Automated banking machine controlled responsive to data bearing records

• US 8,430,306 B1
• Filed: 07/27/2012
• Issued: 04/30/2013
• Est. Priority Date: 11/27/1998
• Status: Expired due to Term

• Current Assignee: Diebold Nixdorf, Incorporated
• Original Assignee: Diebold Incorporated (Diebold Nixdorf, Incorporated)
• Inventors: MEEK, JAMES
• Primary Examiner(s): Labaze, Edwyn
• Application Number:
  US13/559,666
• Time in Patent Office: 277 Days
• Field of Search: 235/379, 235/375, 235/381, 235/487, 705 42- 45, 902 4- 14
• US Class Current: 235/379
• 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 30/02 Marketing; Price estimation or determination; Fundraising
• 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

Abstract

An automated banking machine can operate to cause financial transfers responsive to data read from data bearing records. The machine includes a card reader that can read a user identifier from a magnetic stripe of the user'"'"'s card. Financial transfers are carried out responsive to machine communication with a transaction host computer. The machine also sends the read user identifier to a remote marketing computer. The marketing computer uses the user identifier to determine the next marketing presentation in a marketing campaign that is to be presented to the user. Responsive to a message received from the marketing computer, the machine operates to display the determined next marketing presentation to the user. The marketing campaign includes a sequence of presentations to be output in a predetermined order to the user.

Claims

1. Apparatus comprising:

an automated transaction machine operable responsive at least in part to data read from data bearing records to cause financial transfers,

wherein the machine includes at least one data reader,

wherein the at least one data reader is operable to read customer data usable to identify a financial account,

wherein the machine is associated with at least one processor,

wherein the at least one processor is operative to communicate with a financial transaction host that is both remotely located from the machine and operable to authorize the machine to carry out requested financial transactions,

wherein the at least one processor is operative to cause customer data read by the at least one data reader to be communicated to the financial transaction host,

wherein the at least one processor is operative independent of communication with the financial transaction host, to communicate with a determining computer that is remotely located from both the machine and the financial transaction host,

wherein the at least one processor is operative to cause customer data read by the at least one data reader to be communicated to the determining computer,

wherein the at least one processor is operative to receive from the determining computer, a reply message that is based at least in part on the customer data,

wherein the at least one processor is operative,

responsive at least in part to both

receiving the reply message,

and

the financial transaction host authorizing the machine to carry out a requested financial transaction,

to cause the machine to carry out the requested financial transaction.

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

wherein each machine includes a card reader, a biometric reader, and a machine controller,

wherein each machine controller is associated with the financial transaction host,

wherein each machine controller is operative to cause read card data to be compared with card information stored in an authorized machine user information data store,

wherein each machine controller is operative to cause read biometric data to be compared with biometric information stored in the authorized machine user information data store,

wherein each machine controller is operative to carry out a cash dispense transaction responsive at least in part to each of:

computer-determined correspondence between the read card data and stored card information,

computer-determined correspondence between the read biometric data and stored biometric information, and

computer-determined correspondence between the read card data and the read biometric data.

3. The apparatus according to claim 2 wherein the machine controller of the machine comprises the at least one processor.

4. The apparatus according to claim 1 wherein the at least one data reader includes a card reader, wherein the machine includes a cash dispenser,

wherein the at least one processor is operative to cause the cash dispenser to dispense cash from the machine to an authorized customer of the machine during a cash dispense transaction authorized by the financial transaction host.

5. The apparatus according to claim 4 wherein the machine includes a display, wherein the determining computer comprises a marketing computer, wherein the reply message indicates a particular marketing presentation that is to be output through the display to the customer,

wherein the at least one processor is operative subsequent to output of the particular marketing presentation to the customer, to cause the machine to carry out the financial transaction authorized by the financial transaction host.

6. The apparatus according to claim 1 wherein the machine includes a display, wherein the at least one processor is operative responsive at least in part to receiving the reply message, to cause the display to output at least one message.

7. The apparatus according to claim 6 wherein the reply message indicates a particular marketing presentation that is to be output through the display to the customer wherein the at least one processor is operative responsive at least in part to receiving the reply message, to cause the display to output the particular marketing presentation.

8. The apparatus according to claim 6 wherein the at least one processor is operative to cause the display to output the at least one message prior to the machine carrying out the financial transaction.

9. The apparatus according to claim 6 wherein the at least one processor is operative to cause the display to output the at least one message prior to the machine finishing the financial transaction.

10. The apparatus according to claim 6 wherein the at least one processor is operative to cause the display to output the at least one message prior to the financial transaction being authorized by the financial transaction host.

11. A method carried out in connection with an automated transaction machine operable to cause financial transfers responsive at least in part to data read from data bearing records, comprising:

(a) operating at least one processor associated with the automated transaction machine,

wherein the machine includes at least one data reader,

wherein the at least one data reader is operable to read customer data usable to identify a financial account,

wherein the at least one processor is operative to communicate with a financial transaction host that is both remotely located from the machine and operable to authorize the machine to carry out requested financial transactions,

wherein the at least one processor is operative to cause customer data read by the at least one data reader to be communicated to the financial transaction host,

wherein the at least one processor is operative independent of communication with the financial transaction host, to communicate with a determining computer that is remotely located from both the machine and the financial transaction host,

to cause customer data read by the at least one data reader to be communicated to the determining computer;

(b) operating the at least one processor to receive from the determining computer, a reply message that is based at least in part on the customer data communicated in (a); and

(c) operating the at least one processor

responsive at least in part to both

the reply message received in (b), and

the financial transaction host authorizing the machine to carry out a requested financial transaction,

to cause the machine to carry out the requested financial transaction.

12. The method according to claim 11 wherein the machine is part of a banking system,

wherein the machine includes the at least one processor,

wherein the machine includes a cash dispenser,

wherein the at least one data reader includes both

a card reader, and

a biometric reader,

wherein the at least one processor is operative during a financial transaction to

cause card data to be read through operation of the card reader, and

cause biometric data to be read through operation of the biometric reader,

and further comprising:

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

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

(f) operating the at least one processor to allow the machine to carry out a financial transaction involving the cash dispenser, responsive at least in part to each of;

computer-determined correspondence between the card data read in (d) and stored card information,

computer-determined correspondence between the biometric data read in (e) and stored biometric information,

and

computer-determined correspondence between the card data read in (d) and the biometric data read in (e).

13. The method according to claim 11 wherein the machine includes a display, and further comprising:

(d) operating the at least one processor responsive at least in part to the reply message received in (b), to cause the display to output at least one message prior to the machine finishing the requested financial transaction;

wherein (a)-(d) are carried out during a same user session with the machine.

14. The method according to claim 13 wherein (d) includes causing the display to output the at least one message prior to the requested financial transaction being authorized by the financial transaction host.

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

wherein the instructions,

when executed by at least one processor associated with an automated transaction machine,

wherein the machine 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 data reader,

wherein the at least one data reader is operable to read customer data usable to identify a financial account,

wherein the at least one processor is operable to communicate with a financial transaction host that is both remotely located from the machine and operable to authorize the machine to carry out requested financial transactions,

wherein the at least one processor is operative to cause customer data read by the at least one data reader to be communicated to the financial transaction host,

wherein the at least one processor is operable independent of communication with the financial transaction host, to communicate with a determining computer that is remotely located from both the machine and the financial transaction host,

cause the at least one processor to carry out a method comprising:

(a) operating the at least one processor to cause customer data read by the at least one data reader to be communicated to the determining computer;

(b) operating the at least one processor to receive from the determining computer, a reply message that is based at least in part on the customer data communicated in (a); and

(c) operating the at least one processor,

responsive at least in part to both;

the reply message received in (b), and

the financial transaction host authorizing the machine to carry out a requested financial transaction, to cause the machine to carry out the requested financial transaction.

16. The at least one computer readable medium according to claim 15 wherein the machine includes a display, and further comprising:

(d) operating the at least one processor responsive at least in part to the reply message received in (b), to cause the display to output at least one message prior to the machine carrying out the financial transaction.

17. The at least one computer readable medium according to claim 15 wherein the machine includes a display, and further comprising:

(d) operating the at least one processor responsive at least in part to the reply message received in (b), to cause the display to output at least one message prior to the machine finishing the financial transaction.

18. The at least one computer readable medium according to claim 15 wherein the machine includes a display, and further comprising:

(d) operating the at least one processor responsive at least in part to the reply message received in (b), to cause the display to output at least one message prior to the requested financial transaction being authorized by the financial transaction host.

19. The at least one computer readable medium according to claim 15 wherein the machine includes a display, wherein the determining computer comprises a marketing computer, wherein the reply message received in (b) indicates a particular marketing presentation that is to be output through the display, and further comprising:

(d) operating the at least one processor to cause the particular marketing presentation to be output through the display; and

wherein carrying out the requested financial transaction in (c) is subsequent to the output in (d).

20. The at least one computer readable medium according to claim 15 wherein the machine includes a machine controller and a cash dispenser,

wherein the machine controller is operative to cause the cash dispenser to dispense cash from the machine to an authorized customer of the machine during a cash dispense transaction authorized by the financial transaction host,

wherein the machine controller includes the at least one processor,

wherein (a)-(c) include operating the machine controller.