ATM that allows a user to select a desired transaction by touch dragging a displayed icon that represents the desired transaction

• US 8,640,946 B1
• Filed: 04/25/2012
• Issued: 02/04/2014
• Est. Priority Date: 04/17/1998
• Status: Expired due to Fees

• Current Assignee: Diebold Nixdorf, Incorporated
• Original Assignee: Diebold Self-Service Systems (Diebold Nixdorf, Incorporated)
• Inventors: Magee, Paul D., Block, James, Graef, H. Thomas, Ramachandran, Natarajan, DePietro, Mark, McIntyre, Daniel S., MEEK, JAMES, Nelson, Jr., Donald S.
• Primary Examiner(s): Lee, Michael G
• Assistant Examiner(s): ELLIS, SUEZU Y
• Application Number:
  US13/455,180
• Time in Patent Office: 650 Days
• Field of Search: 235/379, 705/35, 705/39, 705/43, 705/44, 709/204
• US Class Current: 235/379
• CPC Class Codes: G06F 3/04817 using icons graphical or visual programming using iconic symbols G06F8/34
• CPC Class Codes: G06F 3/04883 for inputting data by handwriting, e.g. gesture or text
• CPC Class Codes: G06Q 20/1085 involving automatic teller machines [ATMs]
• CPC Class Codes: G06Q 20/308 using the Internet of Things
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: G07F 19/20 Automatic teller machines [ATMs]

Abstract

An automated banking machine allows an authorized user to carry out transactions such as withdrawing cash, making a deposit, cashing a check, and transferring funds between accounts. The machine provides a transaction selection screen through a touch screen display. The transaction selection screen includes a plurality of visually different icons. Each icon represents a different transaction that is available to the current machine user. The user can select a particular transaction by dragging its representative icon with a contacting finger. Upon selection of the particular transaction, a display screen unique to that particular transaction is then provided through the touch screen display.

Claims

1. Apparatus comprising:

an automated banking machine,

wherein the machine includes at least one reader,

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

wherein the machine includes a touch screen display,

wherein the touch screen display includes a display surface,

at least one computer associated with the machine,

wherein the at least one computer is operable to cause a selection screen to be displayed through the touch screen display,

wherein the selection screen includes visually different icons concurrently displayed on the display surface,

wherein the icons respectively represent different types of selections available to the user,

wherein the icons comprise at least a first icon, a second icon, and a third icon,

 

wherein the first icon corresponds to a cash withdrawal transaction,

 

wherein the second icon corresponds to a deposit transaction,

 

wherein the third icon corresponds to a request for banking service assistance,

wherein each respective icon is movable on the display surface by the user moving a finger while the finger contacts the respective icon displayed on the display surface,

 

wherein the cash withdrawal transaction is user selectable through user finger movement of the first icon,

 

wherein the deposit transaction is user selectable through user finger movement of the second icon,

 

wherein the request for banking service assistance is user selectable through user finger movement of the third icon,

wherein the at least one computer is operable responsive at least in part to user finger movement of the first icon, to cause a first display screen unique to the cash withdrawal transaction to be displayed through the touch screen display,

wherein the at least one computer is operable responsive at least in part to user finger movement of the second icon, to cause a second display screen unique to the deposit transaction to be displayed through the touch screen display,

wherein the at least one computer is operable responsive at least in part to user finger movement of the third icon, to cause a third display screen that corresponds to the request for banking service assistance to be displayed through the touch screen display,

wherein the first display screen, the second display screen, and the third display screen differ from each other.

2. The apparatus according to claim 1 wherein the automated banking machine includes a cash dispenser, wherein the at least one reader includes a card reader and a biometric reader,

wherein the at least one computer is operable to

cause card data to be read from a customer card through operation of the card reader, and

cause biometric data to be read from a customer through operation of the biometric reader,

wherein the at least one computer is operable to cause the read card data to be compared with card information stored in an authorized machine user information data store,

wherein the at least one computer is operable to cause the read biometric data to be compared with biometric information stored in the authorized machine user information data store,

wherein a customer is authorized to request a financial transaction that involves operation of the cash dispenser responsive at least in part to both

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

computer-determined correspondence between the read biometric data and stored biometric information.

3. The apparatus according to claim 1 and further comprising

a customer station,

wherein the customer station includes the automated banking machine,

wherein the touch screen display comprises a customer touch screen,

wherein the customer touch screen includes the display surface,

a service provider (SP) station,

wherein the SP station includes a SP display,

wherein the SP display includes a SP touch screen,

wherein the SP touch screen includes a surface area,

wherein the SP touch screen differs from the customer touch screen,

wherein the at least one computer operatively connects the SP station and the customer station,

wherein the at least one computer is operable to cause an actual visual display that is currently being output through the customer touch screen, to be reproduced and simultaneously output through a first portion of the SP touch screen,

wherein the at least one computer is further operable responsive at least in part to manual movement of a SP finger while the finger is kept in contact with the surface area, to cause an electronic marking to be visually added to the actual visual display,

wherein a shape of the marking corresponds to a path taken by the SP finger during the movement.

4. Apparatus comprising:

at least one customer station,

wherein the at least one customer station includes an automated banking machine that is operable responsive at least in part to data bearing records to carry out financial transactions,

wherein the machine includes a cash dispenser,

wherein the cash dispenser is operable to selectively dispense cash stored in the machine to authorized users of the machine,

wherein the machine includes at least one reader,

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

wherein the at least one reader is operable to read customer data usable to identify a customer as an authorized user of the machine,

wherein the at least one customer station includes a first customer station,

wherein the first customer station is one of a personal computing device or a personal communication device,

wherein the first customer station includes a customer display,

wherein the customer display includes a customer touch screen,

 

wherein the customer touch screen is operable to respectively output different visual displays that are each separately viewable by a customer at the first customer station,

a service provider (SP) station,

wherein the SP station includes a SP display,

wherein the SP display includes a SP touch screen,

wherein the SP touch screen differs from the customer touch screen,

at least one computer,

wherein the at least one computer is operable to cause the machine to carry out a requested cash withdrawal transaction on a financial account, based at least in part on customer data read by the at least one reader corresponding to the financial account and an authorized user of the machine,

wherein the at least one computer operatively connects the SP station and the first customer station,

wherein the at least one computer is operable to cause an actual visual display that is currently being output through the customer touch screen, to be reproduced and simultaneously output as a reproduced visual display through a first portion of the SP touch screen,

wherein the at least one computer is further operable to cause an electronic marking to be visually added to the actual visual display, responsive at least in part to the first portion of the SP touch screen being manually touched.

5. The apparatus according to claim 4 wherein the SP touch screen includes a surface area,

wherein manual movement of a SP finger while the finger is kept in contact with the surface area, causes the electronic marking to be output in the actual visual display.

6. The apparatus according to claim 5 wherein manual movement of a SP finger while the finger is kept in contact with the surface area, causes the electronic marking to be generated,

wherein a shape of the generated electronic marking corresponds to a path taken by the finger during the finger movement.

7. The apparatus according to claim 6 wherein the at least one computer is operable responsive to the path being along the surface area from a first position to a second position over the reproduced visual display, to cause a same electronic marking shape to be displayed between a corresponding first position and a second position of the actual visual display.

8. The apparatus according to claim 6 wherein the first customer station and the SP station are both located in a same facility, wherein the facility includes a bank, and wherein the bank includes a customer-accessible bank teller area.

9. The apparatus according to claim 4 wherein the first customer station comprises a mobile phone.

10. The apparatus according to claim 4 wherein the at least one computer is operable to cause a same electronic marking to be simultaneously displayed through both the SP touch screen and the customer touch screen, responsive to the SP touch screen being manually touched.

11. The apparatus according to claim 4

wherein the one of a personal computing device or a personal communication device comprises a wireless device,

wherein the wireless device comprises one of a PDA device, iPad device, tablet device, laptop computer, or smart phone.

12. Apparatus comprising:

at least one customer station,

wherein the at least one customer station includes an automated banking machine that is operable responsive at least in part to data bearing records to carry out financial transactions,

wherein the machine includes a cash dispenser,

wherein the cash dispenser is operable to selectively dispense cash stored in the machine to authorized users of the machine,

wherein the machine includes at least one reader,

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

wherein the at least one reader is operable to read customer data usable to identify a customer as an authorized user of the machine,

wherein the at least one customer station includes a first customer station,

wherein the first customer station includes a customer display,

wherein the customer display includes a customer touch screen,

 

wherein the customer touch screen is operable to respectively output different visual displays that are each separately viewable by a customer at the first customer station,

a service provider (SP) station,

wherein the SP station includes a SP display,

wherein the SP display includes a SP touch screen,

wherein the SP touch screen differs from the customer touch screen,

at least one computer,

wherein the at least one computer is operable to cause the machine to carry out a requested cash withdrawal transaction on a financial account, based at least in part on customer data read by the at least one reader corresponding to the financial account and an authorized user of the machine,

wherein the at least one computer operatively connects the SP station and the first customer station,

wherein the at least one computer is operable to cause an actual visual display that is currently being output through the customer touch screen, to be reproduced and simultaneously output as a reproduced visual display through a first portion of the SP touch screen,

wherein the at least one computer is further operable to cause an electronic marking to be visually added to the actual visual display, responsive at least in part to the first portion of the SP touch screen being manually touched,

 

wherein a second portion of the SP touch screen includes a plurality of visual icons having respective predetermined shapes, wherein the electronic marking comprises a first icon of the plurality of visual icons,

 

wherein manually moving the first icon from the second portion onto the first portion of the SP touch screen causes the first icon to be reproduced on the customer touch screen.

13. The apparatus according to claim 12 and further comprising a banking system arrangement, wherein the arrangement includes a plurality of customer stations in operative connection with the SP station,

wherein the plurality of customer stations include the first customer station,

wherein the first customer station includes the machine,

wherein the machine includes the customer touch screen.

14. The apparatus according to claim 13 wherein the at least one reader includes a card reader and a biometric reader,

wherein the at least one computer is operable during a transaction to cause card data to be read from a customer card through operation of the card reader, and

cause biometric data to be read from a customer through operation of the biometric reader,

wherein the at least one computer is operable to cause the read card data to be compared with card information stored in an authorized machine user information data store,

wherein the at least one computer is operable to cause the read biometric data to be compared with biometric information stored in the authorized machine user information data store,

wherein a customer is authorized to request a financial transaction that involves operation of the cash dispenser responsive at least in part to both

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

computer-determined correspondence between the read biometric data and stored biometric information.

15. The apparatus according to claim 12 wherein placing the first icon at a specific position on the reproduced visual display causes the first icon to be reproduced at a corresponding specific position of the actual visual display.

16. The apparatus according to claim 15 wherein the SP touch screen includes a surface area, wherein the SP touch screen allows the first icon to be electronically dragged on the surface area from the second portion onto the first portion.

17. The apparatus according to claim 16 wherein the SP touch screen allows the first icon to be electronically dragged through manual movement of a SP finger while the finger is kept in contact with the surface area above the first icon.

18. Apparatus comprising:

at least one customer station,

wherein the at least one customer station includes an automated banking machine that is operable responsive at least in part to data bearing records to carry out financial transactions,

wherein the machine includes a cash dispenser,

wherein the cash dispenser is operable to selectively dispense cash stored in the machine to authorized users of the machine,

wherein the machine includes at least one customer data reader,

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

wherein the at least one customer data reader is operable to read customer data usable to identify a customer as an authorized user of the machine,

wherein the at least one customer station includes a first customer station,

wherein the first customer station includes a customer display,

wherein the customer display includes a customer touch screen,

 

wherein the customer touch screen is operable to display visually different customer output content,

wherein the first customer station allows a customer to change the customer output content being displayed through the customer touch screen,

wherein the first customer station is a personal communication device,

a service provider (SP) station,

wherein the SP station includes a SP display,

wherein the SP display includes a SP touch screen,

wherein the SP touch screen differs from the customer touch screen,

wherein the SP touch screen includes a surface area,

 

wherein manual movement of a SP finger while the finger is kept in contact with the surface area, causes an electronic marking to be displayed through the SP touch screen,

 

wherein a shape of the marking corresponds to a path taken by the finger during the movement,

wherein the SP station is in operative connection with the customer station through operation of at least one computer,

wherein the at least one computer is operable to cause the machine to carry out a requested cash withdrawal transaction on a financial account, based at least in part on customer data read by the at least one customer data reader corresponding to the financial account and an authorized user of the machine,

wherein the operative connection enables the same customer output content that is currently being displayed through the customer touch screen, to be simultaneously reproduced through the SP touch screen,

wherein the operative connection enables the same electronic marking that is currently being displayed through the SP touch screen, to be simultaneously reproduced through the customer touch screen.

19. The apparatus according to claim 18 wherein while the SP touch screen displays a same customer output content, manual movement of an SP finger while kept in contact with the surface area causes a same electronic marking to be displayed on the customer output content being displayed at the customer touch screen.

20. The apparatus according to claim 19 and further comprising a banking system arrangement,

wherein the arrangement includes a plurality of customer stations in operative connection with the SP station,

wherein the plurality of customer stations include the first customer station,

wherein the first customer station includes the machine,

wherein the machine includes the customer touch screen.

21. The apparatus according to claim 18 wherein the first customer station and the SP station are both located in a bank facility that provides bank teller assistance.

22. The apparatus according to claim 18 wherein the customer touch screen is operable to display a plurality of visually different icons representative of different banking services available to the customer, wherein a first banking service is selectable by the customer through manual touching of a displayed icon that is representative of the first banking service.

23. The apparatus according to claim 22 wherein the different banking services available to the customer are based at least in part on customer data received by the first customer station from the customer.

24. The apparatus according to claim 22 wherein the first banking service corresponds to a customer request for assistance from a bank employee, wherein the displayed icon that is representative of the first banking service comprises a virtual key, wherein manual touching of the virtual key places the first customer station in communication with the SP station.

25. Apparatus comprising:

at least one customer station,

wherein the at least one customer station includes an automated banking machine that is operable responsive at least in part to data bearing records to carry out financial transactions,

wherein the machine includes a cash dispenser,

wherein the cash dispenser is operable to selectively dispense cash stored in the machine to authorized users of the machine,

wherein the machine includes at least one customer data reader,

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

wherein the at least one customer data reader is operable to read customer data usable to identify a customer as an authorized user of the machine,

wherein the at least one customer station includes a first customer station,

wherein the first customer station includes a customer display,

wherein the customer display includes a customer touch screen,

 

wherein the customer touch screen is operable to display visually different customer output content,

wherein the first customer station allows a customer to change the customer output content being displayed through the customer touch screen,

wherein the first customer station is a mobile phone,

a service provider (SP) station,

wherein the SP station includes a SP display,

wherein the SP display includes a SP touch screen,

wherein the SP touch screen differs from the customer touch screen,

wherein the SP touch screen includes a surface area,

 

wherein manual movement of a SP finger while the finger is kept in contact with the surface area, causes an electronic marking to be displayed through the SP touch screen,

 

wherein a shape of the marking corresponds to a path taken by the finger during the movement,

wherein the SP station is in operative connection with the customer station through operation of at least one computer,

wherein the at least one computer is operable to cause the machine to carry out a requested cash withdrawal transaction on a financial account, based at least in part on customer data read by the at least one customer data reader corresponding to the financial account and an authorized user of the machine,

wherein the operative connection enables the same customer output content that is currently being displayed through the customer touch screen, to be simultaneously reproduced through the SP touch screen,

wherein the operative connection enables the same electronic marking that is currently being displayed through the SP touch screen, to be simultaneously reproduced through the customer touch screen.

26. The apparatus according to claim 25 wherein the first customer station is a mobile device of a banking facility, and wherein the mobile device comprises phone communication capabilities.

27. The apparatus according to claim 25 wherein the mobile device comprises a smart phone.