Automated teller machine (ATM) providing money for loyalty points
First Claim
1. An automated teller machine (ATM) machine providing financial account access, enabling account withdrawals, and enabling account deposits, said ATM machine comprising:
- a card reader comprising hardware and circuitry for reading information from a set of access card to enable account access of a set of users'"'"' financial accounts, wherein each of the users'"'"' financial accounts comprises an accessible quantity of negotiable funds, wherein access to each of the users'"'"' financial accounts via the ATM machine is restricted to a set of users authorized as having access to respective ones of the users'"'"' financial accounts per successful authentication of information from the respective ones of the access card as read by the card reader;
a screen for displaying options for logging in to the users'"'"' financial accounts, for conducting unattended financial functions, and for conducting unattended non-negotiable account functions, said unattended financial functions comprising financial account access to authorized ones of the users'"'"' financial accounts, withdraws from authorized ones of the users'"'"' financial accounts, deposits into authorized ones of the user'"'"'s financial account, said unattended non-negotiable account functions comprising;
an unattended non-negotiable account function for interactive account access to authorized ones of a set of non-negotiable fund accounts;
at least one of;
an unattended non-negotiable account function for conversions between value stored in authorized ones of the non-negotiable fund accounts and authorized ones of the user'"'"'s financial accounts; and
an unattended non-negotiable account function for withdrawals of negotiable funds resulting from ATM machine conversions of a quantity of non-negotiable funds in authorized ones of the non-negotiable fund accounts into paper currency;
wherein each of the non-negotiable fund accounts consists of a quantity of non-fungible, non-negotiable units of exchange provided by an entity to an authorized account holder;
machine-to-user interaction mechanisms enabling humans to interact with theATM machine to conduct the unattended financial functions and to conduct the unattended non-negotiable account functions;
circuitry for conducting the unattended financial functions and for conducting the unattended non-negotiable account functions, said unattended non-negotiable account functions comprising;
an unattended non-negotiable account function for converting a first quantity of loyalty program points of a loyalty program possessed by the member held in a first account of the non-negotiable fund accounts to a second quantity of different loyalty program points possessed by the member held in a second account of the non-negotiable fund accounts, wherein the loyalty program is a loyalty program of an entity, wherein the different loyalty program is a different loyalty program of a commerce partner, wherein the entity and the commerce partner are different legal entities and are not parent or subsidiary entities of each other, wherein the converting is explicitly permitted by terms of a mutual agreement established between the entity and the commerce partner;
a bill presenter comprising hardware and circuitry for dispensing paper currency;
responsive to withdrawals per the unattended financial functions; and
responsive to withdrawals per the unattended non-negotiable account functions.
1 Assignment
0 Petitions
Accused Products
Abstract
An automated teller (ATM) machine providing unattended financial functions comprising financial account access to authorized ones of the users'"'"' financial accounts, withdraws from authorized ones of the users'"'"' financial accounts, deposits into authorized ones of the user'"'"'s financial account. The ATM also provides unattended non-negotiable account functions including interactive account access to authorized ones of a set of non-negotiable fund accounts, conversions between value stored in authorized ones of the non-negotiable fund accounts and authorized ones of the user'"'"'s financial accounts, and/or withdrawals of negotiable funds resulting from ATM machine conversions of a quantity of non-negotiable funds in authorized ones of the non-negotiable fund accounts into paper currency.
1278 Citations
20 Claims
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1. An automated teller machine (ATM) machine providing financial account access, enabling account withdrawals, and enabling account deposits, said ATM machine comprising:
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a card reader comprising hardware and circuitry for reading information from a set of access card to enable account access of a set of users'"'"' financial accounts, wherein each of the users'"'"' financial accounts comprises an accessible quantity of negotiable funds, wherein access to each of the users'"'"' financial accounts via the ATM machine is restricted to a set of users authorized as having access to respective ones of the users'"'"' financial accounts per successful authentication of information from the respective ones of the access card as read by the card reader; a screen for displaying options for logging in to the users'"'"' financial accounts, for conducting unattended financial functions, and for conducting unattended non-negotiable account functions, said unattended financial functions comprising financial account access to authorized ones of the users'"'"' financial accounts, withdraws from authorized ones of the users'"'"' financial accounts, deposits into authorized ones of the user'"'"'s financial account, said unattended non-negotiable account functions comprising; an unattended non-negotiable account function for interactive account access to authorized ones of a set of non-negotiable fund accounts; at least one of; an unattended non-negotiable account function for conversions between value stored in authorized ones of the non-negotiable fund accounts and authorized ones of the user'"'"'s financial accounts; and an unattended non-negotiable account function for withdrawals of negotiable funds resulting from ATM machine conversions of a quantity of non-negotiable funds in authorized ones of the non-negotiable fund accounts into paper currency; wherein each of the non-negotiable fund accounts consists of a quantity of non-fungible, non-negotiable units of exchange provided by an entity to an authorized account holder; machine-to-user interaction mechanisms enabling humans to interact with the ATM machine to conduct the unattended financial functions and to conduct the unattended non-negotiable account functions; circuitry for conducting the unattended financial functions and for conducting the unattended non-negotiable account functions, said unattended non-negotiable account functions comprising; an unattended non-negotiable account function for converting a first quantity of loyalty program points of a loyalty program possessed by the member held in a first account of the non-negotiable fund accounts to a second quantity of different loyalty program points possessed by the member held in a second account of the non-negotiable fund accounts, wherein the loyalty program is a loyalty program of an entity, wherein the different loyalty program is a different loyalty program of a commerce partner, wherein the entity and the commerce partner are different legal entities and are not parent or subsidiary entities of each other, wherein the converting is explicitly permitted by terms of a mutual agreement established between the entity and the commerce partner; a bill presenter comprising hardware and circuitry for dispensing paper currency; responsive to withdrawals per the unattended financial functions; and responsive to withdrawals per the unattended non-negotiable account functions. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8)
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9. A kiosk providing financial account access, enabling account withdrawals, and enabling account deposits, said kiosk comprising:
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a screen for displaying options for logging in to the users'"'"' financial accounts, for conducting unattended financial functions, and for conducting unattended non-negotiable account functions, said unattended financial functions comprising financial account access to authorized ones of the users'"'"' financial accounts, withdraws from authorized ones of the users'"'"' financial accounts, deposits into authorized ones of the user'"'"'s financial account, said unattended non-negotiable account functions comprising; an unattended non-negotiable account function for interactive account access to authorized ones of a set of non-negotiable fund accounts; and at least one of; an unattended non-negotiable account function for conversions between value stored in authorized ones of the non-negotiable fund accounts and authorized ones of the user'"'"'s financial accounts; and an unattended non-negotiable account function for withdrawals of negotiable funds resulting from kiosk conversions of a quantity of non-negotiable funds in authorized ones of the non-negotiable fund accounts into paper currency; wherein each of the non-negotiable fund accounts consists of a quantity of non-fungible, non-negotiable units of exchange provided by an entity to an authorized account holder; machine-to-user interaction mechanisms enabling humans to interact with the kiosk to conduct the unattended financial functions and to conduct the unattended non-negotiable account functions; circuitry for conducting the unattended financial functions and for conducting the unattended non-negotiable account functions, one of the unattended non-negotiable account functions comprising; an unattended non-negotiable account function for converting a first quantity of loyalty program points of a loyalty program possessed by the member held in a first account of the non-negotiable fund accounts to a second quantity of different loyalty program points possessed by the member held in a second account of the non-negotiable fund accounts, wherein the loyalty program is a loyalty program of an entity, wherein the different loyalty program is a different loyalty program of a commerce partner, wherein the entity and the commerce partner are different legal entities and are not parent or subsidiary entities of each other, wherein the converting is explicitly permitted by terms of a mutual agreement established between the entity and the commerce partner. - View Dependent Claims (10, 11, 12, 13, 14, 15, 16, 17)
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18. A conversion agency server for converting non-negotiable funds into the negotiable funds, said conversion agency server comprising
circuitry for conducting unattended financial functions, and for conducting unattended non-negotiable account functions, said unattended financial functions comprising financial account access to authorized ones of the users'"'"' financial accounts, withdraws from authorized ones of the users'"'"' financial accounts, deposits into authorized ones of the user'"'"'s financial account, one of the unattended non-negotiable account functions comprising: -
an unattended non-negotiable account function for converting a first quantity of loyalty program points of a loyalty program possessed by the member held in a first account of the non-negotiable fund accounts to a second quantity of different loyalty program points possessed by the member held in a second account of the non-negotiable fund accounts, wherein the loyalty program is a loyalty program of an entity, wherein the different loyalty program is a different loyalty program of a commerce partner, wherein the entity and the commerce partner are different legal entities and are not parent or subsidiary entities of each other, wherein the converting is explicitly permitted by terms of a mutual agreement established between the entity and the commerce partner; said unattended non-negotiable account functions further comprising; an unattended non-negotiable account function for interactive account access to authorized ones of a set of non-negotiable fund accounts; and at least one of; an unattended non-negotiable account function for conversions between value stored in authorized ones of the non-negotiable fund accounts and authorized ones of the user'"'"'s financial accounts; and an unattended non-negotiable account function for withdrawals of negotiable funds resulting from kiosk conversions of a quantity of non-negotiable funds in authorized ones of the non-negotiable fund accounts into paper currency; wherein each of the non-negotiable fund accounts consists of a quantity of non-fungible, non-negotiable units of exchange provided by an entity to an authorized account holder. - View Dependent Claims (19, 20)
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Specification