Card activated cash dispensing automated banking machine system and method

• US 8,430,307 B2
• Filed: 08/10/2012
• Issued: 04/30/2013
• Est. Priority Date: 04/17/1998
• Status: Expired due to Fees

• Current Assignee: Diebold Nixdorf, Incorporated
• Original Assignee: Diebold Incorporated (Diebold Nixdorf, Incorporated)
• Inventors: Smith, Mark D., Drummond, Jay Paul, Ramachandran, Natarajan
• Primary Examiner(s): Labaze, Edwyn
• Application Number:
  US13/571,785
• Publication Number:
  US 20120305642A1
• Time in Patent Office: 263 Days
• Field of Search: 235/379, 235/382, 235/376, 235/380, 235/382.5, 235/472.02, 705/5, 705/30, 705/35, 705/42
• US Class Current: 235/379
• CPC Class Codes: G06K 19/08 using markings of different kinds or more than one marking of the same kind in the same record carrier, e.g. one marking being sensed by optical and the other by magnetic means
• CPC Class Codes: G06K 7/0004 Hybrid readers
• CPC Class Codes: G06Q 20/1085 involving automatic teller machines [ATMs]
• CPC Class Codes: G06Q 20/18 involving self-service terminals [SST], vending machines, kiosks or multimedia terminals
• CPC Class Codes: G06Q 20/3223 Realising banking transactions through M-devices
• CPC Class Codes: G06Q 20/326 Payment applications installed on the mobile devices
• CPC Class Codes: G06Q 20/327 Short range or proximity payments by means of M-devices
• CPC Class Codes: G06Q 20/341 Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
• CPC Class Codes: G07F 17/16 for devices exhibiting advertisements, announcements, pictures or the like
• CPC Class Codes: G07F 19/20 Automatic teller machines [ATMs]
• CPC Class Codes: G07F 19/203 Dispensing operations within ATMs dispensing in general G07D11/00
• CPC Class Codes: G07F 19/211 Software architecture within ATMs or in relation to the ATM network
• CPC Class Codes: G07F 7/0886 the card reader being portable for interacting with a POS or ECR in realizing a payment transaction
• CPC Class Codes: G07F 7/1008 Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system

Abstract

An automated banking machine system operates to cause financial transfers responsive to data read from data bearing records. The system is operative to read a financial card bearing account indicia with a card reader. A user is able to perform at least one banking operation responsive to account indicia read by the card reader from the card. The banking operations include dispensing cash and accessing financial accounts. A user is also able to perform at least one banking operation responsive to financial account data received by the automated banking machine from a mobile phone.

Claims

1. A method involving an automated banking machine that is operable responsive at least in part to data read from data bearing records to cause financial transfers, comprising:

(a) operating at least one computer to enable a communication device of the machine to receive from a portable wireless device, at least one communication that includes financial account data corresponding to a financial account,

wherein the machine includes;

a card reader, wherein the card reader is operable to read from a user card, card data that corresponds to a financial account,

a cash dispenser, and

at least one input device,

wherein the at least one computer is in operative communication with the card reader, the cash dispenser, the at least one input device, and the communication device; and

(b) operating the at least one computer responsive at least in part to the financial account data received in (a) and at least one input received through operation of at least one of the at least one input device and the communication device, to cause the cash dispenser to dispense cash.

2. The method according to claim 1 wherein the at least one input device includes a biometric reader, and wherein (b) includes operating the at least one computer responsive at least in part to biometric data input received through operation of the biometric reader.

3. The method according to claim 1 wherein (a) includes operating the at least one computer to cause the communication device to wirelessly communicate with the portable wireless device.

4. The method according to claim 3 wherein (a) includes operating the at least one computer to cause the communication device to wirelessly communicate with the portable wireless device via radio frequency communications.

5. The method according to claim 4 wherein in (a) the radio frequency communications include Bluetooth communications.

6. The method according to claim 4 wherein in (a) the radio frequency communications include wireless Ethernet communications.

7. The method according to claim 1 wherein (b) includes operating the at least one computer responsive at least in part to the financial account data received in (a) and at least one further communication received by the communication device from the portable wireless device,

wherein the at least one further communication includes data corresponding to an amount,

wherein the at least one computer is operative to cause the cash dispenser to dispense cash corresponding to the amount.

8. The method according to claim 1 and further comprising:

(c) operating the at least one computer to cause the communication device to send to the portable wireless device, at least one communication operative to cause a display of the portable wireless device to output a visual prompt requesting that the portable wireless device be moved closer to the machine.

9. The method according to claim 1 wherein the portable wireless device comprises a mobile phone, wherein (a) includes operating the at least one computer to cause the communication device to receive the at least one communication from the mobile phone.

10. The method according to claim 1 wherein the portable wireless device comprises a notebook computer, wherein (a) includes operating the at least one computer to cause the communication device to receive the at least one communication from the notebook computer.

11. A method involving an automated banking machine that is operable responsive at least in part to data read from data bearing records to cause financial transfers, comprising:

(a) operating at least one computer to enable a communication device of the machine to wirelessly receive from a mobile phone, at least one communication that includes financial account data corresponding to a financial account,

wherein the machine includes;

a card reader, wherein the card reader is operable to read from a user card, card data that corresponds to a financial account,

a cash dispenser, and

at least one input device,

wherein the at least one computer is operative to communicate with the card reader, the cash dispenser, the at least one input device, and the communication device; and

(b) operating the at least one computer responsive at least in part to the financial account data received in (a) and at least one input received through operation of at least one of the at least one input device and the communication device, to cause the cash dispenser to dispense cash.

12. The method according to claim 11 wherein (a) includes operating the at least one computer to cause the communication device to wirelessly communicate with the mobile phone via radio frequency communications.

13. The method according to claim 12 wherein (a) includes operating the at least one computer to cause the communication device to wirelessly communicate with the mobile phone via Bluetooth communications.

14. The method according to claim 12 wherein (a) includes operating the at least one computer to cause the communication device to wirelessly communicate with the mobile phone via wireless Ethernet communications.

15. The method according to claim 11 and further comprising:

(c) operating the at least one computer to cause the communication device to send to the mobile phone, at least one communication operative to cause a display of the mobile phone to output a visual prompt requesting that the mobile phone be moved closer to the machine.

16. A method involving an automated banking machine that is operable responsive at least in part to data read from data bearing records to cause financial transfers, comprising:

(a) operating at least one computer to enable the machine to wirelessly receive from a mobile phone, at least one communication that includes financial account data corresponding to a financial account,

wherein the machine includes;

a cash dispenser, and

at least one input device,

wherein the at least one computer is operative to communicate with the cash dispenser and the at least one input device; and

(b) operating the at least one computer responsive at least in part to the financial account data received in (a) and at least one input received at least one of from the mobile phone and through operation of the at least one input device, to cause the cash dispenser to dispense cash.

17. The method according to claim 16 wherein (a) includes operating the at least one computer to cause the machine to wirelessly communicate with the mobile phone via radio frequency communications.

18. The method according to claim 17 wherein (a) includes operating the at least one computer to cause the machine to wirelessly communicate with the mobile phone via Bluetooth communications.

19. The method according to claim 17 wherein (a) includes operating the at least one computer to cause the machine to wirelessly communicate with the mobile phone via wireless Ethernet communications.

20. The method according to claim 16 wherein the mobile phone comprises a smart phone, and wherein (a) includes operating the at least one computer to enable the machine to wirelessly receive the at least one communication from the smart phone.