Banking system operated responsive to data read from data bearing records
First Claim
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1. Apparatus comprising:
- a banking system comprising;
at least one automated transaction machine, wherein the at least one automated transaction machine includes an automated banking machine,wherein the automated banking machine is operative to cause financial transfers responsive at least in part to data provided by machine users,wherein the automated banking machine includes;
at least one reader device,
wherein the at least one reader device is operative to read customer identification data provided by a machine user,a cash dispenser,
wherein the cash dispenser is operative to selectively dispense cash stored in the machine to authorized users of the machine,at least one display device,at least one computer,at least one data store,
wherein the at least one data store includes instruction data corresponding to instructions that are operative to cause the at least one computer to cause the machine to carry out a transaction logic flow that is operative to cause financial transactions,
wherein the instructions include
data corresponding to a plurality of points in the transaction logic flow,
wherein each point is associated with a state of the machine during execution of the transaction,
data corresponding to a plurality of display screen outputs, and
data associating each of the plurality of points with a respective display screen output,wherein the at least one computer is in operative connection with the at least one reader device, the at least one display device, the cash dispenser, and the at least one data store,wherein the at least one computer is configured to operate responsive at least in part to the instructions to
cause customer identification data which corresponds to a financial account to be read through operation of the at least one reader device, and
cause read customer identification data to be compared with authorized machine user identification data stored in an authorized machine user information data store,wherein the at least one computer is operative to allow a machine user to carry out a transaction responsive at least in part to the machine user being recognized as an authorized user of the machine based at least in part on computer-determined correspondence between
customer identification data read by the at least one reader device, and
authorized machine user identification data stored in the authorized machine user information data store,wherein the at least one computer is configured to operate responsive at least in part to the instructions during a cash dispense transaction to cause the machine to
communicate at least one message with a remote financial transaction host,
wherein the at least one message includes data corresponding to the customer identification data read through operation of the at least one reader device,
dispense cash from the machine through operation of the cash dispenser responsive at least in part to
the machine user being recognized as an authorized user, and
communication received from the remote financial transaction host, and
cause the financial account to be assessed a value associated with the cash dispensed,wherein during the cash dispense transaction the at least one computer is operative to
cause the machine to be at each of the plurality of points in the transaction logic flow, and
cause the at least one display device to output each of the plurality of display screen outputs when the machine is at the associated points,wherein the at least one computer is operative to cause the machine to communicate with a remote server, wherein the remote server is other than the remote financial transaction host,
wherein communication of the machine with the remote server is not operative to cause financial transfers,
wherein responsive at least in part to communication with the remote server, the at least one computer is operative to cause at least one change to at least one of
the data corresponding to the plurality of points in the transaction logic flow, and
the data corresponding to the plurality of display screen outputs.
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0 Petitions
Accused Products
Abstract
A system includes automated banking machines that operate responsive to data read from data bearing records. Transactions may also be carried out through communication with local and remote service providers. An automated banking machine (322) operative to conduct transactions including cash dispensing for users responsive to data read from user cards and through communication with a transaction host (336). The machine is also operative to provide output signals which drive external displays (328, 330). A machine processor is operative to cause the machine to receive visual and/or audio content from content sources (342, 343) and to store data corresponding to the content. The content is then output through the external displays.
16 Citations
20 Claims
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1. Apparatus comprising:
a banking system comprising; at least one automated transaction machine, wherein the at least one automated transaction machine includes an automated banking machine, wherein the automated banking machine is operative to cause financial transfers responsive at least in part to data provided by machine users, wherein the automated banking machine includes; at least one reader device,
wherein the at least one reader device is operative to read customer identification data provided by a machine user,a cash dispenser,
wherein the cash dispenser is operative to selectively dispense cash stored in the machine to authorized users of the machine,at least one display device, at least one computer, at least one data store,
wherein the at least one data store includes instruction data corresponding to instructions that are operative to cause the at least one computer to cause the machine to carry out a transaction logic flow that is operative to cause financial transactions,
wherein the instructions include
data corresponding to a plurality of points in the transaction logic flow,
wherein each point is associated with a state of the machine during execution of the transaction,
data corresponding to a plurality of display screen outputs, and
data associating each of the plurality of points with a respective display screen output,wherein the at least one computer is in operative connection with the at least one reader device, the at least one display device, the cash dispenser, and the at least one data store, wherein the at least one computer is configured to operate responsive at least in part to the instructions to
cause customer identification data which corresponds to a financial account to be read through operation of the at least one reader device, and
cause read customer identification data to be compared with authorized machine user identification data stored in an authorized machine user information data store,wherein the at least one computer is operative to allow a machine user to carry out a transaction responsive at least in part to the machine user being recognized as an authorized user of the machine based at least in part on computer-determined correspondence between
customer identification data read by the at least one reader device, and
authorized machine user identification data stored in the authorized machine user information data store,wherein the at least one computer is configured to operate responsive at least in part to the instructions during a cash dispense transaction to cause the machine to
communicate at least one message with a remote financial transaction host,
wherein the at least one message includes data corresponding to the customer identification data read through operation of the at least one reader device,
dispense cash from the machine through operation of the cash dispenser responsive at least in part to
the machine user being recognized as an authorized user, and
communication received from the remote financial transaction host, and
cause the financial account to be assessed a value associated with the cash dispensed,wherein during the cash dispense transaction the at least one computer is operative to
cause the machine to be at each of the plurality of points in the transaction logic flow, and
cause the at least one display device to output each of the plurality of display screen outputs when the machine is at the associated points,wherein the at least one computer is operative to cause the machine to communicate with a remote server, wherein the remote server is other than the remote financial transaction host,
wherein communication of the machine with the remote server is not operative to cause financial transfers,
wherein responsive at least in part to communication with the remote server, the at least one computer is operative to cause at least one change to at least one of
the data corresponding to the plurality of points in the transaction logic flow, and
the data corresponding to the plurality of display screen outputs.- View Dependent Claims (2)
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3. Apparatus comprising:
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an automated transaction machine operable to cause financial transfers responsive at least in part to data read from data bearing records corresponding to stored data, wherein the machine includes at least one reader, wherein the at least one reader is operative to read user data which corresponds to financial accounts, a cash dispenser, wherein the cash dispenser is operative to selectively dispense cash stored in the machine to users of the machine, a display; at least one data store, at least one computer associated with the machine, wherein the at least one computer is in operative connection with the at least one reader, the cash dispenser, the display, and the at least one data store, wherein the at least one data store includes data corresponding to instructions, wherein the instructions are operative to cause the at least one computer to cause the machine to operate to carry out at least one transaction logic flow operative to cause financial transfers, wherein the instructions include data corresponding to a plurality of points in at least one transaction logic flow, data corresponding to a plurality of display screen outputs, and data associating each of the plurality of points with a respective display screen output; wherein the at least one computer is configured to operate responsive at least in part to the instructions to cause the machine to carry out a transaction, wherein during the transaction the machine is operative to read first user data through operation of the at least one reader, wherein the first user data corresponds to a financial account, communicate at least one message with a remote financial transaction host, wherein the at least one message includes data corresponding to the first user data, dispense cash from the machine through operation of the cash dispenser responsive at least in part to the first user data corresponding to stored data and communication with the financial transaction host, and cause the financial account corresponding to the first user data to be assessed a value corresponding to the cash dispensed; wherein the at least one computer is operative during the transaction to cause the machine to be at each of the plurality of points in at least one transaction logic flow and to cause the display to output each of the plurality of display screen outputs when the machine is at the associated points, wherein the at least one computer is operative to communicate with a remote server that is other than the financial transaction host, wherein communication of the machine with the remote server is not operative to cause the machine to carry out financial transfers, wherein the at least one computer is configured to operate responsive at least in part to communication with the remote server to cause at least one change in the at least one data store to at least one of the data corresponding to at least one point, and the data corresponding to at least one display screen output. - View Dependent Claims (4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16)
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17. Apparatus operable to cause financial transfers responsive at least in part to data read from data bearing records being compared with and corresponding to stored data, comprising:
a server, wherein the server is other than a financial transaction host, wherein the server is operative to communicate with a plurality of automated transaction machines, wherein each machine includes a display and a reader operative to read user data which corresponds to financial accounts, wherein each machine is configured to operate responsive at least in part to read user data to carry out transactions which cause financial transfers at least one of to and from the financial accounts through communication with the financial transaction host, when the read user data corresponds to computer stored data, wherein each machine is associated with at least one computer and at least one data store, wherein the at least one data store includes computer executable instructions operative to cause each machine to carry out at least one transaction logic flow operative to cause a transaction, wherein the at least one data store includes
data corresponding to a plurality of points in the at least one transaction logic flow,
data corresponding to a plurality of display screen outputs, and
data associating each of the plurality of points with a respective display screen output;wherein the at least one computer is operative during a transaction at a respective machine, to cause
the respective machine to be at each of the plurality of points, and
the display of the respective machine to output each of the plurality of display screen outputs, wherein each display screen output is output when the machine is at the associated point;wherein the server is operative to communicate with each of the plurality of machines and to cause at least one change in the at least one data store to at least one of the data corresponding to the plurality of points in the at least one transaction logic flow, and the data corresponding to the plurality of display screen outputs. - View Dependent Claims (18, 19, 20)
Specification
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Current AssigneeDiebold Incorporated (Diebold Nixdorf, Incorporated)
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Original AssigneeDiebold Incorporated (Diebold Nixdorf, Incorporated)
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InventorsMEEK, JAMES, Bakerink, Allan R., Frazzitta, Bartholomew J., Benore, Randolph C., McIntyre, Daniel C., DePietro, Mark
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Primary Examiner(s)TRAIL, ALLYSON NEEL
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Application NumberUS12/931,266Publication NumberTime in Patent Office558 DaysField of Search235/379, 235/381, 705/10, 705/14, 705/41US Class Current235/379CPC Class CodesG06Q 20/105 involving programming of a ...G06Q 20/108 Remote banking, e.g. home b...G06Q 20/1085 involving automatic teller ...G06Q 20/40145 Biometric identity checksG06Q 30/02 Marketing; Price estimation...G06Q 30/0201 Market modelling; Market an...G06Q 30/0241 AdvertisementsG06V 30/40 Document-oriented image-bas...G07F 19/20 Automatic teller machines [...G07F 19/201 Accessories of ATMsG07F 19/211 Software architecture withi...H04N 7/18 Closed-circuit television [...
