Banking system controlled responsive to data bearing records

• US 8,365,985 B1
• Filed: 04/11/2011
• Issued: 02/05/2013
• Est. Priority Date: 04/12/2010
• Status: Active Grant

• Current Assignee: Diebold Nixdorf, Incorporated
• Original Assignee: Diebold Self-Service Systems (Diebold Nixdorf, Incorporated)
• Inventors: Meek, James, Billett, Nick, Kropf, Mark, McClain, Brian, Konecny, Robert, Devarasetty, Balaji
• Primary Examiner(s): Labaze, Edwyn
• Application Number:
  US13/066,272
• Time in Patent Office: 666 Days
• Field of Search: 235/379, 235/375, 235/382, 235/382.5, 235/380, 235/376, 705 42- 43, 705/5, 705/30
• US Class Current: 235/379
• CPC Class Codes: G06Q 20/108 Remote banking, e.g. home banking
• CPC Class Codes: G07F 19/206 Software aspects at ATMs
• CPC Class Codes: G07F 19/211 Software architecture within ATMs or in relation to the ATM network

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 may also include a portal device that is operative to cause the display, card reader and other devices in the machine to operate in response to communications through the portal device.

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,

a consumer display,

a cash dispenser,

a keypad,

a receipt printer,

a servicer display,

at least one servicer operable input device,

a portal device, wherein the portal device includes a plurality of device ports including at least two display ports, and at least one network port,

wherein each of the card reader, cash dispenser, keypad, receipt printer, and at least one servicer operable input device are in operative connection with respective ones of the device ports,

wherein the customer display and the servicer display are in operative connection with respective ones of the display ports,

wherein the at least one network port is operative to communicate through a network with a remote computer,

wherein the customer display is operative to provide customer outputs responsive to communications with the remote computer through the portal device,

wherein the card reader operates to read card data from a user card responsive to communications with the remote computer through the portal device, and

wherein the servicer display is operative to provide servicer outputs responsive to communication with the remote computer through the portal device.

2. The apparatus according to claim 1,

wherein the at least one servicer operable input device is operative to receive at least one first servicer input, wherein the portal device is operative to communicate the at least one first servicer input to the remote computer through the portal device,

wherein the portal device is operative to receive at least one first responsive communication from the remote computer responsive at least in part to the at least one first servicer input, wherein the at least one first responsive communication causes the consumer display to provide at least one visual output indicative that the automated banking machine is out of service.

3. The apparatus according to claim 2,

wherein the portal device is operative to receive at least one second responsive communication from the remote computer responsive at least in part to the at least one first servicer input,

wherein the at least one second responsive communication is operative to cause the servicer display to provide at least one output indicating service options.

4. The apparatus according to claim 2,

wherein the at least one servicer operable input device is operative to receive at least one second servicer input,

wherein the portal device is operative to communicate the at least one second servicer input to the remote computer,

wherein the portal device is operative to receive at least one second responsive communication from the remote computer responsive at least in part to the at least one second servicer input,

wherein the at least one second responsive communication is communicated to one of the card reader, the keypad, the cash dispenser, and the receipt printer.

5. The apparatus according to claim 4, wherein the at least one second responsive communication is operative to cause operation of the one of the card reader, the keypad, the cash dispenser, and the receipt printer.

6. The apparatus according to claim 4, wherein the at least one second responsive communication is operative to cause the one of the card reader, the keypad, the cash dispenser, and the receipt printer to output at least one device communication including device status data, wherein the portal device is operative to communicate the at least one device communication to the remote computer.

7. The apparatus according to claim 6,

wherein the portal device is operative to receive at least one third responsive communication from the remote computer responsive at least in part to the at least one device communication,

wherein the at least one third responsive communication is operative to cause the servicer display to output indicia corresponding to at least some of the status data.

8. The apparatus according to claim 4, wherein the at least one second responsive communication is operative to cause a change in at least one configuration parameter of the one of the card reader, the keypad, the cash dispenser, and the receipt printer.

9. The apparatus according to claim 4,

wherein the banking machine further includes a token device interface,

wherein the token device interface is in operative connection with a device port,

wherein the token device interface is configured to communicate with a servicer authorization token, wherein the servicer authorization token is releasably operatively connectable with the token device interface,

wherein the portal device is operative to communicate token data from the servicer authorization token to the remote computer.

10. The apparatus according to claim 9,

wherein the portal device is operative to receive at least one third responsive communication from the remote computer responsive at least in part to the token data,

wherein the at least one third responsive communication is operative to enable at least one service activity at the machine.

11. The apparatus according to claim 9,

wherein the at least one portal device is operative to receive at least one third responsive communication from the remote computer responsive at least in part to the token data,

wherein the at least one third responsive communication from the remote computer is operative to cause the servicer display to output indicia to prompt input of at least one servicer identifying input.

12. The apparatus according to claim 11,

wherein the at least one servicer operable input device is operative to receive at least one servicer identifying input,

wherein the portal device is operative to communicate the at least one servicer identifying input through the portal device to the remote computer.

13. The apparatus according to claim 12,

wherein the portal device is operative to receive at least one fourth responsive communication from the remote computer responsive at least in part to the at least one servicer identifying input,

wherein the at least one fourth responsive communication is operative to enable at least one service activity at the machine.

14. The apparatus according to claim 9, wherein the at least one network port is in operative connection with a TCP/IP network, and wherein the portal device communicates with the remote computer through the TCP/IP network.

15. The apparatus according to claim 14, wherein the plurality of device ports includes a plurality of universal serial bus (USB) ports, wherein each of the card reader, the keypad, the cash dispenser, and receipt printer is connected to a respective one of the USB ports.

16. The apparatus according to claim 15, wherein the portal device is operative to carry out a remote client protocol with the remote computer which includes sending and receiving USB communications.

17. The apparatus according to claim 16,

wherein at least one of the card reader, the keypad, the cash dispenser, and the receipt printer includes a legacy bus communications port,

wherein the automated banking machine includes at least one communication module operatively connected between the legacy bus communication port and the at least one USB port of the portal device,

wherein the at least one communication module is operative to convert USB communications from the USB port to legacy bus communications compatible with the at least one device, and wherein the at least one communication module is operative to convert legacy bus communications from the device to USB communications compatible with the USB port of the portal device.

18. The apparatus according to claim 17, wherein the legacy bus communications port is configured to communicate with at least one of a Diebold Express Bus™

bus and an RS-485 bus.

19. The apparatus according to claim 16, wherein the portal device is operative to communicate with a plurality of software device drivers and at least one automated banking machine software application operating on the remote computer.

20. The apparatus according to claim 16, wherein the portal device is operative to communicate with at least one automated banking machine virtual machine operating on the remote computer.

21. The apparatus according to claim 16, and further comprising the remote computer, wherein the remote computer is operative to cause the automated banking machine to operate to dispense cash responsive at least in part to communication with a financial host computer, wherein the financial host computer is remote from both the automated banking machine and the remote computer.

22. The apparatus according to claim 1, wherein the at least one network port is in operative connection with a TCP/IP network, wherein the portal device communicates with the remote computer through the TCP/IP network.

23. The apparatus according to claim 14, wherein the plurality of device ports includes a plurality of universal serial bus (USB) ports, wherein each of the card reader, the keypad, the cash dispenser, and the receipt printer is connected to a respective one of the USB ports.

24. The apparatus according to claim 23, wherein the portal device is operative to carry out a remote client protocol with the remote computer which includes sending and receiving USB communications.

25. The apparatus according to claim 1, and further comprising the remote computer, wherein the remote computer is operative to cause the automated banking machine to operate to dispense cash responsive to communication with a financial host computer, wherein the financial host computer is remote from both the automated banking machine and the remote computer.

26. The apparatus according to claim 1, wherein the card reader operates to read card data from a user card responsive to device bus communications communicated with the remote computer through operation of the portal device.

27. 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,

at least one display,

a cash dispenser,

a keypad,

a receipt printer, and

a portal device, wherein the portal device includes a network port and a plurality of device ports,

wherein each of the card reader, cash dispenser, keypad, receipt printer, and at least one display are in operative connection with the device ports of the portal device,

wherein the portal device is operative to communicate with a remote computer through a network in operative connection with the network port,

wherein the at least one display is operative to provide visible outputs responsive to communications with the remote computer through the portal device,

wherein the card reader is operative to communicate device bus communications to the portal device,

wherein the portal device is operative to communicate through the network the device bus communications received from the card reader to the remote computer, and

wherein the card reader operates to read card data from a user card responsive to device bus communications received from the remote computer through the portal device.

28. The apparatus according to claim 27, wherein the device bus communications include USB communications.