Cardless automated teller transactions

• US 6,286,756 B1
• Filed: 02/28/2000
• Issued: 09/11/2001
• Est. Priority Date: 02/06/1997
• Status: Expired due to Fees

• Current Assignee: ATC Realty Fifteen Incorporated
• Original Assignee: Innoventry Corporation
• Inventors: Clower, Dyron, Templer, John W. Jr., Stinson, Michael C.
• Primary Examiner(s): Frech, Karl D.
• Assistant Examiner(s): FRANKLIN, JAMARA ALZAIDA
• Application Number:
  US09/514,574
• Time in Patent Office: 561 Days
• Field of Search: 235/379, 235/380, 235/382, 705/43-45
• US Class Current: 235/379
• 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 20/40145 Biometric identity checks
• CPC Class Codes: G07C 9/253 visually
• CPC Class Codes: G07F 19/20 Automatic teller machines [ATMs]
• CPC Class Codes: G07F 19/202 Depositing operations within ATMs depositing in general G07D11/00
• CPC Class Codes: G07F 7/08 by coded identity card or credit card or other personal identification means without personal verification means G07F7/02
• CPC Class Codes: G07F 7/10 together with a coded signal , e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data

Abstract

A cardless automated financial transaction apparatus includes an input device configured to generate an input signal corresponding to a customer identifier in response to actuation of the input device by a customer, a biometric device configured to receive biometric information about the customer, a storage device including a database of customer information, the customer information including stored biometric information, a connection to a banking network provider, and an electronic processor. The processor is configured to receive the input signals from the input device, receive biometric information from the biometric device, and access the database of customer information in response to the input signals to obtain data about the customer identified by the customer identifier, the data including stored biometric information for the customer. The processor then compares the received biometric information to the stored biometric information, and provides a message to the banking network provider confirming the customer'"'"'s identity when the received biometric information matches the stored biometric information.

Claims

1. An apparatus for providing automated financial transactions without the use of a card, the apparatus comprising:

a user input device to receive a user identifier from a user;

a biometric device to acquire biometric information of the user;

a communication device to communicate with a remote financial services provider;

a storage device including a database of user information, including stored biometric information on the user;

a processor configured to;

access the database to obtain the stored biometric information on the user,

confirm the identity of the user using the acquired biometric information and the stored biometric information on the user and without using information obtained from a card, and

transmit a message to the remote financial services provider confirming the identity of the user when the identity of the user is confirmed.

2. An apparatus as recited in claim 1, further comprising a cash dispenser, wherein the processor is further configured to cause the cash dispenser to dispense cash to the user in response to a message received from the remote financial services provider.

3. An apparatus as recited in claim 1, wherein the financial services provider is a banking provider.

4. An apparatus for providing automated financial transactions without the use of a card, the apparatus comprising:

a user input device to receive a user identifier from a user;

a biometric device to acquire biometric information of the user;

a communication device to communicate with a remote banking provider;

a local storage device including a database of user information, including stored biometric information for each of a plurality of users, including said user;

a cash dispenser; and

a processor configured to;

use the user identifier to access the database to obtain information on the user, including stored biometric information on the user, without using information obtained from a card,

confirm the identity of the user using the acquired biometric information and the stored biometric information on the user and without using information obtained from a card, and

transmit a message to the remote banking provider confirming the identity of the user when the identity of the user is confirmed.

5. An apparatus as recited in claim 4, wherein the processor is further configured to cause the cash dispenser to dispense cash to the user in response to a message received from the remote banking provider.

6. An apparatus for providing automated financial transactions without the use of a card, the apparatus comprising:

means for receiving a user identifier from a user;

means for acquiring biometric information of the user;

means for communicating with a remote financial services provider;

means for locally storing a database of user information, including stored biometric information on the user;

means for accessing the database to obtain the stored biometric information on the user,

means for confirming the identity of the user using the acquired biometric information and the stored biometric information on the user and without using information obtained from a card, and

means for transmitting a message to the remote financial services provider confirming the identity of the user when the identity of the user is confirmed.

7. An apparatus as recited in claim 6, further comprising:

cash dispensing means for dispensing cash to the user; and

means for causing the cash dispensing means to dispense cash to the user in response to a message received from the remote financial services provider.

8. An apparatus as recited in claim 7, wherein the financial services provider is a banking provider.

9. A method of providing automated financial transactions without the use of a card, the apparatus comprising:

receiving a user identifier from a user;

acquiring biometric information of the user;

communicating with a remote financial services provider;

storing locally a database of user information, including stored biometric information on the user;

accessing the database to obtain the stored biometric information on the user,

confirming the identity of the user using the acquired biometric information and the stored biometric information on the user and without using information obtained from a card, and

transmitting a message to the remote financial services provider confirming the identity of the user when the identity of the user is confirmed.

10. A method as recited in claim 9, further comprising dispensing cash to the user in response to a message received from the remote financial services provider.

11. A method as recited in claim 10, wherein the financial services provider is a banking provider.

12. A retrofit module for configuring an automated banking teller to provide careless automated teller transactions, the automated teller machine having an input device, a card reader, and a cash dispenser, the retrofit module comprising:

an input/output (I/O) port configured to receive an input signal from the automated teller machine, the input signal representing a user identifier received from the user by the user input device of the automated teller machine;

a biometric device to acquire biometric information of the user;

a communication device to communicate with a remote financial services provider;

a local storage device including a database of user information, including stored biometric information on the user;

a processor configured to;

access the user database to obtain the stored biometric information on the user,

confirm the identity of the user using the acquired biometric information and the stored biometric information on the user and without using information obtained from a card, and

output a message at the I/O port indicating the identity of the user has been confirmed when the identity of the user is confirmed.

13. An apparatus for providing automated payroll distribution without the use of a card, the apparatus comprising:

a biometric device to acquire biometric information of a user;

a storage device including a database of user information, including a stored payroll amount for the user;

a cash dispenser; and

a processor configured to;

confirm the identity of the user using the acquired biometric information and without using information obtained from a card, and

if the identity of the user is confirmed, cause the cash dispenser to dispense cash to the user according to the stored payroll amount for the user.

14. An apparatus as recited in claim 13, wherein the database of user information further includes stored biometric information on the user, and wherein the processor is configured to confirm the identity of the user using the stored biometric information and the acquired biometric information.

15. An apparatus as recited in claim 13, wherein the database of user information includes stored payroll amounts for each of a plurality of users.

16. An apparatus as recited in claim 15, wherein the database of user information includes stored biometric information for each of a plurality of users.

17. An apparatus as recited in claim 13, further comprising a user input device to receive a user identifier from the user, wherein the processor is configured to locate the stored biometric information on the user using the user identifier.

18. An apparatus for providing automated payroll distribution without the use of a card, the apparatus comprising:

a user input device to receive a user identifier from a user;

a biometric device to acquire biometric information of the user;

a local storage device including a database of user information, including stored biometric information and a stored payroll amount for each of a plurality of users, including said user;

a cash dispenser; and

a processor configured to;

access the stored biometric information using the user identifier,

confirm the identity of the user using the acquired biometric information and the stored biometric information for the user and without using information obtained from a card, and

if the identity of the user is confirmed, cause the cash dispenser to dispense cash to the user in an amount based on the stored payroll amount for the user.

19. An apparatus for providing automated payroll distribution without the use of a card, the method comprising:

means for acquiring biometric information of a user;

means for storing locally a database of user information, including a stored payroll amount for the user;

means for confirming the identity of the user using the acquired biometric information and without using information obtained from a card; and

means for dispensing cash to the user according to the stored payroll amount for the user if the identity of the user is confirmed.

20. An apparatus as recited in claim 19, wherein the database of user information further includes stored biometric information on the user, and wherein said means for confirming comprises means for confirming the identity of the user using the stored biometric information and the acquired biometric information.

21. An apparatus as recited in claim 19, wherein the database of user information includes stored payroll amounts for each of a plurality of users.

22. An apparatus as recited in claim 21, wherein the database of user information includes stored biometric information for each of a plurality of users.

23. An apparatus as recited in claim 19, further comprising means for receiving a user identifier from the user, the apparatus further comprising means for using the user identifier to access the stored biometric information on the user.

25. A method as recited in claim 21, wherein the database of user information further includes stored biometric information on the user, and wherein said confirming comprises confirming the identity of the user using the stored biometric information and the acquired biometric information.

26. A method as recited in claim 21, wherein the database of user information includes stored payroll amounts for each of a plurality of users.

27. A method as recited in claim 26, wherein the database of user information includes stored biometric information for each of a plurality of users.

28. A method as recited in claim 21, further comprising receiving a user identifier from the user, the method further comprising using the user identifier to access the stored biometric information on the user.

24. A method of providing automated payroll distribution without the use of a card, the method comprising:

using a biometric device to acquire biometric information of a user;

storing locally a database of user information, including a stored payroll amount for the user;

confirming the identity of the user using the acquired biometric information and without using information obtained from a card; and

if the identity of the user is confirmed, dispensing cash to the user according to the stored payroll amount for the user.