Banking system operated responsive to data read from data bearing records

• US 9,412,114 B2
• Filed: 05/11/2012
• Issued: 08/09/2016
• Est. Priority Date: 05/07/1997
• Status: Active Grant

• Current Assignee: Diebold Nixdorf, Incorporated
• Original Assignee: Diebold Incorporated (Diebold Nixdorf, Incorporated)
• Inventors: Meek, James, Bakerink, Allan R., Frazzitta, Bartholomew J., Benore, Randolph C., McIntyre, Daniel S., DePietro, Mark
• Primary Examiner(s): Mai, Thien T
• Application Number:
  US13/469,489
• Publication Number:
  US 20120223135A1
• Time in Patent Office: 1,551 Days
• Field of Search: 235/379, 235/380, 709/204, 348/14.08, 705/27, 705/38, 705/39
• US Class Current: 1/1
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 30/02 Marketing; Price estimation or determination; Fundraising
• CPC Class Codes: G06Q 30/0269 based on user profile or attribute
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03
• CPC Class Codes: G07F 19/00 Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines data processing equipment for bank accounting G06Q40/02
• CPC Class Codes: G07F 19/20 Automatic teller machines [ATMs]
• CPC Class Codes: G07F 19/201 Accessories of ATMs
• CPC Class Codes: G07F 19/211 Software architecture within ATMs or in relation to the ATM network
• CPC Class Codes: H04N 7/18 Closed-circuit television [CCTV] systems, i.e. systems in which the video signal is not broadcast

Abstract

An exemplary system includes an automated banking machine which is operable to conduct transactions including cash dispensing for users responsive to communication with a transaction host. The machine is also operative to provide output signals which drive external displays which are separate from the machine. The machine is operable to receive visual and audio content from one or more broadcast content sources and to store the content in the machine. The content is then output through the external displays. The machine is also operative to receive and store a plurality of advertising messages. The advertising messages are output in a targeted manner to users of the machine.

Claims

1. Apparatus comprising:

a transaction arrangement comprising;

a customer station operable by respective customers in carrying out respective financial transactions,

the customer station comprises a reading device operative to read in a contactless manner identification data which identifies a particular customer,

wherein the customer station includes a customer touch screen,

wherein the customer touch screen is operable to display at least one output to a first customer, including transaction information corresponding to a financial transaction,

wherein the customer station includes a cash dispenser,

wherein the customer station comprises a plurality of external monitors,

wherein the customer station comprises a customer station processor,

wherein the customer station processor is operable to receive signals from the reading device, the signals comprising identification data that identifies a second customer waiting to use the customer service station who has not initiated contact with the customer service station,

wherein the customer station processor is operable to obtain from a remote marketing server a first marketing presentation targeted to the identified second customer,

wherein the customer station processor is operable to display the presentation on a first of the plurality of external monitors to the second customer while the first customer is using the customer service station, and

a service provider (SP) station,

wherein the SP station includes a SP touch screen,

 

wherein the SP touch screen is spaced from the customer touch screen,

 

wherein the SP touch screen is usable by a service provider to assist a first customer in carrying out a financial transaction,

 

wherein the SP station includes a datastore with stored presentations which explain particular aspects of transactions or which include promotional messages,

at least one computer associated with the SP station and the customer station,

wherein the at least one computer is operable to place a service provider at the SP station in two-way audio communication with a customer at the customer station,

wherein the at least one computer is operable, while the customer station is being used for a first financial transaction, and while the customer touch screen displays a first transaction screen output that is involved in carrying out the first financial transaction, to cause the customer touch screen to visually point out to the first customer, specific information being displayed in the first transaction screen output,

wherein the at least one computer is operable to cause SP transaction assistance to be displayed through the customer touch screen, responsive to first SP input provided through moving contact with the SP touch screen in the first transaction screen output,

wherein the SP transaction assistance includes a displayed pointing out to the first customer of at least one specific location on the customer touch screen in the first transaction screen output responsive to first SP input to the SP touch screen during the display of the first transaction screen output by the customer touch screen,

wherein the customer station allows a first kind of cash dispense transaction to be carried out through operation of the cash dispenser,

wherein the first kind of cash dispense transaction is dependent on authorization from a remote transaction host,

wherein the first kind of cash dispense transaction can be independently carried out by an authorized user without requiring assistance from the service provider at the SP station,

wherein the customer station allows a second kind of cash dispense transaction to be carried out through operation of the cash dispenser,

wherein the second kind of cash dispense transaction is dependent on authorization from the remote transaction host,

wherein the second kind of cash dispense transaction includes service provider assistance to an authorized user,

wherein in the second kind of cash dispense transaction, operation of the cash dispenser is dependent on input provided by the service provider,

wherein the customer station allows a third kind of cash dispense transaction to be carried out through operation of the cash dispenser,

wherein the third kind of cash dispense transaction is independent of authorization from the remote transaction host,

wherein the third kind of cash dispense transaction is dependent on authorization from the service provider,

wherein the third kind of cash dispense transaction includes assistance from the service provider,

wherein the third kind of cash dispense transaction, operation of the cash dispenser is dependent on input provided by the service provider;

wherein the at least one computer is operable responsive to at least one SP input to the SP touch screen to cause operation of the cash dispenser

wherein a second SP input displays on the first customer touch screen a stored presentation from the datastore of a designated type applicable to the first transaction which explain particular aspects of the first transaction on the touch screen display.

2. The apparatus according to claim 1

wherein the customer station includes a check imager that is operable to capture at least one image of at least one portion of a received check,

wherein the customer touch screen is operable to display the at least one image,

wherein the SP touch screen is operable to display the at least one image,

wherein the at least one computer is operable responsive to at least one SP input to the SP touch screen, to cause a particular portion of the at least one image while displayed by the customer touch screen, to be pointed out to the customer.

3. The apparatus according to claim 1 wherein the customer station includes an automated banking machine,

wherein the machine includes the cash dispenser, the customer touch screen, and at least one reader,

wherein the at least one reader is operative to read customer data that is usable to identify a financial account on which at least one financial transaction can be carried out,

wherein the machine allows an authorized user of the machine to independently carry out, without requiring assistance from the service provider, a cash dispense transaction that includes operation of the cash dispenser.

4. The apparatus according to claim 3 wherein the machine is operable to carry out check cashing transactions, wherein the machine includes a check acceptor that is operable to receive checks from customers, and wherein the machine includes a check imager that is operable to capture at least one image of at least a portion of a received check.

5. The apparatus according to claim 1

wherein the transaction arrangement includes a plurality of customer stations,

wherein each customer station includes a customer touch screen,

wherein the at least one computer is associated with each customer station,

wherein the at least one computer is operable to cause a respective customer touch screen to visually point out specific information being displayed in a respective transaction screen output, responsive to respective SP input to the SP touch screen during the display of the respective transaction screen output by the customer touch screen.

6. The apparatus according to claim 1 wherein the respective SP input causes the specific information to be visually pointed out by display of at least one of:

a pointer that points to a specific portion of the specific information,

a highlight of the specific portion of the specific information, or

an arrow that indicates the specific portion of the specific information.

7. The apparatus according to claim 1, wherein the customer station processor is operable to receive signals that identify a third customer waiting to use the customer service station,

wherein the customer station processor is operable to obtain from a remote marketing server a second marketing presentation directed to the third customer,

wherein the customer station processor is operable to display the second marketing presentation on a second of the plurality of external monitors while the first customer is using the customer service station.

8. The apparatus according to claim 1, wherein the reading device comprises a radio frequency identification reading device.