Banking system controlled responsive to data bearing records

• US 8,573,479 B1
• Filed: 06/13/2011
• Issued: 11/05/2013
• Est. Priority Date: 12/20/2005
• Status: Active Grant

• Current Assignee: Diebold Nixdorf, Incorporated
• Original Assignee: Diebold Self-Service Systems (Diebold Nixdorf, Incorporated)
• Inventors: Hartman, Joseph, Jenkins, Randall, Ramachandran, Natarajan, Crews, Tim, Steinbach, Klaus, Konecny, Anne E., Motz, Raymond P.
• Primary Examiner(s): Lee, Michael G
• Assistant Examiner(s): CHEDEKEL, TABITHA F
• Application Number:
  US13/134,654
• Time in Patent Office: 876 Days
• Field of Search: 235/375, 235/379, 235/380
• US Class Current: 235/379
• CPC Class Codes: G06F 3/016 Input arrangements with force or tactile feedback as computer generated output to the user
• CPC Class Codes: G06F 3/0482 Interaction with lists of selectable items, e.g. menus
• CPC Class Codes: G06F 3/04886 by partitioning the display area of the touch-screen or the surface of the digitising tablet into independently controllable areas, e.g. virtual keyboards or menus
• CPC Class Codes: G06Q 20/1085 involving automatic teller machines [ATMs]
• CPC Class Codes: G06Q 20/4012 Verifying personal identification numbers [PIN]
• CPC Class Codes: G07F 19/201 Accessories of ATMs
• CPC Class Codes: G07F 19/205 Housing aspects of ATMs

Abstract

A machine (10) is operative to carry out financial transfers responsive to data included on data bearing records including user cards. The machine includes a user interface (15) including a display (24). The user interface includes a card reader (16) which is operative to read data on user cards which identify at least one of user and a user'"'"'s financial accounts. Records of the financial transfers are provided by a printer (30). A touch screen display module (608) is operative to securely receive manual inputs and/or card data. The touch screen display module includes a contact surface that can be electronically contoured to provide outputs that can be perceived through finger contact with the contact surface.

Claims

1. Apparatus comprising:

an automated transaction machine operable to cause financial transactions involving transfers of value,

wherein the machine includes;

at least one data reader,

wherein the at least one data reader is operable to read data usable to identify a financial account on which financial transactions can be carried out with the machine,

a display including a touch screen,

wherein the touch screen includes a contact surface,

 

wherein the contact surface includes at least one contact area,

 

wherein each contact area is manually touchable,

 

wherein the at least one contact area includes a first contact area,

wherein the touch screen is operable to selectively output visual elements that are visible through the contact surface,

 

wherein the visual elements include a first visual element,

 

wherein the first visual element is visible through the first contact area,

 

wherein the first visual element is selectable by a user of the display through manual touch with the first contact area,

 

wherein the touch screen is operable to receive through the manual touch with the first contact area, user input corresponding to user selection of the first visual element,

 

wherein the first visual element is associated with tactile output,

 

wherein the display is operable to selectively produce tactile output by causing at least one change in contour of the first contact area, responsive at least in part to output of the first visual element in the first contact area,

 

wherein the display is operable to selectively produce, responsive at least in part to the manual touch with the first contact area during user selection of the first visual element,

tactile output through the first contact area which allows the user to tangibly feel, through manual contact with the first contact area, a sensation of movement from the first contact area.

2. The apparatus according to claim 1 wherein the machine includes a cash dispenser,

wherein the machine is associated with at least one processor,

wherein the at least one processor is in operative connection with the at least one data reader, the display, and the cash dispenser,

wherein the at least one processor is operable to:

cause the at least one data reader to read user data,

cause the cash dispenser to dispense cash during a cash dispense transaction involving a financial account, responsive at least in part to computer-determined correspondence between the user data read by the at least one reader and the financial account, and

cause the financial account to be assessed value for the cash dispensed by the cash dispenser.

3. The apparatus according to claim 1 wherein the first visual element corresponds to a character that is touch selectable during user input of a personal identification number (PIN),

wherein the display is operable to receive user selection of a PIN character responsive at least in part to manual touch with the first contact area,

wherein the tactile output corresponds to user selection of the PIN character.

4. The apparatus according to claim 1 wherein the first visual element corresponds to a cash amount,

wherein the display is operable to receive user selection of the cash amount, responsive at least in part to manual touch with the first contact area.

5. The apparatus according to claim 1 wherein the first visual element corresponds to a transaction type,

wherein the display is operable to receive user selection of the transaction type, responsive at least in part to manual touch with the first contact area.

6. The apparatus according to claim 1 wherein the display is operable to produce tactile output through the first contact area by causing vibration in the first contact area.

7. The apparatus according to claim 6 wherein the display is operable to cause the first contact area to vibrate responsive at least in part to output of the first visual element in the first contact area.

8. The apparatus according to claim 7 wherein the display is operable to cause the first contact area to vibrate responsive at least in part to both:

output of the first visual element in the first contact area, and

manual touch with the first contact area while the first visual element is being output in the first contact area.

9. The apparatus according to claim 1 wherein the display is operable to cause the at least one change in contour of the first contact area responsive at least in part to both:

output of the first visual element in the first contact area, and

manual touch with the first contact area while the first visual element is being output in the first contact area.

10. The apparatus according to claim 1 wherein the first visual element is selectable through continuous manual touch with the first contact area for more than a predetermined time period.

11. The apparatus according to claim 1 wherein the first visual element is selectable through a plurality of manual touches with the first contact area within a predetermined time period.

12. The apparatus according to claim 1 wherein the display is part of a touch screen display module,

wherein the touch screen display module includes at least one module processor,

wherein the touch screen display module includes at least one module data store,

wherein the at least one module data store is in operative connection with the at least one module processor,

wherein the at least one module data store includes data corresponding to at least one encryption key,

wherein the at least one module processor is operative to generate encrypted data corresponding to the user selection of the first visual element, responsive at least in part to the at least one encryption key.

13. The apparatus according to claim 12 wherein the at least one module data store comprises a volatile memory,

wherein the touch screen display module includes a housing,

wherein the housing encloses the at least one module processor and the at least one module data store,

wherein the housing includes at least one sensor,

wherein the at least one sensor is operative to detect opening of the housing,

wherein the touch screen display module is configured to cause the at least one encryption key to be erased from the at least one module data store, responsive to the at least one sensor detecting opening of the housing.

14. The apparatus according to claim 1 wherein the display is operable to produce a tactile output through respective different contact areas of the touch screen.

15. Apparatus comprising:

an automated transaction machine,

wherein the machine includes;

at least one data reader,

wherein the at least one data reader is operable during a user session with the machine, to read user data usable to identify a financial account,

at least one cash handling mechanism, and

a touch screen display including a touch screen,

wherein the touch screen includes a contact surface,

 

wherein the touch screen is operable to output visual elements that are visible through the contact surface,

 

wherein the contact surface includes a first contact area,

 

wherein the contact surface includes a changeable contour that allows the touch screen to selectively provide tactile output through the first contact area;

at least one processor associated with the touch screen display,

wherein the at least one processor is operable to cause the touch screen to output the visual elements,

wherein the at least one processor is operable to cause the touch screen to provide through the first contact area prior to manual contact with the first contact area during the user session, tactile output that is tangibly indicative of a first element which is user selectable through at least one manual contact with the first contact area,

wherein the tactile output provided through the first contact area is caused by at least one change in the contour of the first contact area,

wherein the at least one processor is subsequently operable to receive through the at least one manual contact with the first contact area, user input which corresponds to user selection of the first element.

16. The apparatus according to claim 15 wherein the first element corresponds to a button, wherein the tactile output provided through the first contact area corresponds to a tangible representation of the button, and wherein the at least one change in the contour of the first contact area produces tangible boundaries of the button.

17. The apparatus according to claim 16 wherein the visual elements include a first visual element,

wherein the at least one processor is operable to cause the touch screen to provide the first visual element through the first contact area prior to manual contact with the first contact area during the user session,

wherein the first visual element is visible through the first contact area,

wherein the first visual element is associated with the tactile output provided through the first contact area,

wherein the first visual element is visually indicative of the button.

18. The apparatus according to claim 15 wherein the at least one processor is operable to cause the touch screen to temporarily provide vibration in the first contact area, responsive at least in part to receiving the user input through the at least one manual contact with the first contact area.

19. Apparatus comprising:

an automated transaction machine,

wherein the machine includes;

at least one data reader,

wherein the at least one data reader is operable to read user data usable to identify a financial account,

at least one cash handling mechanism, and

a touch screen display including a touch screen,

wherein the touch screen includes a contact surface,

 

wherein the touch screen is operable to output visual elements that are visible through the contact surface,

 

wherein the contact surface includes a first contact area,

 

wherein the contact surface includes a changeable contour that allows the touch screen to selectively provide tactile output through the first contact area;

at least one processor associated with the touch screen display,

wherein the at least one processor is operable to cause the touch screen to output the visual elements,

wherein the at least one processor is operable to cause independent of any manual contact with the first contact area, the touch screen to temporarily provide tactile output through the first contact area,

wherein the tactile output provided through the first contact area is caused by at least one change in the contour of the first contact area,

wherein the tactile output provided through the first contact area is tangibly indicative of a first element which is user selectable through at least one manual contact with the first contact area,

wherein the at least one processor is subsequently operable to receive through at least one manual contact with the first contact area, user input which corresponds to user selection of the first element.

20. The apparatus according to claim 19 wherein the first element corresponds to a button, wherein the tactile output provided through the first contact area corresponds to a tangible representation of the button, and wherein the at least one change in the contour of the first contact area produces tangible boundaries of the button.

21. The apparatus according to claim 20 wherein the visual elements include a first visual element,

wherein the at least one processor is operable to cause, independent of any manual contact with the first contact area, the touch screen to provide the first visual element through the first contact area,

wherein the first visual element is visible through the first contact area,

wherein the first visual element is associated with the tactile output provided through the first contact area,

wherein the first visual element is visually indicative of the button.

22. The apparatus according to claim 19 wherein the at least one processor is operable to cause the touch screen to temporarily provide vibration in the first contact area, responsive at least in part to receiving the user input through the at least one manual contact with the first contact area.

23. The apparatus according to claim 19 wherein the first element corresponds to a character that is touch selectable during user input of a personal identification number (PIN),

wherein the at least one processor is operable to receive user selection of a PIN character responsive at least in part to manual contact with the first contact area.

24. The apparatus according to claim 19 wherein the first element corresponds to a cash amount that is touch selectable during user input of cash amount data,

wherein the at least one processor is operable to receive user selection of the cash amount responsive at least in part to manual contact with the first contact area.

25. The apparatus according to claim 19 wherein the first element corresponds to a transaction type that is touch selectable during user input of transaction type data,

wherein the at least one processor is operable to receive user selection of the transaction type responsive at least in part to manual contact with the first contact area.