Automated banking machine with remote user assistance
First Claim
Patent Images
1. A non-transitory, tangible computer readable medium having instructions encoded thereon for execution by a processor and when executed operable to:
- cause a determination to be made that card data read through operation of a card reader at an automated banking machine corresponds to a financial account on which a transaction is authorized to be conducted through operation of the machine, and responsive at least in part to the determination;
cause a financial transfer comprising one of a group consisting of to and from the financial account, and cause a transaction function device to carry out the operation in connection with the transaction;
employ an audio input device and an audio output device associated with the automated banking machine to audio communication with a remote service provider station responsive at least in part to a user input received by an input device from a user;
wherein responsive at least in part to a further user input received through the input device, enable the remote service provider station and a mobile wireless device associated with the user at the automated banking machine to be placed in video and audio communication;
employ a camera associated with the automated banking machine to cause the automated banking machine and the remote service provider station to be in video and audio communication;
responsive at least in part to the of a disconnection input received at the input device, and the communication from the mobile wireless device to cause the remote service provider station and the machine to no longer be in video and audio communication; and
cause the mobile wireless device and the remote service provider station to remain in video and audio communication after the remote service provider station and the automated banking machine are no longer in video and audio communication.
23 Assignments
0 Petitions
Accused Products
Abstract
In an example embodiment, an automated banking machine that allows a customer to employ a mobile wireless device for performing banking transactions. The customer may request assistance from a teller or other bank personnel at a remote location. An audio, and optionally video, communication may be initiated between the remote location and the customer. The customer may use either the automated banking machine, mobile wireless device, or both for communicating with the remote location.
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Citations
18 Claims
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1. A non-transitory, tangible computer readable medium having instructions encoded thereon for execution by a processor and when executed operable to:
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cause a determination to be made that card data read through operation of a card reader at an automated banking machine corresponds to a financial account on which a transaction is authorized to be conducted through operation of the machine, and responsive at least in part to the determination; cause a financial transfer comprising one of a group consisting of to and from the financial account, and cause a transaction function device to carry out the operation in connection with the transaction; employ an audio input device and an audio output device associated with the automated banking machine to audio communication with a remote service provider station responsive at least in part to a user input received by an input device from a user; wherein responsive at least in part to a further user input received through the input device, enable the remote service provider station and a mobile wireless device associated with the user at the automated banking machine to be placed in video and audio communication; employ a camera associated with the automated banking machine to cause the automated banking machine and the remote service provider station to be in video and audio communication; responsive at least in part to the of a disconnection input received at the input device, and the communication from the mobile wireless device to cause the remote service provider station and the machine to no longer be in video and audio communication; and cause the mobile wireless device and the remote service provider station to remain in video and audio communication after the remote service provider station and the automated banking machine are no longer in video and audio communication. - View Dependent Claims (2, 3)
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4. A non-transitory, tangible computer readable medium having instructions encoded thereon for execution by a processor and when executed operable to:
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obtain user card data read from a user card through operation of a card reader associated with an automated banking machine, wherein the user card data corresponds to a financial account; cause a determination to be made that the user 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 automated banking machine, and responsive at least in part to the determination cause a financial transfer of at least one of to and from the financial account, cause a transaction function device to carry out an operation associated with the transaction; 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 each in operative connection with the processor; responsive at least in part to an input through the at least one input device to cause the automated banking machine and a remote service provider station to be in audio communication; wherein the audio communication between the automated banking machine and the remote service provider station includes a continuation of an audio communication session previously commenced between a mobile wireless device and the remote service provider station. - View Dependent Claims (5, 6, 7, 8, 9, 10, 11, 12, 13)
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14. A non-transitory, tangible computer readable medium having instructions encoded thereon for execution by a processor associated with an automated banking machine, and when executed operable to:
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obtain card data through operation of a card reader associated with the automated banking machine; cause a determination to be made that the 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 automated banking machine, responsive at least in part to the determination, a financial transfer at least one of to and from the financial account; cause a transaction function device to carry out an operation associated with the transaction, wherein the automated banking machine includes an audio input device and an audio output device, and an output device that are in operative connection with the processor; cause the automated banking machine to be in audio communication with a remote service provider station; cause an output through the at least one output device, wherein the output is receivable by a mobile wireless device adjacent to the automated banking machine, and wherein the output is operative to enable the mobile wireless device in receipt of the output to be in audio communication with the remote service provider station. - View Dependent Claims (15, 16, 17, 18)
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Specification