Banking system operated responsive to data bearing records

• US 8,413,889 B1
• Filed: 07/27/2010
• Issued: 04/09/2013
• Est. Priority Date: 11/27/1998
• Status: Expired due to Fees

• Current Assignee: Diebold Nixdorf, Incorporated
• Original Assignee: Diebold Incorporated (Diebold Nixdorf, Incorporated)
• Inventors: Shimek, Gregory, Knowles, Edith, McCoy, Donald P., Reinart, Mark, Jiang, Changning, Kravitz, Lee, DiFrango, Ron, Prakash, Alok, Hemlick, William, Devarasetty, Balaji, Gill, Robert Bradley, Billett, Nick, St. George, Peter, Koran, Ken, Lee, Anthony, MEEK, JAMES, Singer, Irek, O'Boyle, Michael, Symonds, Robert D., Butler, Theresa
• Primary Examiner(s): Le, Thien M
• Assistant Examiner(s): JOHNSON, SONJI N
• Application Number:
  US12/844,377
• Time in Patent Office: 987 Days
• Field of Search: None
• US Class Current: 235/379
• CPC Class Codes: G06Q 20/1085 involving automatic teller machines [ATMs]
• CPC Class Codes: G06Q 30/0241 Advertisements
• CPC Class Codes: G07F 19/20 Automatic teller machines [ATMs]
• 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
• CPC Class Codes: G07F 7/08 by coded identity card or credit card or other personal identification means without personal verification means G07F7/02
• CPC Class Codes: G07F 9/023 Arrangements for display, data presentation or advertising

Abstract

A system includes a plurality of machines that operate responsive to data bearing records such as user cards (74, 76, 78, 80, 82, 84, 86). The machines operate to carry out financial transactions with associated host computers (90, 94, 100, 104) responsive to determinations that card data corresponds to computer stored data corresponding to authorized users or accounts. Marketing presentations are stored on and output from the machines responsive to messages exchanged with a market message server (110) which is connected to the machines. Systems can also distribute and activate instructions corresponding to states and screens logic on the machines to determine operation.

Claims

1. Method comprising:

(a) operating an automated banking machine outside of a transaction, to receive communication from a remote server that is not operable to authorize machine transactions,

wherein the machine includes at least one display,

wherein the machine is configured to communicate in carrying out a transaction, with a remote financial transaction host that is operable to authorize machine transactions,

wherein the machine is configured to follow different states of a transaction in carrying out the transaction,

wherein the machine includes at least one data store,

wherein the at least one data store includes;

data corresponding to the different states of the transaction,

data corresponding to graphical display screens, and

data correlating different graphical display screens with different states of the transaction;

(b) responsive at least in part to (a), operating the machine to cause modification to data in the at least one data store,

wherein the modification causes a change in at least one of;

the data corresponding to the different states of the transaction,

the data corresponding to graphical display screens, and

the data correlating different graphical display screens with different states of the transaction; and

(c) subsequent to (b), operating the machine during a transaction to cause to be displayed through the at least one display, based at least in part on a then current state of the transaction, at least one graphical display screen that is correlated in the at least one data store with the then current state.

2. The method according to claim 1

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

wherein the machine includes a cash dispenser operable to dispense cash,

wherein (c) includes operating the machine to display at least one graphical display screen associated with dispensing cash from the machine through operation of the cash dispenser, responsive at least in part to the user data read by the at least one data reader corresponding to an authorized user of the machine.

3. The method according to claim 1 wherein (a) includes receiving the communication through a communication path that is independent of the remote financial transaction host.

4. The method according to claim 1 wherein in (a) the at least one data store does not include data corresponding to the at least one graphical display screen that is caused to be displayed in (c).

5. The method according to claim 1 wherein (b) includes operating the machine to cause data corresponding to at least one additional graphical display screen to be included in the at least one data store.

6. The method according to claim 5 wherein (c) includes operating the machine to cause the at least one additional graphical display screen to be displayed through the at least one display.

7. The method according to claim 6 wherein the at least one additional display screen includes user instructions for operation of the machine, wherein (c) includes operating the machine to display the user instructions.

8. The method according to claim 1 wherein (b) includes causing a change in the data corresponding to the different states of the transaction.

9. The method according to claim 1 wherein (b) includes causing a change in the data corresponding to graphical display screens.

10. The method according to claim 1

wherein in (a) the data corresponding to the different states of the transaction includes data corresponding to a first arrangement of transaction logic flow steps,

wherein in (b) the data corresponding to the different states of the transaction includes data corresponding to a second arrangement of transaction logic flow steps,

wherein the second arrangement differs from the first arrangement.

11. The method according to claim 10 wherein in (b) the modification causes the first arrangement to be replaced by the second arrangement.

12. Method comprising:

(a) operating an automated banking machine in carrying out a first transaction according to a first arrangement of transaction logic flow steps,

wherein the machine includes at least one display,

wherein the machine includes at least one data store,

wherein the at least one data store includes data corresponding to the first arrangement,

wherein the at least one data store includes data corresponding to a plurality of display screens associated with the steps of the first arrangement,

wherein the operating includes receiving communication from a remote financial transaction host operable to authorize the machine to carry out the first transaction;

(b) operating the machine not during a transaction, to receive communication from a remote server that is not operable to authorize the machine to carry out transactions,

wherein the communication causes the at least one data store to include;

data corresponding to a second arrangement of transaction logic flow steps,

wherein the second arrangement differs from the first arrangement, and

data corresponding to a plurality of display screens associated with the steps of the second arrangement; and

(c) operating the machine in carrying out a second transaction according to the second arrangement,

wherein the operating includes receiving communication from a remote financial transaction host operable to authorize the machine to carry out the second transaction.

13. The method according to claim 12

wherein the machine includes

at least one data reader operable to read user data corresponding to financial accounts,

a printer operable to print records corresponding to operations carried out by the machine,

a cash dispenser operable to dispense cash, and

wherein the at least one display is operable to output to machine users, display screens associated with steps of arrangements of transaction logic flow steps,

wherein (a) includes reading user data through operation of the at least one data reader.

14. The method according to claim 13 wherein the machine is part of a banking system that includes a plurality of cash dispensing automated banking machines, wherein in each machine is operable to communicate with the remote server,

wherein (b) includes receiving the communication through a communication path that is independent of a remote financial transaction host.

15. The method according to claim 13 wherein (a) includes dispensing cash from the machine through operation of the cash dispenser, responsive at least in part to the read user data corresponding to an authorized user of the machine.

16. The method according to claim 12 wherein in (b) the communication causes the first arrangement to be replaced by the second arrangement in the at least one data store.

17. The method according to claim 12 wherein in (b) the communication causes data corresponding to at least one additional display screen to be included in the at least one data store.

18. The method according to claim 17 wherein in (c) the operating includes outputting the at least one additional display screen through the at least one display.

19. The method according to claim 18 wherein the at least one additional display screen includes user instructions for operation of the machine, wherein in (c) the operating includes outputting the user instructions.

20. The method according to claim 12 wherein in (a) the steps of the first arrangement correspond to machine states, and wherein in (a) the data corresponding to the first arrangement comprises data corresponding to the machine states.

21. The method according to claim 20 wherein in (b) the communication causes data corresponding to at least one additional machine state to be included in the at least one data store.