Banking system operated responsive to data read from data bearing records

• US 8,511,546 B2
• Filed: 02/25/2013
• Issued: 08/20/2013
• Est. Priority Date: 05/07/1997
• Status: Expired due to Fees

• Current Assignee: Diebold Nixdorf, Incorporated
• Original Assignee: Diebold Self-Service Systems (Diebold Nixdorf, Incorporated)
• Inventors: MEEK, JAMES, DePietro, Mark, McIntyre, Daniel S., Benore, Randolph C., Frazzitta, Bartholomew J., Bakerink, Allan R.
• Primary Examiner(s): TRAIL, ALLYSON NEEL
• Application Number:
  US13/775,633
• Publication Number:
  US 20130168448A1
• Time in Patent Office: 176 Days
• Field of Search: 235/380, 705/10, 705/14
• US Class Current: 235/379
• CPC Class Codes: G06Q 20/105 involving programming of a portable memory device, e.g. IC cards, "electronic purses"
• 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 20/40145 Biometric identity checks
• CPC Class Codes: G06Q 30/02 Marketing; Price estimation or determination; Fundraising
• CPC Class Codes: G06Q 30/0201 Market modelling; Market analysis; Collecting market data
• CPC Class Codes: G06Q 30/0241 Advertisements
• CPC Class Codes: G06V 30/40 Document-oriented image-based pattern recognition
• 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
• CPC Class Codes: H04N 7/18 Closed-circuit television [CCTV] systems, i.e. systems in which the video signal is not broadcast

Abstract

A system includes automated banking machines that operate responsive to data read from data bearing records. Transactions can be carried out through communication with local and remote service providers. An automated banking machine is operable to conduct transactions for machine users responsive to data read from user cards and communication with a transaction host. The machine is operable to provide output signals which drive external displays. The machine is operable to receive visual and/or audio content from remote content sources, store data corresponding to the content, and then output the content through the external displays.

Claims

1. A method involving a server operable to communicate with at least one processor associated with an automated transaction machine that 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 reader operable to read user data,

wherein the machine is configured to operate based at least in part on respective user data read by the at least one reader and a respective financial account having a computer-determined relationship, to carry out through communication with a financial transaction host, a transaction that causes a financial transfer at least one of to or from the respective financial account,

wherein the machine includes at least one display,

wherein the at least one processor is associated with at least one data store,

wherein the at least one data store includes computer executable instructions configured to cause the at least one processor to carry out at least one transaction logic flow with the machine,

wherein the at least one data store includes:

data corresponding to a plurality of points in the at least one transaction logic flow,

data respectively corresponding to a plurality of display screen outputs, and

association data that associates each respective point with at least one display screen output of the plurality of display screen outputs;

wherein the at least one processor is configured to operate during a transaction with the machine to;

cause the machine to be at each of the plurality of points, and

cause the at least one display to output at each respective point, the at least one display screen output that is respectively associated with the respective point;

wherein the server is other than the financial transaction host,

wherein the method comprises;

(a) operating the server to communicate with the at least one processor associated with the automated transaction machine; and

(b) operating the server to at least one of;

(bi) cause at least one change in the at least one data store to the data corresponding to at least one point in the at least one transaction logic flow;

or

(bii) cause at least one change in the at least one data store to data corresponding to at least one display screen output of the plurality of display screen outputs.

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

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

wherein the machine includes a cash dispenser,

wherein the machine is operable to cause the cash dispenser to dispense cash to an authorized user responsive at least in part to transaction authorization received from the financial transaction host,

wherein the machine includes the at least one processor,

wherein the financial transaction host is operable to:

cause card data read by the card reader and card information stored in an authorized user information data store to be compared for a predetermined card relationship,

cause biometric data read by the biometric reader and biometric information stored in the authorized user information data store to be compared for a predetermined biometric relationship,

cause the read card data and the read biometric data to be compared for a predetermined user relationship;

and further comprising;

(c) operating the at least one processor to cause the card reader to read card data;

(d) operating the at least one processor to cause the biometric reader to read biometric data;

(e) operating the at least one processor to communicate to the financial transaction host, the card data read in (c) and the biometric data read in (d);

(f) operating the at least one processor to receive authorization from the financial transaction host for a cash dispense transaction, responsive at least in part to each of;

the card data read in (c) and the card information having the predetermined card relationship,

the biometric data read in (d) and the biometric information having the predetermined biometric relationship, and

the card data read in (c) and the biometric data read in (d) having the predetermined user relationship;

(g) responsive at least in part to (f), operating the at least one processor to cause the cash dispenser to dispense cash; and

(h) operating the at least one processor to cause a financial transfer corresponding to the cash dispensed in (g).

3. The method according to claim 1 wherein (bii) includes modifying the association data to cause at least one point of the plurality of points to be differently associated with at least one display screen output.

4. The method according to claim 1 wherein (bii) includes operating the server to cause data corresponding to at least one different display screen output to be stored in the at least one data store.

5. The method according to claim 1 wherein (bii) includes changing at least one display screen output.

6. The method according to claim 5 wherein (bii) includes replacing at least one display screen output with at least one newly added display screen output.

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

(c) operating the at least one processor to obtain through operation of at least one contactless reading device, identifying data corresponding to a person waiting to use the machine and not currently conducting a transaction with the machine;

(d) operating the at least one processor responsive at least in part to the identifying data obtained in (c), to determine a marketing presentation targeted to the person waiting to use the machine; and

(e) operating the at least one processor to cause the marketing presentation determined in (d) to be output through an external display, wherein the external display is other than the at least one display, and wherein the at least one external display is viewable by the person waiting to use the machine.

8. The method according to claim 1 wherein (bii) includes causing a new display screen output to be included in the at least one data store,

wherein the association data associates the new display screen output with at least one point of the plurality of points.

9. The method according to claim 8 wherein in (bii) the new display screen output comprises a marketing presentation.

10. The method according to claim 8 wherein in (bii) the new display screen output comprises a welcome display screen.

11. The method according to claim 1 wherein the machine includes at least one machine data store, wherein the at least one machine data store includes the at least one data store,

wherein (b) includes operating the server at a time other than during a transaction, to cause at least one change to data in the at least one machine data store, and

wherein in (bi) the at least one transaction logic flow is configured to cause a transaction.

12. A method involving a server operable to communicate with at least one processor associated with an automated transaction machine that 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 operable to read user data,

wherein the machine is configured to operate based at least in part on respective user data read by the at least one data reader and a respective financial account having a computer-determined relationship, to carry out through communication with a financial transaction host, a transaction that causes a financial transfer at least one of to or from the respective financial account,

wherein the machine includes at least one display,

wherein the at least one processor is associated with at least one data store,

wherein the at least one data store includes computer executable instructions configured to cause the at least one processor to carry out at least one transaction logic flow with the machine,

wherein the at least one data store includes:

data corresponding to a plurality of points in the at least one transaction logic flow,

display data corresponding to a plurality of display screen outputs, and

data associating each respective point with at least one display screen output of the plurality of display screen outputs;

wherein the at least one processor is configured to operate during a transaction with the machine to;

cause the machine to be at each of the plurality of points, and

cause the at least one display to output at each respective point, the at least one display screen output that is respectively associated with the respective point;

wherein the server is other than the financial transaction host,

wherein the method comprises;

(a) operating the server to communicate with the at least one processor associated with the automated transaction machine; and

(b) operating the server to cause at least one change in the at least one data store to display data corresponding to at least one display screen output of the plurality of display screen outputs.

13. The method according to claim 12 wherein the machine is part of a banking system that includes a plurality of automated transaction machines,

wherein the machine includes a cash dispenser,

wherein the at least one processor is operable to cause the cash dispenser to dispense cash to an authorized user responsive at least in part to transaction authorization received from the financial transaction host,

wherein the financial transaction host is operable to cause user data read by the at least one data reader and user information stored in an authorized user information data store, to be compared for a predetermined card relationship,

and further comprising:

(c) operating the at least one processor to cause the at least one data reader to read user data;

(d) operating the at least one processor to cause the user data read in (c) to be communicated to the financial transaction host;

(e) operating the at least one processor to receive authorization from the financial transaction host for a cash dispense transaction, responsive at least in part to the user data read in (c) and the user information having the predetermined card relationship;

(f) responsive at least in part to (e), operating the at least one processor to cause the cash dispenser to dispense cash; and

(g) operating the at least one processor to cause a financial transfer corresponding to the cash dispensed in (f).

14. The method according to claim 12 and further comprising:

(c) operating the server to cause at least one change in the at least one data store to the data corresponding to the plurality of points in the at least one transaction logic flow.

15. The method according to claim 12 wherein (b) includes causing new display data corresponding to a new display screen output to be included in the at least one data store, wherein the new display screen output is associated with at least one point of the plurality of points.

16. The method according to claim 12 wherein the machine includes at least one machine data store, wherein the at least one machine data store includes the at least one data store,

wherein (b) includes operating the server at a time other than during a transaction, to cause the at least one change in the at least one machine data store.

17. A method involving at least one computer operable to communicate with at least one processor associated with an automated transaction machine,

wherein the processor is operable to carry out on a financial account, based at least in part on user data read by at least one data reader of the machine and the financial account having a computer-determined relationship, a transaction that involves approval from a financial transaction host which is other than the at least one computer,

wherein the at least one processor is associated with at least one data store,

wherein the at least one data store includes computer executable instructions,

wherein the instructions when executed by the at least one processor cause at least one logic flow associated with a transaction, to be carried out with the machine,

wherein the at least one data store includes:

point data corresponding to a plurality of display points in the at least one logic flow,

display data corresponding to a plurality of display screens, and

association data associating each respective display point with at least one display screen of the plurality of display screens;

wherein the at least one processor is operable to cause to be output through at least one display device of the machine at each respective display point, the at least one display screen that is respectively associated with the respective display point,

wherein the method comprises;

(a) operating the at least one computer to communicate with the at least one processor associated with the automated transaction machine; and

(b) operating the at least one computer to cause in the at least one data store, at least one change that causes at least one display point of the plurality of display points to be associated with at least one different display screen,

wherein the at least one change allows the at least one processor to output through the at least one display device at the at least one display point, the at least one different display screen.

18. The method according to claim 17 wherein the machine is part of a banking system that includes a plurality of automated transaction machines, wherein the machine includes a cash dispenser,

wherein the at least one processor is operable to cause the cash dispenser to dispense cash to an authorized user responsive at least in part to transaction authorization received from the financial transaction host,

wherein the financial transaction host is operable to cause user data read by the at least one data reader and user information stored in an authorized user information data store, to be compared for a predetermined card relationship,

and further comprising:

(c) operating the at least one processor to cause the at least one data reader to read user data;

(d) operating the at least one processor to cause the user data read in (c) to be communicated to the financial transaction host;

(e) operating the at least one processor to receive authorization from the financial transaction host for a cash dispense transaction, responsive at least in part to the user data read in (c) and the user information having the predetermined card relationship;

(f) responsive at least in part to (e), operating the at least one processor to cause the cash dispenser to dispense cash; and

(g) operating the at least one processor to cause a financial transfer corresponding to the cash dispensed in (f).

19. The method according to claim 17 and further comprising:

(c) operating the at least one computer to cause in the at least one data store, at least one change to the point data.

20. The method according to claim 17 wherein in (b) the at least one different display screen includes a new display screen, wherein the at least one change causes the at least one data store to include:

display data corresponding to the new display screen, and

association data that assigns the new display screen to a first display point of the plurality of display points.

21. The method according to claim 20 wherein in (b) the at least one change replaces in the association data, a prior display screen assigned to first display point with the new display screen.

22. The method according to claim 17 wherein the machine includes at least one machine data store, wherein the at least one machine data store includes the at least one data store,

wherein (b) includes operating the at least one computer at a time other than during a transaction, to cause the at least one change in the at least one machine data store.

23. The method according to claim 22 wherein the at least one computer includes a server, and wherein (b) includes operating the server to cause the at least one change in the at least one machine data store.