Card activated cash dispensing automated banking machine system and method

• US 8,052,050 B2
• Filed: 01/21/2011
• Issued: 11/08/2011
• Est. Priority Date: 04/17/1998
• Status: Expired due to Fees

• Current Assignee: Diebold Nixdorf, Incorporated
• Original Assignee: Diebold Incorporated (Diebold Nixdorf, Incorporated)
• Inventors: Ramachandran, Natarajan, Smith, Mark D., Drummond, Jay Paul
• Primary Examiner(s): Labaze, Edwyn
• Application Number:
  US12/931,004
• Publication Number:
  US 20110121070A1
• Time in Patent Office: 291 Days
• Field of Search: 235/379, 235/382, 235/376, 235/380, 235/382.5, 235/472.01, 235/472, 705/5, 705/30, 705/35, 705/42
• 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. Computer readable media bearing non-transitory computer executable instructions operative to cause at least one processor in a portable wireless device in wireless communication with an automated banking machine that operates to cause financial transfers responsive at least in part to data read from data bearing records, to cause the portable wireless device to carry out a method,

wherein the automated banking machine includes a card reader and a cash dispenser,

wherein the automated banking machine reads card data corresponding to financial accounts from user cards with the card reader,

wherein the computer executable instructions are included in a terminal client application,

wherein the method comprises:

a) through operation of the at least one processor, executing the terminal client application;

b) through operation of the at least one processor responsive at least in part to the terminal client application, causing an output device of the portable wireless device to visually prompt a user to input a personal identification number (PIN) through operation of an input device of the portable wireless device;

c) through operation of the at least one processor, responsive at least in part to the terminal client application and an input of the PIN through operation of the input device of the portable wireless device, causing the portable wireless device to wirelessly cause the automated banking machine to read a financial account number from the portable wireless device.

2. The media according to claim 1, wherein during (a) through (c) the terminal client application operates in a virtual machine of the portable wireless device.

3. The media according to claim 1, wherein (c) includes carrying out a handshaking protocol between the portable wireless device and the automated banking machine in which a digital certificate received from the automated banking machine is authenticated through operation of the at least one processor.

4. The media according to claim 1, further comprising

d) through operation of the at least one processor, causing the output device of the portable wireless device to operate to visually prompt the user to move adjacent to the automated banking machine.

5. The media according to claim 1, wherein (c) includes causing the portable wireless device to wirelessly communicate with the automated banking machine using a radio frequency wireless communication.

6. The media according to claim 1, wherein (c) includes causing the portable wireless device to wirelessly communicate with the automated banking machine using a wireless Ethernet communication.

7. The media according to claim 1, wherein (c) includes causing the portable wireless device to wirelessly communicate with the automated banking machine using a Bluetooth communication.

8. The media according to claim 1, wherein in (a) through (c), the portable wireless device is a mobile phone.

9. At least one article of computer readable media bearing computer executable instructions operative to cause at least one processor in a mobile phone to cause the mobile phone to carry out a method in conjunction with a cash dispensing automated banking machine that can operate to cause financial transfers responsive at least in part to data read from data bearing records, the method comprising:

a) through operation of the at least one processor, executing a terminal client application that includes the computer executable instructions;

b) through operation of the at least one processor responsive at least in part to the terminal client application, causing an output device of the mobile phone to prompt a user to input a personal identification number (PIN) through operation of an input device of the mobile phone;

c) through operation of the at least one processor, responsive at least in part to the terminal client application and an input of the PIN through operation of the input device of the mobile phone, causing the mobile phone to wirelessly cause the automated banking machine to read a financial account number from the mobile phone.

10. The article according to claim 9, wherein the output device corresponds to a display device of the mobile phone.

11. The article according to claim 10, wherein (b) includes causing through operation of the at least one processor responsive at least in part to the terminal client application, the display device to output a user interface screen.

12. The article according to claim 11, wherein during (a) through (c) the terminal client application operates in a virtual machine of the mobile phone.

13. The article according to claim 12, wherein the terminal client application is adapted to be downloaded to the mobile phone.

14. The article according to claim 13, wherein (a) includes carrying out a handshaking protocol between the portable wireless device and the automated banking machine in which a digital certificate received from the automated banking machine is authenticated through operation of the at least one processor.

15. The article according to claim 13, further comprising

d) through operation of the at least one processor, causing the display device of the mobile phone to operate to visually prompt the user to move adjacent to the automated banking machine.

16. The article according to claim 9, wherein (c) includes causing the mobile phone to wirelessly communicate with the automated banking machine using at least one of a radio frequency wireless communication, a wireless Ethernet communication, and a Bluetooth communication.

17. At least one article of computer readable media bearing non-transitory computer executable instructions operative to cause at least one processor in a mobile phone to cause the mobile phone to carry out a method that involves a cash dispensing automated banking machine that can operate to cause financial transfers responsive at least in part to data read from data bearing records, wherein the non-transitory computer executable instructions include a terminal client application,

the method comprising:

a) through operation of the at least one processor in the mobile phone responsive at least in part to the terminal client application, causing an output device of the mobile phone to prompt a user to input a password through operation of an input device of the mobile phone;

b) through operation of the at least one processor in the mobile phone responsive at least in part to the terminal client application and the password input through operation of the input device of the mobile phone, causing the automated banking machine to receive data representative of a financial account number from the mobile phone.

18. The article according to claim 17, wherein (b) includes causing the mobile phone to wirelessly communicate with the automated banking machine using at least one of a radio frequency wireless communication, a wireless Ethernet communication, and a Bluetooth communication.