Banking terminal that operates to cause financial transfers responsive to data bearing records

• US 8,540,147 B2
• Filed: 02/28/2013
• Issued: 09/24/2013
• Est. Priority Date: 04/17/1998
• Status: Expired due to Term

• Current Assignee: Diebold Nixdorf, Incorporated
• Original Assignee: Diebold Self-Service Systems (Diebold Nixdorf, Incorporated)
• Inventors: Steinbach, Klaus, Motz, Ray, Hill, Jeff, Modi, Ashok, Ramachandran, Natarajan, Block, James
• Primary Examiner(s): Frech, Karl D
• Application Number:
  US13/780,076
• Publication Number:
  US 20130175338A1
• Time in Patent Office: 208 Days
• Field of Search: 235/379, 235/380, 235/375
• US Class Current: 235/379
• CPC Class Codes: G06Q 20/327 Short range or proximity payments by means of M-devices
• CPC Class Codes: G06Q 20/4014 Identity check for transactions
• CPC Class Codes: G07F 19/20 Automatic teller machines [ATMs]
• CPC Class Codes: G07F 19/205 Housing aspects of ATMs
• CPC Class Codes: G07F 19/206 Software aspects at ATMs

Abstract

A portable terminal operates to cause financial transfers responsive to data read from data bearing records in the form of user cards. The user cards include credit and/or debit cards. Data corresponding to the card data is stored in memory of the terminal. The portable terminal includes a wireless communication device. The terminal operates to wirelessly communicate data corresponding to card data to one or more remote computers to cause financial transfers to or from selected accounts. The portable terminal also operates to provide outputs corresponding to account balances and to receive data corresponding to receipts.

Claims

1. Apparatus comprising:

at least one portable handheld device that includes a mobile communication device and a magnetic stripe reader associated with the mobile communication device,

wherein the mobile communication device is operable to communicate account indicia respectively corresponding to each of a plurality of card accounts, to a user card that includes card memory and a card magnetic stripe which differs from the card memory,

wherein the at least one portable handheld device includes at least one processor, at least one display device, and at least one user input device,

wherein the processor is operable responsive at least in part to at least one read-indicia input to the at least one user input device, to cause the magnetic stripe reader to read;

first account indicia from a magnetic stripe of a first card,

 

wherein the first account indicia corresponds to a first card account,

 

wherein the first account indicia is associated with a first account number, and

second account indicia from a magnetic stripe of a second card,

 

wherein the second account indicia corresponds to a second card account which is other than the first card account,

 

wherein the second account indicia is associated with a second account number;

wherein the processor is operable, responsive at least in part to at least one store-indicia input to the at least one user input device, to cause the mobile communication device to communicate to the user card;

the first account indicia,

 

wherein communication of the first account indicia to the user card causes the first account indicia to be stored in the card memory, and

the second account indicia,

 

wherein communication of the second account indicia to the user card causes the second account indicia to be stored in the card memory, which causes the card memory to include account indicia respectively corresponding to at least the first card account and the second card account;

wherein the at least one processor is operable responsive at least in part to at least one user input to the at least one user input device, to allow the user to view through the at least one display device, any of a plurality of account designators that are stored in the card memory,

wherein each respective account designator is associated in the card memory with respective account indicia corresponding to a respective card account,

 

wherein a first account designator is associated in the card memory with the first account indicia,

 

wherein a second account designator is associated in the card memory with the second account indicia,

wherein the at least one processor is operable to allow the user to select through user input to the at least one user input device, any account designator from the plurality of account designators,

wherein the at least one processor is operable to allow the user to select through user input to the at least one user input device, the first account designator,

 

wherein the at least one processor is configured to operate responsive at least in part to user selection of the first account designator, to modify the magnetic stripe to include the first account indicia,

 

wherein the magnetic stripe as modified allows, during a financial transaction on the first card account in which the user card is being used in place of the first card to carry out the financial transaction, the first account indicia to be read from the magnetic stripe by a magnetic stripe reader of an automated banking machine which is operable to carry out a cash dispense transaction involving a machine cash dispenser responsive at least in part to computer-determined correspondence between user data read by a machine data reader and the first card account,

wherein the at least one processor is operable to allow the user to select through user input to the at least one user input device, the second account designator,

 

wherein the at least one processor is configured to operate responsive at least in part to user selection of the second account designator, to modify the magnetic stripe to include the second account indicia,

 

wherein the magnetic stripe as modified allows, during a financial transaction on the second card account in which the user card is being used in place of the second card to carry out the financial transaction, the second account indicia to be read from the magnetic stripe by the magnetic stripe reader of the automated banking machine.

2. The apparatus according to claim 1

wherein the at least one portable handheld device includes a card reader, wherein the card reader is operative to read card data from a financial card,

wherein the at least one portable handheld device includes a wireless communication device, wherein the wireless communication device,

wherein the at least one user input device is operative to receive from a user, at least one identifying input that has a predetermined relationship with card data read by the card reader,

and further comprising a transaction host computer,

wherein the transaction host computer is operative to wirelessly communicate with the wireless communication device,

wherein the transaction host computer is operative to wirelessly receive from the wireless communication device in at least one communication that is operative to cause a transfer of funds at least one of to or from the first card account, data corresponding to at least a portion of the card data and at least a portion of the at least one identifying input.

3. The apparatus according to claim 2 wherein the machine is part of a banking system,

wherein the machine includes a card reader and biometric reader,

wherein the machine includes at least one machine computer,

wherein the at least one machine computer is operative to cause card data read by the card reader to be compared with card information stored in a user identification data store,

wherein the at least one machine computer is operative to cause customer biometric data read by the biometric reader to be compared with biometric information stored in a biometric identification data store,

wherein a customer is authorized to request a cash dispense transaction involving the first card account, responsive at least in part to each of:

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

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

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

4. Apparatus comprising:

a portable handheld device including a mobile communication device,

wherein the portable handheld device is operable to communicate account indicia respectively corresponding to each of a plurality of card accounts, to a user card that includes card memory and a card magnetic stripe which differs from the card memory,

wherein the portable handheld device includes at least one processor, at least one display device, and at least one user input device,

wherein the processor is operable responsive at least in part to at least one read-indicia input to the at least one user input device, to cause the reading of;

first account indicia from a magnetic stripe of a first card, wherein the first account indicia corresponds to a first card account, and

second account indicia from a magnetic stripe of a second card, wherein the second account indicia corresponds to a second card account which is other than the first card account;

wherein the processor is operable, responsive at least in part to at least one store-indicia input to the at least one user input device, to cause the portable handheld device to communicate to the user card;

the first account indicia,

 

wherein communication of the first account indicia to the user card causes the first account indicia to be stored in the card memory, and

the second account indicia,

 

wherein communication of the second account indicia to the user card causes the second account indicia to be stored in the card memory, which causes the card memory to include account indicia respectively corresponding to at least the first card account and the second card account,

 

wherein the first account indicia when accessed from the card memory and placed on the card magnetic stripe, allows the user card to be used in place of the first card to carry out a financial transaction on the first card account, and

 

wherein the second account indicia when accessed from the card memory and placed on the card magnetic stripe, allows the multi-account card to be used in place of the second card to carry out a financial transaction on the second card account.

5. The apparatus according to claim 4 wherein the portable handheld device comprises a portable terminal, and wherein the terminal includes a magnetic stripe reader operable to read account indicia from magnetic stripes of cards.

6. The apparatus according to claim 5 wherein the terminal includes a magnetic stripe writer operable to place on magnetic stripes of cards, account indicia accessed from the card memory.

7. The apparatus according to claim 5 wherein the mobile communication device comprises a phone.

8. The apparatus according to claim 7 wherein the phone includes the at least one processor, the at least one display device, and the at least one user input device,

wherein the processor is configured to operate responsive at least in part to the at least one first user input, to cause the first account indicia while the multi-account card is in operative connection with the phone, to be added to the card memory.

9. Apparatus comprising:

a portable handheld device,

wherein the portable handheld device includes at least one processor, at least one display device, and at least one input device,

wherein the at least one processor is operable responsive at least in part to at least one user input to the at least one input device, to allow the user to view through the at least one display device, any of a plurality of account designators that are stored in card memory of a multi-account card which includes a magnetic stripe that differs from the card memory,

wherein each respective account designator is associated in the card memory with respective account indicia corresponding to a respective account,

 

wherein a first account designator is associated in the card memory with first account indicia that corresponds to a first account,

 

wherein a second account designator is associated in the card memory with second account indicia that corresponds to a second account,

 

wherein the second account is other than the first account,

wherein the at least one processor is operable to allow the user to select through user input to the at least one input device, any account designator from the plurality of account designators,

wherein the at least one processor is operable to allow the user to select through user input to the at least one input device, the first account designator,

 

wherein the at least one processor is configured to operate responsive at least in part to user selection of the first account designator, to modify the magnetic stripe to include the first account indicia,

 

wherein the magnetic stripe as modified allows the first account indicia to be read from the magnetic stripe by a magnetic stripe reader during a financial transaction involving the first account,

wherein the at least one processor is operable to allow the user to select through user input to the at least one input device, the second account designator,

 

wherein the at least one processor is configured to operate responsive at least in part to user selection of the second account designator, to modify the magnetic stripe to include the second account indicia,

 

wherein the magnetic stripe as modified allows the second account indicia to be read from the magnetic stripe by a magnetic stripe reader during a financial transaction involving the second account.

10. The apparatus according to claim 9

wherein the magnetic stripe as modified to include the first account indicia allows the first account indicia to be read from the magnetic stripe by a machine magnetic stripe reader of an automated banking machine which is operable to carry out a cash dispense transaction on the first account responsive at least in part to computer-determined correspondence between user data read by a machine data reader and the first account,

wherein the magnetic stripe as modified to include the second account indicia allows the second account indicia to be read from the magnetic stripe by the machine magnetic stripe reader of the automated banking machine during a cash dispense transaction on the second account that involves computer-determined correspondence between user data read by the machine data reader and the second account.

11. The apparatus according to claim 9 wherein the portable handheld device includes a magnetic stripe writer that is operable to modify the magnetic stripe of the multi-account card to include account indicia.

12. The apparatus according to claim 11 wherein the portable handheld device includes a magnetic stripe reader operable to read account indicia from magnetic stripes of user cards,

wherein the at least one processor is operable responsive at least in part to at least one user input to the at least one input device, to cause account indicia read by the magnetic stripe reader to be stored in the card memory of the multi-account card.

13. The apparatus according to claim 11 wherein the portable handheld device comprises a portable terminal, and wherein the terminal includes the at least one processor, the at least one display device, and the at least one input device.

14. The apparatus according to claim 9 wherein the portable handheld device comprises the multi-account card.

15. Apparatus comprising:

at least one portable device,

wherein the at least one portable device includes;

a card,

wherein the card includes memory,

 

wherein the memory includes respective account data that respectively corresponds to each of a plurality of accounts,

wherein the card includes a magnetic stripe,

 

wherein the magnetic stripe is other than the memory,

 

wherein the magnetic stripe is modifiable to respectively include different account indicia for different account data,

 

wherein the magnetic stripe is modifiable to include first account indicia which corresponds to first account data,

 

wherein the magnetic stripe is modifiable to change from including the first account indicia to including different account indicia which corresponds to different account data,

at least one input device,

wherein the at least one input device is operable to receive at least one user input that corresponds to user selection of one of the plurality of accounts,

 

wherein each respective account is user selectable through the at least one input device,

at least one data reader,

wherein the at least one data reader is operable to obtain from the memory, account data which respectively corresponds to an account selected by a user,

a magnetic stripe data modifier,

wherein the magnetic stripe data modifier is operable to modify the magnetic stripe to include account indicia which respectively corresponds to account data obtained by the at least one data reader, and

at least one processor,

wherein the at least one processor is in operative connection with the at least one input device, the at least one data reader, and the magnetic stripe data modifier,

wherein the at least one processor is configured to operate responsive at least in part to the at least one input device receiving at least one user input that corresponds to user selection of a respective account of the plurality of accounts, to;

 

cause the at least one data reader to obtain from the memory, the respective account data which corresponds to the respective account selected through the at least one input device, and

 

cause the magnetic stripe data modifier to modify the magnetic stripe to include respective account indicia which corresponds to the respective account data obtained by the at least one data reader.

16. The apparatus according to claim 15 wherein the at least one portable device includes a magnetic stripe reader operable to read different account data from magnetic stripes of different user cards,

wherein the at least one processor is operable responsive at least in part to at least one user input to the at least one input device, to cause account data read by the magnetic stripe reader to be stored in the memory of the card.

17. The apparatus according to claim 15 wherein the at least one portable device includes a portable terminal, and wherein the terminal includes the at least one input device, the at least one data reader, the magnetic stripe data modifier, and the at least one processor.

18. The apparatus according to claim 15 wherein the card includes the at least one input device, the at least one data reader, the magnetic stripe data modifier, and the at least one processor.

19. Apparatus comprising:

a portable handheld device,

wherein the portable handheld device includes memory, at least one user input device, and at least one processor,

wherein the portable handheld device is operable to place in the memory, respective account indicia which corresponds to a respective card account,

wherein the portable handheld device is operable to place in the memory, first account indicia read from a first magnetic stripe of a first card associated with a first card account,

 

wherein the first card with the first magnetic stripe including the first account indicia is usable to carry out a financial transaction on the first card account,

wherein the portable handheld device is operable to place in the memory, second account indicia read from a second magnetic stripe of a second card associated with a second card account,

 

wherein the second card with the second magnetic stripe including the second account indicia is usable to carry out a financial transaction on the second card account,

wherein the portable handheld device is operable responsive at least in part to at least one user input to the at least one user input device, to access account indicia placed in the memory and then reconfigure a card magnetic stripe of a multi-account card to include the account indicia accessed,

wherein the portable handheld device is operable responsive at least in part to at least one first user input to the at least one user input device, to;

 

access subsequent to having been placed in the memory, the first account indicia, and then reconfigure the card magnetic stripe to include the first account indicia in a manner that allows the multi-account card to be used in place of the first card to carry out a financial transaction on the first card account;

wherein the portable handheld device is operable responsive at least in part to at least one second user input to the at least one user input device, to;

 

access subsequent to having been placed in the memory, the second account indicia, and then

 

reconfigure the card magnetic stripe to include the second account indicia in a manner that allows the multi-account card to be used in place of the second card to carry out a financial transaction on the second card account.

20. The apparatus according to claim 19 wherein the portable handheld device comprises a terminal, and wherein the terminal includes a magnetic stripe writer operable to reconfigure the card magnetic stripe with different account indicia.

21. The apparatus according to claim 20 wherein the terminal includes a magnetic stripe reader operable to read different account indicia from magnetic stripes of different cards, and wherein the terminal is operable to place in the memory, respective account indicia read by the magnetic stripe reader from a magnetic stripe of a respective card.

22. The apparatus according to claim 19 wherein the portable handheld device comprises the multi-account card.