Banking system controlled responsive to data bearing records

• US 9,235,967 B1
• Filed: 11/28/2012
• Issued: 01/12/2016
• Est. Priority Date: 12/20/2005
• Status: Active Grant

• Current Assignee: Diebold Nixdorf, Incorporated
• Original Assignee: Diebold Self-Service Systems (Diebold Nixdorf, Incorporated)
• Inventors: Magee, Paul D, Block, James, Jenkins, Randall W, Crews, Tim, Harty, Michael J, Steinbach, Klaus, Ramachandran, Natarajan, Ma, Songtao, Irudayam, Sathish, Konecny, Robert, Atkinson, James D, Lute, Richard C
• Primary Examiner(s): Lee, Michael G
• Assistant Examiner(s): Chedekel, Tabitha
• Application Number:
  US13/687,023
• Time in Patent Office: 1,140 Days
• Field of Search: 235/375, 235/379, 235/380, 705/43, 705/73, 902/2, 902/4, 902/5, 902/9, 902/13, 902/14, 902/20
• US Class Current: 1/1
• CPC Class Codes: G06F 3/02 Input arrangements using manually operated switches, e.g. using keyboards or dials
• CPC Class Codes: G06F 3/04812 Interaction techniques based on cursor appearance or behaviour, e.g. being affected by the presence of displayed objects
• CPC Class Codes: G06F 3/0482 Interaction with lists of selectable items, e.g. menus
• CPC Class Codes: G06F 3/04842 Selection of displayed objects or displayed text elements G06F3/0482 takes precedence
• CPC Class Codes: G06F 3/04845 for image manipulation, e.g. dragging, rotation, expansion or change of colour
• CPC Class Codes: G06F 3/04883 for inputting data by handwriting, e.g. gesture or text
• CPC Class Codes: G06F 3/14 Digital output to display device ; Cooperation and interconnection of the display device with other functional units
• CPC Class Codes: G06F 3/16 Sound input; Sound output speech processing G10L
• CPC Class Codes: G06Q 20/1085 involving automatic teller machines [ATMs]
• CPC Class Codes: G06Q 20/401 Transaction verification
• CPC Class Codes: G07F 19/201 Accessories of ATMs
• CPC Class Codes: G09G 2370/16 Use of wireless transmission of display information
• CPC Class Codes: G09G 5/12 Synchronisation between the display unit and other units, e.g. other display units, video-disc players
• CPC Class Codes: G09G 5/14 Display of multiple viewports

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, a check acceptor, a cash dispenser and a display. The at least one processor causes the machine to operate to read card data from a user card, and to cause a determination to be made that the read card data corresponds to an authorized financial account. The at least one processor is operative to cause data to be read from a check and/or cash to be dispensed, and a financial transfer to or from the account corresponding to the value thereof. Machine instructions are output and user transaction inputs can be received through either a primary or an auxiliary touch screen display.

Claims

1. Apparatus comprising:

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

a card reader, wherein the card reader is operative to read card data, wherein the card data is usable to identify at least one financial account,

at least one input device, wherein the at least one input device is operative to receive user inputs associated with financial transactions,

a primary display,

an auxiliary display, wherein the auxiliary display is separate from the primary display,

a key pad,

at least one processor associated with the machine, wherein the at least one processor is in operative connection with the card reader,

wherein the at least one processor is operative to cause user card data to be read from a user card through operation of the card reader,

a determination to be made that the user card data corresponds to a financial account authorized to have a transaction conducted thereon through operation of the machine,

responsive at least in part to the determination, the financial account to be at least one of charged or credited an amount associated with a financial transaction,

wherein the primary display and the auxiliary display and the at least one input device are in operative connection with the at least one processor,

wherein the at least one processor is operative to cause

visible indicia corresponding to at least one operation instruction associated with user operation of the machine, to be output through the primary display,

responsive at least in part to at least one input received through the at least one input device, visible indicia corresponding to the at least one operation instruction to be output through the auxiliary display;

wherein the at least one processor is operative responsive in part to the at least one input, to cause the primary display to not output visible indicia corresponding to at least one operation instruction when the auxiliary display is operative to output visible indicia corresponding to the at least one operation instruction;

wherein the auxiliary display is positioned relatively lower on the machine than the primary display;

wherein the auxiliary display includes a touch screen;

wherein the primary display includes a touch screen;

wherein the at least one input includes one of a group consisting of at least one input received through the primary display touch screen, at least one input received through the auxiliary display touch screen, at least one input received through the key pad, and at least one input received through a portable wireless device in operative connection with the machine, and at least one signal corresponding to operative connection of a headphone connector of the machine and headphones;

wherein the auxiliary display touch screen is configured to be engageable with a portable device operative to provide vibratory signals; and

wherein the at least one processor is operatively configured to receive inputs through the auxiliary display responsive to vibratory signals from a portable device in contact engagement therewith.

2. The apparatus according to claim 1

wherein the at least one processor is operative responsive at least in part to the at least one input, to cause both the primary display and the auxiliary display to both output visible indicia corresponding to the at least one operation instruction.

3. The apparatus according to claim 2

wherein responsive to receipt of at least one further input through the at least one input device, the at least one processor is operative to cause indicia corresponding to the at least one operation instruction to be output through at least one of

the primary display,

the auxiliary display,

both the primary display and the auxiliary display.

4. The apparatus according to claim 1,

wherein the machine includes a fascia,

wherein the fascia includes a generally horizontally extending shelf surface,

wherein the auxiliary display includes a display surface that extends generally parallel with the shelf surface.

5. The apparatus according to claim 4

wherein the shelf surface includes an upper shelf surface,

wherein the display surface of the auxiliary display extends generally coplaner with the upper shelf surface.

6. The apparatus according to claim 5

wherein the auxiliary display includes a secure touch screen display module.

7. The apparatus according to claim 4

wherein the machine further includes a key pad, and wherein the key pad includes a plurality of keys,

wherein the plurality of keys, each include contact surfaces that extend generally parallel with the shelf surface.

8. The apparatus according to claim 1

wherein the machine includes a headphone connector,

wherein the at least one input corresponds at least in part to operative connection of the headphone connector and headphones.

9. The apparatus according to claim 1

wherein the at least one input includes at least one input received through the auxiliary display touch screen.

10. The apparatus according to claim 1

wherein responsive at least in part to at least one further input received through at least one input device of the machine, the at least one processor is operative to cause indicia corresponding to at least one operation instruction to be output through the primary display.

11. The apparatus according to claim 10

wherein the at least one processor is operative to control a position of a graphic pointer on the primary display, responsive at least in part to at least one input received through the auxiliary display touch screen.

12. The apparatus according to claim 10

wherein the at least one processor is operative to cause a change in position of at least one item of touch selectable indicia output through the primary display responsive at least in part to at least one input received through the auxiliary display touch screen.

13. The apparatus according to claim 10

wherein the at least one processor is operative to cause a change in at least one of size, orientation, and distortion, of at least one item of visible indicia output through the primary display, responsive at least in part to at least one input received through the auxiliary display touch screen.

14. The apparatus according to claim 10

wherein the machine includes a cash dispenser, wherein the cash dispenser is in operative connection with the at least one processor,

wherein the at least one processor is operative to cause the cash dispenser to dispense cash from the machine responsive at least in part to the determination, and to cause a charge to be assessed to the financial account corresponding to a value associated with the dispensed cash.

15. Apparatus comprising:

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

a reader, wherein the reader is operative to read data from data bearing items,

wherein the read data is usable to identify financial accounts,

a primary touch screen display,

an auxiliary touch screen display separate from the primary touch screen display,

at least one processor associated with the machine, wherein the at least one processor is in operative connection with the reader, the primary touch screen display and the auxiliary touch screen display,

wherein the at least one processor is operative to cause

the reader to read data from a data bearing item,

a determination to be made that the read data corresponds to a financial account authorized to have a transaction conducted thereon through operation of the machine,

selectable visible outputs to be provided through each of the primary touch screen display and the auxiliary touch screen display, wherein a user transaction input is receivable through each of the primary touch screen display and the auxiliary touch screen display,

wherein the at least one processor, responsive at least in part to the determination and the user transaction input, is operative to cause a financial transfer at least one of to or from the financial account, and

wherein the at least one processor is operative to receive data inputs responsive to vibration of a portable device in contact with one of the group consisting of the primary touch screen display and the auxiliary touch screen display.

16. The apparatus according to claim 15

wherein the machine further includes

a keypad, and

a headphone connector,

wherein responsive at least in part to at least one user selection input received through at least one of

the primary touch screen display,

the auxiliary touch screen display,

the key pad, and or

the headphone connector,

the at least one processor is operative to cause at least one of

output of at least one selectable transaction output and enable receipt of the at least one user transaction input through the primary touch screen display, but not the auxiliary touch screen display,

output of at least one selectable transaction output and enable receipt of the at least one user transaction input through the auxiliary touch screen display, but not the primary touch screen display, or

output of at least one selectable transaction output through each of the primary touch screen display and the auxiliary touch screen display, and enable receipt of the at least one transaction input through each of the primary touch screen display and the auxiliary touch screen display.

17. The apparatus according to claim 15

wherein responsive at least in part to at least one touch input received through the auxiliary touch screen display, the at least one processor is operative to cause at least one of

selectable indicia to be moved at least one of vertically and horizontally on the primary touch screen display,

size of at least one item of selectable visible indicia to be changed on the primary touch screen display,

selectable visible indicia to cease to be output through the primary touch screen display, or

selectable visible indicia output through the primary touch screen display, to be output through the auxiliary touch screen display.

18. The apparatus according to claim 15

wherein the machine includes a cash dispenser, wherein the at least one processor is in operative connection with the cash dispenser,

wherein the user transaction input corresponds to a cash amount,

wherein the at least one processor is operative responsive at least in part to the determination and the user transaction input to cause a-the cash dispenser to dispense an amount of cash corresponding to the cash amount, and to cause a charge corresponding to the cash amount to be assessed to the financial account.