Automated banking machine system and method

• US 7,025,256 B1
• Filed: 07/15/2004
• Issued: 04/11/2006
• Est. Priority Date: 10/04/2000
• Status: Expired due to Term

• Current Assignee: Diebold Nixdorf, Incorporated
• Original Assignee: Diebold Incorporated (Diebold Nixdorf, Incorporated)
• Inventors: Smith, Mark D., Drummond, Jay Paul
• Primary Examiner(s): Lee, Michael G.
• Assistant Examiner(s): RIZKALLAH, KIMBERLY NGUYEN
• Application Number:
  US10/891,757
• Time in Patent Office: 635 Days
• Field of Search: 235/379, 235/380, 235/382, 235/382.5, 705/5, 705/30, 705/35, 705 42- 43
• US Class Current: 235/379
• CPC Class Codes: G06Q 20/3223 Realising banking transactions through M-devices
• CPC Class Codes: G07F 19/20 Automatic teller machines [ATMs]
• CPC Class Codes: G07F 19/211 Software architecture within ATMs or in relation to the ATM network

Abstract

A wireless ATM system (30) comprises one or more wireless ATMs (32, 34, 36) that are operative to wirelessly communicate with a wireless ATM server (38). The wireless ATMs each include a wireless network interface (41). The wireless ATM server includes a corresponding wireless access point or wireless hub (40). Wireless transmission between the wireless ATMs and wireless ATM server is secured with a wireless encryption protocol. The wireless ATM server is operative to communicate with at least one host banking system (46) through at least one public or private network (44). The wireless ATM server is operative to route transaction and event messages between the host banking system and each of the wireless ATMs using a message gateway router (43). The wireless ATM server further includes a firewall (42).

Claims

1. A portable wireless device adapted to operate in conjunction with an ATM comprising:

at least one computer;

a wireless communication system in operative connection with the at least one computer, wherein the at least one computer is operative to cause at least one first message to be communicated through the wireless communication system to an ATM including a cash dispenser, wherein the first message is representative of a request to perform a transaction with the ATM; and

at least one output device on the portable device in operative connection with the at least one computer, wherein the at least one computer is operative responsive to at least one second message received from the ATM through the wireless communication system to cause the at least one output device to output a human perceivable message which is operative to prompt a user of the portable wireless device to approach the ATM.

2. The device according to claim 1, further comprising:

at least one input device in operative connection with the at least one computer,

wherein the at least one computer is operative to cause to be sent through the wireless communication system to the ATM, data corresponding to a PIN inputted through the at least one input device.

3. The device according to claim 1, further comprising:

at least one input device in operative connection with the at least one computer, wherein the at least one computer is operative to cause at least one third message to be sent through the wireless communication system to the ATM responsive to an input received through the at least one input device, wherein the at least one third message is operative to cause the ATM to operate a transaction function device of the ATM.

4. The device according to claim 3, wherein the human perceptible message is operative to prompt the user to provide the input through the at least one input device when the user is adjacent the ATM.

5. The device according to claim 3, wherein the transaction function device caused to operate responsive to the at least one third message from the device includes the cash dispenser of the ATM.

6. The device according to claim 1, further comprising a voice communication device.

7. The device according to claim 6, wherein the computer is operative to cause the voice communication device to communicate with a cellular phone network.

8. The device according to claim 1, wherein the at least one computer is operative to cause data corresponding to a financial account to be sent through the wireless communication system to the ATM.

9. The device according to claim 1, wherein the wireless communication system includes a wireless network interface.