US 2014/0156526 A1Published application

Card activated cash dispensing automated banking machine system and method

AssigneeDiebold, Incorporated

InventorsJay Paul Drummond, Mark D. Smith, Natarajan Ramachandran

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Abstract

An automated banking machine system operates to cause financial transfers responsive to data read from data bearing records. The system is operative to read a financial card bearing account indicia with a card reader. A user is able to perform at least one banking operation with an automated banking machine responsive to account indicia read by the card reader from the card. The banking operations include dispensing cash and accessing financial accounts. A user is also able to perform at least one banking operation with an automated banking machine responsive to financial account data received by the system from a mobile phone.

Claims20

Dependent claims

A method comprising:

(a) operating an automated banking machine that includes a cash dispenser, and at least one input device, to receive from a mobile wireless communication device via a server, at least one message that includes transaction data,
wherein the transaction data indicates a request for a cash withdrawal transaction,
wherein the transaction data includes account data corresponding to a financial account,
wherein the transaction data includes a requested cash amount;
(b) operating the machine responsive at least in part to the transaction data received in (a) to allow the cash withdrawal transaction to be authorized,
wherein authorization of the cash withdrawal transaction allows the machine, responsive at least in part to user input of a particular authorization code to the at least one input device, to dispense the requested cash amount;
and
(c) operating the machine responsive at least in part to user input of the particular authorization code to the at least one input device, to cause the cash dispenser to dispense an amount of cash corresponding to the requested cash amount.

5 more elements

A method comprising:

(a) operating a mobile wireless communication device to receive from a user of the communication device during output of at least one transaction interface screen through a display of the communication device, user inputs corresponding to a request for a cardless transaction,
wherein the at least one transaction interface screen allows the user to select a transaction type,
wherein the user inputs indicate selection of a transaction type comprising a cash withdrawal transaction,
wherein the at least one transaction interface screen allows the user to input an amount involved in the transaction,
wherein the user inputs indicate a requested cash amount;
(b) operating the communication device to communicate at least one message to a server associated with a network that includes an automated banking machine comprising at least one input device and a cash dispenser operable to dispense the requested cash amount,
wherein the at least one message indicates a request for the cash withdrawal transaction,
wherein the at least one message indicates the requested cash amount,
wherein the at least one message includes account data corresponding to a financial account that is usable in the transaction;
and
(c) subsequent to (b) and subsequent to approval of the cash withdrawal transaction by a financial transaction host, operating the communication device in providing a code for the machine,
wherein user input of the code to the machine is effective at least in part, to cause the machine to dispense the requested cash amount.

9 more elements

Dependencies are inferred from the claim text.

Facts

Application: 13/871,813Filed 26 Apr 2013
Priority: 17 Apr 1998
Published: 5 Jun 2014
Term ends: Not estimatedThe source records don’t support an estimate.

Classification17 codes

G06Q 20/1085
Remote banking, e.g. home banking: involving automatic teller machines [ATMs]
G06K 7/0004
Methods or arrangements for sensing record carriers, e.g. for reading patterns: hybrid readers
G06K 19/08
Characterised by the kind of the digital marking, e.g. shape, nature, code: using markings of different kinds or more than one marking of the same…
G06Q 20/18
Payment architectures: involving self-service terminals [SST], vending machines, kiosks or multimedia terminals

Family

Application60/082,299Us provisional application · filed 17 Apr 1998
Application09/076,051Division · filed 11 May 1998
Application60/120,506Us provisional application · filed 17 Feb 1999
Application60/133,579Us provisional application · filed 11 May 1999
Application60/180,490Us provisional application · filed 5 Feb 2000
Application09/505,594Continuation in part · filed 16 Feb 2000
Application60/237,812Us provisional application · filed 4 Oct 2000
Application60/250,269Us provisional application · filed 30 Nov 2000
Application09/776,503Continuation in part · filed 2 Feb 2001
Application09/826,675Continuation in part · filed 5 Apr 2001
Application09/966,932Division · filed 27 Sep 2001
Application10/795,926Continuation in part · filed 8 Mar 2004
Application10/892,257Continuation in part · filed 14 Jul 2004
Application11/415,531Continuation in part · filed 2 May 2006
Application11/639,660Continuation · filed 15 Dec 2006
Application12/290,886Continuation · filed 3 Nov 2008
Application12/584,378Continuation · filed 4 Sep 2009
Application12/800,499Continuation · filed 17 May 2010
Application12/931,004Continuation · filed 21 Jan 2011
Application13/373,168Continuation · filed 7 Nov 2011
Application13/571,785Continuation · filed 10 Aug 2012
Application13/871,813Continuation
Application11/639,660Continuation in part
Application10/892,257Division
Application09/826,675Division
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From the US filing history. Foreign family members aren’t listed.

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