Banking system operated responsive to data read from data bearing records

• US 8,381,970 B2
• Filed: 08/04/2012
• Issued: 02/26/2013
• Est. Priority Date: 05/07/1997
• Status: Expired due to Fees

• Current Assignee: Diebold Incorporated (Diebold Nixdorf, Incorporated)
• Original Assignee: Diebold Incorporated (Diebold Nixdorf, Incorporated)
• Inventors: MEEK, JAMES, McIntyre, Daniel S., Bakerink, Allan R., DePietro, Mark, Frazzitta, Bartholomew J., Benore, Randolph C.
• Primary Examiner(s): TRAIL, ALLYSON NEEL
• Application Number:
  US13/567,022
• Publication Number:
  US 20120305641A1
• Time in Patent Office: 206 Days
• Field of Search: 235/379, 235/831, 705/10, 705/14, 705/41
• US Class Current: 235/379
• CPC Class Codes: G06Q 20/105 involving programming of a portable memory device, e.g. IC cards, "electronic purses"
• CPC Class Codes: G06Q 20/108 Remote banking, e.g. home banking
• CPC Class Codes: G06Q 20/1085 involving automatic teller machines [ATMs]
• CPC Class Codes: G06Q 20/40145 Biometric identity checks
• CPC Class Codes: G06Q 30/02 Marketing; Price estimation or determination; Fundraising
• CPC Class Codes: G06Q 30/0201 Market modelling; Market analysis; Collecting market data
• CPC Class Codes: G06Q 30/0241 Advertisements
• CPC Class Codes: G06V 30/40 Document-oriented image-based pattern recognition
• CPC Class Codes: G07F 19/20 Automatic teller machines [ATMs]
• CPC Class Codes: G07F 19/201 Accessories of ATMs
• CPC Class Codes: G07F 19/211 Software architecture within ATMs or in relation to the ATM network
• CPC Class Codes: H04N 7/18 Closed-circuit television [CCTV] systems, i.e. systems in which the video signal is not broadcast

Abstract

A system includes automated banking machines that operate responsive to data read from data bearing records. Transactions can be carried out through communication with local and remote service providers. An automated banking machine is operable to conduct transactions for machine users responsive to data read from user cards and communication with a transaction host. The machine is operable to provide output signals which drive external displays. The machine is operable to receive visual and/or audio content from remote content sources, store data corresponding to the content, and then output the content through the external displays.

Claims

1. A method involving a server associated with an automated transaction machine operable to cause financial transfers responsive at least in part to data read from data bearing records,

wherein the machine includes:

at least one reader, wherein the at least one reader is operable to read user data which corresponds to financial accounts,

a cash dispenser, wherein the cash dispenser is operable to selectively dispense cash stored in the machine to users of the machine,

at least one display,

at least one machine data store,

wherein the at least one machine data store includes data corresponding to instructions,

wherein the instructions are configured to cause the at least one computer to cause the machine to operate to carry out at least one transaction logic flow configured 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 instructions are configured to cause the machine in carrying out a first transaction to;

 

cause the at least one reader to read first user data that corresponds to a first financial account,

 

cause at least one message to be communicated to a remote financial transaction host that is operable to authorize the machine to carry out transactions,

 

wherein the at least one message includes data corresponding to the first user data,

 

cause the cash dispenser to dispense cash responsive at least in part to computer-determined correspondence between stored data and data communicated in the at least one message, and

 

cause the first financial account to be assessed a value corresponding to the cash dispensed;

wherein the machine is operable during the first transaction to;

 

be at each of a plurality of points in at least one transaction logic flow, and

 

cause the at least one display to output each of the plurality of display screen outputs when the machine is at the associated points;

wherein the server is other than the remote financial transaction host,

wherein the server is not operable to authorize the machine to carry out transactions,

wherein the method comprises;

(a) operating the server to communicate with the machine; and

(b) operating the server to cause at least one change in the at least one machine data store, wherein the at least one change includes at least one of;

(bi) changing the data corresponding to at least one point in at least one transaction logic flow; and

(bii) changing the data corresponding to at least one display screen output of the plurality of display screen outputs.

2. The method according to claim 1 wherein the machine is part of a banking system that includes a plurality of cash dispensing automated banking machines,

wherein the at least one data reader includes a card reader and a biometric reader,

wherein the machine includes the at least one computer,

wherein the at least one computer is operative to cause card data read by the card reader and card information stored in an authorized user information data store to be compared for a predetermined card relationship,

wherein the at least one computer is operative to cause biometric data read by the biometric reader and biometric information stored in the authorized user information data store to be compared for a predetermined biometric relationship,

wherein the at least one computer is operative to cause the read card data and the read biometric data to be compared for a predetermined user relationship,

and further comprising

(c) operating the card reader to read card data;

(d) operating the biometric reader to read biometric data; and

(e) operating the at least one computer to allow a machine user to request a cash dispense transaction responsive at least in part to each of;

the card data read in (c) and the card information having the predetermined card relationship,

the biometric data read in (d) and the biometric information having the predetermined biometric relationship, and

the card data read in (c) and the biometric data read in (d) having the predetermined user relationship.

3. The method according to claim 1 wherein (b) includes both (bi) and (bii).

4. The method according to claim 3 and further comprising:

(c) operating the machine to receive at least one message from the server;

(d) operating the machine responsive at least in part to the at least one message received in (c), to modify data in the at least one machine data store,

wherein the modifying includes;

modifying the at least one transaction logic flow; and

modifying the at least one display screen output.

5. The method according to claim 4 wherein (d) includes operating the machine to include in the at least one machine data store,

reader operational data corresponding to machine operation of the at least one reader, and

display screen output data that provides user instructions for operating the at least one reader.

6. The method according to claim 1 wherein (bii) includes operating the server to cause data corresponding to a further display screen output to be included in the at least one machine data store.

7. The method according to claim 6 wherein in (bii) the data corresponding to a further display screen output comprises a marketing presentation.

8. The method according to claim 6 wherein each point in the at least one transaction logic flow corresponds to a machine state,

wherein (bi) includes operating the server to cause data corresponding to a further machine state to be included in the at least one machine data store.

9. The method according to claim 8 wherein (b) includes both (bi) and (bii), and further comprising

(c) operating the server to cause data associating the further display screen output and the further machine state to be included in the at least one data store.

10. The method according to claim 9 wherein (a), (b), and (c) occur at a time other than during a transaction.

11. The method according to claim 1 wherein (bi) includes operating the server to cause data corresponding to at least one machine operation in at least one transaction logic flow, to be included in the at least one machine data store, and wherein the at least one machine operation includes operating the at least one display to provide at least one visual output.

12. The method according to claim 1 wherein (a) occurs at a time other than during a transaction, and wherein (b) occurs at a time other than during a transaction.

13. A method involving a server operable to communicate with at least one processor associated with an automated transaction machine that is operable to cause financial transfers responsive at least in part to data read from data bearing records,

wherein the machine includes at least one reader operable to read user data,

wherein the machine is configured to operate based at least in part on respective user data read by the at least one reader and a respective financial account having a computer-determined relationship, to carry out through communication with a financial transaction host, a transaction that causes a financial transfer at least one of to and from the respective financial account,

wherein the machine includes at least one display,

wherein the at least one processor is associated with at least one data store,

wherein the at least one data store includes computer executable instructions configured to cause the at least one processor to carry out with the machine, at least one transaction logic flow configured 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 processor is configured to operate during a transaction with the machine to;

cause the machine to be at each of the plurality of points, and

cause the at least one display 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 other than the financial transaction host;

wherein the method comprises;

(a) operating the server to communicate with the at least one processor associated with the automated transaction machine; and

(b) operating the server to at least one of;

(bi) cause at least one change in the at least one data store to the data corresponding to the plurality of points in the at least one transaction logic flow; and

(bii) cause at least one change in the at least one data store to the data corresponding to the plurality of display screen outputs.

14. The method according to claim 13 wherein (bii) includes operating the server to cause data corresponding to at least one display screen output to be stored in the at least one data store.

15. The method according to claim 14 wherein each point in the at least one transaction logic flow corresponds to a machine state, and wherein (bi) includes operating the server to cause data corresponding to at least one machine state to be stored in each of the machines.

16. The method according to claim 15 wherein (b) includes both (bi) and (bii),

wherein the machine is part of a banking system that includes a plurality of automated transaction machines,

wherein the machine includes a cash dispenser,

wherein the machine is operable to cause the cash dispenser to dispense cash to an authorized user responsive at least in part to transaction authorization received from the financial transaction host,

wherein the machine includes the at least one processor,

wherein the at least one data reader includes a card reader,

wherein the financial transaction host is operable to cause the read card data read and card information stored in an authorized user information data store to be compared for a predetermined card relationship,

and further comprising:

(c) operating the card reader to read card data;

(d) operating the at least one processor to communicate the card data read in (c) to the financial transaction host;

(e) operating the at least one processor to receive authorization from the financial transaction host for a cash dispense transaction, responsive at least in part to the card data read in (c) and the card information having the predetermined card relationship;

(f) responsive at least in part to (e), operating the machine to dispense cash; and

(g) operating the machine to cause a financial transfer corresponding to the cash dispensed in (f).

17. At least one computer readable medium comprising non-transitory computer executable instructions,

wherein the instructions,

when executed by a server operable to communicate with at least one processor associated with an automated transaction machine that is operable to cause financial transfers responsive at least in part to data read from data bearing records,

wherein the machine includes at least one reader operable to read user data,

wherein the machine is configured to operate based at least in part on respective user data read by the at least one reader and a respective financial account having a computer-determined relationship, to carry out through communication with a financial transaction host, a transaction that causes a financial transfer at least one of to and from the respective financial account,

wherein the machine includes at least one display,

wherein the at least one processor is associated with at least one data store,

wherein the at least one data store includes computer executable instructions configured to cause the at least one processor to carry out with the machine, at least one transaction logic flow configured 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 processor is configured to operate during a transaction with the machine to;

cause the machine to be at each of the plurality of points, and

cause the at least one display 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 other than the financial transaction host;

cause the server to carry out a method comprising;

(a) operating the server to communicate with the at least one processor associated with the automated transaction machine; and

(b) operating the server to at least one of;

(bi) cause at least one change in the at least one data store to the data corresponding to the plurality of points in the at least one transaction logic flow; and

(bii) cause at least one change in the at least one data store to the data corresponding to the plurality of display screen outputs.

18. The at least one computer readable medium according to claim 17 wherein (bii) includes operating the server to cause data corresponding to at least one display screen output to be stored in the at least one data store.

19. The at least one computer readable medium according to claim 18 wherein each point in the at least one transaction logic flow corresponds to a machine state, and wherein (bi) includes operating the server to cause data corresponding to at least one machine state to be stored in each of the machines.

20. The at least one computer readable medium according to claim 19 wherein (b) includes both (bi) and (bii),

wherein the machine is part of a banking system that includes a plurality of automated transaction machines,

wherein the machine includes a cash dispenser,

wherein the machine is operable to cause the cash dispenser to dispense cash to an authorized user responsive at least in part to transaction authorization received from the financial transaction host,

wherein the machine includes the at least one processor,

wherein the at least one data reader includes a card reader,

wherein the financial transaction host is operable to cause the read card data read and card information stored in an authorized user information data store to be compared for a predetermined card relationship,

and wherein the method further comprises:

(c) operating the card reader to read card data;

(d) operating the at least one processor to communicate the card data read in (c) to the financial transaction host;

(e) operating the at least one processor to receive authorization from the financial transaction host for a cash dispense transaction, responsive at least in part to the card data read in (c) and the card information having the predetermined card relationship;

(f) responsive at least in part to (e), operating the machine to dispense cash; and

(g) operating the machine to cause a financial transfer corresponding to the cash dispensed in (f).