Banking transaction machine that operates responsive to data bearing records

• US 8,011,572 B2
• Filed: 10/23/2008
• Issued: 09/06/2011
• Est. Priority Date: 11/28/1997
• Status: Expired due to Term

• Current Assignee: Diebold Nixdorf, Incorporated
• Original Assignee: Diebold Incorporated (Diebold Nixdorf, Incorporated)
• Inventors: Miller, Robert G., Herrera, Elizabeth M., Mleziva, Roy, Smith, Mark D., Graef, H. Thomas, Ramachandran, Natarajan, Haney, Sean, Force, Matthew, Junkins, Andrew, Owens, Mark, Hill, Jeffrey A.
• Primary Examiner(s): Walsh; Daniel
• Application Number:
  US12/288,788
• Publication Number:
  US 20100102118A1
• Time in Patent Office: 1,048 Days
• Field of Search: 235379-381, 235/435, 235/449, 235/487, 705/41, 705/43, 705/44, 705/67
• US Class Current: 235/379
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/1085 involving automatic teller machines [ATMs]
• CPC Class Codes: G06Q 20/3674 involving authentication
• 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 20/4014 Identity check for transactions
• CPC Class Codes: G06Q 20/40145 Biometric identity checks
• CPC Class Codes: G06Q 30/0609 Buyer or seller confidence or verification
• CPC Class Codes: G07C 2011/02 related to amusement parks
• CPC Class Codes: G07C 9/37 using biometric data, e.g. fingerprints, iris scans or voice recognition
• CPC Class Codes: G07F 19/20 Automatic teller machines [ATMs]
• CPC Class Codes: G07F 19/201 Accessories of ATMs
• CPC Class Codes: G07F 19/203 Dispensing operations within ATMs dispensing in general G07D11/00

Abstract

A cash dispensing banking transaction machine that operates responsive to data bearing records includes a card reader that reads identifying data from a user card. The machine dispenses cash from a cash dispenser for a financial account without causing the card reader device to read data from a card corresponding to the financial account, when a determination indicates that a voice of the user included in an audio input signal to audio input device corresponds to a particular recognized user stored in a data store in correlated relation with the financial account.

Claims

1. A method comprising:

(a) receiving at least one input from a machine user through operation of at least one input device of a banking transaction machine, wherein the machine includes a keypad, a cash dispenser, and a card reader operable to read data from a card corresponding to a financial account;

(b) operating the machine to dispense cash from the cash dispenser for a financial Account, responsive at least in part to a determination made as to whether voice data recieved from the machine user corresponds to stored voice data in at least one data store,

(i) wherein when the determination indicates that the voice data received corresponds to stored voice data in the at least one data store, then the machine operates to dispense the cash without requiring the card reader to read card data that corresponds to the financial account;

(ii) wherein when the determination indicates that the voice data received does not correspond to stored voice data in the at least one data store, then the machine operates to dispense the cash based at least in part on communication from a host system verifying that the user is authorized to withdrawal cash from the financial account responsive at least in part to at least one of;

card data read from a card by the card reader;

corresponding to the financial account, and

data received through operation of the keypad, corresponding to a personal identification number (PIN), and

wherein (ii) causes the at least one data store to be updated with data associated with the voice data received.

2. The method according to claim 1 and further comprising:

c) prior to (b), receiving an audio input signal that includes the voice data received from the machine user, from an audio input device;

d) responsive to the audio input signal received in (c), generating the determination as to whether the voice data received corresponds to stored voice data in the at least one data store.

3. The method according to claim 2, wherein in (c) the audio input device includes a microphone.

4. The method according to claim 2, wherein in (d) the determination includes operation of voice recognition software.

5. The method according to claim 2, wherein in (d) the determination includes operation of a speech recognition device.

6. The method according to claim 1 wherein (b) further includes operating the machine responsive to a further determination made as to whether image data of the user acquired with a camera corresponds in the at least one data store to the voice data received from the machine user.

7. A method comprising:

operating at least one computer associated with an automated banking machine and including computer executable instructions, to

(a) cause the machine to receive voice data provided by a user during a user session with the machine;

(b) subsequently cause, responsive at least in part to a determination that voice data received in (a) does not correspond to user voice data in at least one authorized user data store, the machine to receive non audible data from the user during the user session; and

(c) subsequently cause, responsive at least in part to a determination that non audible data received in (b) corresponds to non audible user data in the at least one authorized user data store, both

(ci) the machine to allow during the user session, the user to request a transaction involving a financial account associated with the non audible user data received in (b), and

(cii) the at least one authorized user data store to be updated with user voice data corresponding to the voice data received in (i).

8. The method according to claim 7 wherein the machine includes a cash dispenser, wherein (ci) allows the user to request a transaction that involves operation of the cash dispenser.

9. The method according to claim 7 wherein the machine includes at least one computer, wherein the at least one computer is operable to communicate with a banking system host computer, and further comprising:

(d) prior to (b), operating at least one computer to receive responsive at least in part to communication with the host computer, the determination that the voice data received in (a) does not correspond to user voice data in the at least one authorized user data store; and

(e) prior to (c), operating at least one computer to receive responsive at least in part to communication with the host computer, the determination that the non audible data received in (b) corresponds to non audible user data in the at least one authorized user data store.

10. The method according to claim 7 wherein the machine includes at least one manual input device, wherein (b) includes causing the machine to receive non audible data through the at least one manual input device.

11. The method according to claim 10 wherein the at least one manual input device includes at least one of a keypad and at least one data reader, wherein (b) includes causing the machine to receive non audible data through the at least one of the keypad and the at least one data reader.

12. The method according to claim 11 wherein the at least one data reader includes at least one of a card reader and a biometric reader, wherein (b) includes causing the machine to receive non audible data through the at least one of the card reader and the biometric reader.

13. Apparatus comprising:

at least one computer associated with an automated banking machine,

wherein the at least one computer includes computer executable instructions configured to

(i) cause the machine to receive voice data provided by a user during a user session with the machine;

(ii) subsequently cause, responsive at least in part to a determination that voice data received in (i) does not correspond to user voice data in at least one authorized user data store, the machine to receive non audible data from the user during the user session; and

(iii) subsequently cause, responsive at least in part to a determination that non audible data received in (ii) corresponds to non audible user data in the at least one authorized user data store, both

the machine to allow during the user session, the user to request a transaction involving a financial account associated with the non audible user data received in (ii), and

the at least one authorized user data store to be updated with user voice data corresponding to the voice data received in (i).

14. The apparatus according to claim 13

wherein the at least one computer is configured to cause the machine to receive the voice data provided by the user in the form of a spoken phrase,

wherein the at least one computer includes speech recognition software,

wherein the at least one computer is configured to

(a) determine whether the spoken phrase audibly matches user speech data in the at least one authorized user data store, responsive at least in part to the speech recognition software,

(b) determine words used in the spoken phrase

(c) determine order of the words determined in (b)

(d) determine whether the order determined in (c) matches user word order data in the at least one authorized user data store, and

(e) responsive at least in part to a positive determination in both (a) and (d), further determine a corresponding financial account from the at least one authorized user data store,

wherein the at least one computer is configured to cause the machine to allow a user to request a transaction involving a financial account determined in (e) based solely on the machine receiving only the spoken phrase from the user.

15. The apparatus according to claim 14 wherein the machine includes a cash dispenser,

wherein the at least one computer is configured to cause based solely on the machine receiving only the spoken phrase from the user, the machine to allow the user to request a transaction which involves both the financial account and operation of the cash dispenser.

16. The apparatus according to claim 13 wherein the machine includes the at least one computer,

wherein the at least one computer is configured to communicate with a banking system host computer to receive

data indicative of a determination that the voice data received does not correspond to user voice data in at least one authorized user data store, and

data indicative of a determination that the non audible data received corresponds to non audible user data in the at least one authorized user data store.

17. The apparatus according to claim 13 wherein the machine includes at least one manual input device, wherein the machine is operable to receive the non audible data through the at least one manual input device.

18. The apparatus according to claim 17 wherein the at least one manual input device includes at least one of a keypad and at least one data reader, wherein the machine is operable to receive the non audible data through the at least one of the keypad and the at least one data reader.

19. The apparatus according to claim 18 wherein the at least one data reader includes at least one of a card reader and a biometric reader, wherein the machine is operable to receive the non audible data through the at least one of the card reader and the biometric reader.