be respectively viewed through a display of a mobile phone having the interface application thereon,

wherein the interface application causes the at least one reader to read information wirelessly communicated from the mobile phone, responsive at least in part to user input provided to at least one of the interface display screens by a phone user,

wherein the interface display screens allow the phone user to wirelessly communicate to the at least one reader, financial account information,

wherein the interface display screens allow the phone user to wirelessly communicate to the at least one reader, a selection from a plurality of selectable machine transactions,

 

wherein the plurality of selectable transactions include a cash withdrawal transaction,

wherein the interface display screens allow the phone user to wirelessly communicate to the at least one reader, a requested amount of cash,

wherein the interface application causes the machine to operate the cash dispenser to dispense cash corresponding to the requested amount of cash, responsive at least in part to phone user input to the at least one interface display screen of each of

the financial account information,

the selection of a cash withdrawal transaction, and

the requested amount of cash;

(b) operating the at least one computer to cause the at least one reader to read

financial account information, a cash withdrawal transaction selection, and a requested amount of cash,

communicated from phone responsive to user input to the interface application; and

(c) operating the at least one computer to cause the cash dispenser to dispense cash corresponding to the requested amount of cash, responsive to the reading in (b).

13. The method according to claim 12 wherein in (a)-(c) the automated banking machine includes the at least one computer.

14. The method according to claim 12

wherein the automated banking machine includes a user interface,

wherein the user interface includes a display device,

wherein the at least one computer is configured to cause the machine to present at least some of the interface display screens through the display device,

and further comprising:

(d) operating the at least one computer to cause the machine to present at least one of the interface display screens through the display device.

15. The method according to claim 12

wherein the automated banking machine includes a user interface,

wherein the user interface includes at least one input device,

wherein the machine is operative to receive input corresponding to

the financial account information, the cash withdrawal transaction selection, and the requested amount of cash,

through both the interface application and the at least one input device,

and further comprising:

(d) operating the at least one computer to cause the machine to receive input corresponding to

financial account information, a cash withdrawal transaction selection, and a requested amount of cash,

through the at least one input device.

16. The method according to claim 12 wherein (a) includes operating the at least one computer to cause the machine to make the interface application available to mobile phones of customers authorized to use the machine to carry out transactions.

17. Apparatus comprising:

at least one computer associated with an automated transaction machine that is operative to cause financial transfers responsive at least in part to read data,

wherein the machine includes at least one reader,

wherein the at least one reader is operative to read customer data usable to identify at least one of a customer of the machine and a financial account,

wherein the machine includes at least one wireless network port which allows the machine to wirelessly communicate with mobile phones of machine customers,

wherein the at least one computer is configured to cause the machine to make a transaction interface application available through the at least one wireless network port to the mobile phones,

wherein the transaction interface application allows a plurality of interface display screens to be respectively viewed through a display of a mobile phone having the transaction interface application thereon,

wherein the plurality of interface display screens include each of at least a personal identification number (PIN) input screen, a financial account information input screen, and a transaction selection input screen,

wherein the transaction interface application causes the at least one reader to read information wirelessly communicated from the mobile phone, responsive at least in part to phone user input to the interface display screens by a phone user,

wherein the transaction interface application causes the at least one reader to read a PIN inputted to the PIN input screen,

wherein the transaction interface application causes the at least one reader to read financial account information inputted to the financial account information input screen,

wherein the transaction interface application causes the at least one reader to read a transaction selection inputted to the transaction selection input screen,

wherein the at least one computer is configured to cause the machine to carry out a phone user selected transaction responsive at least in part to the at least one reader reading the PIN, the financial account information, and the transaction selection.

18. The apparatus according to claim 17

wherein the machine includes a cash dispenser operative to dispense cash from the machine,

wherein the transaction selection input screen allows a phone user to select a cash withdrawal transaction,

wherein the transaction interface application causes the at least one reader to read a cash withdrawal transaction selection inputted to the transaction selection input screen,

wherein the plurality of interface display screens include a requested amount of cash input screen,

wherein the transaction interface application causes the at least one reader to read a requested amount of cash inputted to the requested amount of cash input screen,

wherein the at least one computer is configured to cause the machine to operate the cash dispenser to dispense cash corresponding to the requested amount of cash responsive at least in part to the at least one reader reading the PIN, the financial account information, the cash withdrawal transaction selection, and the requested amount of cash.

19. The apparatus according to claim 17

wherein the automated transaction machine includes a user interface,

wherein the user interface includes a machine display device,

wherein the at least one computer is configured to cause the display device to output available user selections,

wherein the user interface includes at least one user input device,

wherein the at least one user input device is operative to receive user input corresponding to a user selection from the available user selections output through the display device,

wherein the transaction interface application allows the phone user to cause the machine to carry out the phone user selected transaction without using the display device or the at least one user input device.

20. The apparatus according to claim 17

wherein the automated banking machine includes a user interface,

wherein the user interface includes a display device,

wherein the at least one computer is configured to cause the machine to present at least some of the plurality of interface display screens through the display device,

wherein the user interface includes at least one input device,

wherein the machine is operative to receive input corresponding to

a PIN, financial account information, and a transaction selection,

through both of the transaction interface application and the at least one input device,

wherein the at least one computer is configured to cause the machine to carry out a same transaction responsive at least in part to user input to either of the mobile phone and the at least one input device.