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

• US 8,651,373 B1
• Filed: 04/25/2012
• Issued: 02/18/2014
• 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: Graef, H. Thomas, Ramachandran, Natarajan, Block, James, DePietro, Mark, McIntyre, Daniel S., MEEK, JAMES, Nelson, Jr., Donald S., Magee, Paul D.
• Primary Examiner(s): Lee, Michael G
• Assistant Examiner(s): ELLIS, SUEZU Y
• Application Number:
  US13/455,175
• Time in Patent Office: 664 Days
• Field of Search: 235/379, 705/35, 705/39, 705/43, 705/44, 709/204
• US Class Current: 235/379
• 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:

at least one customer station,

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

wherein the first customer station is a portable 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 provide (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,

at least one computer,

wherein the first customer station and the SP station are both located in a bank facility that provides bank teller assistance;

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 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.

2. The apparatus according to claim 1 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 plurality of customer stations include an automated banking machine that is operable responsive to 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 operative 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 operative to read customer data usable to identify a financial account on which a financial transaction can be carried out,

wherein the at least one computer is operative to cause the machine to carry out a requested cash withdrawal transaction on a financial account, based at least in part on the financial account corresponding to customer data read by the at least one reader.

3. The apparatus according to claim 2 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.

4. The apparatus according to claim 1 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, a tablet device, laptop computer, or smart phone.

5. The apparatus according to claim 1 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.

6. The apparatus according to claim 5 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.

7. The apparatus according to claim 1 wherein the portable communication device is a mobile phone.

8. The apparatus according to claim 1 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.

9. The apparatus according to claim 1 wherein the portable communication device is a mobile device of a banking facility.

10. The apparatus according to claim 9 wherein the mobile device comprises phone communication capabilities.

11. Apparatus comprising:

at least one computer station,

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 first customer station and the SP station are both located in a bank facility that provides bank teller assistance;

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.

12. The apparatus according to claim 11 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.

13. The apparatus according to claim 12 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 portion onto the first portion.

14. The apparatus according to claim 13 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.

15. The apparatus according to claim 13 wherein the SP station includes a computer mouse, wherein the SP touch screen allows the first icon to be electronically dragged through manual movement of the mouse.

16. Apparatus comprising:

at least one customer station,

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 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 portable 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 first customer station and the SP station are both located in a bank facility that provides bank teller assistance;

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

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,

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.

17. The apparatus according to claim 16 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 plurality of a customer station include an automated banking machine,

wherein the automated banking machine includes a cash dispenser and at least one user data reader,

wherein the at least one computer is operative to cause the automated banking machine to carry out a requested cash withdrawal transaction on a financial account, based at least in part on the financial account corresponding to user data read by the at least one user data reader.

18. The apparatus according to claim 16 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 working of a displayed icon that is representative of the first banking service.

19. The apparatus according to claim 18 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.

20. The apparatus according to claim 18 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.

21. The apparatus according to claim 16 wherein the first customer station is a mobile phone.

22. The apparatus according to claim 21 wherein the mobile phone comprises a smart phone.

23. The apparatus according to claim 16 wherein the first customer station is a wireless communication device.

24. The apparatus according to claim 23 wherein the wireless communication device comprises one of a PDA device, iPad device, tablet device, or laptop computer.

25. The apparatus according to claim 16 wherein the portable communication device is a mobile device of a banking facility.