Automated transaction machine

• US 8,560,451 B2
• Filed: 10/31/2007
• Issued: 10/15/2013
• Est. Priority Date: 05/10/1996
• Status: Expired due to Fees

• Current Assignee: Transaction Holdings Ltd LLC
• Original Assignee: Transaction Holdings Ltd LLC
• Inventors: Barcelou, David M.
• Primary Examiner(s): Trammell, James
• Assistant Examiner(s): Malhotra, Sanjeev
• Application Number:
  US11/982,187
• Publication Number:
  US 20080065545A1
• Time in Patent Office: 2,176 Days
• Field of Search: 705/5, 705/21, 705/25, 705/40, 705/41, 705/43, 382/115, 379/91.01
• US Class Current: 705/43
• CPC Class Codes: G06Q 20/102 Bill distribution or payments
• 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 20/40 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 30/06 Buying, selling or leasing transactions
• CPC Class Codes: G07F 17/0014 for vending, access and use of specific services not covered anywhere else in G07F17/00 meter-controlled dispensing of liquid, gas or electricity G07F15/00
• CPC Class Codes: G07F 17/32 for games, toys, sports, or amusements
• CPC Class Codes: G07F 17/3255 Incentive, loyalty and/or promotion schemes, e.g. comps, gaming associated with a purchase, gaming funded by advertisements
• CPC Class Codes: G07F 19/20 Automatic teller machines [ATMs]
• CPC Class Codes: G07F 19/201 Accessories of ATMs
• CPC Class Codes: G07F 19/206 Software aspects at ATMs

Abstract

An automated retail terminal in which a plurality of goods and/or services are provided in an integrated system. The integrated system generally avoids duplicating hardware or functions in the course of delivering the goods or services offered, so for example in a combination ATM and Internet kiosk the same credit card or smart card reader is used for both the ATM and the Internet kiosk functions, the same control screen activates the ATM functions and the Internet functions, and etc.

Claims

1. An integrated banking and transaction machine system for use by a consumer to purchase access to a retail automated teller machine cash dispensing service, comprising:

an automated teller machine;

a user interface to the automated teller machine to provide access to at least one automated teller machine service and access to at least one cash dispensing service;

a device for at least one of the functions of identifying the user to the automated teller machine or selectively dispensing encodable cash to the user of the automated teller machine, the device comprising any combination of sensor, smart card and magnetic stripe card reading and encoding;

information network services to the automated teller machine to at least one Intranet service, to at least one Internet service, and to at least one payment network service that uses encryption services and security services to provide the user access to the user interface and the retail automated teller machine service;

a bill dispenser to selectively dispense bills to the user through the automated teller machine service;

access to the automated teller machine user interface whereupon the consumer may selectively dispense cash using the integrated banking and transaction machine providing the retail automated teller machine service; and

wherein the consumer can purchase access to the retail automated teller machine cash dispensing service through use of the user interface and information, Intranet, Internet and payment network services.

2. The integrated banking and transaction machine according to claim 1, further comprising means for consummating the purchase with electronic currency.

3. The integrated banking and transaction machine according to claim 1, further comprising means for consummating the purchase with wireless smart card services.

4. The integrated banking and transaction machine according to claim 1, further comprising means for consummating the purchase with wireless smart phone payment services.

5. The integrated banking and transaction machine according to claim 1, further comprising means for consummating the purchase with wireless smart phone and wireless telephone network payment services.

6. The integrated banking and transaction machine according to claim 1, further comprising means for consummating the purchase with wireless smart phone and wireless telephone network payment services and a fingerprint.

7. The integrated banking and transaction machine according to claim 1, further comprising means for consummating the purchase with wireless smart phone and wireless telephone network payment services and an iris print.

8. The integrated banking and transaction machine according to claim 1, further comprising means for consummating the purchase with a fingerprint.

9. The integrated banking and transaction machine according to claim 1, further comprising means for consummating the purchase with an iris print.

10. The integrated banking and transaction machine according to claim 1, further comprising means for consummating the purchase with a smart card.

11. The integrated banking and transaction machine according to claim 1, further comprising means for consummating the purchase with a credit card.

12. The integrated banking and transaction machine according to claim 1, further comprising means for consummating the purchase with a debit card.

13. The integrated banking and transaction machine according to claim 1, further comprising means for consummating the purchase with a stored value card.

14. The integrated banking and transaction machine according to claim 1, further comprising means for consummating the purchase with a payment card.

15. The integrated banking and transaction machine according to claim 1, further comprising means for consummating the purchase with an identification card.

16. The integrated banking and transaction machine according to claim 1, further comprising means for consummating the purchase with removable media recorded with encodable currency, digital cash or electronic cash of variable types.