Banking system operated responsive to data read from data bearing records
First Claim
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.
3 Assignments
0 Petitions
Accused Products
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.
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Citations
20 Claims
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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. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12)
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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. - View Dependent Claims (14, 15, 16)
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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. - View Dependent Claims (18, 19, 20)
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Specification