Automated banking machine with remote user assistance

• US 8,955,743 B1
• Filed: 12/14/2012
• Issued: 02/17/2015
• Est. Priority Date: 04/17/1998
• Status: Expired due to Term

• Current Assignee: Diebold Nixdorf, Incorporated
• Original Assignee: Diebold Self-Service Systems (Diebold Nixdorf, Incorporated)
• Inventors: Ramachandran, Natarajan, DiPietro, Mark, McIntyre, Daniel S., MEEK, JAMES, Nelson, Donald S., Magee, Paul D., Graef, H. Thomas, Block, James
• Primary Examiner(s): Lee, Michael G
• Assistant Examiner(s): ELLIS, SUEZU Y
• Application Number:
  US13/714,644
• Time in Patent Office: 795 Days
• Field of Search: 235/379, 705/43, 705/39
• US Class Current: 235/379
• CPC Class Codes: G07F 19/201 Accessories of ATMs
• CPC Class Codes: G07F 19/207 Surveillance aspects at ATMs

Abstract

In an example embodiment, an automated banking machine that allows a customer to employ a mobile wireless device for performing banking transactions. The customer may request assistance from a teller or other bank personnel at a remote location. An audio, and optionally video, communication may be initiated between the remote location and the customer. The customer may use either the automated banking machine, mobile wireless device, or both for communicating with the remote location.

Claims

1. Apparatus comprising:

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

a card reader, wherein the card reader is operative to read data from user cards, wherein the data corresponds to financial accounts,

a display,

at least one input device,

at least one transaction function device, wherein the at least one transaction function device includes at least one of a check acceptor, a cash acceptor, and a cash dispenser,

at least one computer associated with the machine, wherein the at least one computer is in operative connection with the card reader, the display, the at least one input device, and the at least one transaction function device,

wherein the at least one computer is operative to cause

a determination to be made that card data read through operation of the card reader corresponds to a financial account on which a transaction is authorized to be conducted through operation of the machine,

responsive at least in part to the determination

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

the at least one transaction function device to carry out at least one operation in connection with the transaction,

wherein the machine includes an audio input device and an audio output device, wherein the audio input device and the audio output device are each in operative connection with the at least one computer,

wherein the at least one computer is operative responsive at least in part to at least one user input to the at least one input device from a user at the machine, to cause the machine to be in audio communication with a remote service provider station,

wherein responsive at least in part to at least one further user input through the at least one input device, the at least one computer is operative to enable the remote service provider station and a mobile wireless device associated with the user at the machine to be placed in audio communication;

wherein the machine further includes a camera, wherein the camera is in operative connection with the at least one computer,

wherein responsive at least in part to the at least one input, the at least one computer is operative to cause the machine and the remote service provider station to be in video and audio communication;

wherein the at least one computer is operative responsive at least in part to at least one of at least one disconnection input to the at least one input device, and

at least one communication from the mobile wireless device to cause the remote service provider station and the machine to no longer be in at least one of video and audio communication; and

wherein the at least one computer is operative to cause the mobile wireless device and the remote service provider station to remain in at least one of video and audio communication after the remote service provider station and the machine are no longer in at least one of video and audio communication.

2. The apparatus according to claim 1

wherein the at least one computer is operative to cause a financial transfer at least one of to and from the financial account responsive at least in part to communication from the mobile wireless device.

3. The apparatus according to claim 2

wherein the mobile wireless device includes at least one mobile input device, wherein at least one mobile input to the at least one mobile input device is operative to cause at least one communication from the mobile wireless device, wherein the at least one computer is operative responsive at least in part to the at least one communication to cause a financial transfer at least one of to and from the financial account.

4. Apparatus comprising:

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

a card reader, wherein the card reader is operative to read data from user cards, wherein the data corresponds to financial accounts,

a display,

at least one input device,

at least one transaction function device, wherein the at least one transaction function device includes at least one of a check acceptor, a cash acceptor and a cash dispenser,

at least one computer associated with the machine, wherein the at least one computer is in operative connection with the card reader, the display, the at least one input device, and the at least one transaction function device,

wherein the at least on computer is operative to cause

a determination to be made that card data read through operation of the card reader corresponds to a financial account on which a transaction is authorized to be conducted through operation of the machine,

responsive at least in part to the determination

a financial transfer at least one of to and from the financial account, and the at least one transaction function device to carry out at least one operation associated with the transaction,

wherein the machine includes an audio input device and an audio output device, wherein the audio input device and the audio output device are each in operative connection with the at least one computer,

wherein the at least one computer is operative responsive at least in part to at least one input through the at least one input device to cause the machine and a remote service provider station to be in audio communication, wherein the audio communication between the machine and the remote service provider station includes a continuation of an audio communication session previously commenced between a mobile wireless device and the remote service provider station.

5. The apparatus according to claim 4

wherein the machine further includes a camera, and wherein the camera is in operative connection with the at least one computer,

wherein in responsive at least in part to the at least input, the at least one computer is operative to cause the machine and the remote service provider station to be in video and audio communication.

6. The apparatus according to claim 5

wherein the at least one computer is operative to cause the at least one transaction function device to perform at least one operation responsive to at least one communication from the mobile wireless device.

7. The apparatus according to claim 6

wherein the at least one input device includes a wireless interface, wherein the wireless interface is operative to receive the at least one communication from the mobile wireless device.

8. The apparatus according to claim 7

wherein the wireless interface is operative to receive from the mobile wireless device at least one communication including data corresponding to a form.

9. The apparatus according to claim 8

wherein the wireless interface is operative to send at least one communication corresponding to a form toward the mobile wireless device.

10. The apparatus according to claim 6

wherein the at least one input device includes a bar code reader, wherein the bar code reader is operative to receive the at least one communication from the mobile wireless device via visible indicia read from a display of the mobile wireless device.

11. The apparatus according to claim 6

wherein the at least one computer is operative to cause the financial transfer at least one of to and from the financial account responsive at least in part to communication from the mobile wireless device.

12. The apparatus according to claim 11

wherein the at least one transaction function device includes a cash dispenser, and

wherein the at least one computer is operative to cause the cash dispenser to dispense cash responsive at least in part to at least one communication from the mobile wireless device.

13. Apparatus comprising:

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

a card reader, wherein the card reader is operative to read data from user cards, wherein the data corresponds to financial accounts,

a display,

at least one input device,

at least one transaction function device, wherein the at least one transaction function device includes at least one of a check acceptor, a cash acceptor and a cash dispenser,

at least one computer associated with the machine, wherein the at least one computer is in operative connection with the card reader, the display, the at least one input device, and the at least one transaction function device,

wherein the at least one computer is operative to cause

a determination to be made that card data read through operation of the card reader corresponds to a financial account on which a transaction is authorized to be conducted through operation of the machine,

responsive at least in part to the determination,

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

the at least one transaction function device to carry out at least one operation associated with the transaction,

wherein the machine includes an audio input device and an audio output device, wherein the audio input device and the audio output device are each in operative connection with the at least one computer,

wherein the at least one computer is operative to cause the machine to be in audio communication with a remote service provider station,

wherein the machine includes at least one output device, wherein the at least one output device is in operative connection with the at least one computer, and wherein the at least one computer is operative to cause at least one output through the at least one output device,

wherein the at least one output is receivable by a mobile wireless device adjacent to the machine, and wherein the at least one output is operative to enable the mobile wireless device in receipt of the at least one output to be in audio communication with the remote service provider station.

14. The apparatus according to claim 13

wherein the at least one output enables the mobile wireless device to be in audio communication with the remote service provider station in a continuation of a communication session with the remote service provider station previously carried out via communication between the machine and the remote service provider station.

15. The apparatus according to claim 14

wherein the machine includes a camera, and wherein the camera is in operative connection with the at least one computer,

and wherein in the communication session the at least one computer causes the machine and the remote service provider station to be in video and audio communication,

and wherein the at least one output enables the mobile wireless device to be in video and audio communication with the remote service provider station.

16. The apparatus according to claim 15

wherein the at least one computer is operative responsive at least in part to at least one input through the at least one input device, to cause at least one of video and audio communication between the machine and the remote service provider station in the session to cease while at least one of video and audio communication between the mobile wireless device and the remote service provider station in the session is continued.