Banking system operated responsive to data bearing records

• US 8,590,782 B1
• Filed: 04/05/2013
• Issued: 11/26/2013
• Est. Priority Date: 11/27/1998
• Status: Expired due to Term

• Current Assignee: Diebold Nixdorf, Incorporated
• Original Assignee: Diebold Incorporated (Diebold Nixdorf, Incorporated)
• Inventors: Reinart, Mark, Kravitz, Lee, Devarasetty, Balaji, Billett, Nick, MEEK, JAMES, Hemlick, William, Koran, Ken, O'Boyle, Michael
• Primary Examiner(s): Le, Thien M
• Assistant Examiner(s): JOHNSON, SONJI N
• Application Number:
  US13/857,761
• Time in Patent Office: 235 Days
• Field of Search: None
• US Class Current: 235/379
• CPC Class Codes: G06Q 20/1085 involving automatic teller machines [ATMs]
• CPC Class Codes: G06Q 30/0241 Advertisements
• CPC Class Codes: G07F 19/20 Automatic teller machines [ATMs]
• CPC Class Codes: G07F 19/206 Software aspects at ATMs
• CPC Class Codes: G07F 19/211 Software architecture within ATMs or in relation to the ATM network
• CPC Class Codes: G07F 7/08 by coded identity card or credit card or other personal identification means without personal verification means G07F7/02
• CPC Class Codes: G07F 9/023 Arrangements for display, data presentation or advertising

Abstract

A system includes a plurality of machines that operate responsive to data bearing records such as user cards (74, 76, 78, 80, 82, 84, 86). The machines operate to carry out financial transactions with associated host computers (90, 94, 100, 104) responsive to determinations that card data corresponds to computer stored data corresponding to authorized users or accounts. Marketing presentations are stored on and output from the machines responsive to messages exchanged with a market message server (110) which is connected to the machines. Systems can also distribute and activate instructions corresponding to states and screens logic on the machines to determine operation.

Claims

1. Apparatus comprising:

an automated banking machine operable responsive at least in part to data read from data bearing records,

wherein the machine is operable to communicate with a remote financial transaction host that is operable to authorize the machine to carry out transactions,

wherein the machine includes at least one data reader,

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

wherein the machine includes a cash dispenser,

wherein the cash dispenser is operative to selectively dispense cash stored in the machine to authorized customers of the machine,

wherein the machine is operable to allow an authorized customer to carry out a cash dispense transaction involving a financial account identified through use of customer data read by the at least one data reader, responsive at least in part to receiving authorization from the financial transaction host for the cash dispense transaction,

wherein the machine is operable to cause the financial account to be assessed a value associated with cash dispensed in carrying out the cash dispense transaction,

wherein the machine includes at least one display,

wherein the at least one display is operable to output display screens to machine users,

wherein the machine includes at least one data store including;

first arrangement data that causes the machine to follow a first arrangement of transaction logic flow steps when carrying out a first transaction, and

first display data that corresponds to a plurality of display screens associated with the transaction logic flow steps of the first arrangement,

wherein the display screens associated with the transaction logic flow steps of the first arrangement are displayable through the at least one display;

a server remotely located from the machine,

wherein the server is not operable to authorize the machine to carry out transactions,

wherein the server is operable to communicate at least one message to the machine through at least one communication path that is independent of the financial transaction host,

wherein the at least one message causes the at least one data store to include;

second arrangement data that causes the machine to follow a second arrangement of transaction logic flow steps when carrying out a second transaction which differs from the first transaction,

 

wherein the second arrangement differs from the first arrangement, and

second display data that corresponds to a plurality of display screens associated with the transaction logic flow steps of the second arrangement,

 

wherein the display screens associated with the transaction logic flow steps of the second arrangement are displayable through the at least one display.

2. The apparatus according to claim 1 wherein the machine is respectively associated with at least one processor,

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

wherein the at least one processor is operable during a user transaction session to:

cause card data to be read from a card through operation of the card reader, and then cause the read card data to be compared with card information stored in at least one authorization data store, and

cause biometric data to be read through operation of the biometric reader, and then cause the read biometric data to be compared with biometric information in the at least one authorization data store;

wherein the at least one processor is operable to authorize a machine user to carry out a cash withdrawal transaction that involves operation of the cash dispenser, responsive at least in part to;

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

computer-determined correspondence between the read biometric data and the biometric information, and

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

3. The apparatus according to claim 1

wherein the server is associated with a plurality of automated banking machines of a banking system,

wherein each respective machine respectively includes at least one data store,

wherein the server is operable to communicate the at least one message to each respective machine,

wherein the at least one message causes each respective at least one data store to include the second arrangement data and the second display data.

4. Apparatus comprising:

at least one computer configured to operate to cause at least one data store, associated with an automated banking machine that is operable responsive at least in part to data read from data bearing records,

wherein the machine includes at least one display,

wherein the machine includes at least one reader,

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

wherein the machine is operable to carry out transactions authorized by a remote financial transaction host,

wherein the at least one data store includes first arrangement data corresponding to a first arrangement of transaction logic flow steps,

wherein the first arrangement data causes the machine to follow the steps of the first arrangement when carrying out a first transaction, and

wherein the at least one data store includes first display data corresponding to a plurality of first arrangement display screens associated with the steps of the first arrangement,

wherein the steps of the first arrangement include displaying the first arrangement display screens;

to include;

second display data corresponding to a plurality of second arrangement display screens associated with steps of a second arrangement of transaction logic flow steps, and

second arrangement data corresponding to the second arrangement of transaction logic flow steps,

wherein the second arrangement data causes the machine to follow the steps of the second arrangement when carrying out a second transaction,

wherein the steps of the second arrangement include displaying the second arrangement display screens,

wherein the second arrangement differs from the first arrangement;

wherein the at least one computer differs from the financial transaction host,

wherein the at least one computer is operable to cause the at least one data store to include the second display data and the second arrangement data, independent of the financial transaction host.

5. The apparatus according to claim 4 wherein the machine includes a cash dispenser,

wherein the machine is respectively associated with at least one processor,

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

wherein the at least one processor is operable during a user transaction session to:

cause card data to be read from a card through operation of the card reader, and then cause the read card data to be compared with card information stored in at least one authorization data store, and

cause biometric data to be read through operation of the biometric reader, and then cause the read biometric data to be compared with biometric information in the at least one authorization data store;

wherein the at least one processor is operable to authorize a machine user to carry out a cash withdrawal transaction that involves operation of the cash dispenser, responsive at least in part to;

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

computer-determined correspondence between the read biometric data and the biometric information, and

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

6. The apparatus according to claim 4 wherein the at least one computer is associated with a plurality of automated banking machines of a banking system, wherein each respective machine is respectively associated with at least one data store, wherein the at least one computer is operable to cause each respective at least one data store to include the second display data and the second arrangement data.

7. The apparatus according to claim 4 wherein the at least one computer comprises a server.

8. The apparatus according to claim 7 wherein the server is operable to communicate with the controller through a communication path that is independent of the remote financial transaction host.

9. The apparatus according to claim 7 wherein the server is operable to cause the first arrangement data to be replaced by the second arrangement data in the at least one data store.

10. The apparatus according to claim 7 wherein the server is operable to cause display data corresponding to at least one additional display screen to be included in the at least one data store.

11. The apparatus according to claim 4 wherein the steps of the first arrangement correspond to machine states, and wherein the steps of the second arrangement correspond to machine states.

12. Apparatus comprising:

at least one computer operable to cause at least one message to be communicated to an automated banking machine controller that is configured to both;

control an automated banking machine in carrying out financial transactions authorized by a remote financial transaction host,

wherein a first transaction is carried out according to a first arrangement of transaction logic flow steps, and

access at least one data store that includes;

data corresponding to the first arrangement of transaction logic flow steps, and

data corresponding to a plurality of display screens which are;

associated with the steps of the first arrangement of transaction logic flow steps, and

displayable through at least one display of the machine;

wherein the at least one computer is remotely located from the controller,

wherein the at least one computer is not part of the remote financial transaction host,

wherein the at least one message both;

causes the at least one data store to include;

data corresponding to a second arrangement of transaction logic flow steps,

 

wherein the second arrangement of transaction logic flow steps differs from the first arrangement of transaction logic flow steps, and

data corresponding to a plurality of display screens which are;

 

associated with the steps of the second arrangement of transaction logic flow steps, and

 

displayable through the at least one display, and

enables the controller to control the machine in carrying out a second transaction according to the second arrangement of transaction logic flow steps.

13. The apparatus according to claim 12 wherein the machine includes a cash dispenser,

wherein the machine is respectively associated with at least one processor,

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

wherein the at least one processor is operable during a user transaction session to:

cause card data to be read from a card through operation of the card reader, and then cause the read card data to be compared with card information stored in at least one authorization data store, and

cause biometric data to be read through operation of the biometric reader, and then cause the read biometric data to be compared with biometric information in the at least one authorization data store;

wherein the at least one processor is operable to authorize a machine user to carry out a cash withdrawal transaction that involves operation of the cash dispenser, responsive at least in part to;

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

computer-determined correspondence between the read biometric data and the biometric information, and

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

14. The apparatus according to claim 12 wherein the at least one computer comprises a server, wherein the server is operable to communicate with the controller.

15. The apparatus according to claim 14 wherein the server is operable to communicate with the controller through a communication path that is independent of the remote financial transaction host.

16. The apparatus according to claim 14 wherein the controller is operable to receive the at least one message while the machine is not carrying out a financial transaction.

17. The apparatus according to claim 14 wherein the machine is part of a banking system that includes a plurality of automated banking machines, wherein each respective machine is associated with a respective controller that is operable to receive the at least one message from the server.

18. The apparatus according to claim 12 wherein the at least one message causes the data corresponding to the first arrangement to be replaced by the data corresponding to the second arrangement in the at least one data store.

19. The apparatus according to claim 12 wherein the at least one message causes data corresponding to at least one additional display screen to be included in the at least one data store.

20. The apparatus according to claim 12

wherein the steps of the first arrangement correspond to machine states,

wherein the steps of the second arrangement correspond to machine states, and

wherein the at least one message causes data corresponding to at least one additional machine state to be included in the at least one data store.