Automated banking system controlled responsive to data bearing records

• US 8,052,042 B2
• Filed: 06/10/2008
• Issued: 11/08/2011
• 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., Blackson, Dale H., Kolinski-Schultz, David E.
• Primary Examiner(s): Kim, Ahshik
• Application Number:
  US12/157,440
• Publication Number:
  US 20090302103A1
• Time in Patent Office: 1,246 Days
• Field of Search: 235/379, 235/380
• US Class Current: 235/379
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/123 Shopping for digital content
• CPC Class Codes: G06Q 20/18 involving self-service terminals [SST], vending machines, kiosks or multimedia terminals
• 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 19/20 Automatic teller machines [ATMs]
• CPC Class Codes: G07F 19/211 Software architecture within ATMs or in relation to the ATM network
• 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

A system controlled responsive to data bearing records includes a card reader that is operative to read card data from user cards including financial account data, and causes operation of an automated banking machine to carry out financial transactions responsive to the account data. The automated banking machine is operative to access at least one network. The automated banking machine is operative to enable a user thereof to make payments for purchases of goods or services to be delivered remote from the machine and to receive from the user a cash payment for the purchases through a cash acceptor. The automated banking machine includes a printer that provides receipts for transactions conducted through the machine.

Claims

1. Apparatus comprising:

an automated banking machine operative responsive to data read from data bearing records, wherein the automated banking machine includes;

a card reader, where the card reader is operative to read card data from user cards, wherein the card data corresponds to financial accounts;

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

a cash acceptor, wherein the cash acceptor is operative to receive cash into the machine and to evaluate genuineness of the received cash,

at least one user input device, wherein the at least one user input device is operative to receive user inputs corresponding to goods orders,

at least one computer, wherein the at least one computer is in operative connection with the card reader, the cash dispenser, the cash acceptor and the at least one user input device,

wherein the at least one computer is operative responsive to first card data read from a first user card, to cause the cash dispenser to dispense cash from the automated banking machine and to cause an amount corresponding to the dispensed cash to be assessed to a first financial account associated with the first card data,

and wherein the at least one computer is operative responsive to at least one input through the at least one user input device corresponding to a user goods order, wherein the user goods order corresponds to goods or services deliverable at a location remote form the automated banking machine, to cause a value associated with received cash received by the machine through operation of the cash acceptor, to be allocated to payment for the user goods order.

2. The apparatus according to claim 1 wherein the automated banking machine includes at least one data store in operative connection with the at least one computer, wherein the at least one data store includes data corresponding to a non-cash account associated with an entity other than users who input cash to the cash acceptor of the automated banking machine, and wherein the at least one computer is operative to cause the non-cash account to be charged a price associated with the user goods order.

3. The apparatus according to claim 1 wherein the automated banking machine further comprises a printer in operative connection with the at least one computer, and wherein the at least one computer is operative to cause the printer to print a receipt corresponding to the user goods order.

4. The apparatus according to claim 1 wherein the cash acceptor includes a cash valuation device, wherein the cash valuation device is operative to determine denomination of bills received by the cash acceptor, and wherein the at least one computer is operative to cause the machine to compare a value of cash accepted through operation of the cash acceptor and a charge amount associated with the user goods order.

5. The apparatus according to claim 4 wherein responsive at least in part to the machine determining that the value is at least as great as the charge amount, the computer is operative to cause the user goods order to be transmitted.

6. The apparatus according to claim 1 wherein the automated banking machine further comprises a display screen in operative connection with the at least one computer, and wherein the at least one computer is operative to cause to be presented to a user via the display screen a plurality of order payment options.

7. The apparatus according to claim 6 wherein one of the plurality of order payment options corresponds to a cash payment option at the banking machine.

8. The apparatus according to claim 7 wherein the automated banking machine is operative to receive at least one payment selection input corresponding to the cash payment option, and wherein the at least one computer is operative to enable the cash acceptor to accept cash responsive at least in part to receiving the at least one payment selection input corresponding to the cash payment option.

9. The apparatus according to claim 1 wherein the at least one computer is operative to cause the automated banking machine to transmit data corresponding to a delivery address in association with the user goods order.

10. The apparatus according to claim 1 wherein the automated banking machine further includes at least one output device, wherein the at least one output device is in operative connection with the at least one computer, and wherein the at least one computer is operative to cause the at least one output device to output indicia corresponding to a cash payment option and an account payment option.

11. The apparatus according to claim 10 wherein the at least one computer is operative responsive at least in part to receipt of at least one input through the at least one user input device corresponding to selection of the account payment option, to cause the user goods order to be transmitted and to cause a price associated with the user goods order to be assessed to a further financial account corresponding to card data read from a user card through operation of the at least one reader.

12. The apparatus according to claim 10 wherein the at least one computer is operative responsive at least in part to receipt of at least one input through the at least one user input device corresponding to selection of the cash payment option, to enable the cash acceptor to operate to accept cash.

13. The apparatus according to claim 12 wherein the at least one computer is operative to cause the machine to transmit via a network in operative connection with the machine, at least one message causing at least one item corresponding to the user goods order to be delivered to the location, responsive at least in part to the value being at least as great as a price associated with the at least one item.

14. The apparatus according to claim 13 wherein the at least one computer is operative to calculate the price.

15. The apparatus according to claim 14 wherein the at least one computer is operative to calculate the price by including a service charge therein.

16. The apparatus according to claim 13 wherein the at least one computer is operative to cause the cash dispenser to operate to dispense a change amount, wherein the change amount corresponds to an amount by which the value exceeds the price.

17. The apparatus according to claim 13 wherein the at least one computer is operative to cause the price to be assessed against an account associated with an entity other than a user providing cash received by the cash accepting device.

18. The apparatus according to claim 1 wherein the automated banking machine further includes a check acceptor, wherein the check acceptor is in operative connection with the at least one computer, and wherein the at least one computer is operative to cause the machine to transmit a further goods order via at least one network in operative connection with the banking machine, and to allocate a further value associated with a check received by the check acceptor toward payment for the further goods order.

19. Apparatus comprising:

an automated banking machine including;

at least one reader operable to read user data associated with financial accounts,

a cash dispenser operable to dispense cash from the machine,

a cash acceptor operable to receive cash into the machine and to evaluate genuineness of cash, and

at least one user input device operable to receive user inputs corresponding to goods orders;

at least one computer,

wherein the at least one computer is in operative connection with the at least one reader, the cash dispenser, the cash acceptor, and the at least one user input device,

wherein the at least one computer is operable responsive at least in part to first user data read by the at least one reader,

to cause the cash dispenser to dispense cash from the machine, and

to cause an amount corresponding to the dispensed cash to be assessed to a first financial account associated with the first user data,

wherein the at least one computer is operable responsive at least in part to at least one input through the at least one user input device corresponding to a user goods order

that corresponds to at least one of goods or services deliverable at a location remote form the machine,

to cause a value associated with cash received by the machine through operation of the cash acceptor, to be

allocated to payment for the user goods order, and

credited to a second financial account.

20. The apparatus according to claim 19 wherein the at least one computer is operative to cause the second financial account to be debited a charge amount associated with the user goods order.

21. The apparatus according to claim 20 wherein the at least one computer is operative to cause the second financial account to be established, and to associate the second financial account with the at least one input.

22. The apparatus according to claim 19 wherein the value is less than a charge amount associated with the user goods order, and wherein the automated banking machine further comprises at least one data store in operative connection with the at least one computer, and wherein the at least one computer is operative to cause to be stored in the at least one data store, data representative that the value has been paid toward the charge amount.

23. The apparatus according to claim 22 and wherein the automated banking machine further comprises a printer, wherein the printer is in operative connection with the at least one computer, and wherein the at least one computer is operative to cause the printer to print a record indicating that the user has paid the value toward the charge amount.

24. The apparatus according to claim 22 wherein the at least one computer is operative to cause to be stored in the at least one data store, data corresponding to a total value corresponding to the value plus a further value associated with cash received through operation of the cash acceptor from the user during a subsequent transaction session in which the at least one input is provided through the at least one user input device, and wherein the subsequent transaction session is subsequent to an initial transaction session in which the value is received, and between which initial and subsequent sessions the automated banking machine is operated by a plurality of users.

25. The apparatus according to claim 24 wherein the at least one computer is operative to cause the automated banking machine to send at least one message via a network in operative connection with the automated banking machine indicative that payment for such user goods order has been received responsive at least in part to the total value being at least as great as the charge amount.

26. The apparatus according to claim 21 wherein the at least one computer is operative to cause the automated banking machine to transmit at least one message via a network in operative connection with the automated banking machine, wherein the at least one message is operative to cause at least one item corresponding to the user goods order to be provided, and to cause the second financial account to be debited an amount corresponding to a price associated with the at least one provided item.

27. The apparatus according to claim 26 wherein the at least one computer is operative to cause the second financial account to be closed in association with debiting the account.

28. The apparatus according to claim 27 wherein the automated banking machine further includes computer executable instructions comprising a browser operative in the at least one computer, wherein the browser is operative responsive at least in part to at least one input through the at least one user input device to cause the user goods order to be placed through a web site.

29. The apparatus according to claim 26 wherein the at least one computer is operative responsive at least in part to at least one input to the at least one user input device to cause the cash dispenser to operate to dispense further cash and to cause a further value associated with the further cash to be assessed against the second financial account.

30. Apparatus comprising:

an automated banking machine operated responsive to data read from data bearing records including;

at least one input device, wherein the at least one input device includes a card reader, wherein the card reader is operative to read data from user cards that corresponds to financial accounts,

at least one output device,

a cash acceptor,

a cash dispenser,

at least one data store,

at least one computer in operative connection with each of the at least one input device, the at least one output device, the cash acceptor, the cash dispenser, and the at least one data store,

wherein the at least one computer is operative to cause the machine to receive cash from a user through operation of the cash acceptor, allocate value associated with the received cash towards an order placed by the user, wherein the order has an associated price and corresponds to at least one item available remotely from the machine, and to transmit at least one message from the machine, wherein the at least one message is operative to cause the at least one item to be made available to the user remotely from the machine responsive to the allocated value being at least as great as the price.

31. The apparatus according to claim 30 wherein the at least one computer is operative to cause the machine to receive the order from the user through at least one input through the at least one input device, and to cause the machine to dispatch at least one message to at least one remote computer.

32. The apparatus according to claim 30 wherein the at least one computer is operative to cause the cash dispenser to dispense cash having a cash value, and to cause the cash value to be assessed to an account associated with card data read from a card of the user through operation of the card reader.

33. The apparatus according to claim 30 and wherein the machine further includes a check acceptor in operative connection with the at least one computer, wherein the computer is operative to enable the check acceptor to receive a check from a user, and to allocate further value associated with the received check towards the associated price for the at least one item.

34. The apparatus according to claim 30 wherein the automated banking machine further includes a printer, wherein the at least one computer is operative to cause the printer to print a receipt corresponding to the allocated value and the order.

35. Apparatus comprising:

an automated banking machine including;

at least one input device,

wherein the at least one input device includes at least one reader operable to read user data associated with financial accounts,

at least one output device,

a cash acceptor, and

a cash dispenser;

at least one data store;

at least one computer in operative connection with the at least one input device, the at least one output device, the cash acceptor, the cash dispenser, and the at least one data store,

wherein the at least one computer is operable to cause the machine

to receive first cash from a user through operation of the cash acceptor,

to allocate value associated with the received first cash towards an order placed by the user, wherein the order has an associated price and corresponds to at least one item available remotely from the machine,

to cause data to be stored in the at least one data store corresponding to the allocated value,

to increase the allocated value responsive at least in part to additional cash received from the user through the cash acceptor during additional separate, spaced in time transaction sessions conducted by the user at the machine, wherein other users are able to conduct transactions with the machine between the additional transaction sessions,

to transmit at least one message from the machine,

wherein the at least one message causes the at least one item to be made available to the user remotely from the machine, responsive at least in part to the increased allocated value being at least as great as the price.

36. The apparatus according to claim 35 wherein the at least one computer is operative to enable the at least one input device to receive data associated with a user, and wherein the at least one computer is operative to cause to be stored in the at least one data store, data associated with the user in connection with the allocated value.

37. The apparatus according to claim 36 wherein the at least one reader includes a card reader, wherein the data associated with the user comprises data read from a card associated with the user through operation of the card reader.

38. The apparatus according to claim 36 wherein the at least one reader comprises a biometric reader, and wherein the data associated with the user comprises data corresponding to at least one biometric feature of the user.