Card activated cash dispensing automated banking machine system and method

• US 8,245,916 B2
• Filed: 05/16/2011
• Issued: 08/21/2012
• Est. Priority Date: 04/17/1998
• Status: Expired due to Term

• Current Assignee: Diebold Nixdorf, Incorporated
• Original Assignee: Diebold Incorporated (Diebold Nixdorf, Incorporated)
• Inventors: Ramachandran, Natarajan, Smith, Mark D., Drummond, Jay Paul
• Primary Examiner(s): Labaze, Edwyn
• Application Number:
  US13/068,596
• Publication Number:
  US 20110220714A1
• Time in Patent Office: 463 Days
• Field of Search: 235/379, 235/382, 235/376, 235/380, 235/382.5, 235/472.01, 705/5, 705/30, 705/35, 705/43
• US Class Current: 235/379
• CPC Class Codes: G06K 19/08 using markings of different kinds or more than one marking of the same kind in the same record carrier, e.g. one marking being sensed by optical and the other by magnetic means
• CPC Class Codes: G06K 7/0004 Hybrid readers
• CPC Class Codes: G06Q 20/341 Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
• CPC Class Codes: G07F 7/0886 the card reader being portable for interacting with a POS or ECR in realizing a payment transaction
• CPC Class Codes: G07F 7/1008 Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system

Abstract

An automated banking machine system operates to cause financial transfers responsive to data read from data bearing records. The system is operative to read a financial card bearing account indicia with a card reader. A user is enabled to perform at least one banking operation responsive to account indicia read from the card. Such banking operations may include dispensing cash and accessing financial accounts. The card reader may include a data store including a card reader device driver therein. The card reader may further communicate the device driver to a automated banking machine software application component, which is operative to use the device driver to operate the card reader.

Claims

1. Apparatus comprising:

an automated banking machine, wherein the automated banking machine is operative responsive at least in part to data read from data bearing records to cause financial transfers, wherein the automated banking machine includes;

a card reader, wherein the card, reader is operative to read card data from user cards, wherein the card data corresponds to financial accounts, wherein the card reader includes at least one processor, wherein the card reader includes a data store, wherein the data store includes a device driver stored therein;

a cash dispenser;

at least one computer, wherein the at least one computer includes at least one processor, wherein the at least one computer includes at least one automated banking machine software application component, wherein the at least one processor of the card reader is operative to communicate the device driver stored in the data store of the card reader to the at least one processor of the at least one computer, wherein the at least one automated banking machine software application component is operative in the at least one processor of the at least one computer to cause the device driver operating in the at least one processor of the at least one computer to cause the card reader to operate.

2. The apparatus according to claim 1, further comprising a lookup service operating in the at least one processor of the at least one computer, wherein the at least one processor of the card reader is operative to register with the lookup service.

3. The apparatus according to claim 2, wherein the at least one processor of the card reader is operative to register with the lookup service, which includes sending data representative of the device driver to the lookup service.

4. The apparatus according to claim 3, wherein the lookup service includes a data store, wherein the lookup service is operative in the at least one processor of the at least one computer to store the data representative of the device driver in the data store.

5. The apparatus according to claim 4, wherein the automated banking machine includes a plurality of devices, wherein the plurality of devices includes the card reader and the cash dispenser, wherein the data store of the lookup service includes data representative of device drivers for each of the plurality of devices.

6. The apparatus according to claim 1, wherein the at least one processor of the at least one computer includes a virtual machine wherein the device driver is operative to execute in the virtual machine.

7. The apparatus according to claim 6, wherein the virtual machine includes a java virtual machine, wherein the device driver corresponds to a java service proxy software component.

8. The apparatus according to claim 7, wherein the service proxy software component defines methods and events usable by the at least one automated banking machine software application component to communicate with the card reader.

9. The apparatus according to claim 8, wherein the card reader includes a java virtual machine that is operative in the at least one processor of the card reader, wherein the card reader is operative to acquire a further service proxy software component associated with the at least one automated banking machine software application component, wherein the further service proxy software component is operative to execute in the java virtual machine of the card reader, wherein the card reader is operative to use the further service proxy software component to communicate with the at least one automated banking machine software application component.

10. The apparatus according to claim 9, wherein the card reader is responsive to insertion of a user card into the card reader, to read card data from the user card and to call a method of the further service proxy software component, which method passes the card data read from the user card to the at least one automated banking machine software application component.

11. The apparatus according to claim 1, wherein the cash dispenser includes at least one processor, wherein the cash dispenser includes a data store, wherein the data store includes a further device driver stored therein, wherein the at least one processor of the cash dispenser is operative to communicate the further device driver stored in the data store of the cash dispenser to the at least one processor of the at least one computer, wherein the at least one automated banking machine software application component is operative in the at least one processor of the at least one computer to cause the further device driver operating in the at least one processor of the at least one computer to cause the cash dispenser to operate.

12. The apparatus according to claim 11, wherein the automated banking machine includes at least one input device and a display device, wherein the at least one automated banking machine software application component is operative in the at least one processor of the at least one computer to cause the display device to output a graphical user interface, wherein the at least one automated banking machine software application component is operative responsive to at least one input received through operation of the at least one input device to cause the further device driver operating in the at least one processor of the at least one computer to cause the cash dispenser to dispense cash.

13. The apparatus according to claim 1, wherein the automated banking machine includes a network, wherein the at least one computer, the card reader, and the cash dispenser are in operative connection with the network.

14. Apparatus comprising:

an automated banking machine, wherein the automated banking machine is operative responsive at least in part to data read from data bearing records to cause financial transfers, wherein the automated banking machine includes;

a card reader, wherein the card reader is operative to read card data from user cards, wherein the card data corresponds to financial accounts, wherein the card reader includes at least one processor;

a cash dispenser;

at least one computer, wherein the at least one computer includes at least one processor, wherein the at least one computer includes at least one automated banking machine software application component, wherein the at least one computer includes a data store, wherein the data store includes a service proxy software component stored therein, wherein the at least one processor of the at least one card reader is operative responsive to being initially installed in the automated banking machine to register with the at least one computer and to receive responsive to registration with the at least one computer, the service proxy software component stored in the data store from the at least one processor of the at least one computer, wherein the at least one processor of the card reader is operative to call a method of the service proxy software component operating in the at least one processor of the card reader to communicate card data read from a user card to the automated banking machine software application component.

15. The apparatus according to claim 14, wherein the card reader includes a data store, wherein the data store includes the service proxy software component received from the at least one computer and further a further service proxy software component corresponding to a device driver of the card reader, wherein the at least one processor of the card reader is operative to communicate the further service proxy stored in the data store of the card reader to the at least one processor of the at least one computer, wherein the at least one automated banking machine software application component is operative in the at least one processor of the at least one computer to cause the further service proxy operating in the at least one processor of the at least one computer to cause the card reader operate.

16. The apparatus according to claim 15, wherein the automated banking machine includes at least one input device and a display device, wherein the at least one automated banking machine software application component is operative in the at least one processor of the at least one computer to cause the display device to output a graphical user interface, wherein the at least one automated banking machine software application component is operative responsive to at least one input received through operation of the at least one input device to cause the further service proxy software component operating in the at least one processor of the at least one computer to cause the card reader to operate.

17. Apparatus comprising:

an automated banking machine, wherein the automated banking machine is operative responsive at least in part to data read from data bearing records to cause financial transfers, wherein the automated banking machine includes;

a card reader, wherein the card reader is operative to read card data from user cards, wherein the card data corresponds to financial accounts, and

a cash dispenser, wherein the cash dispenser includes at least one processor, wherein the cash dispenser includes a data store, wherein the data store includes a device driver stored therein; and

at least one computer, wherein the at least one computer includes at least one processor, wherein the at least one computer includes at least one automated banking machine software application component, wherein the at least one processor of the cash dispenser is operative to communicate the device driver stored in the data store of the cash dispenser to the at least one processor of the at least one computer, wherein the at least one automated banking machine software application component is operative in the at least one processor of the at least one computer to cause the device driver operating in the at least one processor of the at least one computer to cause the cash dispenser to operate.

18. The apparatus according to claim 17, wherein the automated banking machine includes at least one input device and a display, wherein the at least one automated banking machine software application component is operative in the at least one processor of the at least one computer to cause the display to output a graphical user interface, wherein the at least one automated banking machine software application component is operative responsive at least in part to at least one input received through operation of the at least one input device to cause the device driver operating in the at least one processor of the at least one computer to cause the cash dispenser to dispense cash.