Automated banking machine controlled responsive to data bearing records

• US 8,231,050 B1
• Filed: 06/27/2011
• Issued: 07/31/2012
• Est. Priority Date: 11/27/1998
• Status: Expired due to Term

• Current Assignee: Diebold Nixdorf, Incorporated
• Original Assignee: Diebold Incorporated (Diebold Nixdorf, Incorporated)
• Inventors: MEEK, JAMES
• Primary Examiner(s): Labaze, Edwyn
• Application Number:
  US13/135,155
• Time in Patent Office: 400 Days
• Field of Search: 235/379, 235/375, 235/381, 235/487, 705 42- 45, 902 8- 14
• US Class Current: 235/379
• 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 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

Abstract

An automated transaction machine can operate to carry out a financial transaction for a machine user responsive to communication with a financial transaction host computer. The machine includes a card reader that can read a user identifier from a magnetic stripe of a user card. The machine sends the read user identifier to a remote marketing computer. The marketing computer uses a user identifier to determine the next marketing presentation to be presented to a machine user corresponding to the user identifier. Responsive to a message received from the marketing computer, the machine operates to display the determined next marketing presentation to the machine user. A marketing campaign includes a sequence of presentations to be output in a predetermined order to a machine user. Machine communication with the remote marketing message computer is independent of machine communication with the transaction host computer.

Claims

1. A method comprising:

(a) operating at least one processor that is in operative connection with at least one input device, at least one output device, a cash dispenser, and at least one communication device of an automated banking machine,

wherein the at least one input device includes at least one card reader,

wherein the at least one card reader is operative to read from a user card, card data usable to identify a financial account of a machine user,

wherein the at least one output device includes a display and a receipt printer operative to provide printed receipts corresponding to transactions conducted through operation of the machine,

wherein the cash dispenser is operative to dispense cash to machine users,

to cause card data read by the at least one card reader to be communicated from the machine to a first remote computer and to a second remote computer different from and not in operative connection with the first remote computer; and

(b) operating the at least one processor to cause the machine to carry out a cash dispensing transaction that includes operation of the cash dispenser responsive at least in part to at least one communication received by the machine from the second remote computer responsive at least in part to communication of the card data to the second remote computer in (a).

2. The method according to claim 1 and further comprising:

(c) operating the at least one processor to cause at least one output to be provided from the at least one output device, responsive at least in part to at least one communication received by the machine from the first remote computer.

3. The method according to claim 1 and further comprising:

(c) operating the at least one processor to cause the at least one card reader to read card data included in a magnetic stripe of a user card.

4. The method according to claim 1 and further comprising:

(c) operating the at least one processor to cause at least one message including data corresponding to the card data and a request to conduct a cash dispensing transaction, to be communicated to the second remote computer.

5. The method according to claim 1 wherein the at least one input device is operative to receive inputs corresponding to a requested transaction type, and further comprising:

(c) operating the at least one processor to cause data corresponding to the requested transaction type to be communicated to the second remote computer and not the first remote computer.

6. The method according to claim 1 wherein the at least one processor includes a timing function, and further comprising:

(c) operating the at least one processor responsive at least in part to the timing function to determine a time since the card data read by the at least one card reader was communicated from the machine to the first remote computer;

wherein the at least one processor is operative to cause the machine to take at least one action responsive at least in part to the time having elapsed without the machine receiving at least one communication from the first remote computer.

7. A method comprising:

(a) operating at least one reader device of an automated transaction machine to acquire identifying data from a magnetic stripe of a data bearing record presented by a machine user during a financial transaction,

wherein the machine is operative to communicate with a financial transaction computer that is remotely located from the machine,

wherein the machine is operative to communicate with a determining computer that is remotely located from the machine and the financial transaction computer,

wherein the machine is operative to conduct a financial transaction through communication with the financial transaction computer independent of communication with the determining computer;

(b) operating the machine to cause a request message to be sent to the determining computer, wherein the request message includes identity data corresponding to the identifying data acquired in (a);

(c) operating the determining computer to

(ci) receive the request message sent in (b),

(cii) determine a response message responsive at least in part to receiving the identity data, and

(ciii) cause the response message to be sent to the machine; and

(d) operating the machine to

(di) receive the response message sent in (ciii), and

(dii) cause at least one output corresponding to the response message received in (di), to be presented to the machine user through at least one output device that includes a display device,

wherein (a)-(d) are carried out prior to conclusion of the financial transaction.

8. The method according to claim 7 wherein the at least one reader device comprises a card reader, wherein the identity data corresponds to user identifying data, and wherein (a) includes operating the card reader to read the user identifying data from a magnetic stripe of a user card.

9. The method according to claim 7 and further comprising:

(e) operating the determining computer responsive at least in part to receiving the identity data, to determine a marketing presentation to be output to the machine user;

wherein the response message indicates the marketing presentation.

10. The method according to claim 9 wherein the marketing presentation determined in (e) is a next marketing presentation in a predetermined sequence of marketing presentations to be output to the machine user, and wherein the response message indicates the next marketing presentation.

11. The method according to claim 7 wherein the machine includes a cash dispenser, and further comprising:

(e) operating the machine to cause the cash dispenser to dispense cash to the machine user.

12. The method according to claim 7 wherein during (a)-(d) the determining computer is not in operative connection with the financial transaction computer.

13. A method comprising:

(a) operating a determining computer that is operative to communicate with each of a plurality of automated transaction machines remotely located from the determining computer, to receive identifying data sent from a first machine of the plurality of machines,

wherein the identifying data corresponds to user data received from a first machine user attempting to carry out a financial transaction that involves communication of the first machine with a financial transaction host computer which is remotely located from the machines and the determining computer and is not in operative connection with the determining computer;

(b) operating the determining computer to make a first machine-affecting determination based on the identifying data received in (a); and

(c) operating the determining computer to cause determination data corresponding to the determination made in (b) to be sent to the first machine,

wherein the determination data is operative to cause the first machine to output at least one message to the first machine user prior to the financial transaction being carried out.

14. The method according to claim 13 wherein the determining computer comprises a marketing computer, and wherein (b) includes operating the marketing computer to determine a particular marketing presentation to be displayed to the first machine user based on the identifying data received in (a).

15. The method according to claim 13 wherein the determination data corresponds to advertising material to be presented to the first machine user, wherein in (c) the determination data is operative to cause the first machine to display the advertising material.

16. The method according to claim 13 wherein the determining computer comprises a marketing computer, and further comprising:

(d) operating the first machine to conduct a financial transaction through communication with the financial transaction host computer independent of communication with the marketing computer.

17. The method according to claim 13 and further comprising:

(d) operating the first machine to conduct a financial transaction through communication with the financial transaction host computer independent of communication with the determining computer.

18. The method according to claim 13 and further comprising:

(d) operating the first machine to conduct a financial transaction through communication with the financial transaction host computer responsive at least in part to communication with the determining computer.

19. The method according to claim 13 wherein the first machine includes at least one reader, and further comprising:

(d) prior to (a), operating the at least one reader to read the user data, wherein the user data is usable to identify a financial account of the first machine user.

20. The method according to claim 13 wherein the determining computer is operative to communicate with a plurality of automated transaction machines that are each an ATM, wherein the first machine comprises a first ATM including a cash dispenser, and further comprising:

(d) operating the first ATM to cause the cash dispenser to dispense cash to the first machine user.

21. The method according to claim 13 wherein the first machine includes a plurality of transaction function devices,

wherein the determining computer is operative to control whether or not the first machine carries out at least one particular transaction function for the first machine user,

wherein the at least one particular transaction function includes operation of at least one of the transaction function devices,

wherein (b) includes operating the determining computer to determine whether or not the first machine is allowed to carry out the at least one particular transaction function for the first machine user.