US 7,883,006 B1Granted

Card activated cash dispensing automated banking machine authorization system and method

AssigneeDiebold Self-Service Systems division of Diebold, Incorporated

InventorsThomas Brausch, Chris Phillipi, Richard A. Steinmetz, Richard P. Brunt, Kenneth W. Zahorec

Life of this patent

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Abstract

An automated banking machine operates to carry out financial transfers responsive to data read form data bearing records. The machine includes a card reader that operates to read data from user cards. The card data corresponds to financial accounts. The automated banking machine further includes a cash dispenser. The machine is operative to dispense cash to an authorized user based on identifying data including card data, and to cause a financial transfer from an account corresponding to card data through communication with at least one remote computer. The machine is operative to authorize the installation, use, and/or configuration of automated banking machine software applications and components.

Claims19

Dependent claims

Apparatus comprising:

an automated banking machine that operates responsive to data read from data bearing records, wherein the automated banking machine includes:
a card reader, wherein the card reader is operative to read card data from a user card, wherein the card data corresponds to a financial account;
a cash dispenser;
at least one data store;
at least one computer;
wherein the card reader, the cash dispenser and the at least one data store are in operative connection with the at least one computer;
wherein the at least one data store includes computer executable instructions, wherein the instructions include at least one software component, wherein the at least one computer is operative responsive to the at least one software component to cause the card reader to operate to read the card data, to cause the cash dispenser to operate to dispense an amount of cash from the machine, and to cause a financial transfer from the financial account corresponding to the amount of cash dispensed;
wherein the at least one computer is operative responsive to the at least one software component to:
determine a first system date, wherein the first system date corresponds to a current system date of the at least one computer on the date the first system date is determined;
determine a second system date;
compare the first system date and the second system date;
allow the machine to carry out at least one machine operation responsive to the at least one software component, responsive to the compared second system date being later in time than the first system date.

9 more elements

A method carried out with an automated banking machine that operates to cause financial transfers responsive to card data read from user cards, wherein the card data corresponds to financial accounts, and wherein the machine includes a card reader, a cash dispenser operative to dispense cash stored within the machine to machine users, at least one computer, and at least one data store, comprising:

(a) operating the at least one computer of the automated banking machine to execute instructions corresponding to data in the at least one data store, wherein the instructions include at least one software component, wherein the at least one software component is operative to cause at least one of the card reader and the cash dispenser to operate;
(b) operating the at least one computer of the automated banking machine to determine responsive to instructions included in the at least one software component, a current first system date associated with the at least one computer;
(c) operating the at least one computer to store data corresponding to the first system date determined in (b) in the at least one data store;
(d) operating the at least one computer to cease execution of instructions of the at least one software component;
(e) subsequent to (d), operating the at least one computer to execute instructions of the at least one software component;
(f) during at least a portion of (e), determining through operation of the at least one computer responsive to instructions included in the at least one software component, a current second system date associated with the at least one computer;
(g) operating the at least one computer responsive to instructions included in the at least one software component, to compare the first system date and the second system date;
and
(h) operating the at least one computer to control at least one machine operation associated with the at least one software component responsive to the comparison in (g).

6 more elements

Dependencies are inferred from the claim text.

Facts

Application: 12/378,590Filed 17 Feb 2009 · continuation
Priority: 27 Sep 2000
Granted: 8 Feb 2011
Term ends: Not estimatedThe source records don’t support an estimate.

Classification11 codes

G07F 19/206
Automatic teller machines [ATMs]: software aspects at ATMs
G06F 21/10
Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity: protecting distributed…
G06F 21/105
Protecting distributed programs or content, e.g. vending or licensing of copyrighted material ; Digital rights management [DRM]: arrangements for…
G06Q 20/042
Payment circuits: characterized in that the payment protocol involves at least one cheque

Family

Application60/235,587Us provisional application · filed 27 Sep 2000
Application09/957,982Parent of this continuation-in-part · filed 21 Sep 2001
Application60/432,325Us provisional application · filed 10 Dec 2002
Application60/432,340Us provisional application · filed 10 Dec 2002
Application10/732,204Parent of this division · filed 9 Dec 2003
Application11/454,705Parent of this division · filed 15 Jun 2006
Application11/821,701Parent of this continuation · filed 25 Jun 2007
US 7,490,760 B1Parent of this continuation
US 7,234,636 B1Parent of this division
Application11/821,701Parent of this division
US 7,063,253 B1Parent of this division
US 6,672,505 B1Parent of this continuation-in-part
Application10/732,204Parent of this continuation-in-part
US 7,883,006 B1This patent

From the US filing history. Foreign family members aren’t listed.