Banking system controlled responsive to data bearing records

• US 9,082,253 B1
• Filed: 10/26/2011
• Issued: 07/14/2015
• Est. Priority Date: 12/20/2005
• Status: Active Grant

• Current Assignee: Diebold Nixdorf, Incorporated
• Original Assignee: Diebold Self-Service Systems (Diebold Nixdorf, Incorporated)
• Inventors: Harty, Michael J., Jenkins, Randall W., Crews, Tim, Ramachandran, Natarajan
• Primary Examiner(s): Lee, Michael G
• Assistant Examiner(s): CHEDEKEL, TABITHA F
• Application Number:
  US13/317,725
• Time in Patent Office: 1,357 Days
• Field of Search: 235/375, 235/379, 235/380
• US Class Current: 1/1
• CPC Class Codes: G06F 21/31 User authentication
• 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 3/041 Digitisers, e.g. for touch screens or touch pads, characterised by the transducing means
• CPC Class Codes: G06F 3/0482 Interaction with lists of selectable items, e.g. menus
• CPC Class Codes: G06F 3/0488 using a touch-screen or digitiser, e.g. input of commands through traced gestures
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/4014 Identity check for transactions
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03
• CPC Class Codes: G07F 19/201 Accessories of ATMs
• CPC Class Codes: G07F 19/205 Housing aspects of ATMs

Abstract

An apparatus that operates to cause financial transfers responsive to data read from data bearing records includes at least one processor that is in operative connection with a card reader and a touch screen display. The at least one processor causes the machine to operate to read card data from a user card, and to cause a determination that the read card data corresponds to an authorized financial account. Data corresponding to a user input character is resolved by the at least one processor responsive to contact with the touch screen display input surface, which may not include any visible output indicia that corresponds to the input character.

Claims

1. Apparatus comprising:

at least one processor associated with an automated transaction machine, wherein the machine includes at least one data reader operable to obtain user data usable to identify a financial account, wherein the machine includes at least one financial instrument handling mechanism, wherein the machine includes a touch screen display, wherein the at least one processor, in response to detecting a predefined finger movement on the input surface, outputs a plurality of numeric characters in a sequence on the touch screen display until the predefined finger movement is no longer detected; and

wherein the at least one processor determines that the numerical value is a last numerical value output on the touch screen display when the predefined finger movement is no longer detected wherein the at least one processor is operable to use the at least one character in carrying out with the machine, a financial transaction that involves a financial account identified through use of user data obtained by the at least one data reader.

2. The apparatus according to claim 1 wherein the touch screen display is operable to receive character input via a character drawn by finger contact with the input surface while the input surface is absent any visible indicia that corresponds to the character,

wherein the at least one processor is operable to resolve an alphanumeric character from the character input.

3. The apparatus according to claim 2 wherein the touch screen display is operable to receive numerical input via a numeral drawn by finger contact with the input surface while the input surface is absent any visible indicia that corresponds to the numeral,

wherein the at least one processor is operable to resolve a numerical value from the numerical input.

4. The apparatus according to claim 2 wherein the touch screen display is operable to receive letter input via a letter drawn by finger contact with the input surface while the input surface is absent any visible indicia that corresponds to the letter,

wherein the at least one processor is operable to resolve a letter from the letter input.

5. The apparatus according to claim 1 wherein the touch screen display is operable to receive numerical input via a number of concurrent linger contacts with the input surface,

wherein the at least one processor is operable to resolve a numerical value from the numerical input.

6. The apparatus according to claim 1 wherein the touch screen display is operable to receive numerical input via a number of fingers simultaneously contacting the input surface,

wherein the at least one processor is operable to resolve a numerical value from the numerical input.

7. A tangible, non-transitory computer readable medium of instructions with instructions stored thereon for execution by a processor, and when executed operable to:

obtain user data usable to identify a financial account from a data reader;

detect a predefined finger movement on an input surface of a touch screen display;

output a plurality of numeric characters in a sequence on the touch screen display until the predefined finger movement is no longer detected;

determine a numerical character that is a last numerical character output on the touch screen display when the predefined finger movement is no longer detected;

use the numerical character in carrying out a financial transaction with an automated banking machine that involves the financial account identified through use of user data obtained from the data reader.

8. The tangible, non-transitory computer readable medium of instructions set forth in claim 7, further operable to:

obtain from the touch screen display character input via a character drawn by finger contact with the input surface while the input surface is absent any visible indicia that corresponds to the character; and

resolve an alphanumeric character from the character input.

9. The tangible, non-transitory computer readable medium of instructions set forth in claim 8, further operable to:

receive from the touch screen display a numerical input via a numeral drawn by finger contact with the input surface while the input surface is absent any visible indicia that corresponds to the numeral; and

resolve a numerical value from the numerical input′

.

10. The tangible, non-transitory computer readable medium of instructions set forth in claim 8, further operable to:

receive from the touch screen display a letter input via a letter drawn by finger contact with the input surface while the input surface is absent any visible indicia that corresponds to the letter; and

to resolve a letter from the letter input.

11. The tangible, non-transitory computer readable medium of instructions set forth in claim 7, further operable to:

receive from the touch screen display numerical input via a number of concurrent finger contacts with the input surface; and

,

resolve a numerical value from the numerical input.

12. The tangible, non-transitory computer readable medium of instructions set forth in claim 7 further operable to:

receive from the touch screen display numerical input via a number of fingers simultaneously contacting the input surface; and

resolve a numerical value from the numerical input.

13. A method, comprising:

obtaining user data usable to identify a financial account from a data reader;

detecting a predefined finger movement on an input surface of a touch screen display;

outputting a plurality of numeric characters in a sequence on the touch screen display until the predefined finger movement is no longer detected;

determining a numerical character that is a last numerical character output on the touch screen display when the predefined finger movement is no longer detected;

using the numerical character in carrying out a financial transaction with an automated banking machine that involves the financial account identified through use of user data obtained from the data reader.

14. The method set forth in claim 13, further comprising:

obtaining from the touch screen display character input via a character drawn by finger contact with the input surface while the input surface is absent any visible indicia that corresponds to the character; and

resolving an alphanumeric character from the character input.

15. The method set forth in claim 14, further comprising:

receiving from the touch screen display a numerical input via a numeral drawn by finger contact with the input surface while the input surface is absent any visible indicia that corresponds to the numeral; and

resolving a numerical value from the numerical input.

16. The method set forth in claim 14, further comprising:

receiving from the touch screen display a letter input via a letter drawn by finger contact with the input surface while the input surface is absent any visible indicia that corresponds to the letter; and

to resolve a letter from the letter input.

17. The method set forth in claim 13, further comprising:

receiving from the touch screen display numerical input via a number of concurrent finger contacts with the input surface; and

,

resolving a numerical value from the numerical input.

18. The method set forth in claim 13 further comprising:

receiving from the touch screen display numerical input via a number of fingers simultaneously contacting the input surface; and

resolving a numerical value from the numerical input.