Automated banking machine and system

• US 7,333,954 B2
• Filed: 11/08/2005
• Issued: 02/19/2008
• Est. Priority Date: 11/27/1996
• Status: Expired due to Fees

• 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., Ess, Joseph C., Church, James
• Primary Examiner(s): ELISCA, PIERRE E
• Application Number:
  US11/270,392
• Publication Number:
  US 20060136336A1
• Time in Patent Office: 833 Days
• Field of Search: 705/43, 705/35
• US Class Current: 705/43
• CPC Class Codes: G06F 9/451 Execution arrangements for user interfaces
• 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 20/382 insuring higher security of transaction
• 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 19/206 Software aspects at ATMs
• CPC Class Codes: G07F 19/211 Software architecture within ATMs or in relation to the ATM network
• CPC Class Codes: G07F 9/02 Devices for alarm or indication, e.g. when empty; Advertising arrangements in coin-freed apparatus alarms or warning devices indicating the interruption of flow to be metered G07F15/10
• CPC Class Codes: H04L 67/02 based on web technology, e.g. hypertext transfer protocol [HTTP]

Abstract

An automated banking machine includes at least one browser and transaction function devices, including a currency dispenser device. The machine can be operated in a modified mode in response to transactions that are no longer available. A browser can be used to communicate with one or more servers. Data indicative of the availability of the certain transaction functional devices can be communicated to a server. One or more mark up language documents containing data and/or instructions that correspond to the operational availability to the machine of the transaction functional devices can be accessed. The machine can then be operated responsive to the data and/or instructions. For example, the machine may change its display output to a customer to reflect its current transaction functional device status. Customer transaction options can be readily changed via machine/server communication on a machine by machine basis.

Claims

1. At least one article including computer executable instructions operative to cause at least one computer in an automated transaction machine including transaction function devices, to carry out a method comprising:

(a) accessing responsive to operation of at least one browser of the automated transaction machine, at least one mark up language document by generating an address, wherein the at least one mark up language document corresponds to availability of at least one transaction function device of the machine, wherein the machine includes different types of transaction function devices, wherein the machine includes at least one available transaction function device, wherein each respective available transaction function device is selectively operative to carry out a respective different type of transaction function, wherein at least a portion of the address is indicative of at least one of the types of transaction function devices of the machine; and

(b) operating the automated transaction machine responsive to the at least one mark up language document accessed in step (a).

2. At least one article including computer executable instructions operative to cause at least one computer in an automated transaction machine that comprises transaction function devices including a currency dispenser device, to carry out a method comprising:

(a) responsive to determined operational availability of the currency dispenser device, accessing via operation of at least one browser of the machine, at least one mark up language document corresponding to the operational availability of the currency dispenser device, wherein the machine includes at least one operationally available transaction function device, wherein each respective operationally available transaction function device is selectively operative to carry out a respective different type of transaction function; and

(b) operating the currency dispenser device responsive to the at least one mark up language document accessed in step (a).

3. The at least one article according to claim 2 and further comprising:

(c) prior to step (a), determining the availability of transaction function devices of the machine.

4. The at least one article according to claim 2 wherein the at least one mark up language document accessed in step (a) includes instructions to operate at least one other transaction function device than the currency dispenser device, and wherein step (b) further includes operating the at least one other transaction function device.

5. The at least one article according to claim 4 wherein the at least one other transaction function device includes at least one display device, and wherein step (b) further includes operating the at least one display device.

6. The at least one article according to claim 2 wherein the machine includes at least one output device, wherein step (b) further includes providing an output through the at least one output device responsive to the at least one mark up language document accessed in step (a).

7. The at least one article according to claim 2 wherein the machine comprises an automated teller machine (ATM).

8. At least one article including computer executable instructions operative to cause at least one computer in an automated transaction machine including transaction function devices, to carry out a method comprising:

(a) accessing responsive to operation of at least one browser of the automated transaction machine while having available both a currency sheet dispenser and a depository, at least one mark up language document which corresponds to the availability of at least one transaction function device of the machine, wherein the machine includes at least one available transaction function device, wherein each respective available transaction function device is selectively operative to carry out a respective different type of transaction function; and

(b) operating the automated transaction machine responsive to the at least one mark up language document accessed in step (a).

9. At least one article including computer executable instructions operative to cause at least one computer in an automated transaction machine that includes transaction function devices to carry out a method comprising:

(a) responsive to determining the machine not having available both a currency dispenser device and a depository device, accessing via operation of at least one browser of the machine, at least one mark up language document corresponding to the determined availability, wherein the machine includes at least one operationally available transaction function device, wherein each respective operationally available transaction function device is selectively operative to carry out a respective different type of transaction function; and

(b) operating the machine responsive to the at least one mark up language document accessed in step (a).

10. At least one article including computer executable instructions operative to cause at least one computer in an automated transaction machine including transaction function devices, to carry out a method comprising:

(a) accessing responsive to operation of at least one browser of the automated transaction machine, at least one mark up language document which corresponds to the availability of at least one transaction function device of the machine, wherein the machine includes at least one available transaction function device, wherein each respective available transaction function device is selectively operative to carry out a respective different type of transaction function, wherein the accessing includes either

accessing a first document when the machine has available a first transaction function device but not a second transaction function device, or

accessing a second document when the machine has available both the first and second transaction function devices; and

(b) operating the automated transaction machine responsive to the at least one mark up language document accessed in step (a).

11. The at least one article according to claim 10 wherein in step (a) the first transaction function device comprises a currency dispenser device and the second transaction function device comprises a depository device.

12. At least one article including computer executable instructions operative to cause at least one computer of an automated transaction machine to carry out a method comprising:

(a) accessing responsive to operation of at least one browser of the automated transaction machine, at least one document,

wherein the at least one document is accessible through at least one server,

wherein the at least one document comprises either at least one first mark up language document or at least one second mark up language document,

wherein the at least one first mark up language document is accessed when the machine includes a first transaction function device but not a second transaction function device,

wherein the at least one first mark up language document includes a first reference,

 

wherein the first reference is to a first transaction type carried out by the first transaction function device,

wherein the at least one second mark up language document is accessed when the machine includes both the first transaction function device and the second transaction function device,

wherein the at least one second mark up language document includes a second reference,

 

wherein the second reference is to a second transaction type carried out by the second transaction function device; and

(b) operating the automated transaction machine responsive to the at least one document accessed in step (a).

13. The at least one article according to claim 12 wherein step (a) includes accessing either a first mark up language document at a first address or a second mark up language document at a different second address.

14. The at least one article according to claim 12 and further comprising:

(c) prior to step (a), delivering device data from the machine, wherein the device data is representative of the transaction function devices of the machine,

wherein the at least one document accessed in step (a) is accessed responsive to the device data.

15. The at least one article according to claim 12 wherein the first transaction function device includes a currency dispenser device, wherein the second transaction function device includes a depository device, wherein step (a) includes accessing either

the at least one first mark up language document when the machine includes a currency dispenser device but not a depository device;

or

the at least one second mark up language document when the machine includes both a currency dispenser device and a depository device.

16. The at least one article according to claim 12 wherein in step (a) the first and second transaction function devices are selected from among a card reader, a currency dispenser device, a depository, a display device, and a receipt printer.

17. At least one article including computer executable instructions operative to cause at least one computer of an automated transaction machine to carry out a method comprising:

(a) accessing responsive to operation of at least one browser of the automated transaction machine, either a first document or a second document,

wherein the first document is accessed when the automated transaction machine corresponds to a first availability condition,

wherein the first document includes a first display reference, wherein the first display reference corresponds to a first availability condition of transaction function devices in an automated transaction machine,

wherein the second document is accessed when the automated transaction machine corresponds to a second availability condition,

wherein the second document includes a second display reference, wherein the second display reference corresponds to a second availability condition of transaction function devices in an automated transaction machine; and

(b) providing an output to at least one output device, wherein the output corresponds to the document accessed in step (a).

18. The at least one article according to claim 17 wherein the machine includes the at least one output device, wherein the at least one output device includes at least one display device, wherein step (b) includes providing at least one display through the at least one display device.

19. At least one article including computer executable instructions operative to cause at least one computer in an automated transaction machine including at least one browser and a plurality of transaction function devices that include at least one customer input device and a currency dispenser device, to carry out a method comprising:

(a) operating the automated transaction machine to receive through the at least one customer input device, at least one manual input corresponding to a transaction request requiring operation of a first transaction function device of the plurality of transaction function devices to carry out the request;

(b) responsive to step (a), accessing through operation of the automated transaction machine at least one mark up language document from at least one server remotely located from the automated transaction machine, wherein the at least one mark up language document includes instructions reflective of an operational status of the first transaction function device, wherein the accessing includes operation of the at least one browser; and

(c) operating the automated transaction machine responsive to the at least one mark up language document accessed in step (b), to cause operation of the first transaction function device in carrying out the request.

20. The at least one article of claim 19

wherein the request comprises a currency dispense transaction, wherein step (a) includes receiving a currency dispense transaction request,

wherein the first transaction function device comprises the currency dispenser device, wherein step (c) includes operating the automated transaction machine to cause operation of the currency dispenser device to dispense at least one currency note.

21. At least one article including computer executable instructions operative to cause at least one computer in an automated transaction machine including at least one browser, at least one input device, at least one display device, and a currency sheet dispenser device, to carry out a method comprising:

(a) accessing through operation of the automated transaction machine at least one first mark up language document from at least one remote server, responsive to at least one first manual input corresponding to a currency dispense transaction received through the at least one input device;

(b) operating the automated transaction machine responsive to the at least one first mark up language document accessed in (a), to dispense at least one currency sheet from the automated transaction machine through operation of the currency sheet dispenser device; and

(c) processing the at least one mark up language document through operation of the browser, wherein at least one output through the display device is produced responsive to processing the at least one mark up language document.