Banking system controlled responsive to data bearing records

• US 8,840,016 B1
• Filed: 03/14/2013
• Issued: 09/23/2014
• 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, Block, James, Zaugg, Matthew, Miller, Willis, SCHOTT, Nicholas, Douglass, Mark A., Enright, Jeffrey M., Ramachandran, Natarajan
• Primary Examiner(s): Le, Thien M
• Assistant Examiner(s): TAYLOR, APRIL ALICIA
• Application Number:
  US13/803,284
• Time in Patent Office: 558 Days
• Field of Search: 235/375, 235/379, 705/1.1, 705/35, 705/39, 705/42, 705/43
• US Class Current: 235/379
• CPC Class Codes: G06Q 20/3224 Transactions dependent on location of M-devices
• CPC Class Codes: G06Q 20/3274 using a pictured code, e.g. barcode or QR-code, being displayed on the M-device
• CPC Class Codes: G06Q 20/3276 using a pictured code, e.g. barcode or QR-code, being read by the M-device
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 20/34 using cards, e.g. integrated circuit [IC] cards or magnetic cards
• CPC Class Codes: G06Q 20/385 using an alias or single-use codes
• CPC Class Codes: G06Q 20/4012 Verifying personal identification numbers [PIN]
• CPC Class Codes: G06Q 20/40145 Biometric identity checks
• CPC Class Codes: G06Q 20/425 using two different networks, one for transaction and one for security confirmation
• CPC Class Codes: G07F 19/207 Surveillance aspects at ATMs

Abstract

An automated banking machine operates to cause financial transfers responsive at least in part to data read from data bearing records. The automated banking machine includes a card reader that is operative to read card data corresponding to financial accounts from user cards. The card data is linked in at least one data store to data indicating that the card data corresponds to a financial account that is authorized to be used to conduct at least one transaction through use of the automated banking machine. The automated banking machine may be used to carry out financial transfers involving financial accounts by users who are determined to be authorized users of such accounts.

Claims

1. Apparatus comprising:

an automated banking machine configured to cause financial transfers responsive at least in part to data read from data bearing records, wherein the machine includes;

a card reader operable to read card data usable to identify a financial account on which financial transactions can be carried out,

a cash dispenser configured to selectively dispense cash from storage in the machine to authorized machine users,

wherein the machine is configured to carry out a cash dispense transaction involving a financial account identified through use of card data read by the card reader,

at least one machine input device,

wherein the at least one machine input device is configured to receive inputs from machine users,

at least one processor associated with the machine,

wherein the at least one processor is configured to operate,

responsive at least in part to;

 

determination by at least one computer that card data read by the card reader corresponds to a financial account usable for authorization of at least one financial transaction carried out with the machine, and

 

reception by the at least one machine input device of at least one device identifying input which corresponds to a communication address uniquely associated with a mobile wireless device that includes at least one mobile input device,

to enable at least one transaction involving the financial account to be carried out at least in part through use of the mobile wireless device, responsive at least in part to at least one user selected input to the at least one mobile input device;

wherein the machine includes the at least one processor,

wherein the at least one processor is configured to cause;

data corresponding to the financial account, and

data corresponding to the at least one device identifying input, to be stored in the at least one data store, which is accessible by at least one first computer, which is both;

remotely located from the machine, and

configured to communicate with the mobile wireless device.

2. The apparatus according to claim 1 wherein the machine is configured to communicate with a transaction host computer configured to cause a cash dispense value to be assessed to the financial account, wherein the at least one first computer differs from the transaction host computer.

3. The apparatus according to claim 2 wherein the at least one first computer is configured to receive communicated data corresponding to a requested transaction sent from the mobile wireless device,

wherein the at least one first computer is configured to operate responsive at least in part to the received communicated data to then cause to be communicated to the transaction host computer data corresponding to the financial account.

4. The apparatus according to claim 3

wherein the at least one data store includes data corresponding to the at least one user selected input,

wherein the at least one first computer is configured to cause data corresponding to the financial account to be sent to the transaction host computer responsive at least in part to at least one correspondence determination that communicated data corresponds to the at least one user selected input.

5. The apparatus according to claim 4 wherein the at least one user selected input includes a plurality of ordered inputs received through the at least one mobile input device.

6. The apparatus according to claim 5 wherein the plurality of ordered inputs includes at least one of any of a manual input, a sound input, a biometric input, a voice recognition input, a spoke word input, and a picture input.

7. The apparatus according to claim 1

wherein the automated banking machine further includes a display,

wherein the machine is configured to cause the display to output a request for user input of the at least one device identifying input.

8. The apparatus according to claim 7 wherein the machine is configured to cause the display to output a query concerning interest by a machine user in using a mobile device to carry out transactions involving the financial account,

wherein the machine is configured to cause the request to be output based at least in part on query response input received from the machine user through the at least one machine input device.

9. The apparatus according to claim 1 wherein the at least one device identifying input includes a phone number associated with the mobile wireless device.

10. The apparatus according to claim 1 wherein the at least one device identifying input corresponds to a network address associated with the mobile wireless device.

11. The apparatus according to claim 1 wherein the at least one transaction carried out at least in part with the mobile wireless device includes at least one of:

a balance inquiry regarding the financial account,

a monetary transfer at least one of to or from the financial account, or

provision of card data corresponding to the financial account usable in a financial transaction carried out at least in part through operation of the automated banking machine, without operation of the card reader.

12. The apparatus according to claim 1 wherein the at least one user selected input includes a plurality of ordered inputs through the at least one mobile input device.

13. Apparatus comprising:

at least one processor associated with an automated banking machine that includes at least one machine input device including at least one user data reader,

wherein the at least one processor is configured to cause;

account data which corresponds to a financial account identified through use of user data read by the at least one user data reader, and

address data which corresponds to a communication address received from a machine user through the at least one machine input device,

wherein the communication address is uniquely associated with a mobile wireless communication device,

to be stored in associated relation in at least one data store that is usable by at least one remotely located computer in allowing usage of the mobile wireless communication device in carrying out at least a portion of at least one financial transaction involving the financial account.

14. The apparatus according to claim 13

wherein the at least one user data reader includes a card reader, wherein the card reader is configured to read from user cards, card data corresponding to financial accounts,

wherein the at least one processor is configured to cause to be stored in the at least one data store, account data corresponding to a financial account read by the card reader,

wherein the machine includes a cash dispenser, wherein the cash dispenser is configured to dispense cash to machine users authorized responsive in part to card data read by the card reader,

wherein the at least one machine input device includes at least one other input device that differs from the card reader,

wherein the at least one input device is configured to receive the communication address.

15. The apparatus according to claim 13 wherein the at least one processor is configured to cause the account data and the address data to be stored in at least one data store, responsive at least in part to determination by at least one remote computer that the financial account is usable for authorization of at least one financial transaction carried out with the machine.

16. The apparatus according to claim 13 wherein the communication address comprises a phone number or a network address associated with the mobile wireless communication device.

17. The apparatus according to claim 13

wherein data corresponding to at least one user selected mobile device input is stored in the at least one data store in association with the account data, and

wherein the at least a portion of the at least one financial transaction is allowed to be carried out responsive at least in part to correspondence of communicated data from the mobile wireless communication device received by the at least one remote computer, with the at least one user selected mobile device input.

18. The apparatus according to claim 13 wherein the at least a portion of the at least one financial transaction allowed to be carried out through usage of the mobile wireless communication device includes at least one of:

a balance inquiry regarding the financial account,

a monetary transfer at least one of to or from the financial account, or

provision of card data corresponding to the financial account usable in a transaction carried out at least in part through operation of the automated banking machine, without operations of the at least one user data reader.