US 8,011,572 B2Granted

Banking transaction machine that operates responsive to data bearing records

AssigneeDiebold, Incorporated

InventorsNatarajan Ramachandran, Mark Owens, Mark D. Smith, Sean Haney, Andrew Junkins, Matthew Force, H. Thomas Graef, Elizabeth M. Herrera, Robert G. Miller, Roy Mleziva, Jeffrey A. Hill

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Abstract

A cash dispensing banking transaction machine that operates responsive to data bearing records includes a card reader that reads identifying data from a user card. The machine dispenses cash from a cash dispenser for a financial account without causing the card reader device to read data from a card corresponding to the financial account, when a determination indicates that a voice of the user included in an audio input signal to audio input device corresponds to a particular recognized user stored in a data store in correlated relation with the financial account.

Claims19

Dependent claims

A method comprising:

(a) receiving at least one input from a machine user through operation of at least one input device of a banking transaction machine, wherein the machine includes a keypad, a cash dispenser, and a card reader operable to read data from a card corresponding to a financial account;
(b) operating the machine to dispense cash from the cash dispenser for a financial Account, responsive at least in part to a determination made as to whether voice data recieved from the machine user corresponds to stored voice data in at least one data store,
(i) wherein when the determination indicates that the voice data received corresponds to stored voice data in the at least one data store, then the machine operates to dispense the cash without requiring the card reader to read card data that corresponds to the financial account;
(ii) wherein when the determination indicates that the voice data received does not correspond to stored voice data in the at least one data store, then the machine operates to dispense the cash based at least in part on communication from a host system verifying that the user is authorized to withdrawal cash from the financial account responsive at least in part to at least one of:
card data read from a card by the card reader;
corresponding to the financial account, and
data received through operation of the keypad, corresponding to a personal identification number (PIN), and
wherein (ii) causes the at least one data store to be updated with data associated with the voice data received.

5 more elements

A method comprising:

operating at least one computer associated with an automated banking machine and including computer executable instructions, to
(a) cause the machine to receive voice data provided by a user during a user session with the machine;
(b) subsequently cause, responsive at least in part to a determination that voice data received in (a) does not correspond to user voice data in at least one authorized user data store, the machine to receive non audible data from the user during the user session;
and
(c) subsequently cause, responsive at least in part to a determination that non audible data received in (b) corresponds to non audible user data in the at least one authorized user data store, both
(ci) the machine to allow during the user session, the user to request a transaction involving a financial account associated with the non audible user data received in (b), and
(cii) the at least one authorized user data store to be updated with user voice data corresponding to the voice data received in (i).

4 more elements

Apparatus comprising:

at least one computer associated with an automated banking machine,
wherein the at least one computer includes computer executable instructions configured to
(i) cause the machine to receive voice data provided by a user during a user session with the machine;
(ii) subsequently cause, responsive at least in part to a determination that voice data received in (i) does not correspond to user voice data in at least one authorized user data store, the machine to receive non audible data from the user during the user session;
and
(iii) subsequently cause, responsive at least in part to a determination that non audible data received in (ii) corresponds to non audible user data in the at least one authorized user data store, both
the machine to allow during the user session, the user to request a transaction involving a financial account associated with the non audible user data received in (ii), and
the at least one authorized user data store to be updated with user voice data corresponding to the voice data received in (i).

5 more elements

Dependencies are inferred from the claim text.

Facts

Application: 12/288,788Filed 23 Oct 2008 · division
Priority: 28 Nov 1997
Published: US 2010/0102118 A129 Apr 2010
Granted: 6 Sep 2011
Term ends: Not estimatedThe source records don’t support an estimate.

Classification15 codes

G07F 19/203
Automatic teller machines [ATMs]: dispensing operations within ATMs
G06Q 20/10
Payment architectures: specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
G06Q 20/1085
Remote banking, e.g. home banking: involving automatic teller machines [ATMs]
G06Q 20/3674
Involving electronic purses or money safes: involving authentication

Family

Application60/067,316Us provisional application · filed 28 Nov 1997
Application09/037,559Parent of this continuation-in-part · filed 9 Mar 1998
Application09/498,789Parent of this division · filed 5 Feb 2000
Application11/097,757Parent of this division · filed 31 Mar 2005
US 2010/0102118 A1Pre-grant publication · published 29 Apr 2010
US 6,941,274 B1Parent of this division
US 6,023,688 AParent of this continuation-in-part
Application09/498,789Parent of this continuation-in-part
US 2005/0167482 A1Published application
US 8,011,572 B2This patent

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