US 2011/0215143 A1Published application

Method of authorizing automated banking machine use responsive to user data read from data bearing records

AssigneeDiebold, Incorporated

InventorsJay Paul Drummond, Bob A. Cichon, Mark D. Smith, David Weis

Life of this patent

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Abstract

An automated banking machine operates to carry out financial transactions for authorized machine users responsive to user data read from data bearing records. The machine includes an input devices including a card reader which operates to read card data that is usable to identify a user or a user account. The machine also includes a cash dispenser that is selectively operative to dispense currency notes to authorized machine users. A computer causes financial accounts read by the card reader to be assessed a value for cash dispensed. The computer causes operation of the cash dispenser in response to receiving cash dispense instructions. The computer includes software that prevents cash dispenser operation in response to cash dispense instructions being received in communications from at least one remote address.

Claims20

Dependent claims

A method comprising:

(a) operating at least one computer of a banking system that includes an automated banking machine that comprises at least one reader operable to read user data corresponding to at least one of a machine user and a financial account,
to receive from at least one remote address, communication that includes at least one instruction capable of causing the machine to operate the at least one reader,
wherein the machine includes:
at least one output device including at least one display,
at least one cash dispenser operable to cause currency notes to be dispensed from the machine,
wherein the at least one computer:
is operable to communicate with a remote financial transaction host,
is operable to allow a machine user to request a cash dispense transaction responsive at least in part to user data read by the at least one reader corresponding to authorized machine user data stored in at least one data store,
is operable to cause transfer of funds from a financial account associated with cash dispensed by the at least one cash dispenser,
is operable to receive communications from different remote addresses, and
is associated with programming operable to screen the received communications;
wherein the at least one computer is operable to receive communications from different remote addresses,
wherein the at least one computer includes programming operable to determine which received communications are permitted to cause the machine to operate the at least one cash dispenser;
and
(b) operating the at least one computer responsive at least in part to the communication received in (a), to either:
(bi) cause operation of the at least one reader, responsive at least in part to the at least one instruction being received from at least one first address;
or
(bii) prevent operation of the at least one reader, responsive at least in part to the at least one instruction being received from at least one second address;
wherein the at least one computer is operable to perform each of (bi) and (bii).

16 more elements

A method comprising:

(a) operating at least one computer associated with an automated banking machine that includes at least one cash dispenser,
to receive from at least one remote address, communication that includes at least one dispense instruction capable of causing the machine to operate the at least one cash dispenser,
wherein the machine includes at least one reader operable to read user data corresponding to at least one of a machine user and a financial account,
wherein the at least one computer is operable to receive communications from different remote addresses,
wherein the at least one computer includes programming operable to determine which received communications are allowed to include the at least one dispense instruction;
and
(b) operating the at least one computer responsive at least in part to the communication received in (a), to either:
(bi) cause operation of the at least one cash dispenser, responsive at least in part to the at least one dispense instruction being received in communication from at least one first address;
or
(bii) prevent operation of the at least one cash dispenser, responsive at least in part to the at least one dispense instruction being received in communication from at least one second address;
wherein the at least one computer is operable to perform each of (bi) and (bii).

8 more elements

A method comprising:

(a) operating at least one computer associated with an automated banking machine,
wherein the machine includes a plurality of transaction function devices,
wherein the plurality of transaction function devices includes
at least one input device,
wherein the at least one input device includes at least one reader,
wherein the at least one reader operable to read user data corresponding to at least one of a machine user and a financial account,
at least one output device,
wherein the at least one output device includes at least one display, and
at least one cash dispenser,
wherein the at least one cash dispenser is operable to dispense currency notes from the machine,
wherein the at least one computer includes a screening program,
wherein the screening program is selectively operable to determine which of a plurality of remote systems are permitted to cause through communication of at least one transaction function instruction to the at least one computer, the machine to operate at least one of the plurality of transaction function devices,
to receive a first communication sent from a first remote system,
wherein the first communication includes a transaction function instruction that is capable of causing the machine to operate a first transaction function device of the plurality of transaction function devices;
(b) operating the screening program to prevent the transaction function instruction received in (a) from causing the machine to operate the first transaction function device;
(c) operating the at least one computer to receive a second communication sent from a second remote system,
wherein the second communication includes a transaction function instruction that is capable of causing the machine to operate the first transaction function device;
(d) operating the screening program to permit the transaction function instruction received in (c) to cause the machine to operate the first transaction function device;
and
(e) responsive at least in part to (d), operating the at least one computer to cause operation of the first transaction function device.

17 more elements

Dependencies are inferred from the claim text.

Facts

Application: 13/068,355Filed 9 May 2011
Priority: 27 Nov 1996
Published: 8 Sep 2011
Term ends: Not estimatedThe source records don’t support an estimate.

Classification15 codes

G07F 19/211
Automatic teller machines [ATMs]: software architecture within ATMs or in relation to the ATM network
G06Q 20/027
Involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]: involving a payment switch or gateway
G06Q 20/10
Payment architectures: specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
G06Q 20/102
Specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems: bill distribution or payments

Family

Application60/031,956Us provisional application · filed 27 Nov 1996
Application09/077,337Continuation in part · filed 27 May 1998
Application60/091,887Us provisional application · filed 7 Jul 1998
Application60/095,626Us provisional application · filed 7 Aug 1998
Application60/098,907Us provisional application · filed 2 Sep 1998
Application09/193,787Continuation in part · filed 17 Nov 1998
Application60/144,761Us provisional application · filed 20 Jul 1999
Application09/578,312Division · filed 25 May 2000
Application11/226,104Continuation · filed 14 Sep 2005
Application12/386,491Continuation · filed 17 Apr 2009
Application12/927,696Continuation · filed 22 Nov 2010
Application13/068,355Continuation
Application11/226,104Division
Application09/578,312Continuation in part
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From the US filing history. Foreign family members aren’t listed.