Automated banking machine controlled responsive to data bearing records

• US 8,807,424 B1
• Filed: 04/29/2013
• Issued: 08/19/2014
• Est. Priority Date: 11/27/1998
• Status: Expired due to Term

• Current Assignee: Diebold Nixdorf, Incorporated
• Original Assignee: Diebold Incorporated (Diebold Nixdorf, Incorporated)
• Inventors: MEEK, JAMES
• Primary Examiner(s): Labaze, Edwyn
• Application Number:
  US13/872,462
• Time in Patent Office: 477 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: G06Q 20/108 Remote banking, e.g. home banking
• CPC Class Codes: G06Q 20/1085 involving automatic teller machines [ATMs]
• CPC Class Codes: G06Q 30/02 Marketing; Price estimation or determination; Fundraising
• CPC Class Codes: G07F 19/20 Automatic teller machines [ATMs]
• CPC Class Codes: G07F 19/201 Accessories of ATMs
• CPC Class Codes: G07F 19/211 Software architecture within ATMs or in relation to the ATM network

Abstract

An automated banking machine can operate to cause financial transfers responsive to data read from data bearing records. The machine includes a card reader that can read a user identifier from a magnetic stripe of the user'"'"'s card. Financial transfers are carried out responsive to machine communication with a transaction host computer. The machine also sends the read user identifier to a remote marketing computer. The marketing computer uses the user identifier to determine the next marketing presentation in a marketing campaign that is to be presented to the user. Responsive to a message received from the marketing computer, the machine operates to display the determined next marketing presentation to the user. The marketing campaign includes a sequence of presentations to be output in a predetermined order to the user.

Claims

1. A method involving at least one processor associated with an automated banking machine that includes both at least one data reader operable to read customer data usable to identify a financial account and a cash dispenser operable to dispense currency notes,

wherein the at least one processor is operable to communicate with a financial transaction host that is operable to authorize responsive at least in part to customer data read by the at least one data reader, a machine transaction that involves dispense of at least one currency note through operation of the cash dispenser,

wherein the at least one processor is operable to communicate, independent of communication with the financial transaction host, with a remote computer which is remotely located from both the machine and the financial transaction host and which is configured to authorize a machine transaction that involves dispense of at least one item of monetary value that differs from a currency note,

wherein the method comprises:

(a) operating the at least one processor to cause the at least one data reader to read customer data that is usable to identify a customer account;

(b) operating the at least one processor to cause at least one message to be communicated independent of communication with the financial transaction host, to the remote computer,

wherein the at least one message includes the customer data read in (a);

(c) operating the at least one processor to cause at least one transaction data message to be communicated to the financial transaction host,

wherein the at least one transaction data message includes the customer data read in (a);

(d) operating the at least one processor to receive from the remote computer, at least one reply message that is based at least in part on the at least one message communicated in (b);

(e) operating the at least one processor to receive from the financial transaction host, at least one transaction authorization message that is based at least in part on the at least one transaction data message communicated in (c);

(f) operating the at least one processor responsive at least in part to the at least one transaction authorization message received in (e), to cause the cash dispenser to dispense at least one currency note; and

(g) operating the at least one processor responsive at least in part to the at least one reply message received in (d), to cause the machine to dispense the at least one item of monetary value.

2. The method according to claim 1 wherein the at least one data reader includes a card reader and a biometric reader,

and further comprising:

(h) operating the at least one processor to cause the card reader to read card data;

(i) operating the at least one processor to cause the biometric reader to read biometric data;

wherein in (c) the at least one transaction data message includes the card data read in (h) and the biometric data read in (i),

wherein the at least one transaction authorization message received in (e) is based at least in part on computer-determination of each of;

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

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

the card data read in (h) and the biometric data read in (i) having a predetermined relationship; and

(j) operating the at least one processor to cause the customer account to be assessed a cash value associated with the at least one currency note dispensed in (f).

3. The method according to claim 1 wherein in (a)-(g) the machine includes the at least one processor.

4. The method according to claim 1 wherein the remote computer comprises a marketing computer, wherein the at least one item of monetary value includes a coupon, and wherein (g) includes operating the at least one processor to cause the machine to dispense the coupon to a machine user.

5. A method involving at least one processor associated with an automated banking machine that includes both at least one data reader and a cash dispenser operable to dispense currency notes,

wherein the at least one processor is operable to communicate customer data read by the at least one data reader, to a financial transaction host that is operable to authorize a cash withdrawal transaction that involves both a financial account identified through use of the customer data and operation of the cash dispenser to dispense at least one currency note,

wherein the at least one processor is operable to communicate, independent of communication with the financial transaction host, with a remote computer which is remotely located from both the machine and the financial transaction host and which is configured to cause the machine to dispense at least one item of monetary value that differs from a currency note,

wherein the method comprises:

(a) operating the at least one processor to receive customer data read by the at least one data reader;

(b) operating the at least one processor to communicate to the remote computer, independent of communication with the financial transaction host, at least one message,

wherein the at least one message includes data corresponding to the customer data read in (a);

(c) operating the at least one processor to receive from the remote computer, at least one reply message that is based at least in part on the customer data communicated in (b); and

(d) operating the at least one processor responsive at least in part to the at least one reply message received in (c), to cause the machine to dispense the at least one item of monetary value.

6. The method according to claim 5 wherein the at least one data reader includes a card reader and a biometric reader,

and further comprising:

(e) operating the at least one processor to cause the card reader to read card data;

(f) operating the at least one processor to cause the biometric reader to read biometric data;

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

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

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

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

the card data read in (e) and the biometric data read in (f) having a predetermined customer relationship;

(i) operating the at least one processor responsive at least in part to the authorization received in (h), to cause the cash dispenser to dispense an amount of cash requested in the cash withdrawal transaction; and

(j) operating the at least one processor to cause a financial account identified through use of customer data read by the at least one data reader, to be assessed a value associated with the amount of cash dispensed in (i).

7. The method according to claim 5 wherein in (a)-(c) the machine includes the at least one processor.

8. The method according to claim 5 wherein the at least one item of monetary value includes a coupon, and wherein (d) includes operating the at least one processor to cause the machine to dispense the coupon.

9. The method according to claim 5 wherein the at least one item of monetary value includes a gaming item, and wherein (d) includes operating the at least one processor to cause the machine to dispense the gaming item.

10. The method according to claim 9 wherein the gaming item comprises a lottery ticket, and wherein (d) includes operating the at least one processor to cause the machine to dispense the lottery ticket.

11. A method involving at least one processor associated with an automated banking machine that includes a cash dispenser and at least one input device operable to receive customer data,

wherein the at least one processor is operable to communicate with a financial transaction host that is:

operable to authorize a cash dispense transaction which involves;

a financial account identified through use of received customer data, and

operation of the cash dispenser to dispense at least one currency note;

wherein the at least one processor is operable to communicate, independent of communication with the financial transaction host, with a remote computer that is;

remotely located from the machine,

remotely located from the financial transaction host, and

operable to cause at least one non currency note item of monetary value to be provided by the machine to a customer;

wherein the method comprises;

(a) operating the at least one processor to cause at least one message to be communicated independent of communication with the financial transaction host, to the remote computer,

wherein the at least one message includes received customer data;

(b) operating the at least one processor to receive responsive at least in part to operation of the remote computer, at least one reply message based at least in part on the at least one message in (a); and

(c) operating the at least one processor responsive at least in part to the at least one reply message received in (b), to cause the machine to provide the at least one non currency note item of monetary value.

12. The method according to claim 11 wherein the at least one input device includes a card reader and a biometric reader,

and further comprising:

(d) operating the at least one processor to cause the card reader to read card data;

(e) operating the at least one processor to cause 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); and

(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 to 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.

13. The method according to claim 11 wherein in (a)-(c) the machine includes the at least one processor.

14. The method according to claim 11 wherein the remote computer comprises a server, wherein (a) includes operating the at least one processor to communicate the at least one message to the server, and wherein (b) includes operating the at least one processor to receive the at least one reply message from the server.

15. The method according to claim 11 wherein the at least one input device includes a card reader, and further comprising:

(d) operating the at least one processor to cause the card reader to read card data from a customer card;

wherein in (a) the customer data includes the card data,

wherein in (b) the at least one reply message is based at least in part on the card data corresponding to marketing data in at least one data store,

wherein the at least one non currency note item of monetary value includes a coupon,

wherein (c) includes operating the at least one processor to cause the machine to dispense the coupon.

16. The method according to claim 11 wherein the machine includes at least one printer, and wherein (c) includes operating the at least one processor to cause the at least one printer to print the at least one non currency note item of monetary value.

17. The method according to claim 11 wherein the at least one item of monetary value includes at least one ticket, and wherein (c) includes operating the at least one processor to cause the machine to dispense the at least one ticket.

18. The method according to claim 17 wherein the gaming item comprises a gaming ticket, and wherein (c) includes operating the at least one processor to cause the machine to dispense the gaming ticket.

19. The method according to claim 18 wherein the gaming ticket comprises a lottery ticket, and wherein (c) includes operating the at least one processor to cause the machine to dispense the lottery ticket.

20. The method according to claim 11 wherein the at least one item of monetary value includes a gaming item, and wherein (c) includes operating the at least one processor to cause the machine to dispense the gaming item.