Automated banking machine that operates responsive to data bearing records

• US 8,123,120 B2
• Filed: 02/25/2008
• Issued: 02/28/2012
• Est. Priority Date: 11/27/1996
• Status: Expired due to Term

• Current Assignee: Diebold Nixdorf, Incorporated
• Original Assignee: Diebold Incorporated (Diebold Nixdorf, Incorporated)
• Inventors: Couper, Denise, Somers, Charles H. Jr., Drummond, Jay Paul, Smith, Mark D., Putman, Harold V.
• Primary Examiner(s): Mai, Thien
• Application Number:
  US12/072,197
• Publication Number:
  US 20090212105A1
• Time in Patent Office: 1,464 Days
• Field of Search: 235/379, 235/380, 705/35, 705/43, 705/41, 705/42
• US Class Current: 235/379
• CPC Class Codes: G06Q 20/105 involving programming of a portable memory device, e.g. IC cards, "electronic purses"
• CPC Class Codes: G06Q 20/108 Remote banking, e.g. home banking
• 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 17/42 for ticket printing or like apparatus , e.g. apparatus for dispensing of printed paper tickets or payment cards
• 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

A system controlled responsive to data bearing records includes a card reader that is operative to read card data from user cards including identifying data, and authorizes operation of an automated banking machine responsive to the identifying data. The system is operative send a configuration XML message to a banking machine from an application server, wherein the configuration XML data includes configuration data targeted to the banking machine. The system comprising an application server is operative to send an application XML message to the banking machine, wherein the application XML application includes application data. In addition, the application data may be mapped to at least one corresponding resource on the banking machine responsive to the configuration data. The banking machine may performing a banking transaction using the at least one resource on the banking machine responsive to the application XML message.

Claims

1. A method of operation of a banking system responsive to data read from data bearing records, comprising:

a) receiving, through operation of at least one computer associated with an automated banking machine that includes a card reader operative to read data from user cards, configuration data from at least one application server, wherein the configuration data is associated with at least one of a plurality of resources included in the automated banking machine, wherein at least one of the resources includes a cash dispenser;

b) receiving, through operation of the at least one computer, at least one application markup language document from the at least one application server, wherein the at least one application markup language document includes application instructions;

c) correlating, through operation of the at least one computer, at least one portion of the application instructions received in (b) to the at least one resource of the banking machine responsive at least in part to the configuration data received in (a); and

d) causing, through operation of the at least one computer, a banking transaction to be performed with the banking machine responsive at least in part to the application instructions, wherein the banking transaction includes operation of the at least one resource correlated in (c), and wherein the banking transaction is operative to cause a transfer of funds with respect to an account corresponding to data read from a user card through operation of the card reader.

2. The method according to claim 1, wherein in (a) the at least one resource includes keys of a keypad of the automated banking machine,

wherein the configuration data includes a plurality of sets of data usable by at least one software component operating in the at least one computer to enable sets of keys of the keypad to produce respective input signals receivable through operation of the at least one computer responsive at least in part to manually actuating respective keys,

wherein in (c) the at least one portion of the application instructions specifies a keymap, wherein (c) includes correlating the specified keymap with one of the sets of keys of the keypad responsive at least in part to the configuration data,

and further comprising:

e) subsequent to (c), generating at least one input signal responsive at least in part to at least one key of the keypad being manually actuated by a user of the automated banking machine,

wherein (d) includes performing the banking transaction responsive at least in part to the at least one input signal generated responsive at least in part to manual activation of at least one of the keys by the user in (e).

3. The method according to claim 2, wherein in (a) the configuration data includes conversion data usable by the at least one computer to convert input signals generated responsive at least in part to manual actuation of at least one key of a keypad to at least one of corresponding keyboard input signals and mouse input signals.

4. The method according to claim 1, wherein in (a) the configuration data is included in at least one configuration markup language document received by the automated banking machine from the at least one application server, wherein the configuration data includes at least one configuration instruction which is operative to cause the at least one computer to correlate the at least one portion of the application instructions received in (b) to the at least one resource of the automated banking machine.

5. The method according to claim 4, wherein in (c) the at least one resource correlated to comprises a device of the automated banking machine, which device is in operative connection with the at least one computer, wherein in (d) the banking transaction performed includes operating the device.

6. The method according to claim 4, wherein in (c) the at least one resource corresponds to at least one of a plurality of output documents accessible to the at least one computer of the automated banking machine, wherein in (d) the banking transaction includes outputting, responsive at least in part to operation of the at least one computer of the automated banking machine, an output through an output device of the automated banking machine responsive at least in part to the at least one output document.

7. The method according to claim 6, wherein in (d) the at least one output document comprises an HTML document.

8. The method according to claim 6, wherein the at least one application markup language document received in (b) includes transaction data, wherein in (d) the at least one output document corresponds to a form, wherein (d) includes causing, through operation of the at least one computer, the form to be populated with the transaction data.

9. The method according to claim 6, where in (d) the output device includes a printer, and wherein outputting the output includes producing a printed output through operation of the printer.

10. The method according to claim 6, wherein in (d) the output device includes a display device, and wherein outputting the output includes producing a visual output through operation of the printer.

11. The method according to claim 6, wherein the at least one application markup language document received in (b) includes transaction data, wherein in (c) the at least one output document includes format instructions, and wherein in (d) the output includes indicia representative of the transaction data formatted responsive at least in part to the format instructions.

12. The method according to claim 6, wherein in (c) the at least one portion of the application instructions specifies an application state of the automated banking machine, and wherein the configuration data causes the specified application state to be correlated with the at least one output document.

13. The method according to claim 6, wherein the plurality of output documents are accessible from a server located remotely from the automated banking machine, and further comprising:

e) responsive at least in part to (c), accessing the at least one output document from the remote server through operation of the at least one computer.

14. The method according to claim 13, wherein in (a) the configuration data includes a configuration instruction, wherein the configuration instruction includes at least portions of a network address at which the at least one output document is accessible.

15. The method according to claim 4, wherein in (a) the plurality of resources correspond to a plurality of different operational states of at least one software application operating in the at least one computer, wherein each operational state is associated with at least one action capable of being performed by the automated banking machine and at least one presentation capable of being output by the automated banking machine through an output device of the automated banking machine, wherein the at least one resource correlated in (c) corresponds to a first state of the plurality of states, wherein in (d) causing the banking transaction to be performed includes:

di) performing the at least one action associated with the first state; and

dii) outputting the at least one presentation associated with the first state.

16. The method according to claim 15, wherein in (a) the at least one presentation includes indicia including a prompt to provide at least one input through an input device of the automated banking machine, and further comprising:

e) outputting the prompt from the automated banking machine,

f) receiving at least one input through an input device of the automated banking machine responsive at least in part to the prompt,

wherein in (di) the performing the at least one action includes sending from the automated banking machine to the application server a client markup language document which includes data representative of the at least one input.

17. The method according to claim 15, wherein the performing the at least one action in (di) includes causing through operation of the at least one computer, the cash dispenser of the automated banking machine to dispense cash.

18. The method according to claim 15, wherein the outputting at least one presentation in (dii) includes outputting indicia representative of an advertisement.

19. The method according to claim 4, wherein in (a) the plurality of resources correspond to a plurality of callable software functions operative to be accessed through operation of the at least one computer, wherein (c) includes correlating the at least one portion of the application instructions to one of the software functions responsive at least in part to the configuration data, wherein (d) includes calling the one software function in the at least one computer responsive at least in part to the application instructions.

20. The method according to claim 19, wherein in (b) the application instructions include transaction data, wherein in (d) the one software function is operative to cause the at least one computer to cause at least a portion of the banking transaction to be performed responsive at least in part to the transaction data.

21. The method according to claim 19, wherein the one software function called in (d) corresponds to a function of an automated banking machine object software component.

22. The method according to claim 19, wherein the one software function called in (d) corresponds to a function of an automated banking machine dispenser object software component, wherein in (d) an automated banking machine dispenser object causes the at least one computer to cause the cash dispenser to dispense cash.

23. The method according to claim 2, and further comprising repeating step (a) periodically.

24. The method according to claim 1, and further comprising:

e) receiving, through operation of at least one further computer, further configuration data from the at least one application server, wherein the at least one further computer is in operative connection with a plurality of resources, wherein the further configuration data is associated with at least one of the plurality of resources of the at least one further computer, wherein the plurality of resources of the at least one further computer do not include a cash dispenser;

f) receiving, through operation of the at least one further computer, the at least one application markup document from the at least one application server;

g) correlating, through operation of the at least one further computer, the at least one portion of the application instructions received in (f) to the at least one resource of the at least one further computer responsive at least in part to the further configuration data received in (e); and

h) enabling, through operation of the at least one further computer, a further banking transaction to be performed responsive at least in part to the application instructions received in (f), which banking transaction includes the use of the at least one resource correlated in (g).

25. The method according to claim 24, wherein the at least one application markup language document received in (b), and the at least one application markup language document received in (f) each includes transaction data, and further comprising an HTTP server, wherein the HTTP server at least one of includes or is in operation connection with the at least one further computer, and wherein a client computer in operative connection with the HTTP server includes a display screen and a browser, wherein in (h) the HTTP server operates to send to the client computer at least one further markup language document responsive at least in part to the at least one resource correlated in (g), wherein the at least one further markup language document includes indicia representative of the transaction data received in (f), wherein in (h) the banking transaction includes a browser generating an output through the display screen of the client computer responsive at least in part to the further markup language document.

26. The method according to claim 25, wherein (h) includes:

generating, through operation of the at least one further computer, the further markup language document responsive at least in part to the at least one resource correlated in (g).

27. The method according to claim 26, wherein the at least one resource correlated in (g) corresponds to one of a plurality of forms accessible to the at least one further computer, wherein in (h) generating the further markup language document includes populating the one form with the transaction data.

28. The method according to claim 27, wherein the at least one resource correlated in (g) corresponding to one of a plurality of forms includes format instructions.

29. The method according to claim 27, wherein the at least one resource correlated in (g) corresponding to one of a plurality of forms includes markup language.

30. The method according to claim 26, wherein the automated banking machine includes a display screen and a browser, wherein (d) includes:

generating through operation of the at least one computer of the automated banking machine, a second further markup language document responsive at least in part to the at least one resource correlated in (c), wherein the second further markup language document includes indicia representative of the transaction data received in (b);

wherein in (d) the banking transaction includes a browser generating an output through a display screen of the automated banking machine responsive at least in part to the second further markup language document.

31. The method according to claim 30, wherein the at least one resource correlated in (g) corresponds to one of a plurality of forms accessible to the at least one further computer, wherein in (h) generating the further markup language document includes populating the one form accessible to the at least one further computer with the transaction data received in (f), wherein the at least one resource correlated in (c) corresponds to one of a plurality of forms accessible to the at least one computer of the automated banking machine, wherein in (d) generating the second further markup language document includes populating the one form accessible to the at least one computer of the automated banking machine with the transaction data received in (b).

32. The method according to claim 24, wherein the at least one resource correlated in (c) corresponds to a first output document, wherein the at least one resource correlated in (g) corresponds to a second output document, wherein in (d) the banking transaction includes outputting, through operation of the at least one computer of the automated banking machine, a first output through a first output device of the automated banking machine responsive at least in part to the first output document, wherein in (h) the banking transaction includes outputting, through operation of the at least one further computer, a second output through a second output device in operative connection with the at least one further computer responsive at least in part to the second output document.

33. The method according to claim 32, wherein in (d) the first output document includes markup language, wherein in (h) the second output document includes markup language.

34. The method according to claim 32, wherein the at least one application markup language document received in (b) and the at least one application markup language document received in (f) each includes transaction data, wherein in (d) the first output document includes a first form, wherein in (h) the second output document includes a second form, wherein in (d) the first output includes indicia representative of the transaction data received in (b) formatted responsive at least in part to the first firm, wherein in (h) the second output includes indicia representative of the transaction data received in (f) formatted responsive at least in part to the second form.

35. The method according to claim 1, and further comprising:

prior to (a);

e) receiving a host message from a host banking system with the at least one application server; and

f) generating with the at least one application server the at least one application markup language document responsive at least in part to the host message.

36. The method according to claim 1, wherein the at least one application server is in operative connection with a data store, wherein the data store includes data corresponding to a plurality of transaction steps, wherein the at least one application server is operative to send a plurality of application markup language documents to the automated banking machine, where each of the application markup language documents includes application instructions corresponding to a respective one of the transaction steps,

wherein (c) includes correlating, through operation of the at least one computer, the application instructions received in the plurality of application markup language documents to a plurality of resources of the automated banking machine responsive at least in part to the configuration data received in (a),

wherein (d) includes causing, through operation of the at least one computer, the automated banking machine to progress through the plurality of transaction steps responsive at least in part to the application instructions, wherein for at least one of the transaction steps the at least one computer is operative to cause an output to be provided through an output device of the automated banking machine which is generated responsive at least in part to a respective one of the resources.

37. The method according to claim 36, wherein in (d) the output device includes a display device.

38. The method according to claim 36, wherein the at least one resource correlated to in (c) includes data corresponding to forms stored in a data store of the automated banking machine.

39. The method according to claim 36, wherein the at least one resource correlated to in (c) includes data corresponding to presentations stored in a data store of the automated banking machine.

40. The method according to claim 36, wherein in (d) the transaction steps correspond to operating states of the automated banking machine.

41. The method according to claim 36, and further comprising:

e) modifying the data in the data store through operation of the at least one application server to change the sequence of the plurality of transaction steps from a first order to a second order.

42. The method according to claim 36, and further comprising:

e) modifying the data in the data store through operation of the at least one application server to change the transaction steps from a first set of steps to a second set of steps.

43. At least one article including computer executable instructions operative to cause at least one computer of an automated banking machine that includes each of a card reader device operative to read user card data corresponding to a financial account and a cash dispenser device, and that operates responsive at least in part to data read from data bearing records to carry out a method comprising:

a) receiving through operation of at least one computer of an automated banking machine that includes a card reader operative to read data from user cards corresponding to financial accounts, configuration data from at least one application server, wherein the configuration data is associated with at least one of a plurality of resources included in the automated banking machine, wherein the resources include the card reader device and a cash dispenser device;

b) receiving, through operation of the at least one computer, at least one application markup language document from the at least one application server, wherein the at least one application markup language document includes application instructions;

c) correlating, through operation of the at least one computer, at least one portion of the application instructions received in (b) to the at least one resource of the automated banking machine responsive at least in part to the configuration data received in (a); and

d) causing, through operation of the at least one computer, a banking transaction to be performed with the automated banking machine responsive at least in part to the application instructions, wherein the banking transaction includes operation of the at least one resource correlated in (c), and wherein the banking transaction is operative to cause a transfer of funds with respect to an account corresponding to data read from a user card through operation of the card reader.