Banking system controlled responsive to data bearing records

• US 8,915,422 B1
• Filed: 10/26/2011
• Issued: 12/23/2014
• Est. Priority Date: 09/20/2007
• Status: Active Grant

• Current Assignee: Diebold Nixdorf, Incorporated
• Original Assignee: Diebold Self-Service Systems (Diebold Nixdorf, Incorporated)
• Inventors: Crews, Tim, Ramachandran, Natarajan, Jenkins, Randall, Harty, Michael J.
• Primary Examiner(s): Lee, Michael G
• Assistant Examiner(s): CHEDEKEL, TABITHA F
• Application Number:
  US13/317,729
• Time in Patent Office: 1,154 Days
• Field of Search: 235/379, 235/380, 235/375, 705/43, 705/73, 902/2, 902/4, 902/5, 902/9, 902/13, 902/14, 902/20
• US Class Current: 235/375
• CPC Class Codes: G06F 2203/04104 Multi-touch detection in digitiser, i.e. details about the simultaneous detection of a plurality of touching locations, e.g. multiple fingers or pen and finger
• CPC Class Codes: G06F 3/0416 Control or interface arrangements specially adapted for digitisers
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03
• CPC Class Codes: G07D 11/009 Depositing devices
• CPC Class Codes: G07D 11/10 Mechanical details
• CPC Class Codes: G07D 11/14 Inlet or outlet ports
• CPC Class Codes: G07D 11/165 Picking
• CPC Class Codes: G07D 11/40 Device architecture, e.g. modular construction
• CPC Class Codes: G07D 11/60 User-interface arrangements
• CPC Class Codes: G07D 7/00 Testing specially adapted to determine the identity or genuineness of valuable papers or for segregating those which are unacceptable, e.g. banknotes that are alien to a currency
• CPC Class Codes: G07F 19/201 Accessories of ATMs
• CPC Class Codes: G07F 19/203 Dispensing operations within ATMs dispensing in general G07D11/00
• CPC Class Codes: G07F 19/205 Housing aspects of ATMs
• CPC Class Codes: G07F 19/2055 Anti-skimming aspects at ATMs
• CPC Class Codes: G07F 19/206 Software aspects at ATMs

Abstract

An apparatus that operates to cause financial transfers responsive to data read from data bearing records, includes a processor that is in operative connection with a card reader and a touch screen display. The processor can cause the card reader to read card data from a user card, and can determine whether the read card data corresponds to an authorized financial account. Without the touch screen display surface visibly providing indicia that corresponds to a desired character, the user can still input the character through user contact with the touch screen display surface. The processor can resolve the desired character from the user contact.

Claims

1. A method comprising:

(a) operating at least one processor, while an area of an input surface of a touch screen display device of an automated transaction machine is absent any output of visible indicia corresponding to user contact with the input surface by at least one of;

(ai) a plurality of user fingers simultaneously contacting the area of the input surface;

or

(aii) a user finger drawing a character while contacting the area of the input surface;

(b) operating the at least one processor to analyze the contact data received in (a) with regard to user input to the machine; and

(c) operating the at least one processor responsive at least in part to the analysis in (b), to determine that the contact data received in (a) corresponds to user input of a particular alphanumeric character;

wherein the particular alphanumeric character determined in (c) is not visible in the area of the input surface during (a).

2. The method according to claim 1

wherein the machine includes at least one data reader operable to read user data corresponding to financial accounts,

wherein the machine includes a cash dispenser,

wherein the machine is operable to allow a cash dispense involving a financial account responsive at least in part to the financial account corresponding to user data read by the at least one data reader,

and further comprising:

(d) operating the at least one processor to cause the cash dispenser to dispense an amount of cash,

wherein the amount corresponds to at least one alphanumeric character,

wherein the at least one alphanumeric character includes the particular alphanumeric character determined in (c).

3. The method according to claim 1 wherein (a) includes receiving the contact data by a plurality of user fingers simultaneously contacting the area of the input surface.

4. The method according to claim 1 wherein (a) includes receiving the contact data by a user finger drawing a character while contacting the area of the input surface.

5. The method according to claim 1, further comprising:

wherein the machine includes

a card reader operable to read from cards, card data that corresponds to at least one financial account; and

a cash dispenser operable to dispense cash from the machine;

operating at least one processor to;

cause the card reader to read card data from a user card;

cause a determination to be made that the card data corresponds to an authorized financial account;

cause the cash dispenser, responsive at least in part to both the determination that the card data corresponds to an authorized financial account, and the particular alphanumeric character to dispense cash from the machine; and

cause the authorized financial account to be assessed a value associated with the cash dispensed by the cash dispenser.

6. The method according to claim 1, wherein (a) wherein the user contact with the input surface includes a stylus contact with the at least one area of the input surface.

7. The method according to claim 1, wherein the particular alphanumeric character includes a numerical value, and wherein the first numerical value corresponds to a number of concurrent in contact with the area of the input surface.

8. The method according to claim 1, wherein the automated transaction machine includes an audio output port, the method further comprising operating the at least one processor to cause signals usable to produce audio outputs corresponding to the particular alphanumeric character, to be output through the audio output port.

9. The method according to claim 8, wherein the audio output port includes at least one of a speaker, a headphone jack or a wireless output port, wherein the signals are to be output through the at least one of a speaker, a headphone jack, and a wireless output port.

10. The method according to claim 1, wherein the particular alphanumeric character corresponds to at least one portion of a personal identification number.

11. The method according to claim 5, wherein the at particular alphanumeric character corresponds to an amount of cash to be dispensed by the cash dispenser.

12. The method according to claim 1, the method further comprises encrypting the particular alphanumeric character.

13. The method, according to claim 1, wherein the automated transaction machine further comprises a check scanner the method further comprising:

operating at least one processor to cause a check to be scanned through operation of the check scanner, wherein the check has an associated value;

determining the associated value of the check; and

crediting a financial account associated with the user with the associated value of the check.

14. A method comprising:

operating at least one processor associated with an automated transaction machine comprising a cash dispenser, a reader and a touch screen to obtain data representative of a financial account associated with a user from data obtained by the reader

operating at least one processor, while an area of an input surface of the touch screen display device is absent any output of visible indicia corresponding to user contact with the input surface by at least one of;

a plurality of user fingers simultaneously contacting the area of the input surface, or

a user finger drawing a character while contacting the area of the input surface surface,

to analyze the contact data received in with regard to user input to the automated transaction machine and to determine that the contact data received corresponds to user input of particular alphanumeric characters,

wherein the particular alphanumeric characters determined are not visible in the area of the input surface during user contact with the contact surface;

operating the at least one processor to cause the cash dispenser to dispense an amount of cash, wherein the amount corresponds to the particular alphanumeric characters; and

operating the at least one processor to cause the amount of cash dispensed by the cash dispenser to be debited from the financial account.

15. The method according to claim 14, wherein the automated transaction machine further comprises a check scanner, the method further comprising:

obtaining data representative of a check deposited via the check scanner, wherein the check has a value; and

crediting the value of the check to the financial account.

16. The method according to claim 14, wherein the automated transaction machine further comprises a deposit interface, the method further comprising:

obtaining data representative of cash deposited via the deposit interface, wherein the cash has a value; and

crediting the value of the cash to the financial account.

17. The method according to claim 14 wherein the reader is a card reader.

18. The method according to claim 14, wherein the reader obtains data wirelessly from a mobile device associated with the user.