ATM that allows a user to select from a display screen of available transactions by touch dragging the displayed icon that represents the desired transaction

• US 8,220,707 B1
• Filed: 03/21/2011
• Issued: 07/17/2012
• Est. Priority Date: 11/13/2007
• Status: Active Grant

• Current Assignee: Diebold Nixdorf, Incorporated
• Original Assignee: Diebold Self-Service Systems (Diebold Nixdorf, Incorporated)
• Inventors: Block, James, Nelson, Jr., Donald S., Magee, Paul D., Graef, H. Thomas
• Primary Examiner(s): Hess, Daniel
• Assistant Examiner(s): ELLIS, SUEZU Y
• Application Number:
  US13/065,375
• Time in Patent Office: 484 Days
• Field of Search: 235/379, 235/380, 705/35, 705/39, 705/43, 705/44, 345/173
• US Class Current: 235/379
• CPC Class Codes: G06Q 20/1085 involving automatic teller machines [ATMs]
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: G07F 19/20 Automatic teller machines [ATMs]

Abstract

An automated banking machine allows an authorized user to carry out transactions such as withdrawing cash, making a deposit, cashing a check, and transferring funds between accounts. The machine provides a transaction selection screen through a touch screen display. The transaction selection screen includes a plurality of visually different icons. Each icon represents a different transaction that is available to the current machine user. The user can select a particular transaction by dragging its representative icon with a contacting finger. Upon selection of the particular transaction, a display screen unique to that particular transaction is then provided through the touch screen display.

Claims

1. Apparatus comprising:

an automated banking machine,

wherein the machine includes at least one reader,

wherein the at least one reader is operable to read user data usable to identify at least one of a financial account and a user of the machine,

wherein the machine includes a touch screen display,

wherein the touch screen display includes a display surface,

wherein the touch screen display includes a planar interface surface,

wherein the planar interface surface includes at least two disposed user locations,

 

wherein each user location is configured to concurrently provide visual outputs through the planar interface surface and receive user inputs through user contact with the planar interface surface at each respective user location from at least two respective users,

at least one computer associated with the machine,

wherein the at least one computer is operable to provide to the user, visual outputs through the touch screen display,

wherein the outputs include screen icons concurrently displayed on the display surface,

wherein the screen icons include banking function selection icons,

 

wherein each respective icon is movable on the display surface by the user moving a finger while the finger contacts the respective icon displayed on the display surface,

wherein the at least one computer is operable to receive banking function selection input from the user through user finger movement of a respective icon.

2. The apparatus according to claim 1 wherein the display surface includes different surface areas, wherein the different surface areas include an icon input area, wherein the at least one computer is operable to receive selection input from the user through finger dragging of a respective banking function selection icon toward and into the icon input area.

3. Apparatus comprising:

an automated banking machine,

wherein the machine includes at least one user input device,

wherein the at least one user input device is operative to receive input from a user of the machine,

wherein the at least one user input device includes at least one display and at least one reader,

wherein the at least one display includes a touch screen,

 

wherein the touch screen includes a planar interface surface,

 

wherein the planar interface surface includes at least two disposed user locations,

 

wherein each user location is configured to concurrently provide visual outputs through the planar interface surface and receive user inputs through user contact with the planar interface surface at each respective user location from at least two respective users,

wherein the at least one reader is operable to read user data usable to identify at least one of the user and a financial account,

at least one computer associated with the machine,

wherein the at least one computer is in operative connection with the at least one user input device,

wherein the at least one computer is configured to cause a first plurality of visually different icons to be concurrently displayed on the touch screen,

wherein each respective icon represents a different user input that is selectable by the user,

wherein each respective icon can be individually moved on the touch screen by the user placing a finger in contact with the touch screen at a position overlying the respective icon and then sliding the finger while the finger remains in contact with the touch screen,

 

wherein movement of the respective icon on the touch screen causes the at least one computer to receive the respective user input represented by the respective icon.

4. The apparatus according to claim 3 wherein the first plurality of visually different icons include transaction icons representative of different transactions available to the user, wherein a first transaction is selectable by the user through movement of the transaction icon that is representative of the first transaction.

5. The apparatus according to claim 3 wherein the first plurality of visually different icons include service icons representative of different banking services available to the user, wherein a first banking service is selectable by the user through movement of the service icon that is representative of the first banking service.

6. Apparatus comprising:

an automated banking machine,

wherein the machine includes at least one reader,

wherein the at least one reader is operable to read user data usable to identify at least one of a financial account and a user of the machine,

wherein the machine includes a touch screen display,

wherein the touch screen display includes a display surface,

at least one computer associated with the machine,

wherein the at least one computer is operable to cause a banking service selection screen to be displayed through the touch screen display,

wherein the banking service selection screen includes visually different icons concurrently displayed on the display surface,

wherein the icons respectively represent different types of banking services that are available to the user,

wherein the icons comprise at least a first icon and a second icon,

 

wherein the first icon represents a first type of banking service available to the user,

 

wherein the second icon represents a second type of banking service available to the user,

 

wherein the second type of banking service differs from the first type of banking service,

wherein each respective icon is movable on the display surface by the user moving a finger while the finger contacts the respective icon displayed on the display surface,

 

wherein the first type of banking service is selectable by the user through user finger movement of the first icon,

 

wherein the second type of banking service is selectable by the user through user finger movement of the second icon,

wherein the at least one computer is operable responsive at least in part to user finger movement of the first icon, to cause a first display screen unique to the first type of banking service to be displayed through the touch screen display,

wherein the at least one computer is operable responsive at least in part to user finger movement of the second icon, to cause a second display screen unique to the second type of banking service to be displayed through the touch screen display,

wherein the second display screen differs from the first display screen.

7. The apparatus according to claim 6 wherein the first type of banking service includes opening an account,

wherein the at least one computer is operable responsive at least in part to user finger movement of the first icon, to cause a display screen that is unique to opening an account to be displayed through the touch screen display.

8. The apparatus according to claim 7 wherein the at least one computer is operable responsive at least in part to user finger movement of the first icon, to cause a display screen that requests user input corresponding to opening an account to be displayed through the touch screen display.

9. The apparatus according to claim 7 wherein the account comprises a line of credit account,

wherein the at least one computer is operable responsive at least in part to user finger movement of the first icon, to cause a display screen that is unique to opening a line of credit account to be displayed through the touch screen display.

10. The apparatus according to claim 6 wherein the first type of banking service includes one of cashing a check, depositing funds into an existing account, withdrawing cash from an existing account, obtaining a certificate of deposit, opening a new account, and accessing a safety deposit box.

11. The apparatus according to claim 6 wherein the automated banking machine includes a cash dispenser, and wherein the at least one computer is operable to cause the machine to carry out a requested cash withdrawal transaction on a financial account associated with user data read by the at least one reader.

12. The apparatus according to claim 6 wherein the display surface includes different surface areas, wherein the different surface areas include an icon input area, wherein the at least one computer is operable to receive selection input from the user through finger dragging of a respective icon into the icon input area.

13. Apparatus comprising:

an automated banking machine,

wherein the machine includes at least one reader,

wherein the at least one reader is operable to read user data usable to identify at least one of a financial account and a user of the machine,

wherein the machine includes a touch screen display,

wherein the touch screen display includes a display surface,

at least one computer associated with the machine,

wherein the at least one computer is operable to cause machine operation during a transaction involving a financial account that corresponds to user data read by the at least one reader,

wherein the at least one computer is operable to cause a transaction selection screen to be displayed through the touch screen display,

wherein the transaction selection screen includes visually different icons concurrently displayed on the display surface,

wherein the icons respectively represent different types of banking transactions that are available to the user,

wherein the icons comprise at least a first icon and a second icon,

 

wherein the first icon represents a first type of banking transaction available to the user,

 

wherein the second icon represents a second type of banking transaction available to the user,

 

wherein the second type of banking transaction differs from the first type of banking transaction,

wherein each respective icon is movable on the display surface by the user moving a finger while the finger contacts the respective icon displayed on the display surface,

 

wherein the first type of banking transaction is selectable by the user through user finger movement of the first icon,

 

wherein the second type of banking transaction is selectable by the user through user finger movement of the second icon,

wherein the at least one computer is operable responsive at least in part to user finger movement of the first icon, to cause a first display screen unique to the first type of banking transaction to be displayed through the touch screen display,

wherein the at least one computer is operable responsive at least in part to user finger movement of the second icon, to cause a second display screen unique to the second type of banking transaction to be displayed through the touch screen display,

wherein the second display screen differs from the first display screen.

14. The apparatus according to claim 13 wherein the first type of banking transaction comprises a cash withdrawal transaction,

wherein the at least one computer is operable responsive at least in part to user finger movement of the first icon, to cause a display screen that is unique to a cash withdrawal transaction to be displayed through the touch screen display.

15. The apparatus according to claim 14 wherein the automated banking machine includes a cash dispenser.

16. The apparatus according to claim 15 wherein the at least one computer is operable to cause the machine to carry out a requested cash withdrawal transaction on a financial account associated with user data read by the at least one reader.

17. The apparatus according to claim 15 wherein the at least one computer is operable responsive at least in part to user finger movement of the first icon, to cause the touch screen display to request user input indicating an amount of cash.

18. The apparatus according to claim 13 wherein the first type of banking transaction comprises a deposit transaction,

wherein the at least one computer is operable responsive at least in part to user finger movement of the first icon, to cause a display screen that corresponds to a deposit transaction to be displayed through the touch screen display.

19. The apparatus according to claim 13 wherein the display surface includes different surface areas, wherein the different surface areas include an icon input area, wherein the at least one computer is operable to receive selection input from the user through finger dragging of a respective icon into the icon input area.

20. The apparatus according to claim 13 wherein the different types of banking transactions available to the user are based at least in part on user data read by the at least one reader corresponding to data in an available transaction data store.