Banking system operated responsive to data read from data bearing records

• US 8,177,126 B2
• Filed: 04/12/2011
• Issued: 05/15/2012
• Est. Priority Date: 05/07/1997
• Status: Active Grant

• Current Assignee: Diebold Nixdorf, Incorporated
• Original Assignee: Diebold Incorporated (Diebold Nixdorf, Incorporated)
• Inventors: DePietro, Mark, McIntyre, Daniel S., Benore, Randolph C., Frazzitta, Bartholomew J., Bakerink, Allan R., MEEK, JAMES
• Primary Examiner(s): Mai, Thien T
• Application Number:
  US13/066,323
• Publication Number:
  US 20110196785A1
• Time in Patent Office: 399 Days
• Field of Search: 235/380, 235/379, 348/14.01, 348/14.08, 705/43, 705/73, 345/157, 345/173, 707/3, 379/106.01
• US Class Current: 235/379
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 30/02 Marketing; Price estimation or determination; Fundraising
• CPC Class Codes: G07F 19/20 Automatic teller machines [ATMs]
• CPC Class Codes: G07F 19/201 Accessories of ATMs
• CPC Class Codes: G07F 19/211 Software architecture within ATMs or in relation to the ATM network
• CPC Class Codes: H04N 7/18 Closed-circuit television [CCTV] systems, i.e. systems in which the video signal is not broadcast

Abstract

An exemplary system includes an automated banking machine (322) which is operable to conduct transactions including cash dispensing for users responsive to communication with a transaction host (336). The machine is also operative to provide output signals which drive external displays (328, 330) which are separate from the machine. The machine is operable to receive visual and audio content from one or more broadcast content sources (342, 343) and to store the content in the machine. The content is then output through the external displays. The machine is also operative to receive and store a plurality of advertising messages. The advertising messages are output in a targeted manner to users of the machine.

Claims

1. Apparatus comprising:

a transaction arrangement comprising;

at least one computer associated with at least one data store,

wherein the at least one computer is operable to access information from the at least one data store,

wherein the at least one computer is associated with at least one wireless communications link,

a banking facility,

wherein a service provider (SP) station and a portable customer station are located inside the banking facility,

wherein the portable customer station is operable by a customer in carrying out a transaction,

wherein the customer station includes a customer display interface,

wherein the customer display interface includes a customer touch screen,

wherein the customer display interface is in operative connection with the at least one computer,

wherein the at least one computer is operable to cause transaction outputs to be displayed through the customer touch screen,

wherein the at least one computer is operable to wirelessly receive customer inputs provided through contact with the customer touch screen,

wherein the SP station is operable by a service provider to assist the customer in carrying out the transaction,

wherein the SP station includes a SP display interface,

wherein the SP display interface includes a SP touch screen,

wherein the SP display interface is in operative connection with the at least one computer,

wherein the at least one computer is operable to cause outputs to be displayed through the SP touch screen,

wherein the at least one computer is operable responsive at least in part to at least one customer input to the customer touch screen, to

cause account information associated with the customer to be accessed from the at least one data store, and

cause the accessed account information to be displayed through the SP touch screen,

wherein the at least one computer is operable to receive SP inputs provided through contact with the SP touch screen,

wherein the at least one computer is operable to cause SP transaction assistance to be displayed through the customer touch screen, responsive to SP input provided through moving contact with the SP touch screen,

wherein the SP transaction assistance includes a displayed pointing out to the customer of at least one specific location on the customer touch screen.

2. The apparatus according to claim 1 wherein the banking facility includes a transport system operable to convey items between the SP station and a stationary customer station.

3. The apparatus according to claim 2

wherein the transaction arrangement includes an audio communications link between the SP station and the stationary customer station,

wherein the audio communications link allows two-way audio communication between a service provider at the SP station and a customer at the stationary customer station.

4. The apparatus according to claim 1 wherein the displayed pointing out comprises a hand-drawn marking being displayed through the customer touch screen, wherein the marking corresponds to hand-drawing movement made in contacting engagement with the SP touch screen.

5. The apparatus according to claim 1

wherein the displayed pointing out of the at least one specific location on the customer touch screen includes at least one of

a displayed pointer that points to a specific location on the customer touch screen;

a displayed highlight of a specific location on the customer touch screen; and

a displayed arrow that indicates a specific location on the customer touch screen.

6. Apparatus comprising:

a transaction arrangement comprising;

at least one computer associated with at least one data store,

wherein the at least one computer is operable to access information from the at least one data store,

wherein the at least one computer is associated with at least one wireless communications link,

a wireless portable customer station,

wherein the customer station is operable by a customer in carrying out a transaction,

wherein the customer station includes a customer display interface,

wherein the customer display interface includes a customer touch screen,

wherein the customer display interface is in operative connection with the at least one computer,

 

wherein the at least one computer is operable to wirelessly receive customer inputs provided through contact with the customer touch screen,

 

wherein the at least one computer is operable to cause transaction outputs to be displayed through the customer touch screen,

a facility,

wherein the facility includes a service provider (SP) station,

wherein the SP station is operable by a service provider to assist the customer in carrying out the transaction,

wherein the SP station includes a SP display interface,

 

wherein the SP display interface is in operative connection with the at least one computer,

 

wherein the SP display interface includes a SP touch screen,

wherein the at least one computer is operable to cause outputs to be displayed through the SP touch screen,

wherein the at least one computer is operable responsive at least in part to at least one customer input to the customer touch screen, to cause information associated with the transaction to be displayed through the SP touch screen,

wherein the at least one computer is operable to receive SP inputs provided through contact with the SP touch screen,

wherein the at least one computer is operable to cause SP transaction assistance to be wirelessly sent to the customer station and displayed through the customer touch screen, responsive to SP input provided through contact with the SP touch screen.

7. The apparatus according to claim 6 wherein responsive to SP input provided through contact with the SP touch screen, the at least one computer is operable to cause to be displayed through the customer touch screen, SP transaction assistance that includes a displayed pointing out to the customer of at least one specific location on the customer touch screen.

8. The apparatus according to claim 7 wherein the facility includes the wireless portable customer station, and wherein the wireless portable customer station allows a customer to receive transaction assistance from the SP while moving about the facility.

9. The apparatus according to claim 8 wherein the facility comprises a banking facility,

wherein the banking facility includes a stationary customer station,

wherein the stationary customer station is operable by a customer in carrying out a banking transaction,

wherein the banking facility includes a transport system operable to convey items between the SP station and the stationary customer station,

wherein the SP station is operable by the SP to assist a customer at the stationary customer station in carrying out the banking transaction.

10. Apparatus comprising:

a transaction arrangement comprising;

at least one computer associated with at least one wireless communications link,

a banking facility,

wherein the banking facility includes a service provider (SP) station,

wherein the SP station is operable by a service provider to assist customers in carrying out transactions,

wherein the SP station includes a SP display interface,

 

wherein the SP display interface is in operative connection with the at least one computer,

 

wherein the SP display interface includes at least one SP touch screen,

wherein the banking facility includes at least one stationary customer station,

wherein the at least one stationary customer station is operable by a stationary customer in carrying out a stationary banking transaction,

 

wherein the SP station is operable by the SP to assist the stationary customer in carrying out the stationary banking transaction,

wherein the at least one stationary customer station includes a stationary customer station touch screen in operative connection with the at least one computer,

 

wherein the at least one computer is operable to receive customer inputs provided through contact with the stationary customer station touch screen,

 

wherein the at least one computer is operable responsive at least in part to at least one customer input to the stationary customer station touch screen, to cause information associated with the stationary banking transaction to be displayed through the at least one SP touch screen,

wherein the at least one computer is operable to cause transaction outputs to be displayed through the stationary customer station touch screen,

 

wherein the at least one computer is operable responsive to at least one SP input to the at least one SP touch screen, to cause SP transaction assistance to be sent to the stationary customer station and displayed through the stationary customer station touch screen,

wherein the banking facility includes a transport system,

wherein the transport system is operable to convey items between the SP station and the stationary customer station, a portable customer station,

wherein the portable customer station is operable by a moving customer in carrying out a portable banking transaction,

wherein the SP station is operable by the SP to assist the moving customer in carrying out the portable banking transaction,

wherein the portable customer station includes a portable customer station touch screen in operative connection with the at least one computer,

wherein the at least one computer is operable to wirelessly receive customer inputs provided through contact with the portable customer station touch screen,

 

wherein the at least one computer is operable responsive at least in part to at least one customer input to the portable customer station touch screen, to cause information associated with the portable banking transaction to be displayed through the at least one SP touch screen,

 

wherein the at least one computer is operable to cause transaction outputs to be displayed through the portable customer station touch screen,

 

wherein the at least one computer is operable responsive at least in part to at least one SP input to the at least one SP touch screen, to cause SP transaction assistance to be wirelessly sent to the portable customer station and displayed through the portable customer station touch screen.

11. The apparatus according to claim 10 wherein the facility includes the portable customer station, and wherein the portable customer station allows a customer to receive transaction assistance from the SP while moving about the banking facility.