Processing automated banking transactions requiring approval

• US 9,355,530 B1
• Filed: 03/11/2013
• Issued: 05/31/2016
• Est. Priority Date: 03/18/2002
• Status: Active Grant

• Current Assignee: Diebold Nixdorf, Incorporated
• Original Assignee: Diebold Self-Service Systems (Diebold Nixdorf, Incorporated)
• Inventors: Block, James, Graef, H Thomas, Magee, Paul D, Nelson, Donald S Jr., Meek, James, McIntyre, Daniel S, DePietro, Mark, Ramachandran, Natarajan
• Primary Examiner(s): Lee, Michael G
• Assistant Examiner(s): Ellis, Suezu
• Application Number:
  US13/793,070
• Time in Patent Office: 1,177 Days
• Field of Search: 235/379, 705/43, 705/44
• US Class Current: 1/1
• CPC Class Codes: G06Q 20/1085 involving automatic teller machines [ATMs]
• CPC Class Codes: G06Q 20/308 using the Internet of Things
• CPC Class Codes: G06Q 20/321 using wearable devices
• CPC Class Codes: G06Q 20/405 Establishing or using transaction specific rules
• 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 19/207 Surveillance aspects at ATMs

Abstract

In an example embodiment, an automated banking machine operable to perform cash withdrawals. If a withdrawal is below a threshold, authorization is obtained from a first transaction authorization computer. If a withdrawal is greater than or equal to the threshold, a first portion of the cash is dispensed responsive to authorization from a first transaction authorization computer and a second portion of the cash amount is dispensed responsive to authorization from a second transaction authorization computer.

Claims

1. An apparatus comprising:

an automated banking machine configured to operate 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 configured to read data from user cards, wherein the data corresponds to financial accounts,

a display,

at least one input device, wherein the at least one input device is configured to receive user inputs corresponding to amounts,

a cash dispenser,

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

wherein the at least one machine computer is configured 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,

 

to cause the financial account to be assessed an amount corresponding to a transaction amount input through the at least one input device, and

 

to cause the cash dispenser to dispense a cash amount corresponding to the transaction amount,

wherein responsive at least in part to the transaction amount being below a threshold, the at least one machine computer is configured to cause the cash dispenser to dispense the cash amount responsive at least in part to a first transaction authorization computer remote from the automated banking machine,

wherein responsive at least in part to the transaction amount being at least as great as the threshold, the at least one machine computer is configured to cause the cash dispenser to dispense at least a portion of the cash amount responsive at least in part to a second transaction authorization computer remote from the automated banking machine and different from the first transaction authorization computer, and

wherein the at least one machine computer is configure responsive at least in part to the transaction amount being at least as great as the threshold, to cause;

 

a first portion of the cash amount to be dispensed responsive at least in part to the first transaction authorization computer, and

 

a second portion of the cash amount to be dispensed responsive at least in part to the second transaction authorization computer.

2. The apparatus according to claim 1

wherein the second transaction authorization computer is configured to cause the operation of the cash dispenser responsive at least in part to at least one human service provider input through at least one input device remote from the machine.

3. The apparatus according to claim 2

wherein the first transaction authorization computer is configured to cause the operation of the cash dispenser automatically without remote human service provider input.

4. The apparatus according to claim 3

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

wherein the at least one machine computer is configured to enable audio communication through the second transaction authorization computer with a human service provider adjacent thereto.

5. The apparatus according to claim 4

wherein the machine is associated with a camera having a field of view adjacent the machine, and wherein the camera is in operative connection with the at least one machine computer, and wherein the camera is configured to capture images of a user at the automated banking machine,

wherein the at least one machine computer is configured to enable video communication through the second transaction authorization computer with a human service provider adjacent thereto.

6. The apparatus according to claim 5

wherein the at least one machine computer is configured to enable video and audio communication between the automated banking machine and the second transaction authorization computer responsive at least in part to the transaction amount being at least as great as the threshold.

7. The apparatus according to claim 6

wherein the automated banking machine further includes a driver'"'"'s license reader, wherein the driver'"'"'s license reader is in operative connection with the at least one machine computer,

wherein the at least one machine computer is configured to enable data read through operation of the driver'"'"'s license reader to be received at the second transaction authorization computer.

8. The apparatus according to claim 6

wherein the automated banking machine includes a printer, wherein the printer is in operative connection with the at least one machine computer,

wherein responsive at least in part to the transaction amount being below the threshold, the printer is caused to print a receipt for the transaction amount responsive at least in part to the first transaction authorization computer.

9. The apparatus according to claim 8

wherein an automatically operating transaction host includes the first transaction authorization computer,

wherein a remote teller controlled terminal includes the second transaction authorization computer.

10. The apparatus according to claim 9

wherein the at least one machine computer is configured to enable communication between the machine and the remote teller terminal responsive at least in part to a malfunction of at least one of the card reader and the at least one input device, whereby users at the machine are enabled to communicate data to the remote teller terminal that would otherwise be received through operation of the malfunctioned at least one of the card reader and the at least one input device.

11. The apparatus according to claim 6

wherein the automated banking machine includes a printer, wherein the printer is in operative connection with the at least one banking machine computer,

wherein responsive at least in part to the transaction amount being at least as great as the threshold, the printer is caused to print a receipt for at least a portion of the transaction amount responsive at least in part to the second transaction authorization computer.

12. The apparatus according to claim 1

wherein the automated banking machine further includes an audio input device, and audio output device, and further including a camera having a field of view adjacent the machine, wherein the audio input device, audio output device and camera are each in operative connection with the at least one machine computer,

wherein the at least one machine computer is configured to enable at least one of audio and video communication between users at the automated banking machine and a service provider at the second transaction authorization computer responsive at least in part to the transaction amount being at least as great as the threshold.

13. The apparatus according to claim 1

wherein the automated banking machine includes a printer, wherein the printer is in operative connection with the at least one banking machine computer,

wherein responsive at least in part to the transaction amount being at least as great as the threshold, the printer is caused to print a receipt for at least a portion of the transaction amount responsive at least in part to the second transaction authorization computer.

14. The apparatus according to claim 1

wherein a financial transaction host includes the first transaction authorization computer, and

wherein a remote teller operated terminal includes the second transaction authorization computer.