Banking system controlled responsive to data bearing records to sequentially provide preassigned ordered marketing campaign presentations to a particular individual over different transactions

• US 8,434,678 B1
• Filed: 11/17/2011
• Issued: 05/07/2013
• Est. Priority Date: 11/27/1998
• Status: Expired due to Term

• Current Assignee: Diebold Nixdorf, Incorporated
• Original Assignee: Diebold Self-Service Systems (Diebold Nixdorf, Incorporated)
• Inventors: Graef, H. Thomas, MEEK, JAMES
• Primary Examiner(s): WALSH, DANIEL I
• Application Number:
  US13/373,528
• Time in Patent Office: 537 Days
• Field of Search: 235/379, 235/380, 235/381, 235/435, 235/487, 235/492, 235/493, 705/43, 902/8
• US Class Current: 235/379
• CPC Class Codes: G06Q 20/1085 involving automatic teller machines [ATMs]
• CPC Class Codes: G06Q 20/382 insuring higher security of transaction
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 20/401 Transaction verification
• CPC Class Codes: G06Q 30/02 Marketing; Price estimation or determination; Fundraising
• CPC Class Codes: G06Q 30/0251 Targeted advertisements
• CPC Class Codes: G06Q 30/0271 Personalized advertisement
• 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 transaction machine includes a card reader that can read a unique magnetic characteristic of a magnetic stripe on a card. The machine can then send data reflective of the read characteristic to a remote card validator. The card validator can compare the received data to referenced magnetic characteristic data corresponding to cards authorized for use with the machine. The machine can also communicate with a transaction host computer to carry out a financial transaction. As a result of the magnetic data comparison, an invalid card can be discovered and a fraudulent transaction prevented. Communication between the card validator and machine is independent from communication between the transaction host and machine.

Claims

1. Apparatus comprising:

an automated banking machine, a financial transaction host, and a server,

wherein the machine is operative to communicate with both the host and the server,

wherein the machine is operative to communicate with the host independent of communication with the server,

wherein the machine is operative to communicate with the server independent of communication with the host,

wherein the machine includes a plurality of transaction function devices,

wherein the transaction function devices include a display device, a cash dispenser, and at least one reader device operative to read user data provided by a first machine user during a user session with the machine,

wherein the host is operative to selectively determine whether financial transactions for respective users are to be authorized or denied,

wherein the host is operative to authorize or deny a financial transaction for the first machine user,

wherein the host is remotely located from the machine,

wherein the server is operative to selectively determine for respective users, whether or not the machine is allowed to carry out at least one transaction function which includes operation of at least one of the transaction function devices,

wherein the server is operative to determine independent of a determination by the host regarding the financial transaction for the first machine user, whether or not the machine is allowed to carry out the at least one transaction function for the first machine user,

wherein the server is remotely located from both the machine and the host,

wherein the machine is operative to cause user data read by at least one reader device to be communicated to the server;

wherein the server is operative responsive to receiving the user data communicated, to determine whether or not the machine is allowed to carry out the at least one transaction function for the first machine user,

wherein the server is operative to cause machine operation during remainder of the user session to be in accordance with the server determination, regardless of whether the financial transaction for the first machine user is authorizable by the host, and

wherein the server is a non-host server.

2. The apparatus according to claim 1 wherein the automated banking machine is part of a banking system, wherein the machine includes at least one computer,

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

wherein the at least one computer is operative during the user session to

cause card data to be read from a card through operation of the card reader, and then cause the read card data to be compared with card information stored in at least one information data store, and

cause biometric data to be read through operation of the biometric reader, and then cause the read biometric data to be compared with biometric information in the at least one information data store,

wherein the at least one computer is operative to authorize the user to request a financial transaction involving the cash dispenser responsive at least in part to both

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

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

wherein the at least one computer is operative to cause data corresponding to at least a portion of read card data to be sent in at least one first message to the host, wherein the at least one computer is operative to allow cash to be dispensed from the machine responsive at least in part to receipt by the at least one computer of at least one second message from the host.

3. The apparatus according to claim 1

wherein the server comprises a remote marketing computer associated with at least one data store,

wherein the at least one data store includes data respectively linking sequentially ordered marketing presentations from a predetermined marketing campaign to respective sequential future user sessions involving the first machine user,

wherein the at least one transaction function comprises operating the display device to present to the first machine user during the user session, a next marketing presentation from the marketing campaign,

wherein the next marketing presentation sequentially follows a prior marketing presentation from the predetermined particular marketing campaign which was previously presented to the first machine user in a prior user session,

wherein the server is operative responsive to determining from the user data read by at least one reader device that the user session is linked in the at least one data store to the next marketing presentation, to control the display device to present the next marketing presentation to the first machine user.

4. The apparatus according to claim 3

wherein the machine is operative to cause user data read by at least one reader device to be communicated to the host,

wherein the machine is operative during the user session, to receive a financial transaction denied message from the host;

wherein the server is operative to control the display device to present the next marketing presentation to the first machine user, regardless of the machine receiving the financial transaction denied message.

5. The apparatus according to claim 3

wherein the machine is operative to cause user data read by at least one reader device to be communicated to the host,

wherein the machine is operative during the user session, to receive a financial transaction message from the host,

wherein the financial transaction message is indicative of a financial transaction being either authorized or denied,

wherein the server is operative to control the display device to present the next marketing presentation to the first machine user, prior to the machine receiving the financial transaction message.

6. The apparatus according to claim 1

wherein the server is operative responsive to the user data read by at least one reader device, to determine whether or not the machine should carry out the at least one transaction function, regardless of whether the machine communicates with the host during the user session,

wherein responsive to the server determination, the server operates to control whether the machine carries out or does not carry out the at least one transaction function.

7. The apparatus according to claim 6

wherein the at least one transaction function comprises operating the display device to present to the first machine user during the user session, a marketing presentation from a marketing campaign,

wherein the server is operative responsive to the user data read by at least one reader device corresponding to data store data linked to the marketing campaign, to determine whether or not the machine should present the marketing presentation to the first machine user,

wherein responsive to the server determination, the server operates to control whether the display device presents or does not present the marketing presentation to the first machine user.

8. The apparatus according to claim 7 wherein the marketing presentation includes display of a user-selectable coupon,

wherein the at least one transaction function comprises operating the display device to present the coupon to the first machine user during the user session,

wherein the server is operative responsive to the user data read by at least one reader device corresponding to data store data linked to the marketing campaign, to determine whether or not the machine should present the coupon to the first machine user,

wherein responsive to the server determination, the server operates to control whether the display device presents or does not present the coupon to the first machine user,

wherein the transaction function devices include a printer,

wherein the printer is operable to print a paper version of a presented coupon responsive to user input corresponding to user selection of the presented coupon.

9. The apparatus according to claim 7 wherein responsive to the server determination being positive, the server operates to control the display device to present the marketing presentation to the first machine user.

10. The apparatus according to claim 7 wherein responsive to the server determination being negative, the server does not act to control the display device to present the marketing presentation to the first machine user.

11. A method comprising:

(a) operating an automated banking machine to read user data provided by a first machine user during a user session with the machine,

wherein the machine includes a plurality of transaction function devices,

wherein the transaction function devices include a display device, a cash dispenser, and at least one reader device operative to read user data,

wherein the machine is operative to communicate with both a financial transaction host and a server,

wherein the machine is operative to communicate with the host independent of communication with the server,

wherein the host is operative to selectively determine whether financial transactions for respective users are to be authorized or denied,

 

wherein the host is operative to authorize or deny a financial transaction for the first machine user,

 

wherein the host is remotely located from the machine,

wherein the machine is operative to communicate with the server independent of communication with the host,

wherein the server is operative to selectively determine for respective users, whether or not the machine is to carry out at least one transaction function which includes operation of at least one of the transaction function devices,

 

wherein the server is operative to determine independent of a determination by the host regarding the financial transaction for the first machine user, whether or not the machine is to carry out the at least one transaction function for the first machine user,

 

wherein the server is remotely located from the machine;

(b) operating the machine to cause user data read in (a) to be communicated to the server;

(c) operating the server responsive to the user data communicated in (b), to determine whether or not the machine is to carry out the at least one transaction function for the first machine user; and

(d) operating the server to cause machine operation during remainder of the user session to be in accordance with the determination in (c), regardless of whether the financial transaction for the first machine user is authorizable by the host;

wherein the server is a non-host server.

12. The method according to claim 11 wherein the machine is part of a banking system, wherein the machine includes at least one computer, wherein the at least one reader device includes a card reader and a biometric reader, and further comprising:

(e) operating the at least one computer to cause the card reader to read card data from a user card;

(f) operating the at least one computer to cause the biometric reader to read user biometric data;

(g) operating the at least one computer to authorize a user to use the machine to carry out a cash dispensing transaction responsive at least in part to both

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

computer-determined correspondence between user biometric data read in (f) and stored biometric information.

13. The method according to claim 11

wherein the server comprises a remote marketing computer associated with at least one data store,

wherein the at least one data store includes data respectively linking sequentially ordered marketing presentations from a predetermined marketing campaign to respective sequential future user sessions involving the first machine user,

wherein the at least one transaction function comprises operating the display device to present to the first machine user during the user session, a next marketing presentation from the marketing campaign,

wherein the next marketing presentation sequentially follows a prior marketing presentation from the predetermined particular marketing campaign which was previously presented to the first machine user in a prior user session,

wherein (c) includes operating the server to determine from the user data read by at least one reader device, that the user session is linked in the at least one data store to the next marketing presentation,

wherein (d) includes operating the server responsive to (c) to control the display device to present the next marketing presentation to the first machine user.

14. The method according to claim 11

wherein (c) includes operating the server responsive to the user data read by at least one reader device, to determine whether or not the machine should carry out the at least one transaction function, regardless of whether the machine communicates with the host during the user session,

wherein (d) includes operating the server responsive to the server determination in (c), to control whether the machine carries out or does not carry out the at least one transaction function.

15. The method according to claim 14

wherein the at least one transaction function comprises operating the display device to present to the first machine user during the user session, a marketing presentation from a marketing campaign,

wherein (c) includes operating the server to determine whether or not the machine should present the marketing presentation to the first machine user,

wherein (d) includes operating the server responsive to the server determination in (c), to control whether the display device presents or does not present the marketing presentation to the first machine user.

16. Apparatus comprising:

an automated banking machine operative to communicate with both a financial transaction host and a server,

wherein the machine includes a plurality of transaction function devices,

wherein the transaction function devices include a display device, a cash dispenser, and at least one reader device operative to read user data provided by a machine user during a user session with the machine,

wherein the machine is operative to communicate with the host independent of communication with the server,

wherein the host is remotely located from the machine,

wherein the host is operative to authorize financial transactions requested by users of the machine,

wherein the machine is operative during the user session to communicate with the server independent of communication with the host,

wherein the server is remotely located from the machine and the host,

wherein the server is operative responsive to user data read by the at least one reader device, regardless of whether the machine user requests a financial transaction that is authorizable by the host, to control whether the machine carries out at least one particular transaction function for the machine user,

wherein the at least one particular transaction function includes operation of at least one of the transaction function devices, and

wherein the server is a non-host server.

17. The apparatus according to claim 16

wherein the server is operative to determine based on the user data read by at least one reader device, whether or not the machine should carry out the at least one transaction function,

wherein responsive to the server determination, the server operates to control whether the machine carries out or does not carry out the at least one particular transaction function for the machine user during the user session.

18. The apparatus according to claim 17

wherein the at least one particular transaction function comprises operating the display device to present to the machine user during the user session, a marketing presentation from a marketing campaign,

wherein the server is operative responsive to the user data read by at least one reader device corresponding to data store data linked to the marketing campaign, to determine whether or not the machine should present the marketing presentation to the machine user,

wherein responsive to the server determination, the server operates to control whether the display device presents or does not present the marketing presentation to the machine user during the user session.

19. The apparatus according to claim 18 wherein the marketing presentation includes display of a user-selectable coupon,

wherein the at least one transaction function comprises operating the display device to present the coupon to the machine user during the user session,

wherein the server is operative responsive to the user data read by at least one reader device corresponding to data store data linked to the marketing campaign, to determine whether or not the machine should present the coupon to the machine user,

wherein responsive to the server determination, the server operates to control whether the display device presents or does not present the coupon to the machine user,

wherein the transaction function devices include a printer,

wherein the printer is operable to print a paper version of a presented coupon, responsive to the machine receiving user input corresponding to user selection of the presented coupon.

20. The apparatus according to claim 18

wherein responsive to the server determination being positive, the server acts to control the display device to present the marketing presentation to the machine user,

wherein responsive to the server determination being negative, the server does not act to control the display device to present the marketing presentation to the machine user.