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

• US 8,561,889 B2
• Filed: 12/05/2011
• Issued: 10/22/2013
• 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: Modi, Ashok, Motz, Ray, Ramachandran, Natarajan, Hill, Jeff, Block, James, Steinbach, Klaus
• Primary Examiner(s): Frech, Karl D
• Application Number:
  US13/311,033
• Publication Number:
  US 20120074217A1
• Time in Patent Office: 687 Days
• Field of Search: 235/379, 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 at least one memory of the terminal. The 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 terminal also operates to provide outputs corresponding to account balances and to receive data corresponding to receipts.

Claims

1. Apparatus comprising:

a portable handheld terminal, including;

a card reader, wherein the card reader is operative to read card data from at least one of a debit card or a credit card, wherein the card data corresponds to a financial account,

at least one processor, wherein the at least one processor is in operative connection with the card reader,

at least one memory, wherein the at least one memory is in operative connection with the at least one processor, wherein the at least one processor is operative to cause data corresponding to the card data to be stored in the at least one memory,

at least one manual input device, wherein the at least one manual input device is operative to receive at least one identifying input from a terminal user, wherein the at least one identifying input has a predetermined relationship with the card data, and

a wireless communication device, wherein the wireless communication device is in operative connection with the at least one processor;

a plurality of automated banking machines, wherein each machine includes;

a cash dispenser,

a user interface,

wherein the user interface includes at least one user input device,

wherein the at least one input device is operative to receive input from a user of the machine,

wherein the at least one input device includes a machine card reader,

wherein the user interface includes at least one output device,

wherein the at least one output device includes a display panel;

at least one remote computer,

wherein the at least one remote computer includes a transaction host computer of a banking system,

wherein the transaction host computer is in operative connection with each of the plurality of automated banking machines,

wherein the transaction host computer is operative to receive data responsive at least in part to operation of the wireless communication device,

wherein the transaction host computer is operative to wirelessly receive data wirelessly communicated by 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 financial account,

 

wherein the data corresponds to at least a portion of the card data and at least a portion of the at least one identifying input.

2. The apparatus according to claim 1 wherein the at least one input device of each machine further includes a biometric reader,

wherein each machine further includes at least one computer,

wherein the at least one computer is operative to authorize a machine user to request a financial transaction involving the cash dispenser responsive at least in part to computer-determined correspondence between

card data read by the machine card reader, and

biometric data read by the biometric reader.

3. The apparatus according to claim 1 wherein the display panel comprises a flexible display panel,

wherein each automated banking machine further includes at least one moving device,

wherein the at least one moving device is operative

responsive to the machine card reader reading from a card, financial account data correlated with display panel settings data in at least one data store,

to cause flexing of the flexible display panel to change a radius of curvature of the flexible display panel to a configuration which corresponds to the display panel settings data.

4. Apparatus comprising:

at least one remote computer,

wherein the at least one remote computer is operative to receive data responsive at least in part to operation of a wireless communication device of a portable handheld terminal that includes;

a card reader, wherein the card reader is operative to read card data from at least one of a debit card or a credit card, wherein the card data corresponds to a financial account,

at least one processor, wherein the at least one processor is in operative connection with the card reader and the wireless communication device,

at least one memory, wherein the at least one memory is in operative connection with the at least one processor, wherein the at least one processor is operative to cause data corresponding to the card data to be stored in the at least one memory, and

at least one manual input device, wherein the at least one manual input device is operative to receive at least one identifying input from a terminal user, wherein the at least one identifying input has a predetermined relationship with the card data;

wherein the at least one remote computer is operative to wirelessly receive data wirelessly communicated by 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 financial account,

wherein the data corresponds to at least a portion of the card data and at least a portion of the at least one identifying input.

5. The apparatus according to claim 4 wherein the at least one remote computer comprises a transaction host computer.

6. The apparatus according to claim 4

wherein the card data includes a financial account number,

wherein the at least one manual input device is operative to receive at least one identifying input corresponding to a personal identification number having a predetermined relationship to the card data,

wherein the wireless communication device is operative to wirelessly communicate the personal identification number and the financial account number in the at least one communication to the at least one remote computer,

wherein the at least one remote computer is operative to cause the financial transfer responsive at least in part to receiving the personal identification number and the financial account number in the at least one communication wirelessly communicated by the wireless communication device.

7. Apparatus comprising:

at least one remote computer operative to carry out financial transfers involving financial accounts,

wherein the at least one remote computer is operative to receive data wirelessly communicated from a wireless communication device of a portable handheld terminal that includes;

at least one memory,

wherein the at least one memory includes data corresponding to card data,

 

wherein the card data corresponds to at least one financial account,

at least one processor,

wherein the at least one processor is in operative connection with the at least one memory and the wireless communication device,

at least one manual input device,

wherein the at least one manual input device is in operative connection with the at least one processor,

wherein at least one manual input to the at least one manual input device is operative to cause the wireless communication device to wirelessly communicate the data corresponding to the card data in at least one communication to the at least one remote computer;

wherein the at least one remote computer is operative to cause a financial transfer involving the at least one financial account, responsive at least in part to receiving the at least one communication wirelessly communicated by the wireless communication device responsive at least in part to the at least one manual input to the at least one manual input device.

8. The apparatus according to claim 7 wherein the terminal further includes a card reader operative to read the card data from a card,

wherein the at least one remote computer is operative to receive the card data in the at least one communication wirelessly communicated by the wireless communication device,

wherein the at least one remote computer is operative responsive at least in part to receiving the card data, to cause the financial transfer involving the at least one financial account.

9. The apparatus according to claim 7 wherein the at least one remote computer comprises a transaction host computer.

10. The apparatus according to claim 9

wherein the transaction host computer is associated with a merchant system that includes a plurality of stores,

wherein the transaction host computer is in operative connection with each of the plurality of stores.

11. The apparatus according to claim 7

wherein the card data includes a financial account number,

wherein the wireless communication device is operative to wirelessly communicate the financial account number in the at least one communication to the at least one remote computer,

wherein the at least one remote computer is operative to cause the financial transfer responsive at least in part to receiving the financial account number in the at least one communication wirelessly communicated by the wireless communication device.

12. The apparatus according to claim 7

wherein the at least one manual input device is operative to receive a personal identification number having a predetermined relationship to the card data,

wherein the wireless communication device is operative to wirelessly communicate the personal identification number in the at least one communication to the at least one remote computer,

wherein the at least one remote computer is operative to cause the financial transfer responsive at least in part to receiving the personal identification number in the at least one communication wirelessly communicated by the wireless communication device.

13. The apparatus according to claim 7 wherein the terminal comprises a phone, wherein the at least one remote computer is operative to wirelessly communicate with the phone in carrying out the financial transfer.

14. Apparatus comprising:

at least one remote computer operative to carry out financial transfers involving financial accounts,

wherein the at least one remote computer is operative to receive data responsive at least in part to operation of a wireless communication device of a portable handheld terminal that includes;

at least one input device,

wherein the at least one input device is operative to receive card data corresponding to data included on at least one of a debit card or a credit card, wherein the card data corresponds to at least one financial account,

at least one memory,

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 memory, and the wireless communication device,

wherein the at least one processor is operative to cause data corresponding to the card data to be stored in the at least one memory, and

wherein the at least one processor is operative during a financial transaction involving the at least one remote computer, to cause the wireless communication device to wirelessly communicate at least a portion of the data corresponding to the card data to the at least one remote computer,

wherein the at least one remote computer is operative to receive the at least a portion of the data corresponding to the card data wirelessly communicated by the wireless communication device,

wherein the at least one remote computer is operative responsive at least in part to receiving the at least a portion of the data corresponding to the card data, to carry out a financial transaction that includes a financial transfer at least one of to or from the financial account.

15. The apparatus according to claim 14

wherein the at least one input device includes a card reader, wherein the card reader is operative to read the card data from the at least one of a debit card or a credit card,

wherein the at least one remote computer is operative to receive the card data read by the card reader in at least one communication wirelessly communicated by the wireless communication device,

wherein the at least one remote computer is operative responsive at least in part to receiving the card data read by the card reader, to carry out the financial transaction.

16. The apparatus according to claim 14

wherein the card data includes a financial account number,

wherein the wireless communication device is operative to wirelessly communicate the financial account number in at least one communication to the at least one remote computer,

wherein the at least one remote computer is operative to carry out the financial transaction responsive at least in part to receiving the financial account number in the at least one communication wirelessly communicated by the wireless communication device.

17. The apparatus according to claim 14

wherein the at least one input device includes at least one manual input device,

wherein the at least one manual input device is operative to receive a personal identification number having a predetermined relationship to the card data,

wherein the wireless communication device is operative to wirelessly communicate the personal identification number in at least one communication to the at least one remote computer,

wherein the at least one remote computer is operative to carry out the financial transaction responsive at least in part to receiving the personal identification number in the at least one communication wirelessly communicated by the wireless communication device.

18. The apparatus according to claim 14 wherein the at least one remote computer comprises a transaction host computer.

19. The apparatus according to claim 18 wherein the at least one remote computer comprises a transaction host computer of a merchant system.

20. The apparatus according to claim 14 wherein the terminal comprises a phone, wherein the at least one remote computer is operative to wirelessly communicate with the phone in carrying out the financial transaction.