Banking system controlled responsive to data bearing records

• US 8,220,706 B1
• Filed: 01/14/2011
• Issued: 07/17/2012
• Est. Priority Date: 04/17/1998
• Status: Expired due to Fees

• Current Assignee: Diebold Nixdorf, Incorporated
• Original Assignee: Diebold Self-Service Systems (Diebold Nixdorf, Incorporated)
• Inventors: Graef, H. Thomas, Douglass, Mark A., Block, James, Zaugg, Matthew R., Miller, Willis, Enright, Jeffery M., Ramachandran, Natarajan, Blackson, Dale H.
• Primary Examiner(s): St.Cyr, Daniel
• Application Number:
  US12/930,724
• Time in Patent Office: 550 Days
• Field of Search: 235/379, 235/380, 235/382, 705/26, 705/39, 705/42, 705/4
• US Class Current: 235/379
• CPC Class Codes: G06Q 20/18 involving self-service terminals [SST], vending machines, kiosks or multimedia terminals
• CPC Class Codes: G06Q 20/3224 Transactions dependent on location of M-devices
• CPC Class Codes: G06Q 20/4012 Verifying personal identification numbers [PIN]
• CPC Class Codes: G06Q 20/40145 Biometric identity checks
• CPC Class Codes: G07F 19/201 Accessories of ATMs

Abstract

An automated banking machine operates to cause financial transfers responsive to data read from data bearing records. The machine includes a card reader that reads card data from a card of a machine user. The card data may be linked in a data store to both a customer'"'"'s financial account and a cell phone assigned to that customer. The automated banking machine user may provide inputs to the machine via one or more sensors that operate to determine where on a display of the machine at least one eye of the machine user is looking.

Claims

1. Apparatus comprising:

an automated banking machine that is operative to cause financial transfers responsive at least in part to read user data,

wherein the machine includes at least one reader,

wherein the at least one reader is operative to read user data usable to identify at least one of a user of the machine and a financial account associated with a user transaction session,

wherein the machine includes at least one of

a sheet receiver that is operative to receive at least one sheet into the machine, and

a sheet dispenser that is operative to dispense at least one sheet from the machine,

wherein the machine includes at least one display,

wherein the at least one display is operative to provide visible outputs,

wherein the machine includes at least one user input device,

wherein the at least one user input device includes at least one sensor operative to sense at least one feature of at least one eye of a user at the machine,

at least one computer associated with the machine,

wherein the at least one computer is in operative connection with the at least one reader, the at least one of a sheet receiver and a sheet dispenser, the at least one display, and the at least one user input device,

wherein the at least one computer is operative during a financial transaction to cause user data to be read through operation of the at least one reader and to cause a user account to be assessed a value associated with the financial transaction,

wherein the at least one computer is operative responsive at least in part to the at least one sensor to determine an area on the at least one display where the user is looking.

2. The apparatus according to claim 1 wherein the automated banking machine is part of a banking system,

wherein the machine includes the at least one computer,

wherein the machine includes a sheet dispenser,

wherein the sheet dispenser comprises a cash dispenser,

wherein the machine includes a sheet receiver,

wherein the sheet receiver comprises a check acceptor,

wherein the at least one reader includes both

at least one card reader, and

at least one biometric reader,

wherein the at least one computer is operative during a user transaction session with the machine to

cause card data to be read from a card through operation of the at least one card reader, and then cause the read card data to be compared with card information stored in at least one data store, and

cause biometric data to be read through operation of the at least one biometric reader, and then cause the read biometric data to be compared with biometric information in the at least one data store,

wherein the at least one computer is operative to authorize the user to request a financial transaction involving the cash dispenser responsive at least in part to both

computer-determined correspondence between the read card data and stored card information, and

computer-determined correspondence between the read biometric data and stored biometric information,

wherein the at least one computer is operative to cause data corresponding to at least a portion of read card data to be sent in at least one first message to at least one remote computer remotely located from the machine,

wherein the at least one computer is operative to allow cash to be dispensed from the machine responsive at least in part to receipt by the at least one computer of at least one second message from the at least one remote computer.

3. The apparatus according to claim 1 wherein the at least one computer is operative to determine the area from visible features of at least one eye of the user.

4. The apparatus according to claim 1

wherein the at least one sensor includes an infrared emitter and an image capture device,

wherein the infrared emitter is operative to emit radiation,

wherein the image capture device is operative to detect the radiation emitted by

the infrared emitter that is reflected from at least one eye of the user,

wherein the at least one computer is in operative connection with the image capture device and is operative to determine the area on the at least one display where at least one eye of the user is looking responsive at least in part to radiation reflected from at least one eye of the user.

5. The apparatus according to claim 4 wherein the infrared emitter and image capture device are located adjacent to the at least one display.

6. The apparatus according to claim 1 wherein the at least one computer is operative to cause the at least one display to output first output indicia which instructs the user to selectively gaze at least one feature on the at least one display.

7. The apparatus according to claim 6 wherein the at least one feature on the at least one display includes one of a plurality of different colored features,

wherein the at least one computer is operative to cause respective colored features to be output in respective different areas of the at least one display, and wherein the first output indicia instructs the user to gaze at each of the respective colored features at different times,

wherein the at least one computer is operative responsive at least in part to the at least one sensor, to determine one of the colored features at which the user is currently looking.

8. The apparatus according to claim 6 wherein the at least one feature on the at least one display includes at least one character, wherein the at least one computer is operative to determine the at least one character gazed at by at least one eye of the user.

9. The apparatus according to claim 8

wherein the first output indicia instructs the user to select at least character by gazing at the at least one character and then blink at least one eye,

wherein the at least one computer is operative to determine the at least one blink-selected character responsive at least in part to the at least one sensor.

10. The apparatus according to claim 9 wherein the at least one computer is operative to cause second output indicia to be output through the at least one display, wherein at least one computer is operative to restart user selection of the at least one character in response to user selection corresponding to the second output indicia.

11. The apparatus according to claim 9 wherein the at least one computer is operative to cause second output indicia to be output through the at least one display each time the at least one computer determines a user selection of at least one character.

12. The apparatus according to claim 8

wherein the first output indicia instructs the user to select at least one character by continuously gazing at the at least one character for at least a predetermined time,

wherein at least one computer is operative to determine the at least one gaze-selected character responsive at least in part to the at least one sensor.

13. The apparatus according to claim 8

wherein the first output indicia instructs the user to select at least one character through a gaze in a cross pattern centered on the at least one selected character,

wherein the at least one computer is operative to determine the at least one gaze-selected character responsive at least in part to the at least one sensor.

14. The apparatus according to claim 8

wherein the first output indicia instructs the user to select at least one character for input to the machine by gazing at the at least one character,

wherein the gazing allows user input of authorization data,

wherein the authorization data includes a personal identification number (PIN) comprising a plurality of characters.

15. The apparatus according to claim 8 wherein the at least one computer is operative to determine that the at least one character gazed at by at least one eye of the user corresponds to a transaction instruction to the machine.

16. The apparatus according to claim 1

wherein the machine includes a sheet dispenser,

wherein the sheet dispenser comprises a cash dispenser.

17. The apparatus according to claim 1 wherein the at least one computer is operative to determine at least one area on the at least one display where the user looked, and wherein the at least one computer is operative to determine user input to the machine based at least in part on where the user looked at the at least one display.

18. A method comprising:

(a) operating at least one computer during a user transaction session with an automated banking machine to cause user data to be read through operation of at least one reader of the machine,

wherein the at least one reader is operative to read user data usable to identify at least one of a user of the machine and a financial account associated with the user transaction session,

wherein the machine includes at least one of

a sheet receiver that is operative to receive at least one sheet into the machine, and

a sheet dispenser that is operative to dispense at least one sheet from the machine,

wherein the machine includes at least one display,

wherein the at least one display is operative to provide visible outputs,

wherein the machine includes at least one user input device,

wherein the at least one user input device includes at least one sensor operative to sense at least one feature of at least one eye of a user at the machine,

wherein the at least one computer is in operative connection with the at least one reader, the at least one of a sheet receiver and a sheet dispenser, the at least one display, and the at least one user input device,

wherein the at least one computer is operative to cause the financial account to be assessed a value associated with a financial transaction,

wherein the at least one computer is operative responsive at least in part to the at least one sensor to determine an area on the at least one display where the user is looking; and

(b) operating the at least one computer during the user transaction session responsive at least in part to the at least one sensor, to determine an area on the at least one display where the user is looking.

19. The method according to claim 18 wherein the automated banking machine is part of a banking system,

wherein the machine includes the at least one computer,

wherein the machine includes a sheet dispenser,

wherein the sheet dispenser comprises a cash dispenser,

wherein the machine includes a sheet receiver,

wherein the sheet receiver comprises a check acceptor,

wherein the at least one reader includes both

at least one card reader, and

at least one biometric reader,

wherein the at least one computer is operative during the user transaction session to

cause card data to be read through operation of the at least one card reader, and

cause biometric data to be read through operation of the at least one biometric reader,

and during the user transaction session, further comprising:

(c) operating the at least one card reader to read card data;

(d) operating the at least one biometric reader to read biometric data; and

(e) operating the at least one computer to authorize the user to request a financial transaction involving the cash dispenser, responsive at least in part to both

computer-determined correspondence between the card data read in (c) and stored card information, and

computer-determined correspondence between the biometric data read in (d) and stored biometric information.

20. The method according to claim 18 wherein the at least one computer is operative to determine user input to the machine based at least in part on where the user looked at the at least one display,

wherein (b) includes operating the at least one computer to determine at least one area on the at least one display where the user looked,

and further comprising:

(c) operating the at least one computer to determine based at least in part on the at least one area determined in (b), user input to the machine.

22. The at least one article according to claim 19

wherein the automated banking machine is part of a banking system,

wherein the machine includes the at least one computer,

wherein the machine includes a sheet dispenser,

wherein the sheet dispenser comprises a cash dispenser,

wherein the at least one reader includes both

at least one card reader, and

at least one biometric reader,

wherein the at least one computer is operative during the user transaction session to

cause card data to be read through operation of the at least one card reader, and

cause biometric data to be read through operation of the at least one biometric reader,

wherein the computer executable instructions are configured to cause the at least one computer during the user transaction session to further carry out the method comprising:

(c) operating the at least one card reader to read card data;

(d) operating the at least one biometric reader to read biometric data; and

(e) operating the at least one computer to authorize the user to request a financial transaction involving the cash dispenser, responsive at least in part to both

computer-determined correspondence between the card data read in (c) and stored card information, and

computer-determined correspondence between the biometric data read in (d) and stored biometric information.

21. At least one article including computer executable instructions configured to cause at least one computer during a user transaction session with an automated banking machine to carry out a method comprising:

(a) operating the at least one computer during the user transaction session with the machine to cause user data to be read through operation of at least one reader of the machine,

wherein the at least one reader is operative to read user data usable to identify at least one of a user of the machine and a financial account associated with the user transaction session,

wherein the machine includes at least one of

a sheet receiver that is operative to receive at least one sheet into the machine, and

a sheet dispenser that is operative to dispense at least one sheet from the machine,

wherein the machine includes at least one display,

wherein the at least one display is operative to provide visible outputs,

wherein the machine includes at least one user input device,

wherein the at least one user input device includes at least one sensor operative to sense at least one feature of at least one eye of a user at the machine,

wherein the at least one computer is in operative connection with the at least one reader, the at least one of a sheet receiver and a sheet dispenser, the at least one display, and the at least one user input device,

wherein the at least one computer is operative to cause the financial account to be assessed a value associated with a financial transaction,

wherein the at least one computer is operative responsive at least in part to the at least one sensor to determine an area on the at least one display where the user is looking; and

(b) operating the at least one computer during the user transaction session responsive at least in part to the at least one sensor, to determine an area on the at least one display where the user is looking.