Card activated cash dispensing automated banking machine system and method

• US 8,794,514 B2
• Filed: 04/26/2013
• Issued: 08/05/2014
• Est. Priority Date: 04/17/1998
• Status: Expired due to Fees

• Current Assignee: Diebold Nixdorf, Incorporated
• Original Assignee: Diebold Incorporated (Diebold Nixdorf, Incorporated)
• Inventors: Ramachandran, Natarajan, Smith, Mark D., Drummond, Jay Paul
• Primary Examiner(s): Labaze, Edwyn
• Application Number:
  US13/871,813
• Publication Number:
  US 20140156526A1
• Time in Patent Office: 466 Days
• Field of Search: 235/379, 235/382, 235/376, 235/380, 235/382.5, 235/472.02, 705/5, 705/30, 705/35, 705/42
• US Class Current: 235/379
• CPC Class Codes: G06K 19/08 using markings of different kinds or more than one marking of the same kind in the same record carrier, e.g. one marking being sensed by optical and the other by magnetic means
• CPC Class Codes: G06K 7/0004 Hybrid readers
• CPC Class Codes: G06Q 20/1085 involving automatic teller machines [ATMs]
• CPC Class Codes: G06Q 20/18 involving self-service terminals [SST], vending machines, kiosks or multimedia terminals
• CPC Class Codes: G06Q 20/3223 Realising banking transactions through M-devices
• CPC Class Codes: G06Q 20/326 Payment applications installed on the mobile devices
• CPC Class Codes: G06Q 20/327 Short range or proximity payments by means of M-devices
• CPC Class Codes: G06Q 20/341 Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
• CPC Class Codes: G07F 17/16 for devices exhibiting advertisements, announcements, pictures or the like
• CPC Class Codes: G07F 19/20 Automatic teller machines [ATMs]
• CPC Class Codes: G07F 19/203 Dispensing operations within ATMs dispensing in general G07D11/00
• CPC Class Codes: G07F 19/211 Software architecture within ATMs or in relation to the ATM network
• CPC Class Codes: G07F 7/0886 the card reader being portable for interacting with a POS or ECR in realizing a payment transaction
• CPC Class Codes: G07F 7/1008 Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system

Abstract

An automated banking machine system operates to cause financial transfers responsive to data read from data bearing records. The system is operative to read a financial card bearing account indicia with a card reader. A user is able to perform at least one banking operation with an automated banking machine responsive to account indicia read by the card reader from the card. The banking operations include dispensing cash and accessing financial accounts. A user is also able to perform at least one banking operation with an automated banking machine responsive to financial account data received by the system from a mobile phone.

Claims

1. A method comprising:

(a) operating an automated banking machine that includes a cash dispenser, and at least one input device, to receive from a mobile wireless communication device via a server, at least one message that includes transaction data,

wherein the transaction data indicates a request for a cash withdrawal transaction,

wherein the transaction data includes account data corresponding to a financial account,

wherein the transaction data includes a requested cash amount;

(b) operating the machine responsive at least in part to the transaction data received in (a) to allow the cash withdrawal transaction to be authorized,

wherein authorization of the cash withdrawal transaction allows the machine, responsive at least in part to user input of a particular authorization code to the at least one input device, to dispense the requested cash amount; and

(c) operating the machine responsive at least in part to user input of the particular authorization code to the at least one input device, to cause the cash dispenser to dispense an amount of cash corresponding to the requested cash amount.

2. The method according to claim 1

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

wherein the at least one reader includes a card reader,

wherein the card reader is operable to read card data that is usable to identify a financial account,

wherein the machine is associated with at least one processor,

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

wherein the at least one processor is operable to cause the financial account to be assessed a value associated with an amount of cash dispensed in carrying out the cash dispense transaction,

and further comprising:

(d) operating the card reader to read card data.

3. The method according to claim 2 wherein the machine is part of a banking system that includes a plurality of automated banking machines, wherein the at least one reader includes a biometric reader, and further comprising:

(e) operating the biometric reader to read biometric data;

(f) operating the at least one processor to communicate to the financial transaction host, the card data read in (d) and the biometric data read in (e);

(g) operating the at least one processor to receive authorization from the financial transaction host for a cash withdrawal transaction, responsive at least in part computer-determination of each of;

the card data read in (d) and stored card information having a predetermined relationship,

the biometric data read in (e) and stored biometric information having a predetermined relationship, and

the card data read in (d) and the biometric data read in (e) having a predetermined customer relationship.

4. The method according to claim 1 wherein in (a) the machine includes the server.

5. The method according to claim 1 wherein the mobile wireless communication device comprises a mobile phone, and wherein (a) includes receiving transaction data sent from the mobile phone.

6. A method comprising:

(a) operating a server associated with an automated banking machine that includes a cash dispenser and at least one input device, to receive from a mobile wireless communication device, at least one message that includes transaction data,

wherein the transaction data indicates a request for a cash withdrawal transaction,

wherein the transaction data includes account data corresponding to a financial account,

wherein the transaction data includes a requested cash amount; and

(b) operating the server responsive at least in part to the transaction data received in (a) to allow the cash withdrawal transaction to be authorized,

wherein authorization of the cash withdrawal transaction allows the machine to operate, responsive at least in part to user input of a particular authorization code to the at least one input device, to dispense an amount of cash corresponding to the requested cash amount.

7. The method according to claim 6 wherein the at least one input device includes a card reader and a biometric reader, and further comprising:

(c) operating at least one processor associated with the machine to allow an authorized user to request a financial transaction involving the cash dispenser, based at least in part on at least one of;

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

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

8. The method according to claim 6 wherein in (a) the machine includes the server, and wherein the machine is operable to receive the at least one message from the mobile wireless communication device via the server.

9. The method according to claim 6 wherein the mobile wireless communication device comprises a mobile phone, and wherein (a) includes receiving transaction data sent from the mobile phone.

10. The method according to claim 6 wherein the server is remotely located from the machine, wherein the server is operable to communicate the transaction data to the machine, and further comprising:

(c) operating the server to communicate the transaction data to the machine.

11. The method according to claim 6

wherein the machine is operable to carry out a cash dispense transaction responsive at least in part to receiving transaction authorization from a remote financial transaction host,

wherein the server is remotely located from the machine, wherein the server is operable to communicate the transaction data to the transaction host, and further comprising:

(c) operating the server to communicate the transaction data to the host.

12. The method according to claim 6 and further comprising:

(c) operating the server to cause the particular authorization code to be communicated to the mobile wireless communication device.

13. A method comprising:

(a) operating a mobile wireless communication device to receive from a user of the communication device during output of at least one transaction interface screen through a display of the communication device, user inputs corresponding to a request for a cardless transaction,

wherein the at least one transaction interface screen allows the user to select a transaction type,

wherein the user inputs indicate selection of a transaction type comprising a cash withdrawal transaction,

wherein the at least one transaction interface screen allows the user to input an amount involved in the transaction,

wherein the user inputs indicate a requested cash amount;

(b) operating the communication device to communicate at least one message to a server associated with a network that includes an automated banking machine comprising at least one input device and a cash dispenser operable to dispense the requested cash amount,

wherein the at least one message indicates a request for the cash withdrawal transaction,

wherein the at least one message indicates the requested cash amount,

wherein the at least one message includes account data corresponding to a financial account that is usable in the transaction; and

(c) subsequent to (b) and subsequent to approval of the cash withdrawal transaction by a financial transaction host, operating the communication device in providing a code for the machine,

wherein user input of the code to the machine is effective at least in part, to cause the machine to dispense the requested cash amount.

14. The method according to claim 13 wherein the at least one input device includes a card reader and a biometric reader, and further comprising:

(d) operating at least one processor associated with the machine to allow an authorized user to request a financial transaction involving the cash dispenser, based at least in part on at least one of;

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

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

15. The method according to claim 13 wherein in (a)-(c) the mobile wireless communication device comprises a mobile phone.

16. The method according to claim 13 wherein (c) includes operating the communication device to input the code to the machine.

17. The method according to claim 16 and further comprising:

(d) operating the communication device to output the code through the display;

wherein (c) includes operating the communication device to present the displayed code to a data reader of the machine.

18. The method according to claim 13 wherein (c) includes operating the communication device to receive the code from the server.

19. The method according to claim 13 wherein in (b) the server is remotely located from the machine.

20. The method according to claim 19 wherein in (b) the server is operable to communicate the account data and the requested cash amount to the financial transaction host.