Banking terminal that operates to cause financial transfers responsive to data bearing records

• US 8,070,055 B2
• Filed: 04/27/2009
• Issued: 12/06/2011
• Est. Priority Date: 04/17/1998
• Status: Expired due to Fees

• Current Assignee: Diebold Nixdorf, Incorporated
• Original Assignee: Diebold Self-Service Systems (Diebold Nixdorf, Incorporated)
• Inventors: Ramachandran, Natarajan, Block, James, Steinbach, Klaus, Motz, Raymond P., Hill, Jeffrey A., Modi, Ashok
• Primary Examiner(s): Frech, Karl D.
• Application Number:
  US12/387,149
• Publication Number:
  US 20090289105A1
• Time in Patent Office: 953 Days
• Field of Search: 235/462.44, 235/462.45, 235/472.01, 235/472.02, 235/472.03, 235/379, 235/380
• US Class Current: 235/380
• 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: G06Q 20/18 involving self-service terminals [SST], vending machines, kiosks or multimedia terminals
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/325 using wireless networks
• CPC Class Codes: G06Q 20/327 Short range or proximity payments by means of M-devices
• CPC Class Codes: G06Q 20/3276 using a pictured code, e.g. barcode or QR-code, being read by the M-device
• CPC Class Codes: G06Q 20/4014 Identity check for transactions
• CPC Class Codes: G07F 19/20 Automatic teller machines [ATMs]
• CPC Class Codes: G07F 19/205 Housing aspects of ATMs
• CPC Class Codes: G07G 1/0045 with a code reader for reading of an identifying code of the article to be registered, e.g. barcode reader or radio-frequency identity [RFID] reader
• CPC Class Codes: G07G 1/0081 the reader being a portable scanner or data reader G07G1/009 takes precedence

Abstract

A portable terminal operates to cause financial transfers responsive to data read from data bearing records in the form of user cards. The user cards include credit and/or debit cards. Data corresponding to the card data is stored in at least one memory of the terminal. The terminal includes a wireless communication device. The terminal operates to wirelessly communicate data corresponding to card data wirelessly to one or more remote computers to cause financial transfers to or from selected accounts. The terminal also operates to provide outputs corresponding to account balances and to receive data corresponding to receipts.

Claims

1. Apparatus comprising:

a portable handheld terminal, including;

a card reader, wherein the card reader is operative to read card data from at least one of a debit and a credit card, wherein the card data corresponds to a financial account;

at least one processor, wherein the at least one processor is in operative connection with the card reader;

at least one memory, wherein the at least one memory is in operative connection with the at least one processor, wherein the at least one processor is operative to cause data corresponding to the card data to be stored in the at least one memory;

at least one manual input device, wherein the at least one manual input device is operative to receive at least one identifying input from a terminal user, wherein the at least one identifying input has a predetermined relationship with the card data;

a wireless communication device, wherein the wireless communication device is in operative connection with the at least one processor;

wherein the at least one processor is operative to cause the wireless communication device to wirelessly communicate with at least one remote computer, wherein the communication includes sending data corresponding to at least a portion of the card data and at least a portion of the at least one identifying input to the at least one remote computer, and wherein the at least one communication is operative to cause a transfer of funds at least one of to and from the financial account.

2. The apparatus according to claim 1 wherein the terminal further includes:

a display, wherein the display is in operative connection with the at least one processor, and wherein the display is operative responsive to the at least one processor to output indicia corresponding to at least one account balance.

3. Apparatus comprising:

a portable handheld terminal including;

at least one memory, wherein the at least one memory includes data corresponding to card data, wherein the card data corresponds to at least one financial account;

at least one processor, wherein the at least one processor is in operative connection with the at least one memory;

at least one manual input device, wherein the at least one manual input device is in operative connection with the at least one processor;

a wireless communication device, wherein the wireless communication device is in operative connection with the at least one processor;

wherein the at least one processor is operative responsive to at least one input through the at least one manual input device to cause the terminal to communicate with at least one remote computer through operation of the wireless communication device, wherein the communication is operative to cause a financial transfer involving the at least one financial account.

4. The apparatus according to claim 3 wherein the terminal further includes:

a card reader, wherein the card reader is in operative connection with the at least one processor, and wherein the card reader is operative to read the card data from at least one of a credit and debit card,

and wherein the at least one processor is operative to cause the card data read through operation of the card reader to be stored in the at least one memory.

5. The apparatus according to claim 3 wherein the terminal comprises at least one of a personal digital assistant and a cell phone.

6. The apparatus according to claim 5 wherein the communication is operative to cause a transfer of funds at least one of to and from the at least one financial account.

7. The apparatus according to claim 5 wherein the communication is operative to cause data corresponding to a receipt for the transfer to be received by the terminal, and wherein the at least one processor is operative to cause data corresponding to the receipt to be stored in the at least one memory.

8. The apparatus according to claim 3 wherein the at least one memory includes data corresponding to a plurality of financial accounts;

wherein the at least one manual input corresponds to one financial account;

wherein the communication is operative to cause the financial transfer at least one of to and from the one financial account.

9. The apparatus according to claim 8 wherein the one financial account corresponds to a debit card account;

wherein the at least one manual input corresponds to a personal identification number having a predetermined relationship to the card data corresponding to the debit card account;

and wherein the wireless communication device is operative to communicate data corresponding to the card data corresponding to the debit card account and the personal identification number to the at least one remote computer.

10. The apparatus according to claim 9 wherein the communication is operative to cause funds to be transferred from the debit card account.

11. The apparatus according to claim 10 wherein the communication is operative to cause funds transferred from the debit card account to be transferred to another account.

12. The apparatus according to claim 10 wherein the communication is operative to cause an amount of funds to be transferred from the debit card account to the terminal.

13. The apparatus according to claim 12 wherein the at least one processor is operative to store data corresponding to the amount transferred to the terminal from the debit card account, in the at least one memory.

14. The apparatus according to claim 13 wherein the at least one manual input device is operative to receive at least one further input,

wherein the at least one processor is operative responsive to the at least one further input to cause the wireless communication device to further wirelessly communicate with a merchant system, wherein the further communication is operative to cause a further transfer of at least a portion of the amount to the merchant system.

15. The apparatus according to claim 9 wherein the portable terminal includes a display, and wherein the display is in operative connection with the at least one processor, and wherein the display is operative responsive to operation of the processor to output indicia corresponding to at least one account balance.

16. The apparatus according to claim 3 wherein the communication is further operative to cause data corresponding to a receipt for the financial transfer to be received by the terminal, and wherein the at least one processor is operative to cause data corresponding to the receipt to be stored in the at least one memory.

17. The apparatus according to claim 3

wherein the at least one financial account comprises a first financial account,

wherein the at least one memory includes data corresponding to the first financial account,

wherein the at least one manual input device is operative to receive a personal identification number (PIN),

wherein the at least one manual input corresponds to a PIN having a predetermined relationship to the first financial account,

wherein the at least one processor is operative to cause the wireless communication device to communicate data corresponding to both the first financial account and the PIN to the at least one remote computer, to cause a financial transfer involving the first financial account.

18. The apparatus according to claim 3 wherein the at least one financial account comprises a first financial account, wherein the at least one memory stores a neutralizer code, wherein the neutralizer code is associated with an item purchased using the first financial account during an in-store self-service checkout transaction, wherein the neutralizer code is operative to neutralize an anti-theft RFID tag associated with the item.

19. The apparatus according to claim 3 wherein the at least one financial account comprises a first financial account, wherein the at least one memory stores a redeemable network code which corresponds to a cash amount transferred from the first financial account, wherein the network code is redeemable for a specific amount of cash at any of a plurality of ATMs in an ATM network.

20. The apparatus according to claim 3 wherein the at least one financial account comprises a first financial account, wherein the at least one memory stores ATM display panel settings data, wherein the settings data is readable by an ATM having a flexible display panel, wherein the settings data is operative to cause the ATM to change a radius of curvature of the flexible display panel to a configuration which corresponds to the settings data.

21. Apparatus comprising:

a portable handheld terminal including;

at least one input device, wherein the at least one input device is operative to receive card data corresponding to data included on at least one of a debit and credit card, wherein the card data corresponds to at least one financial account;

at least one processor, wherein the at least one processor is in operative connection with the at least one input device;

at least one memory, wherein the at least one memory is in operative connection with the at least one processor,

a wireless communication device, wherein the wireless communication device is in operative connection with the at least one processor,

wherein the at least one processor is operative to cause data corresponding to the card data to be stored in the at least one memory;

and wherein the at least one processor is operative to cause the terminal to wirelessly communicate and to be in operative connection with at least one remote computer, wherein the communication includes communication of at least a portion of the card data from the terminal to the at least one remote computer, and wherein the communication is operative to cause a financial transfer at least one of to and from the financial account.

22. The apparatus according to claim 21 wherein the at least one input device includes a card reader, wherein the card reader is in operative connection with the at least one processor, and wherein the card reader is operative to read card data from the at least one debit card and credit card.

23. The apparatus according to claim 21 wherein the at least one input device includes at least one manual input device.

24. The apparatus according to claim 21 wherein the terminal comprises a cell phone.