Self-service system and method of loading an executable transaction application program from a self-service terminal to a portable electronic device

• US 7,136,623 B2
• Filed: 09/30/2002
• Issued: 11/14/2006
• Est. Priority Date: 09/30/2002
• Status: Active Grant

• Current Assignee: NCR Corporation
• Original Assignee: NCR Corporation
• Inventors: Woodward, Sean, De Souza, Kenneth G., Fare, James W. D.
• Primary Examiner(s): Anderson, Matthew D.
• Assistant Examiner(s): TRAN, TUAN A
• Application Number:
  US10/260,316
• Publication Number:
  US 20040204078A1
• Time in Patent Office: 1,506 Days
• Field of Search: 455 411- 412, 4554141-4144, 455418-420, 4554561-4562, 455/88, 455/550.1, 455/552.1, 455/557, 4555561-5562, 705 42- 43, 705/14, 379 9201- 9204, 379 9311- 9313, 235379-380
• US Class Current: 455/41.2
• 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 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/3223 Realising banking transactions through M-devices
• CPC Class Codes: G06Q 20/326 Payment applications installed on the mobile devices
• CPC Class Codes: G06Q 20/327 Short range or proximity payments by means of M-devices
• CPC Class Codes: G06Q 20/3552 Downloading or loading of personalisation data
• CPC Class Codes: G07F 7/1008 Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
• CPC Class Codes: H04M 1/72406 by software upgrading or downloading
• CPC Class Codes: H04M 1/72412 using two-way short-range wireless interfaces
• CPC Class Codes: H04M 15/68 Payment of value-added services
• CPC Class Codes: H04M 2203/1016 Telecontrol
• CPC Class Codes: H04M 2203/105 Financial transactions and auctions, e.g. bidding auctioneering devices in packet switching networks H04L12/1804
• CPC Class Codes: H04M 2203/1058 Shopping and product ordering
• CPC Class Codes: H04M 2215/0196 Payment of value-added services, mainly when their charges are added on the telephone bill, e.g. payment of non-telecom services, e-commerce, on-line banking
• CPC Class Codes: H04M 2215/2026 Wireless network, e.g. GSM, PCS, TACS
• CPC Class Codes: H04M 2215/32 Involving wireless systems
• CPC Class Codes: H04M 2250/02 including a Bluetooth interface
• CPC Class Codes: H04M 3/42153 by subscriber
• CPC Class Codes: H04M 3/42178 : by downloading data to substation equipment
• CPC Class Codes: H04M 3/493 : Interactive information services, e.g. directory enquiries ; Arrangements therefor, e.g. interactive voice response [IVR] systems or voice portals
• CPC Class Codes: H04W 4/02 : Services making use of location information
• CPC Class Codes: H04W 4/029 : Location-based management or tracking services
• CPC Class Codes: H04W 4/24 : Accounting or billing
• CPC Class Codes: H04W 8/245 : from a network towards a terminal

Abstract

A self-service terminal has a wireless communication port for communicating with a user'"'"'s portable electronic device. The self-service terminal loads an executable transaction application program via the wireless communication port to a user'"'"'s portable electronic device when the user'"'"'s portable electronic device moves into the vicinity of the wireless communication port. The self-service terminal receives transactional data from a user'"'"'s portable electronic device when an executable transaction application program which has been loaded to the user'"'"'s portable electronic device is executed.

Claims

1. A self-service terminal comprising:

a wireless communication port for communicating with a user'"'"'s portable electronic device;

means for detecting presence of the portable electronic device in the vicinity of the self-service terminal;

means for determining if correct system software is running on the portable electronic device in response to presence of the portable electronic device in the vicinity of the self-service terminal being detected; and

means for loading an executable transaction application program via the wireless communication port to a user'"'"'s portable electronic device when the user'"'"'s portable electronic device moves into the vicinity of the wireless communication port and a determination is made that correct software is running on the portable electronic device.

2. A self-service terminal according to claim 1, further comprising means for receiving transactional data from a user'"'"'s portable electronic device when an executable transaction application program which has been loaded to the user'"'"'s portable electronic device is executed.

3. A self-service terminal comprising:

a wireless communication port for communicating with a user'"'"'s portable electronic device;

means for detecting presence of the portable electronic device in the vicinity of the self-service terminal;

means for determining if correct system software is running on the portable electronic device in response to presence of the portable electronic device in the vicinity of the self-service terminal being detected; and

means for, without any action required of the user, loading an executable transaction application program via the wireless communication port to a user'"'"'s portable electronic device when the user'"'"'s portable electronic device moves within a predetermined distance from the wireless communication port and a determination is made that correct software is running on the portable electronic device.

4. A self-service terminal according to claim 3, further comprising means for receiving transactional data from a user'"'"'s portable electronic device when an executable transaction application program which has been loaded to the user'"'"'s portable electronic device is executed.

5. A method of operating a self-service terminal to download an executable transaction application program via a wireless communication port from the self-service terminal to a portable electronic device, the method comprising the steps of:

detecting presence of the portable electronic device in the vicinity of the self-service terminal;

determining if correct system software is running on the portable electronic device in response to presence of the portable electronic device in the vicinity of the self-service terminal being detected; and

downloading the executable transaction application program via the wireless communication port to the portable electronic device when a determination is made that correct software is running on the portable electronic device.

6. A method according to claim 5, wherein the step of detecting includes determining if the portable electronic device is within a predetermined distance from the communication port, and the step of downloading includes downloading the executable transaction application program via the wireless communication port to the portable electronic device when a determination is made that the portable electronic device is within the predetermined distance from the wireless communication port.