Automated banking machine that operates responsive to data bearing records

• US 8,042,733 B2
• Filed: 04/26/2010
• Issued: 10/25/2011
• Est. Priority Date: 11/27/1996
• Status: Expired due to Term

• Current Assignee: Diebold Nixdorf, Incorporated
• Original Assignee: Diebold Incorporated (Diebold Nixdorf, Incorporated)
• Inventors: Somers, Charles H. Jr., Drummond, Jay Paul, Smith, Mark D., Putman, Harold V., Couper, Denise
• Primary Examiner(s): Mai; Thien
• Application Number:
  US12/799,501
• Publication Number:
  US 20100230486A1
• Time in Patent Office: 547 Days
• Field of Search: 235/379, 235/380, 235/375, 705/43, 705/16, 709/221, 709/228
• US Class Current: 235/379
• CPC Class Codes: G06Q 20/1085 involving automatic teller machines [ATMs]
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03
• CPC Class Codes: G07F 19/00 Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines data processing equipment for bank accounting G06Q40/02
• CPC Class Codes: G07F 19/20 Automatic teller machines [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

Abstract

An automated banking machine controlled responsive to data bearing records includes a card reader that can read identifying data from user cards. User operation of the automated banking machine is authorized responsive to the identifying data read by the card reader. The automated banking machine is allowed temporary usage of a machine application that enables the machine to perform an authorized banking transaction requiring operation of the card reader.

Claims

1. A method comprising:

(a) providing at least one automated banking machine transaction-controlling application on at least one server,

wherein the at least one application includes instructions executable by at least one machine-controlling computer associated with a banking system automated banking machine that includes a cash dispenser and at least one reader, to control the machine in carrying out transaction steps which include;

(i) operating the at least one reader to read user data corresponding to a financial account associated with a user of the machine;

(ii) operating the cash dispenser to dispense cash from the machine to the user; and

(iii) causing the financial account to be assessed an amount corresponding to a value associated with the dispensed cash;

(b) operatively connecting the at least one server and the at least one machine-controlling computer,

wherein the operative connection enables the at least one machine-controlling computer to access the at least one application from the at least one server in exchange for an access rights payment to an entity associated with the at least one server,

wherein the at least one application when accessed by the at least one machine-controlling computer controls the machine,

only during a temporary basis, a duration of which corresponds to the payment,

in carrying out steps (i)-(iii) for a plurality of users of the machine;

(c) receiving the access rights payment, wherein the at least one machine-controlling computer has a right to access the at least one application from the at least one server; and

(d) subsequent to (c), receiving an access usage payment in exchange for the at least one machine-controlling computer accessing the at least one application from the at least one server during an exercising of the right paid for in (c), wherein the access usage payment differs from the access rights payment.

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

wherein (ai) includes both

operating the card reader to read user card data, and

operating the biometric reader to read user biometric data.

3. The method according to claim 1 wherein the at least one application when accessed by the at least one machine-controlling computer causes the machine to carry out steps (i)-(iii).

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

(e) subsequent to the temporary basis, operatively disconnecting the at least one server and the at least one machine-controlling computer.

5. A method comprising:

(a) operating at least one server to allow at least one machine-controlling computer associated with a plurality of automated banking machines to temporary access a first software application on the at least one server,

wherein the at least one server is affiliated with an entity able to provide rights to temporary access the first software application in exchange for an access rights payment,

wherein the plurality of automated banking machines include a first machine which includes at least one reader and a cash dispenser,

wherein the first machine is affiliated with an administrator entity, wherein the first software application includes instructions executable by at least one machine-controlling computer to control the first machine in;

(i) operating the at least one reader to read user data corresponding to a financial account associated with a user of the first machine;

(ii) operating the cash dispenser to dispense cash from the first machine to the user; and

(iii) causing the financial account to be assessed an amount corresponding to a value associated with the dispensed cash;

(b) assessing by a service entity affiliated with the at least one server, a service fee to the administrator entity responsive at least in part to the at least one machine-controlling computer accessing the first software application from the at least one server;

wherein the assessing of step (b) is repeated each time the at least one machine-controlling computer accesses the first software application,

(c) repeating step (b).

9. The method according to claim 5 wherein in (a) the first application includes computer executable instructions operative to control the first machine in each of (i), (ii), and (iii).

10. The method according to claim 5 wherein in (a) the first application includes computer executable instructions operative to control the first machine in only one of (i), (ii), and (iii).

11. The method according to claim 5 wherein in (a) the temporary access is for predetermined temporary time period, and further comprising:

(d) subsequent to the predetermined temporary time period, operating the at least one server to disallow the at least one machine-controlling computer from accessing the first software application from the at least one server.

6. A method comprising:

(a) operating at least one server to allow at least one machine-controlling computer associated with a plurality of automated banking machines to temporary access at least one software application from the at least one server,

wherein the plurality of automated banking machines include a first machine which includes at least one reader and a cash dispenser,

wherein the first machine is affiliated with an administrator entity

wherein the at least one software application includes instructions executable by the at least one machine-controlling computer to control the first machine in at least one of;

(i) operating the at least one reader to read user data corresponding to a financial account associated with a user of the first machine;

(ii) operating the cash dispenser to dispense cash from the first machine to the user; and

(iii) causing a financial account to be assessed an amount corresponding to a value associated with cash dispensed;

(b) assessing by a service entity affiliated with the at least one server, a service fee to the administrator entity responsive at least in part to the at least one machine-controlling computer accessing the at least one software application from the at least one server;

(c) assessing by the service entity, an access fee to the administrator entity,

wherein the access fee grants to the at least one machine-controlling computer, permission to access the at least one software application during a predetermined temporary time period;

wherein the allowing of the at least one machine-controlling computer to temporary access the at least one software application in step (a) is responsive at least in part to step (c).

7. The method according to claim 6 wherein in (a) the at least one software application includes computer executable instructions operative to control the first machine in each of (i), (ii), and (iii).

8. The method according to claim 6 and further comprising:

(d) subsequent to the predetermined temporary time period, operating the at least one server to disallow the at least one machine-controlling computer from accessing the at least one software application from the at least one server.