Automated banking machine that operates responsive to data bearing records

• US 9,679,278 B2
• Filed: 12/17/2013
• Issued: 06/13/2017
• Est. Priority Date: 11/27/1996
• Status: Active Grant

• Current Assignee: Diebold Nixdorf, Incorporated
• Original Assignee: Diebold Self-Service Systems (Diebold Nixdorf, Incorporated)
• Inventors: Drummond, Jay Paul, Smith, Mark D., Meffie, Michael A., Wasil, Daniel D.
• Primary Examiner(s): WALSH, DANIEL I
• Application Number:
  US14/108,669
• Publication Number:
  US 20140108245A1
• Time in Patent Office: 1,274 Days
• CPC Class Codes: G06F 16/95 Retrieval from the web
• CPC Class Codes: G06F 3/023 Arrangements for converting discrete items of information into a coded form, e.g. arrangements for interpreting keyboard generated codes as alphanumeric codes, operand codes or instruction codes
• CPC Class Codes: G06F 3/04895 Guidance during keyboard input operation, e.g. prompting
• CPC Class Codes: G06Q 20/00 Payment architectures, schemes or protocols apparatus for performing or posting payment transactions G07F7/08, G07F19/00; electronic cash registers G07G1/12
• CPC Class Codes: G06Q 20/042 characterized in that the payment protocol involves at least one cheque
• CPC Class Codes: G06Q 20/047 using payment protocols involving electronic receipts
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/1085 involving automatic teller machines [ATMs]
• CPC Class Codes: G06Q 20/18 involving self-service terminals [SST], vending machines, kiosks or multimedia terminals
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 30/06 Buying, selling or leasing transactions
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: G07F 19/20 Automatic teller machines [ATMs]
• CPC Class Codes: G07F 19/201 Accessories of ATMs
• CPC Class Codes: G07F 19/206 Software aspects at ATMs
• CPC Class Codes: G07F 19/211 Software architecture within ATMs or in relation to the ATM network
• CPC Class Codes: G07G 5/00 Receipt-giving machines cash registers giving receipts G07G1/00
• CPC Class Codes: H04L 63/0853 using an additional device, e.g. smartcard, SIM or a different communication terminal cryptographic mechanisms or cryptographic arrangements for entity authentication involving additional secure or trusted devices H04L9/3234
• CPC Class Codes: H04L 67/02 based on web technology, e.g. hypertext transfer protocol [HTTP]
• CPC Class Codes: H04L 67/12 specially adapted for proprietary or special-purpose networking environments, e.g. medical networks, sensor networks, networks in vehicles or remote metering networks
• CPC Class Codes: H04L 67/34 : involving the movement of software or configuration parameters network booting or remote initial program loading [RIPL] G06F9/4416
• CPC Class Codes: H04L 67/568 : Storing data temporarily at an intermediate stage, e.g. caching
• CPC Class Codes: H04L 69/329 : in the application layer [OSI layer 7]
• CPC Class Codes: H04L 9/40 : Network security protocols

Abstract

A banking system controlled responsive to data bearing records includes a card reader that can read identifying data from user cards. The system can authorize operation of an automated banking machine responsive to the read data. The system can provide an electronic transaction receipt to the machine user. A bank computer is operable to submit the receipt to a system address on record with the bank. The address can correspond to an e-mail address, phone number, or other address associated with an account involved in the transaction. The receipt can also include an image associated with the transaction. The system cal also operate to image a check deposited at the machine, and then electronically send the image to the check maker, the payee, and/or a clearinghouse.

Claims

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

obtain data representative of a user requesting to perform a financial transaction at an automated banking machine from a transaction host;

determine a financial account associated with the user for performing the financial transaction;

perform the financial transaction via the transaction host;

communicate with a remotely located server system that is on a communication path that is independent of a communication path with the transaction host and wherein the server has access to a data store that associates an account and a customer network address for customers of a financial institution who are to receive electronic records of transactions involving their accounts, wherein the customer network address is usable to sending to the user an electronic record of the financial transaction;

receive from the remotely located server system a response message that indicates the user is to receive from the server an electronic record of the financial transaction; and

send a message that comprises transaction receipt data to the remote server system that causes the remote server to send an electronic receipt to an electronic address associated with the user responsive to the response message indicating that the user is to receive an electronic record of the financial transaction;

wherein the receipt comprises data representative of the financial transaction;

wherein the data representative of the financial transaction comprises a link to an image related to the transaction; and

wherein the link to the image is to an image of the user.

2. The computer readable medium set forth in claim 1, the instructions further operable to:

send a first message to a remote server with data representative of the user; and

receive a response from the remote server, the response comprising data indicating the user desires the electronic receipt;

wherein the data representative of the financial transaction is sent to the remote host to cause the electronic receipt to be sent to the electronic address associated with the user.

3. The computer readable medium set forth in claim 1, the instructions further operable to receive from a user interface associated with the automated banking machine data representative of the electronic address;

wherein the wherein the data representative of the financial transaction and the electronic address are sent to a remote host to cause the electronic receipt to be sent to the electronic address associated with the user.

4. The computer readable medium set forth in claim 1, the instructions are further operable to obtain data representative of an image for an item deposited at the automated banking machine;

wherein the electronic receipt further comprises data representative of the image for the item deposited at the automated banking machine.

5. The computer readable medium set forth in claim 1, wherein the electronic address associated with the user is selected from a group consisting of a telephone number, a text message address, an e-mail address, an Internet address, a portable communication device address, a portable computer address, and a home computer address.

6. The computer readable medium set forth in claim 1, wherein the electronic receipt is selected from a group consisting of an audio message, a text message, and an e-mail message.

7. The computer readable medium set forth in claim 1, wherein the instructions are further operable to:

operate a user interface to request the user input data indicating whether the user desires an electronic receipt; and

operate a user interface to request a user input a telephone number responsive to receiving user input data indicating the user desires an electronic receipt.

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

obtain data representative of a user requesting to perform a financial transaction at an automated banking machine;

obtain card data for the user;

determine a financial account associated with the user for performing the financial transaction from a transaction host;

perform the financial transaction via the transaction host;

communicate with a remotely located server system that in on a communication path that is independent of a communication path with the transaction host and wherein the server has access to a data store that associates an account and a customer network address for customers of a financial institution who are to receive electronic records of transactions involving their accounts, wherein the customer network address is usable to sending to the user an electronic record of the financial transaction;

receive from the remotely located server system a response message that indicates the user is to receive from the server an electronic record of the financial transaction; and

send a message to the remote server system that comprises transaction receipt data that causes the remote server to send an electronic receipt to an electronic address associated with the user responsive to the response message indicating that the user is to receive an electronic record of the financial transaction;

wherein the receipt comprises data representative of the financial transaction;

wherein the data representative of the financial transaction comprises a link to an image related to the transaction; and

wherein the link to the image is to an image of the card.

9. The computer readable medium set forth in claim 8, the instructions further operable to:

send a first message to a remote server with data representative of the user; and

receive a response from the remote server, the response comprising data indicating the user desires the electronic receipt;

wherein the data representative of the financial transaction is sent to the remote host to cause the electronic receipt to be sent to the electronic address associated with the user.

10. The computer readable medium set forth in claim 8, the instructions further operable to receive from a user interface associated with the automated banking machine data representative of the electronic address;

wherein the wherein the data representative of the financial transaction and the electronic address are sent to a remote host to cause the electronic receipt to be sent to the electronic address associated with the user.

11. The computer readable medium set forth in claim 8, the instructions are further operable to obtain data representative of an image for an item deposited at the automated banking machine;

wherein the electronic receipt further comprises data representative of the image for the item deposited at the automated banking machine.

12. The computer readable medium set forth in claim 8, wherein the electronic address associated with the user is selected from a group consisting of a telephone number, a text message address, an e-mail address, an Internet address, a portable communication device address, a portable computer address, and a home computer address.

13. The computer readable medium set forth in claim 8, wherein the electronic receipt is selected from a group consisting of an audio message, a text message, and an e-mail message.

14. The computer readable medium set forth in claim 8, wherein the instructions are further operable to:

operate a user interface to request the user input data indicating whether the user desires an electronic receipt; and

operate a user interface to request a user input a telephone number responsive to receiving user input data indicating the user desires an electronic receipt.

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

obtain data representative of a user requesting to perform a financial transaction at an automated banking machine;

determine a financial account associated with the user for performing the financial transaction from a transaction host;

perform the financial transaction via the transaction host;

communicate with a remotely located server system that is on a communication path that is independent of a communication path with the transaction host and wherein the server has access to a data store that associates an account and a customer network address for customers of a financial institution who are to receive electronic records of transactions involving their accounts, wherein the customer network address is usable to sending to the user an electronic record of the financial transaction;

receive from the remotely located server system a response message that indicates the user is to receive from the server an electronic record of the financial transaction; and

send a message that comprises transaction receipt data to the remote server system that causes the remote server to send an electronic receipt to an electronic address associated with the user responsive to the response message indicating that the user is to receive an electronic record of the financial transaction;

wherein the receipt comprises data representative of the financial transaction; and

wherein the data representative of the financial transaction comprises one of a group consisting of a link to an audio file related to the transaction and a link to a video file related to the transaction.

16. The computer readable medium set forth in claim 15, the instructions further operable to:

send a first message to a remote server with data representative of the user; and

receive a response from the remote server, the response comprising data indicating the user desires the electronic receipt;

wherein the data representative of the financial transaction is sent to the remote host to cause the electronic receipt to be sent to the electronic address associated with the user.

17. The computer readable medium set forth in claim 15, the instructions further operable to receive from a user interface associated with the automated banking machine data representative of the electronic address;

wherein the wherein the data representative of the financial transaction and the electronic address are sent to a remote host to cause the electronic receipt to be sent to the electronic address associated with the user.

18. The computer readable medium set forth in claim 15, the instructions are further operable to obtain data representative of an image for an item deposited at the automated banking machine;

wherein the electronic receipt further comprises data representative of the image for the item deposited at the automated banking machine.

19. The computer readable medium set forth in claim 15, wherein the electronic address associated with the user is selected from a group consisting of a telephone number, a text message address, an e-mail address, an Internet address, a portable communication device address, a portable computer address, and a home computer address.

20. The computer readable medium set forth in claim 15, wherein the electronic receipt is selected from a group consisting of an audio message, a text message, and an e-mail message.

21. The computer readable medium set forth in claim 15, wherein the instructions are further operable to:

operate a user interface to request the user input data indicating whether the user desires an electronic receipt; and

operate a user interface to request a user input a telephone number responsive to receiving user input data indicating the user desires an electronic receipt.