Card activated cash dispensing automated banking machine system and method

• US 8,448,851 B2
• Filed: 08/20/2012
• Issued: 05/28/2013
• Est. Priority Date: 04/17/1998
• Status: Expired due to Fees

• Current Assignee: Diebold Nixdorf, Incorporated
• Original Assignee: Diebold Incorporated (Diebold Nixdorf, Incorporated)
• Inventors: Ramachandran, Natarajan, Smith, Mark D., Drummond, Jay Paul
• Primary Examiner(s): Labaze, Edwyn
• Application Number:
  US13/589,534
• Publication Number:
  US 20120312871A1
• Time in Patent Office: 281 Days
• Field of Search: 235/379, 235/382, 235/376, 235/380, 235/382.5, 235/472.01, 705/5, 705/30, 705/35
• 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 20/341 Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
• 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. The card reader may further communicate a component to an automated banking machine component, which is operative to use the component from the card reader to operate the card reader.

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, wherein the automated banking machine includes:

a card reader, wherein the card reader is operative to read card data from user cards, wherein the card data corresponds to financial accounts, wherein the card reader includes at least one processor, wherein the card reader includes a data store, wherein the data store includes a device driver stored therein; and

a cash dispenser,

wherein the automated banking machine is associated with at least one computer that includes at least one processor, wherein the at least one computer includes at least one automated banking machine software application component, wherein the method comprises;

(a) operating the at least one processor in the card reader to communicate the device driver stored in the data store of the card reader to the at least one processor of the at least one computer; and

(b) operating the at least one automated banking machine software application component in the at least one processor of the at least one computer to cause the device driver operating in the at least one processor of the at least one computer to cause the card reader to operate.

2. The method according to claim 1, wherein the at least one computer includes a lookup service operating in the at least one processor of the at least one computer, further comprising through operation of the at least one processor of the card reader registering the card reader with the lookup service.

3. The method according to claim 2, wherein registering the card reader with the lookup service includes sending data representative of the device driver to the lookup service.

4. The method according to claim 3, wherein the lookup service includes a data store, further comprising operating the lookup service in the at least one processor of the at least one computer to store the data representative of the device driver in the data store.

5. The method according to claim 4, wherein the automated banking machine includes a plurality of devices, wherein the plurality of devices includes the card reader and the cash dispenser, wherein in (b) the data store of the lookup service includes data representative of device drivers for each of the plurality of devices.

6. The method according to claim 1, wherein the at least one processor of the at least one computer includes a virtual machine, wherein (b) includes the device driver executing in the virtual machine.

7. The method according to claim 6, wherein the virtual machine includes a java virtual machine, wherein in (b) the device driver corresponds to a java service proxy software component.

8. The method according to claim 7, wherein the java service proxy software component defines functions and events, wherein (b) includes the at least one automated banking machine software application component using at least one of the functions and events to communicate with the card reader.

9. The method according to claim 8, wherein the card reader includes a java virtual machine that is operative in the at least one processor of the card reader, further comprising:

acquiring with the card reader a further service proxy software component associated with the at least one automated banking machine software application component, wherein the further service proxy software component is operative to execute in the java virtual machine of the card reader; and

through operation of the card reader responsive at least in part to the further service proxy software component, communicating with the at least one automated banking machine software application component.

10. The method according to claim 9, further comprising responsive at least in part to insertion of a user card into the card reader, reading card data from the user card and calling a function of the further service proxy software component, which function passes the card data read from the user card to the at least one automated banking machine software application component.

11. The method according to claim 1, wherein the cash dispenser includes at least one processor, wherein the cash dispenser includes a data store, wherein the data store includes a further device driver stored therein, further comprising:

through operation of the at least one processor of the cash dispenser, communicating the further device driver stored in the data store of the cash dispenser to the at least one processor of the at least one computer; and

through operation of the at least one automated banking machine software application component in the at least one processor of the at least one computer, causing the further device driver operating in the at least one processor of the at least one computer to cause the cash dispenser to operate.

12. The method according to claim 11, wherein the automated banking machine includes at least one input device and a display device, further comprising:

through operation of the at least one automated banking machine software application component in the at least one processor of the at least one computer, causing the display device to output a graphical user interface; and

through operation of the at least one automated banking machine software application component in the at least one processor of the at least one computer responsive at least in part to at least one input received through operation of the at least one input device, causing the further device driver operating in the at least one processor of the at least one computer to cause the cash dispenser to dispense cash.

13. The method according to claim 1, wherein the automated banking machine includes a network, wherein in (b) the at least one computer, the card reader, and the cash dispenser are in operative connection with the network.

14. 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, wherein the automated banking machine includes:

a card reader, wherein the card reader is operative to read card data from user cards, wherein the card data corresponds to financial accounts, wherein the card reader includes at least one processor; and

a cash dispenser, wherein the automated banking machine is associated with at least one computer, wherein the at least one computer includes at least one processor, wherein the at least one computer includes at least one automated banking machine software application component, wherein the at least one computer includes a data store, wherein the data store includes a service proxy software component stored therein, the method comprising;

(a) through operation of the at least one processor of the at least one card reader responsive at least in part to being initially installed in the automated banking machine, registering with the at least one computer and receiving responsive at least in part to registration with the at least one computer, the service proxy software component stored in the data store from the at least one processor of the at least one computer; and

(b) through operation of at least one processor of the card reader, calling a function of the service proxy software component operating in the at least one processor of the card reader to communicate card data read from a user card to the automated banking machine software application component.

15. The method according to claim 14, wherein the card reader includes a data store, wherein the data store includes the service proxy software component received from the at least one computer and includes a further service proxy software component corresponding to a device driver of the card reader, further comprising:

through operation of the at least one processor of the card reader, communicating the further service proxy software component stored in the data store of the card reader to the at least one processor of the at least one computer; and

through operation of the at least one automated banking machine software application component in the at least one processor of the at least one computer, causing the further service proxy software component operating in the at least one processor of the at least one computer to cause the card reader operate.

16. The method according to claim 15, wherein the automated banking machine includes at least one input device and a display device, further comprising:

through operation of the at least one automated banking machine software application component in the at least one processor of the at least one computer, causing the display device to output a graphical user interface; and

through operation of the at least one automated banking machine software application component responsive to at least one input received through operation of the at least one input device, causing the further service proxy software component operating in the at least one processor of the at least one computer to cause the card reader to operate.

17. 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, wherein the automated banking machine includes:

a card reader, wherein the card reader is operative to read card data from user cards, wherein the card data corresponds to financial accounts; and

a cash dispenser, wherein the cash dispenser includes at least one processor, wherein the cash dispenser includes a data store, wherein the data store includes a device driver stored therein, wherein the automated banking machine is associated with at least one computer, wherein the at least one computer includes at least one processor, wherein the at least one computer includes at least one automated banking machine software application component, the method comprising;

(a) through operation of the at least one processor of the cash dispenser, communicating the device driver stored in the data store of the cash dispenser to the at least one processor of the at least one computer;

(b) through operation of the at least one automated banking machine software application component in the at least one processor of the at least one computer, causing the device driver operating in the at least one processor of the at least one computer to cause the cash dispenser to operate.

18. The method according to claim 17, wherein the automated banking machine includes at least one input device and a display, further comprising:

through operation of the at least one automated banking machine software application component in the at least one processor of the at least one computer, causing the display to output a graphical user interface;

through operation of the at least one automated banking machine software application component responsive at least in part to at least one input received through operation of the at least one input device, causing the device driver operating in the at least one processor of the at least one computer to cause the cash dispenser to dispense cash.

19. 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, wherein the automated banking machine includes:

a card reader, wherein the card reader is operative to read card data from user cards, wherein the card data corresponds to financial accounts; and

a cash dispenser, wherein the cash dispenser includes at least one processor, wherein the automated banking machine is associated with at least one computer, wherein the at least one computer includes at least one processor, wherein the at least one computer includes at least one automated banking machine software application component, wherein the at least one computer includes a data store, wherein the data store includes a service proxy software component stored therein, the method comprising;

(a) through operation of the at least one processor of the at least one cash dispenser responsive at least in part to being initially installed in the automated banking machine, registering with the at least one computer and receiving responsive at least in part to registration with the at least one computer, the service proxy software component stored in the data store from the at least one processor of the at least one computer; and

(b) through operation of at least one processor of the cash dispenser, calling a function of the service proxy software component operating in the at least one processor of the cash dispenser to communicate data associated with the operation of the cash dispenser to the automated banking machine software application component.

20. The method according to claim 19, wherein the cash dispenser includes a data store, wherein the data store includes the service proxy software component received from the at least one computer and includes a further service proxy software component corresponding to a device driver of the cash dispenser, further comprising:

through operation of the at least one processor of the card reader, communicating the further service proxy software component stored in the data store of the card reader to the at least one processor of the at least one computer; and

through operation of the at least one automated banking machine software application component in the at least one processor of the at least one computer causing the further service proxy software component operating in the at least one processor of the at least one computer to cause the cash dispenser to operate.