Processing automated banking transactions requiring approval

• US 9,607,483 B2
• Filed: 05/31/2016
• Issued: 03/28/2017
• 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., Meek, James, McIntyre, Daniel S., DePietro, Mark, Ramachandran, Natarajan
• Primary Examiner(s): Lee, Michael G
• Assistant Examiner(s): ELLIS, SUEZU Y
• Application Number:
  US15/169,007
• Publication Number:
  US 20160275760A1
• Time in Patent Office: 301 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 20/3221 Access to banking information through M-devices
• CPC Class Codes: G06Q 20/3223 Realising banking transactions through M-devices
• 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 19/2055 Anti-skimming aspects at ATMs
• CPC Class Codes: G07F 19/207 Surveillance aspects at ATMs
• CPC Class Codes: G07F 9/001 Interfacing with vending machines using mobile or wearable devices

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

determine a financial account on which a transaction is authorized to be conducted through operation of an automated banking machine;

cause the financial account to be assessed an amount corresponding to a transaction amount input through an input device; and

cause a cash dispenser associated with the automated banking machine 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 instructions are operable to cause the cash dispenser to dispense the cash amount responsive at least in part to receiving authorization from a first transaction authorization computer remote from the automated banking machine,

wherein the instructions are operable responsive at least in part to the transaction amount being at least the threshold, to cause;

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

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

2. The non-transitory, tangible computer readable medium set forth in 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 non-transitory, tangible computer readable medium set forth in claim 2, wherein the first transaction authorization computer is operable to cause the operation of the cash dispenser automatically without remote human service provider input.

4. The non-transitory, tangible computer readable medium set forth in claim 3, wherein the processor is coupled with an audio input device and an audio output device;

and

wherein the instructions are operable to enable audio communication through the second transaction authorization computer with a human service provider adjacent thereto.

5. The non-transitory, tangible computer readable medium set forth in claim 4, wherein the processor is associated with a camera having a field of view adjacent to the automated banking machine;

and

wherein the camera is in operative connection with the processor;

wherein the camera is configured to capture images of a user at the automated banking machine; and

wherein the instructions are operable to enable video communication through the second transaction authorization computer with a human service provider adjacent thereto.

6. The non-transitory, tangible computer readable medium set forth in claim 5, the instructions are further operable 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 the threshold.

7. The non-transitory, tangible computer readable medium set forth in 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 processor;

and

wherein the instructions are operable to enable data read through operation of the driver'"'"'s license reader to be received at the second transaction authorization computer.

8. The non-transitory, tangible computer readable medium set forth in claim 6, wherein the automated banking machine includes a printer, wherein the printer is in operative connection with the processor;

and

wherein responsive at least in part to the transaction amount being below the threshold, the instructions are operable to cause the printer to print a receipt for the transaction amount responsive at least in part to the authorization from the first transaction authorization computer.

9. The non-transitory, tangible computer readable medium set forth in claim 6, wherein the automated banking machine includes a printer, wherein the printer is in operative connection with the processor;

and

wherein responsive at least in part to the transaction amount being at least the threshold, the instructions are operable to cause the printer is to print a receipt for at least a portion of the transaction amount responsive at least in part to the authorization from the second transaction authorization computer.

10. The non-transitory, tangible computer readable medium set forth in 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;

and

wherein the audio input device, audio output device and camera are each in operative connection with the processor;

wherein the instructions are operable 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 the threshold.

11. The non-transitory, tangible computer readable medium set forth in claim 1, wherein the automated banking machine includes a printer, wherein the printer is in operative connection with the processor;

and

wherein responsive at least in part to the transaction amount being at least the threshold, the instructions are operable to cause the printer to print a receipt for at least a portion of the transaction amount responsive at least in part to the authorization received from the second transaction authorization computer.

12. The non-transitory, tangible computer readable medium set forth in claim 1, wherein the first transaction authorization computer operates automatically;

and

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

13. The non-transitory, tangible computer readable medium set forth in claim 12, wherein the instructions are operable to enable communication between the automated banking machine and the remote teller terminal responsive at least in part to a malfunction of the 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 input device.

14. A method, comprising:

determining a financial account on which a transaction is authorized to be conducted through operation of an automated banking machine;

causing the financial account to be assessed an amount corresponding to a transaction amount input through an input device; and

causing a cash dispenser associated with the automated banking machine to dispense a cash amount corresponding to the transaction amount;

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

wherein responsive at least in part to the transaction amount being at least the threshold;

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

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

15. The method set forth in claim 14, 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.

16. The method set forth in claim 15, wherein the first transaction authorization computer is operable to cause the operation of the cash dispenser automatically without remote human service provider input.

17. The method set forth in claim 16, wherein the automated banking machine is coupled with an audio input device and an audio output device;

and

wherein the instructions are operable to enable audio communication through the second transaction authorization computer with a human service provider adjacent thereto.

18. The method set forth in claim 17, wherein the automated banking machine further includes a driver'"'"'s license reader, wherein the driver'"'"'s license reader is in operative connection with the processor, the method further comprising:

reading driver'"'"'s license data read through operation of the driver'"'"'s license reader; and

transmitting the driver'"'"'s license data to the second transaction authorization computer.

19. The method set forth in claim 14, wherein the first transaction authorization computer operates automatically;

and

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

20. The method set forth in claim 19, further comprising enabling communication between the automated banking machine and the remote teller terminal responsive at least in part to a malfunction of the 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 input device.