Card activated cash dispensing automated banking machine system and method

• US 8,281,989 B2
• Filed: 10/07/2011
• Issued: 10/09/2012
• Est. Priority Date: 04/17/1998
• Status: Expired due to Fees

• 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:
  US13/317,087
• Publication Number:
  US 20120031966A1
• Time in Patent Office: 368 Days
• Field of Search: 235/379, 235/382, 235/376, 235/380, 235/382.5, 235/472.01, 705/5, 705/30, 705/35, 705/42, 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 20/1085 involving automatic teller machines [ATMs]
• CPC Class Codes: G06Q 20/18 involving self-service terminals [SST], vending machines, kiosks or multimedia terminals
• CPC Class Codes: G06Q 20/3223 Realising banking transactions through M-devices
• CPC Class Codes: G06Q 20/326 Payment applications installed on the mobile devices
• CPC Class Codes: G06Q 20/327 Short range or proximity payments by means of M-devices
• 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 17/16 for devices exhibiting advertisements, announcements, pictures or the like
• CPC Class Codes: G07F 19/20 Automatic teller machines [ATMs]
• CPC Class Codes: G07F 19/203 Dispensing operations within ATMs dispensing in general G07D11/00
• CPC Class Codes: G07F 19/211 Software architecture within ATMs or in relation to the ATM network
• 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. While a user operates the system to dispense cash or perform other banking operations, the system may further permit at least one portable wireless device to wirelessly access the system to conduct transactions.

Claims

1. At least one article including computer executable instructions configured to cause at least one computer associated with an automated banking machine operative to cause financial transfers, to carry out a method comprising:

(a) operating the at least one computer to cause the machine to make an interface application available to mobile phones of machine customers,

wherein the machine includes at least one reader,

wherein the at least one reader is operative to read customer data usable to identify a financial account,

wherein the machine includes a cash dispenser operative to dispense cash from the machine,

wherein the machine includes at least one wireless network port,

wherein the at least one computer is configured to cause the machine to make the interface application available through the at least one wireless network port,

wherein the interface application allows a plurality of interface display screens to be respectively viewed through a display of a mobile phone having the interface application thereon,

wherein the interface application causes the at least one reader to read information wirelessly communicated from the mobile phone, responsive at least in part to user input provided to at least one of the interface display screens by a phone user,

wherein the interface display screens allow the phone user to wirelessly communicate to the at least one reader, financial account information,

wherein the interface display screens allow the phone user to wirelessly communicate to the at least one reader, a selection from a plurality of selectable machine transactions,

 

wherein the plurality of selectable transactions include a cash withdrawal transaction,

wherein the interface display screens allow the phone user to wirelessly communicate to the at least one reader, a requested amount of cash,

wherein the interface application causes the machine to operate the cash dispenser to dispense cash corresponding to the requested amount of cash, responsive at least in part to phone user input to the at least one interface display screen of each of

the financial account information,

the selection of a cash withdrawal transaction, and

the requested amount of cash;

(b) operating the at least one computer to cause the at least one reader to read

financial account information, a cash withdrawal transaction selection, and a requested amount of cash,

communicated from phone responsive to user input to the interface application; and

(c) operating the at least one computer to cause the cash dispenser to dispense cash corresponding to the requested amount of cash, responsive to the reading in (b).

2. The at least one article according to claim 1 wherein the machine is part of a banking system including a plurality of automated banking machines, wherein each automated banking machine includes a card reader, a biometric reader, and a cash dispenser, and further comprising:

(d) operating the at least one computer to cause the card reader of the machine to read card data from the user card;

(e) operating the at least one computer to cause the biometric reader of the machine to read user biometric data;

(f) operating the at least one computer to authorize a user to use the machine to carry out a cash dispensing transaction responsive at least in part to both

computer-determined correspondence between the card data read in (e) and stored card information, and

computer-determined correspondence between user biometric data read in (f) and stored biometric information.

3. The at least one article according to claim 1 wherein in (a)-(c) the automated banking machine includes the at least one computer.

4. The at least one article according to claim 1 and further comprising:

(d) operating the at least one computer to cause the machine to present at least one of the interface display screens through a display device of the machine.

5. The at least one article according to claim 1

wherein the automated banking machine includes a user interface,

wherein the user interface includes at least one user input device,

wherein the machine is operative to receive input corresponding to

the financial account information, the cash withdrawal transaction selection, and the requested amount of cash,

through both the interface application and the at least one user input device,

and further comprising:

(d) operating the at least one computer to cause the machine to receive input through the at least one input device.

6. The at least one article according to claim 1 wherein (a) includes operating the at least one computer to cause the machine to make the interface application available to mobile phones of customers authorized to use the machine to carry out transactions.

7. The at least one article according to claim 1 and further comprising:

(d) prior to (b), operating at least one computer to cause the machine to initiate a user session with the machine user responsive to input to the mobile phone.

8. At least one article including computer executable instructions configured to cause at least one computer associated with an automated banking machine including at least one reader, a cash dispenser, and at least one wireless network port, to carry out a method comprising:

(a) operating the at least one computer to cause the at least one reader to wirelessly receive financial account information from a mobile phone of a machine user during a user session with the machine, responsive to financial account information provided through user input to at least one of a plurality of interface display screens available through an automated banking machine user interface application on the mobile phone,

wherein the at least one computer is operable to cause the machine to make the user interface application available to mobile phones through the at least one wireless network port;

(b) operating the at least one computer to cause the at least one reader to wirelessly receive a user request for a cash withdrawal transaction from the mobile phone, responsive to transaction selection provided through user input to at least one of the plurality of interface display screens;

(c) operating the at least one computer to cause the at least one reader to wirelessly receive a cash withdrawal amount from the mobile phone, responsive to a cash amount provided through user input to at least one of the plurality of interface display screens; and

(d) operating the at least one computer to cause the cash dispenser to dispense a value of cash associated with the cash amount, responsive to (a), (b), and (c).

9. The at least one article according to claim 8 and further comprising:

(e) operating the at least one computer to cause the machine to output the user interface application to at least one mobile phone.

10. The at least one article according to claim 9 wherein a mobile phone in (e) comprises the mobile phone from which the financial account information was received in (a), and wherein (e) is prior to (a).

11. The at least one article according to claim 8 and further comprising:

(e) prior to (a), operating at least one computer to cause the machine to initiate the user session with the machine user responsive to input to the mobile phone.

12. At least one article including computer executable instructions configured to cause at least one computer associated with an automated transaction machine, to carry out a method comprising:

(a) operating the at least one computer to cause the at least one reader of the automated transaction machine to wirelessly receive financial account information from a mobile phone of a machine user during a user session with the machine, responsive at least in part to financial account information provided through user input to at least one of a plurality of interface display screens available through an automated transaction machine user interface application on the mobile phone,

wherein the machine includes at least one wireless network port which allows the machine to wirelessly communicate with mobile phones of machine customers,

wherein the at least one computer is operable to cause the machine to make the user interface application available through the at least one wireless network port to mobile phones,

wherein the user interface application allows a plurality of interface display screens to be respectively viewed through a display of a mobile phone having the user interface application thereon,

wherein the plurality of interface display screens include each of

at least one financial account information input screen, which allows the phone user to wirelessly communicate financial account information to the at least one reader,

at least one transaction selection input screen, which allows the phone user to wirelessly communicate a transaction selection to the at least one reader,

at least one transaction amount input screen, which allows the phone user to wirelessly communicate to the at least one reader, an amount associated with a transaction selection,

wherein the at least one computer is operable to cause the at least one reader to wirelessly receive the financial account information responsive at least in part to phone user input to the at least one financial account information input screen;

(b) operating the at least one computer to cause the at least one reader to wirelessly receive a transaction selection from the mobile phone, responsive at least in part to phone user input to the at least one transaction selection input screen;

(c) operating the at least one computer to cause the at least one reader to wirelessly receive an amount associated with the transaction selection received in (b) from the mobile phone, responsive at least in part to phone user input to the at least one transaction amount input screen; and

(d) subsequent to (a)-(c), operating the at least one computer to cause the machine to carry out

with an account corresponding to the financial account information received in (a),

a transaction corresponding to the transaction selection received in (b),

involving the amount received in (c).

13. The at least one article according to claim 12

wherein in (a) the at least one transaction selection input screen allows the phone user to wirelessly communicate a cash withdrawal transaction selection to the at least one reader.

14. The at least one article according to claim 13 wherein the machine includes a cash dispenser,

wherein (b) includes operating the at least one computer to cause the at least one reader to wirelessly receive a cash withdrawal transaction selection from the mobile phone,

wherein (d) includes operating the at least one computer to cause the cash dispenser to dispense a value of cash associated with the amount received in (c).

15. The at least one article according to claim 12 wherein in (a) the at least one transaction selection input screen allows the phone user to wirelessly communicate a check cashing transaction selection to the at least one reader.

16. The at least one article according to claim 15 wherein the machine includes a cash dispenser,

wherein (b) includes operating the at least one computer to cause the at least one reader to wirelessly receive a check cashing transaction selection from the mobile phone.

17. The at least one article according to claim 16 wherein (c) includes operating the at least one computer to cause the at least one reader to wirelessly receive an amount associated with a check,

wherein (d) includes operating the at least one computer to cause the cash dispenser to dispense a value of cash associated with the amount received in (c).

18. The at least one article according to claim 17 and further comprising:

(e) operating at least one computer to cause the machine to receive the check.

19. The at least one article according to claim 12 and further comprising:

(e) prior to (a), operating at least one computer to cause the machine to initiate the user session with the machine user responsive to input to the mobile phone.

20. The at least one article according to claim 12 and further comprising:

(e) operating the at least one computer to cause the machine to make the user interface application available through the at least one wireless network port to mobile phones.