Automated banking machine system using Internet address customer input

• US 20030217004A1
• Filed: 03/17/2003
• Published: 11/20/2003
• Est. Priority Date: 11/27/1996
• Status: Active Grant

• Current Assignee: Diebold Nixdorf, Incorporated
• Original Assignee: Diebold Incorporated (Diebold Nixdorf, Incorporated)
• Inventors: Drummond, Jay Paul, Blackson, Dale, Smith, Mark D., Weis, David W., Cichon, Bob A., Moales, Mark A., Covert, Mark S., Ess, Joseph C., Church, James
• Granted Patent: US 7,251,631 B2
• Time in Patent Office: Days
• US Class Current: 705/43
• 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 20/108 Remote banking, e.g. home banking
• 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 20/202 Interconnection or interaction of plural electronic cash registers [ECR] or to host computer, e.g. network details, transfer of information from host to ECR or from ECR to ECR
• 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: 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 63/0861 using biometrical features, e.g. fingerprint, retina-scan cryptographic mechanisms or cryptographic arrangements for entity authentication using biological data H04L9/3231
• CPC Class Codes: H04L 63/12 Applying verification of the received information cryptographic mechanisms or cryptographic arrangements for data integrity or data verification H04L9/32
• 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 67/563 : Data redirection of data network streams
• CPC Class Codes: H04L 67/565 : Conversion or adaptation of application format or content adding application control or application functional data H04L67/561
• 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 69/40 : for recovering from a failure of a protocol instance or entity, e.g. service redundancy protocols, protocol state redundancy or protocol service redirection management of faults, events, alarms or notifications in data switching networks H04L41/06
• CPC Class Codes: H04L 9/40 : Network security protocols

Abstract

An automated banking machine (12) is operative to conduct transactions in response to HTML documents and TCP/IP messages exchanged with a local computer system (14) through an intranet (16), as well as in response to messages exchanged with foreign servers (20, 22, 24, 26, 28, 96) in a wide area network (18). The banking machine includes a computer (34) having an HTML document handling portion (76, 80, 82). The HTML document handling portion is operative to communicate through a proxy server (88), with a home HTTP server (90) in the intranet or the foreign servers in the wide area network. The computer further includes a device application portion (84) which interfaces with the HTML document handling portion and dispatches messages to operate devices (36) in the automated banking machine. The devices include a sheet dispenser mechanism (42) which dispenses currency as well as other transaction devices. The device application portion communicates with a device interfacing software portion (64) in the banking machine through a device server (92) in the intranet. The device server maintains local control over the devices in the banking machine including the sheet dispenser. The banking machine operates to read indicia on the user'"'"'s card corresponding to a system address. The computer is operative to connect the banking machine to the home or foreign server corresponding to the system address, which connected server operates the banking machine until the completion of transactions by the user.

Claims

1. Apparatus comprising:

an automated transaction machine including;

a card reader device, wherein the card reader device is operative to read card data from cards input by users of the machine;

a computer in operative connection with the card reader device; and

software executable in the computer, wherein the software is operative to generate an HTTP address and to operate the computer to access the address responsive to the card data.

2. The apparatus according to claim 1 and further comprising:

an HTTP server in operative connection with a data store, and wherein the HTTP server is in operative connection with the computer, and a plurality of records in the data store accessible by the server, and wherein responsive to input of a card into the card reader device the HTTP address generated by the computer corresponds to a first record, wherein the first record includes user information uniquely corresponding to the card input by the user.

3. The apparatus according to claim 2 wherein the user information includes information which uniquely identifies the user.

4. The apparatus according to claim 2 wherein the user information includes information corresponding to biometric data of the user.

5. The apparatus according to claim 2 wherein the transaction machine further includes an input device, wherein the input device is operative to accept a user input, and wherein the computer is operative to compare information in the first record to the user input to the input device.

6. The apparatus according to claim 5 wherein the input device includes a keyboard.

7. The apparatus according to claim 5 wherein the input device includes a biometric reader.

8. The apparatus according to claim 5 wherein the apparatus further comprises a sheet dispenser in operative connection with the computer, and wherein the sheet dispenser is operative to dispense a sheet responsive to the user input to the input device corresponding to the user information in the first document.

9. The apparatus according to claim 1 wherein the machine further includes a plurality of transaction devices, and a data store, wherein the data store includes device data representative of the transaction devices, and wherein the address is generated responsive to the card data and the device data.

10. The apparatus according to claim 1 wherein the machine includes a clock device, and wherein the address is generated responsive to the card data and the clock device.

11. The apparatus according to claim 1 and further comprising an output device in the machine in operative connection with the computer, and wherein the software in the computer includes a browser, and wherein software in the computer is operative to cause the browser to access a first HTML document responsive to the user information in the first record.

12. The apparatus according to claim 11 wherein the information in the first record includes data representative of customer preference data, and wherein the first document is accessed responsive to the customer preference data.

13. Apparatus comprising:

an automated transaction machine including;

a biometric input device, wherein the biometric input device is operative to receive a biometric input from a user of the machine;

a computer in operative connection with the biometric input device; and

software executable in the computer, wherein the software is operative to generate an HTTP address and to access the address with the computer responsive to the input.

14. The apparatus according to claim 13 wherein the software in the computer includes a browser, and further comprising:

a sheet dispenser in operative connection with the computer; and

a server in operative connection with the browser, and a first HTML document accessible through the server, wherein the first document is accessible at the address, and wherein the first document includes user information, and wherein the sheet dispenser is operative to dispense a sheet responsive to the input corresponding to the user information in the first document.

15. The apparatus according to claim 13 and further comprising:

a sheet dispenser in operative connection with the computer; and

an HTTP server in operative connection with the computer, a first record accessible through the server, and wherein the first record includes user information, and wherein the sheet dispenser is operative to dispense a sheet responsive to the input corresponding to user information in the first record.

16. A method comprising the steps of:

a) reading indicia associated with a user with reading device in an automated transaction machine

b) responsive to the indicia read in step (a) generating an HTTP address with a computer in the machine

c) accessing user data corresponding to the read indicia from an HTTP record corresponding to the address

17. The method according to claim 16 and further comprising the steps of:

d) inputting a user input through an input device on the machine;

e) comparing data representative of the user input and the user data accessed in step (c) for correspondence; and

f) operating a transaction function device on the machine responsive to determining in step (e) correspondence between the user input and user data

18. The method according to claim 16 wherein the user data accessed in step (c) includes user preference data representative of at least one preference of the user, and further comprising the step of:

d) accessing at least one of a plurality of HTML documents with a browser operating in the computer, wherein the one document is selectively accessed responsive to the user preference data.

19. The method according to claim 16 wherein the user data accessed in step (c) includes user affiliation data representative of at least one affiliation of the user, and further comprising the step of:

d) accessing at least one of a plurality of HTML documents with a browser operating in the computer, wherein the one document is selectively accessed responsive to the affiliation data

20. The method according to claim 16 and further comprising the step of:

d) generating an HTML document responsive to the user data