Card activated cash dispensing automated banking machine system and method

• US 9,230,247 B2
• Filed: 08/05/2014
• Issued: 01/05/2016
• 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: Drummond, Jay Paul, Smith, Mark D., Ramachandran, Natarajan
• Primary Examiner(s): Labaze, Edwyn
• Application Number:
  US14/452,466
• Publication Number:
  US 20140365365A1
• Time in Patent Office: 518 Days
• Field of Search: 235/379, 235/382, 235/382.5, 235/380, 235/472.01, 235/376, 705/43, 705/30, 705/35, 705/5
• US Class Current: 1/1
• CPC Class Codes: G06K 19/08 using markings of different kinds or more than one marking of the same kind in the same record carrier, e.g. one marking being sensed by optical and the other by magnetic means
• CPC Class Codes: G06K 7/0004 Hybrid readers
• CPC Class Codes: G06Q 20/1085 involving automatic teller machines [ATMs]
• CPC Class Codes: G06Q 20/18 involving self-service terminals [SST], vending machines, kiosks or multimedia terminals
• CPC Class Codes: G06Q 20/3223 Realising banking transactions through M-devices
• CPC Class Codes: G06Q 20/326 Payment applications installed on the mobile devices
• CPC Class Codes: G06Q 20/327 Short range or proximity payments by means of M-devices
• CPC Class Codes: G06Q 20/341 Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
• CPC Class Codes: G07F 17/16 for devices exhibiting advertisements, announcements, pictures or the like
• CPC Class Codes: G07F 19/20 Automatic teller machines [ATMs]
• CPC Class Codes: G07F 19/203 Dispensing operations within ATMs dispensing in general G07D11/00
• CPC Class Codes: G07F 19/211 Software architecture within ATMs or in relation to the ATM network
• CPC Class Codes: G07F 7/0886 the card reader being portable for interacting with a POS or ECR in realizing a payment transaction
• CPC Class Codes: G07F 7/1008 Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system

Abstract

An automated banking machine system operates to cause financial transfers responsive to data read from data bearing records. The system is operative to read a financial card bearing account indicia with a card reader. A user is enabled to perform at least one banking operation responsive to account indicia read from the card. Such banking operations may include dispensing cash and accessing financial accounts. A user is also enabled to perform at least one banking operation responsive to financial account data communicated to the automated banking machine from a mobile phone.

Claims

1. An apparatus, comprising:

an automated banking machine that comprises

a wireless access point;

a fascia; and

a plurality of cash dispenser outlets mounted on the fascia that are operatively coupled with the wireless access point;

wherein the wireless access point is operable to concurrently communicate with a plurality of wireless devices requesting a cash withdrawal corresponding to the plurality of cash dispenser outlets; and

wherein the plurality of cash dispensers are operable to dispense cash.

2. The apparatus according to claim 1, further comprising a plurality of identifying devices;

wherein the plurality of identifying devices are operable to determine an identity associated with a user adjacent to the plurality of cash dispenser outlets.

3. The apparatus according to claim 2, wherein the wireless access point communicates with a first of the plurality of wireless devices associated with a first of the plurality of cash dispenser outlets requesting a first cash withdrawal transaction, and a second of the plurality of wireless devices associated with a second of the plurality of cash dispenser outlets requesting a second cash withdrawal transaction;

wherein a first identifying device associated with the first of the plurality of cash dispenser outlets waits for a first input corresponding to the first cash withdrawal transaction;

wherein cash for the first cash withdrawal transaction is provided at the first cash dispenser outlet responsive to receiving the first input;

wherein a second identifying device associated with the second of the plurality of cash dispenser outlets waits for a second input corresponding to the second cash withdrawal transaction; and

wherein cash for the second cash withdrawal transaction is provided at the second cash dispenser outlet responsive to receiving g the second input.

4. The apparatus according to claim 2, wherein at least one of the plurality of identifying devices comprises a biometric reader.

5. The apparatus according to claim 2, wherein the biometric reader includes a fingerprint scanner.

6. The apparatus according to claim 5, wherein the automated banking machine further includes a data store;

and

wherein the automated banking machine is operable to verify a fingerprint scan obtained via the biometric reader corresponds to an authorized user of a wireless device at the at least one of the plurality of identifying devices.

7. The apparatus according to claim 2, wherein the identifying device comprises a bar code scanner.

8. The apparatus according to claim 2, wherein the identifying device comprises an infra-red scanner.

9. The apparatus according to claim 2, wherein the identifying device comprises a card reader.

10. The apparatus according to claim 2, wherein the identifying device is operable to correlate a wireless device to a user.

11. The apparatus according to claim 2, wherein the identifying device identifiers a user from a digital certificate.

12. The apparatus according to claim 1, wherein the automated banking machine is operable to communicate with a remote system to determine whether a cash withdrawal transaction is authorized.

13. The apparatus according to claim 1, further operable to allow at least one of the plurality of users to purchase digital information or content.

14. The apparatus according to claim 1, wherein the wireless access point is operable to send message to a selected one of the plurality of wireless devices indicating that transaction is authorized.

15. The apparatus according to claim 1, further comprising:

a single cash dispenser; and

a plurality of presenters corresponding to the plurality of cash dispenser outlets;

wherein cash is provided from the single cash dispenser to an appropriate one of the plurality of presenters corresponding to a selected one of the plurality of cash dispenser outlets.

16. The apparatus according to claim 1, where the plurality of cash dispenser outlets are spaced apart along the fascia such that different users may be able to stand adjacent to different cash dispenser outlets simultaneously.