Cash dispensing automated banking machine with disposable cash display

• US 7,419,091 B1
• Filed: 03/25/2005
• Issued: 09/02/2008
• Est. Priority Date: 03/30/2004
• Status: Active Grant

• Current Assignee: Diebold Nixdorf, Incorporated
• Original Assignee: Diebold Self-Service Systems (Diebold Nixdorf, Incorporated)
• Inventors: Scanlon, Michael
• Primary Examiner(s): FUREMAN, JARED
• Application Number:
  US11/090,676
• Time in Patent Office: 1,257 Days
• Field of Search: 902/8, 902/15, 902/21, 902/14, 705/24, 705/43
• US Class Current: 235/379
• CPC Class Codes: G06Q 20/1085 involving automatic teller machines [ATMs]
• CPC Class Codes: G07F 19/20 Automatic teller machines [ATMs]
• CPC Class Codes: G07F 19/203 Dispensing operations within ATMs dispensing in general G07D11/00

Abstract

An automated banking machine system and method is provided which is operative to display a disposable cash amount associated with an account. The disposable cash amount is calculated responsive to the current Available Balance and responsive to future debit and credits that are expected to post to the account. The disposable cash amount may be calculated by a computer of the ATM or by a computer in operative connection with the ATM such as host banking system or other server of the financial institution associated with the account. The ATM may provide a user interface which minimizes the number of inputs to dispense an amount of cash equal to the calculated disposable cash amount. The ATM or a web site, or other computer may provide a customer with the ability to edit and modify the parameters used to calculate the disposable cash amount for an account.

Claims

1. A method comprising:

a) receiving through operation of at least one input device of an ATM, information representative of a financial account, wherein the ATM includes a cash dispenser, wherein the ATM is operative to determine an available balance amount associated with the account through operation of at least one computer of the ATM;

b) determining through operation of the at least one computer in operative connection with the ATM, a disposable cash amount associated with the account, wherein the disposable cash amount is less than the available balance amount, wherein the disposable cash amount is determined based at least on the available balance amount, at least one expected future debit amount associated with the account, and at least one expected future credit amount associated with the account; and

c) displaying through operation of the at least one computer of the ATM, the disposable cash amount through at least one output device of the ATM.

2. The method according to claim 1, wherein in (a) the input device includes a card reader and the information representative of a financial account is read from a card, further comprising:

d) determining through operation of the at least one computer of the ATM, the available balance amount associated with the account; and

e) displaying through operation of the at least one computer of the ATM, the available balance amount through the at least one output device of the ATM.

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

d) selecting the at least one expected future debit amount associated with the account through operation of at least one computer remote from the ATM; and

e) calculating the disposable cash amount through operation of at least one computer, responsive to the at least one expected future debit amount.

4. The method according to claim 3, wherein in (e) the at least one computer remote from the ATM calculates the disposable cash amount.

5. The method according to claim 3, wherein in (d) the at least one expected future debit amount is stored in at least one data store in operative connection with the at least one computer remote from the ATM, wherein the at least one expected future debit amount stored in the data store includes a debit amount and at least one expected debit date.

6. The method according to claim 5, wherein the calculation of the disposable cash amount in step (e) includes subtracting the debit amount from the available balance amount associated with the account.

7. The method according to claim 6, further comprising:

f) determining at least one credit date through operation of at least one computer;

wherein in (d) the at least one expected future debit amount is selected responsive to the at least one debit date being at least one of less than or equal to the credit date.

8. The method according to claim 7, wherein in (f) the at least one credit date corresponds to at least one date associated with the at least one expected credit, wherein the at least one expected credit is stored in the at least one data store, and the at least one credit date is stored in the at least one data store.

9. The method according to claim 7, further comprising:

g) determining at least one current date through operation of at least one computer, wherein the credit date is greater in time than the current date;

wherein in (d) the at least one expected future debit amount is selected responsive to the at least one debit date debit being at least one of greater than or equal to the current date.

10. The method according to claim 9, further comprising:

h) determining through operation of at least one computer that at least one further expected debit stored in the at least one data store in association with the account has not been posted to the account and includes a debit date that is at least one of less than or equal to the current date;

wherein the calculation of the disposable cash amount in step (e) includes subtracting a debit amount associated with the at least one further expected debit from the available balance associated with the account.

11. The method according to claim 10, further comprising:

i) determining through operation of at least one computer that at least one credit transaction has posted to the account within a predetermined amount of time before the current date;

wherein the calculation of the disposable cash amount in step (e) includes subtracting an amount associated with the at least one posted credit transaction from the available balance associated with the account.

12. The method according to claim 3, wherein in (e) the at least one computer of the ATM calculates the disposable cash amount.

13. The method according to claim 3, wherein further comprising:

f) displaying through operation of the at least one computer of the ATM, the at least one expected future debit amount through the at least one output device of the ATM.

14. The method according to claim 13, further comprising:

g) receiving an input representative of the at least one expected future debit amount through operation of the least one input device of the ATM;

h) communicating the inputted at least one expected future debit amount to the at least one computer remote from the ATM; and

i) storing the at least one expected future debit amount in association with the account in at least one data store in operative connection with the at least one computer remote from the ATM.

15. The method according to claim 14, wherein the input device includes an invoice reader, wherein in (g) the operation of the input device includes scanning a printed bill with the invoice reader.

16. The method according to claim 3, further comprising:

f) selecting the at least one expected credit associated with the account through operation of at least one computer remote from the ATM.

17. The method according to claim 16, wherein the at least one expected credit corresponds to an amount of interest estimated to be credited to the account.

18. The method according to claim 3, further comprising:

f) receiving expected debit data representative of the at least one expected future debit amount through operation of at least one web server, wherein the web server is operative to provide at least one web page usable to acquire the expected debit data from computers connected to the web server through a global communication network; and

g) storing the at least one expected debit data in association with the account in at least one data store in operative connection with the at least one computer remote from the ATM.

19. The method according to claim 1, further comprising:

d) determining a dispense amount that is equal to or less than the disposable cash amount;

e) causing the cash dispenser to dispense cash in an amount that corresponds to the dispense amount.

20. The method according to claim 19 wherein in (d) the dispense amount is determined to correspond to the largest amount of currency that the ATM is operative to dispense which is less than or equal to the disposable cash amount.

21. A method comprising:

(a) receiving through operation of at least one user input device of an ATM, information representative of a financial account, wherein the ATM includes at least one computer, at least one display device, and a cash dispenser;

(b) determining an available balance amount associated with the account through operation of at least one computer;

(c) responsive to both at least one expected future debit amount and at least one expected future credit amount associated with the account, determining through operation of at least one computer a disposable cash withdrawal amount associated with the account, wherein the disposable cash withdrawal amount is less than the available balance amount; and

(d) displaying through the at least one display device, the disposable cash withdrawal amount determined in step (c).

22. The method according to claim 21 and further comprising:

(e) determining through operation of at least one computer a cash withdrawal amount up to the disposable cash amount to allow the account to have sufficient funds to cover expected future debits up to a predetermined future date.

23. The method according to claim 21 wherein the at least one user input device enables a machine user to request a disposable cash transaction which includes a cash dispense associated with the disposable cash withdrawal amount, and further comprising:

(e) receiving a disposable cash transaction request through the at least one user input device.

24. The method according to claim 23 wherein the at least one user input device includes a disposable cash transaction function key, wherein a machine user is able to request a disposable cash transaction by pressing the key, and wherein step (e) includes receiving a disposable cash transaction request through the key.

25. At least one article of computer readable media bearing computer executable instructions, which instructions are operative to cause at least one computer in an automated banking machine to carry out a method comprising:

(a) operating the automated banking machine to receive through operation of at least one user input device of the automated banking machine, information representative of a financial account, wherein the automated banking machine includes at least one display device and a cash dispenser;

(b) operating the automated banking machine to cause to be determined an available balance amount associated with the account;

(c) operating the automated banking machine to cause to be determined responsive to both at least one expected future debit amount and at least one expected future credit amount associated with the account, a disposable cash withdrawal amount associated with the account, wherein the disposable cash withdrawal amount is less than the available balance amount; and

(d) operating the automated banking machine to display through the at least one display device, the disposable cash withdrawal amount determined in step (c).