Banking system controlled responsive to data bearing records

• US 9,824,546 B2
• Filed: 09/16/2014
• Issued: 11/21/2017
• Est. Priority Date: 12/20/2005
• Status: Active Grant

• Current Assignee: Diebold Nixdorf, Incorporated
• Original Assignee: Diebold Nixdorf, Incorporated
• Inventors: Crews, Timothy, Ramachandran, Natarajan, Hartman, Joseph, Motz, Raymond P., Konecny, Anne E., Steinbach, Klaus
• Primary Examiner(s): Mikels, Matthew
• Application Number:
  US14/487,763
• Publication Number:
  US 20150006380A1
• Time in Patent Office: 1,162 Days
• Field of Search: 235375, 235379, 235380, 705 5, 705 35- 45
• CPC Class Codes: G06F 3/0488 using a touch-screen or digitiser, e.g. input of commands through traced gestures
• CPC Class Codes: G06Q 20/1085 involving automatic teller machines [ATMs]
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/382 insuring higher security of transaction
• 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 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03
• CPC Class Codes: G07F 19/20 Automatic teller machines [ATMs]
• 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 19/205 Housing aspects of ATMs

Abstract

A card actuated automated banking machine (10) is operative to carry out financial transactions responsive to data included on user cards. The banking machine includes a user interface (15) including a display (24). The user interface includes a card reader (16) which is operative to read data on user cards which identify at least one of user and a user'"'"'s financial accounts. A fascia of the machine includes a keypad (404, 438, 458) through which users input confidential data. Covers (400, 422, 430) prevent unauthorized persons from viewing confidential inputs to the keypad. Authorization signals assure that the display is operating in a manner that provides appropriate user instructions. A visual indicator is operative to indicate to a user that keypad inputs are being encrypted. Alternatively a touch screen display module (608) is operative to securely receive manual inputs and/or card data.

Claims

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

obtain user data from a data reader;

determine that the user data read corresponds to an authorized financial account;

obtain an input from an input surface of a touch screen display;

wherein the input is received responsive at least in part to contact with at least one area of the input surface of the touch screen display,

wherein the input includes a character that is drawn on the input surface via finger contact with the input surface of the touch screen display,

wherein the at least one area does not include any visible output indicia that corresponds to the before contact, and

determine an input character resolved from the character that is drawn on the input surface;

cause a cash dispenser to operate to dispense cash responsive at least in part to the determination that the user data read corresponds to an authorized financial account and the input;

cause the authorized financial account corresponding to the user data to be assessed a value associated with the cash dispensed.

2. The tangible, non-transitory computer readable medium according to claim 1, wherein the contact includes a stylus contact.

3. The non-transitory computer readable medium according to claim 1, wherein the input character includes an alphanumeric character, wherein the alphanumeric character corresponds to one of a group consisting of a number and a letter drawn via finger contact with the input surface of the touch screen display.

4. The non-transitory computer readable medium according to claim 1, the instructions are further operable to cause signals usable to produce audio outputs corresponding to the input character to be output through an audio output port.

5. The non-transitory computer readable medium according to claim 1, wherein the input includes a personal identification number, and wherein the input character corresponds to at least a portion of the personal identification number.

6. The non-transitory computer readable medium according to claim 1, wherein the input character corresponds to the value associated with the cash dispensed.

7. The non-transitory computer readable medium according to claim 1, wherein the instructions are further operable to receive the input character received from the touch screen display is encrypted.

8. The non-transitory computer readable medium according to claim 1, wherein the instructions are further operable to cause the input surface to change contour.

9. The non-transitory computer readable medium according to claim 1, the instructions are further operable to produce image data corresponding to a check scanned through operation of a check scanner.

10. A non-transitory computer readable medium of instructions comprising instructions encoded thereon for execution by a processor and when executed operable to:

obtain user data from a data reader;

determine that the user data read corresponds to a financial account;

obtain an input provided through the input surface of a touch screen display,

wherein the input corresponds to at least one alphanumeric character that is drawn on the input surface of the touch screen display via finger contact, and

wherein the alphanumeric character corresponds to one of a group consisting of a plurality of concurrent finger contacts with the input surface, and a character drawn via finger contact with the input surface, and

resolve a drawn input received via the input surface to determine the alphanumeric character, and

cause the alphanumeric character resolved to be used in a financial transaction that involves the financial account;

cause operation of a transaction function device involving a financial instrument, wherein the financial instrument has an associated financial value; and

cause, the financial value of the financial instrument to be one of a group consisting of credited and assessed to the financial account.

11. The non-transitory computer readable medium according to claim 10, the instructions are further operable to cause the touch screen display not to include any visible output indicia that corresponds to the alphanumeric character prior to receipt of the at least one input by the touch screen display.

12. A non-transitory computer readable medium of instructions comprising instructions encoded thereon for execution by a processor and when executed operable to:

output a plurality of numeric characters in a sequence on a touch screen display until the predefined finger movement is no longer detected responsive to detecting a predefined finger movement on an input surface of a touch screen display; and

determine that a numerical value is a last numerical value output on the touch screen display when the predefined finger movement is no longer detected;

use the at least one of the plurality of numeric character in carrying a financial transaction that involves a financial account identified through use of user data obtained by a data reader.

13. The non-transitory computer readable medium according to claim 12, wherein the touch screen display is operable to receive character input via a character drawn by finger contact with the input surface while the input surface is absent any visible indicia that corresponds to the character, and

wherein the at instructions are further operable to resolve an alphanumeric character from the character input.

14. The non-transitory computer readable medium according to claim 13, wherein the touch screen display is operable to receive numerical input via a numeral drawn by finger contact with the input surface while the input surface is absent any visible indicia that corresponds to the numeral,

wherein the instructions are further operable to resolve a numerical value from the numerical input.

15. The non-transitory computer readable medium according to claim 13, wherein the touch screen display is operable to receive letter input via a letter drawn by finger contact with the input surface while the input surface is absent any visible indicia that corresponds to the letter,

wherein the instructions are further operable to resolve a letter from the letter input.

16. The non-transitory computer readable medium according to claim 12, wherein the touch screen display is operable to receive numerical input via a number of concurrent finger contacts with the input surface,

wherein the instructions are further operable to resolve a numerical value from the numerical input.

17. The non-transitory computer readable medium according to claim 12, wherein the touch screen display is operable to receive numerical input via a number of fingers simultaneously contacting the input surface,

wherein the instructions are further operable to resolve a numerical value from the numerical input.