Banking apparatus controlled responsive to data bearing records
First Claim
Patent Images
1. Apparatus comprising:
- an automated banking machine, wherein the automated banking machine is operative responsive 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 display;
a cash dispenser;
a keypad; and
a receipt printer; and
at least one processor, wherein the at least one processor is operative to communicate with the card reader, the display, the cash dispenser, the keypad, and the receipt printer, wherein the at least one processor is responsive to data read from the user card through operation of the card reader to determine information usable to establish wireless communications with an external wireless device that is operative to output audible sounds responsive to the wireless communications, which wireless communications include audio signals with verbal instructions describing respectively different inputs that when received through operation of the keypad, cause the automated banking machine to carry out respectively different functions.
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Abstract
An automated banking machine operates to cause financial transfers responsive to data read from data bearing records. The automated banking machine includes a card reader operative to read card data from user cards corresponding to financial accounts. The automated banking machine includes a display and a printer to produce records of financial transactions carried out with the machine. The automated banking machine is operative to output a visual and audible user interface which enables a consumer to operate the machine. The exemplary machine may output secure verbal instructions through a wireless headphone placed in operative connection with the machine.
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Citations
19 Claims
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1. Apparatus comprising:
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an automated banking machine, wherein the automated banking machine is operative responsive 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 display; a cash dispenser; a keypad; and a receipt printer; and at least one processor, wherein the at least one processor is operative to communicate with the card reader, the display, the cash dispenser, the keypad, and the receipt printer, wherein the at least one processor is responsive to data read from the user card through operation of the card reader to determine information usable to establish wireless communications with an external wireless device that is operative to output audible sounds responsive to the wireless communications, which wireless communications include audio signals with verbal instructions describing respectively different inputs that when received through operation of the keypad, cause the automated banking machine to carry out respectively different functions. - View Dependent Claims (2, 3, 4)
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5. Apparatus comprising:
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an automated banking machine, wherein the automated banking machine is operative responsive 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; a display; a cash dispenser; a keypad; a headphone jack; a receipt printer; and a wireless communication device; and at least one processor, wherein the at least one processor is operative to communicate with the card reader, the display, the cash dispenser, the keypad, the receipt printer, and the wireless communication device, wherein the at least one processor is operatively configured to cause the wireless communication device to carry out wireless communications with an external wireless device that is operative to output audible sounds responsive to the wireless communications, which wireless communications include audio signals with verbal instructions describing respectively different inputs that when received through operation of the keypad, cause the automated banking machine to carry out respectively different functions. - View Dependent Claims (6, 7, 8, 9, 10, 11, 12, 13)
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14. Apparatus comprising:
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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; a display; a cash dispenser; a keypad; a receipt printer; and a wireless communication device; and at least one processor, wherein the at least one processor is operative to communicate with the card reader, the display, the cash dispenser, the keypad, the receipt printer, and the wireless communication device, wherein the at least one processor is operatively configured to cause the wireless communication device to carry out wireless communications with an external wireless device that is operative to output audible sounds responsive at least in part to the wireless communications, which wireless communications include audio signals with verbal instructions describing respectively different inputs that when received through operation of the keypad, cause the automated banking machine to carry out respectively different functions, wherein the at least one processor is to operate to carry out a handshaking protocol with the external wireless device to establish wireless encrypted communications with the external wireless device, which protocol enables the external wireless device to decrypt the audio signals included in the wireless encrypted communications, wherein the at least one processor is operative to establish wireless encrypted communications with the external wireless device responsive at least in part to data read from a user card through operation of the card reader. - View Dependent Claims (15, 16)
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17. Apparatus comprising:
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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 plurality of input devices including; 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 keypad; a display; a cash dispenser; and a receipt printer; and at least one processor, wherein the at least one processor is operative to communicate with the input devices, the display, the cash dispenser, and the receipt printer, wherein the at least one processor is operative responsive at least in part to an input received through operation of at least one of the input devices to determine information usable to establish wireless communications with an external wireless device that is operative to output audible sounds responsive at least in part to the wireless communications, which wireless communications include audio signals with verbal instructions describing respectively different inputs that when received through operation of the keypad, cause the automated banking machine to carry out respectively different functions. - View Dependent Claims (18, 19)
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Specification