US 2012/0223136 A1Published application

Automated Banking Machine that Operates Responsive to Data Bearing Records

AssigneeDiebold Self-Service Systems division of Diebold, Incorporated

InventorsJay Paul Drummond, Mark D. Smith, Michael A. Meffie, Daniel D. Wasil

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Abstract

A banking system controlled responsive to data bearing records includes a card reader that can read identifying data from user cards. The system can authorize operation of an automated banking machine responsive to the read data. The system can provide an electronic transaction receipt to the machine user. A bank computer is operable to submit the receipt to a system address of record with the bank. The address can correspond to an e-mail address, phone number, or other address associated with an account involved in the transaction. The receipt can also include an image associated with the transaction. The system can also operate to image a check deposited at the machine, and then electronically send the image to the check maker, the payee, and/or a clearinghouse.

Claims20

Dependent claims

Apparatus comprising:

an automated banking machine associated with at least one computer,
wherein the automated banking machine includes at least one data reader,
wherein the at least one computer is operable to cause the at least one data reader to read user data usable to identify a financial account on which a financial transaction can be carried out,
wherein the automated banking machine includes a cash dispenser;
wherein the at least one computer is operable to cause the cash dispenser to selectively dispense cash stored in the machine to authorized users of the machine,
wherein the at least one computer is configured to communicate with a financial transaction host to receive authorization to carry out a transaction involving the automated banking machine,
wherein the at least one computer is operable to communicate with a remotely located server system which has access to at least one data store which respectively associates an account and a customer network address for each respective customer of a financial institution who is to receive electronic records of transactions involving their account,
wherein the customer network address is usable in sending to the respective customer, an electronic record of a transaction involving their account,
wherein the at least one computer is operable to communicate with the server system through a communication path that is independent of the financial transaction host,
wherein the at least one computer is configured to operate responsive at least in part to the at least one data reader reading user data during a user session involving the automated banking machine and a machine user, to communicate to the server system at least one first message which includes the read user data,
wherein the at least one computer is configured to operate responsive at least in part to communicating the at least one first message, to receive from the server system at least one response message which indicates that the machine user is to receive an electronic record of transactions,
wherein the at least one computer is configured to operate responsive at least in part to receiving the at least one response message, to communicate at least one second message to the server system,
wherein the at least one second message includes transaction receipt data corresponding to a transaction carried out during the user session,
wherein the at least one second message allows the server system to communicate to the customer network address of the machine user, an electronic record of the transaction carried out during the user session,
wherein the electronic record includes the transaction receipt data.

12 more elements

Apparatus comprising:

at least one computer operable to receive a network address from a customer during a customer request to receive electronic records of transactions involving an account of the customer that is held with a financial institution,
wherein the at least one computer is configured to operate responsive at least in part to receiving the network address, to associate the network address and the account in at least one data store,
wherein the at least one computer is operable to communicate with at least one controlling computer that controls operation of an automated banking machine which includes at least one data reader and a cash dispenser,
wherein the at least one controlling computer is operable to cause the at least one data reader to read user data usable to identify a financial account on which a financial transaction can be carried out,
wherein the at least one controlling computer is operable to cause the cash dispenser to selectively dispense cash stored in the machine to authorized users of the machine,
wherein the at least one controlling computer is configured to communicate with a financial transaction host to receive authorization to carry out a transaction involving the automated banking machine,
wherein the at least one computer is operable to communicate with the at least one controlling computer through a communication path that is independent of the financial transaction host,
wherein the at least one computer is operable to receive from the at least one controlling computer, user data that was read by the at least one data reader during a user session involving a machine user and the automated banking machine,
wherein the at least one computer is configured to operate responsive at least in part to receiving the user data, to determine whether the user data corresponds to the account that is associated in the at least one data store with the network address,
wherein the at least one computer is configured to operate responsive at least in part to determining that the user data corresponds to the account, to cause at least one message to be communicated to the at least one controlling computer,
wherein the at least one message indicates that the machine user is to receive an electronic record of transactions,
wherein the at least one computer is operable to receive from the at least one controlling computer, transaction receipt data corresponding to a transaction carried out during the user session,
wherein the at least one computer is configured to operate responsive at least in part to receiving the transaction receipt data, to cause an electronic record of the transaction carried out during the user session to be communicated to the network address,
wherein the electronic record includes the transaction receipt data.

11 more elements

A method comprising:

(a) operating at least one computer to receive a network address from a customer during a customer request to receive electronic records of transactions involving an account of the customer that is held with a financial institution,
wherein the at least one computer is operable to communicate with at least one controlling computer that controls operation of an automated banking machine which includes at least one data reader and a cash dispenser,
wherein the at least one controlling computer is operable to cause the at least one data reader to read user data usable to identify a financial account on which a financial transaction can be carried out,
wherein the at least one controlling computer is operable to cause the cash dispenser to selectively dispense cash stored in the machine to authorized users of the machine,
wherein the at least one controlling computer is configured to communicate with a financial transaction host to receive authorization to carry out a transaction involving the automated banking machine,
wherein the at least one computer is operable to communicate with the at least one controlling computer through a communication path that is independent of the financial transaction host;
(b) operating the at least one computer to associate in at least one data store, the network address received in (a) and the account;
(c) subsequent to (b), operating the at least one computer to receive from the at least one controlling computer, user data that was read by the at least one data reader during a user session involving a machine user and the automated banking machine;
(d) operating the at least one computer responsive at least in part to receiving the user data in (c), to determine whether the user data corresponds to the account that is associated in the at least one data store with the network address;
(e) subsequent to (d), operating the at least one computer responsive at least in part to determining in (d) that the user data corresponds to the account, to cause at least one message to be communicated to the at least one controlling computer,
wherein the at least one message indicates that the machine user is to receive an electronic record of transactions;
(f) subsequent to (e), operating the at least one computer to receive from the at least one controlling computer, transaction receipt data corresponding to a transaction carried out during the user session;
and
(g) operating the at least one computer responsive at least in part to receiving the transaction receipt data in (f), to cause to be communicated to the network address, an electronic record of the transaction carried out during the user session,
wherein the electronic record includes the transaction receipt data.

12 more elements

Dependencies are inferred from the claim text.

Facts

Application: 13/470,810Filed 14 May 2012
Priority: 27 Nov 1996
Published: 6 Sep 2012
Term ends: Not estimatedThe source records don’t support an estimate.

Classification28 codes

G06Q 20/1085
Remote banking, e.g. home banking: involving automatic teller machines [ATMs]
G06F 3/023
Input arrangements using manually operated switches, e.g. using keyboards or dials: arrangements for converting discrete items of information into…
G06F 3/04895
Using dedicated keyboard keys or combinations thereof: guidance during keyboard input operation, e.g. prompting
G06F 16/95
Details of database functions independent of the retrieved data types: retrieval from the web

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
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Application10/430,123Continuation in part
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From the US filing history. Foreign family members aren’t listed.