US 8,132,716 B1Granted

Automated banking machine system and method

AssigneeDiebold, Incorporated

InventorsMark D. Smith, James Meek, Allan R. Bakerink, Randolph C. Benore, Daniel S. McIntyre, Mark DePietro

Life of this patent

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Abstract

A banking transaction system includes customer stations and a server provider station. The customer stations include automated banking machines. Each machine includes a cash dispenser and a card reader that reads financial account indicia from user cards. A service provider at the service provider station is able to communicate with a customer at a machine to help carry out a banking transaction. The customer may also carry out a banking transaction without involvement of the service provider. A pneumatic tube transport can move items between a service provider and customers. Computers operating facial image transformation software and vocal sound transformation software allow computer-generated outputs at customer stations of facial images and vocal sounds that customers may find more acceptable than those produced by the actual service provider.

Apparatus comprising:

an automated banking machine operative to cause a financial transaction associated with an account to be carried out,
wherein the automated banking machine includes
at least one reader operative to read data usable to identify at least one of a machine user and an account,
at least one display, and
at least one audio speaker,
at least one service provider station remotely located from the automated banking machine,
wherein each respective service provider station is operable by a respective operator,
wherein each respective service provider station includes
at least one image capture device,
wherein the at least one image capture device is operative to capture at least one facial image of a face of an operator at the respective service provider station,
wherein the at least one image capture device is operative to generate operator facial image data corresponding to the at least one facial image,
at least one sound capture device,
wherein the at least one sound capture device is operative to capture vocal sounds made by the operator at the respective service provider station,
wherein the at least one sound capture device is operative to generate operator vocal sound data corresponding to the vocal sounds,
at least one manual input device,
wherein the at least one manual input device is configured to receive inputs from the operator at the respective service provider station,
at least one computer,
wherein the at least one computer is operative responsive at least in part to generated operator facial image data, to produce modified facial image data,
wherein the modified facial image data corresponds to at least one facial image of a face other than that of the operator at the respective service provider station,
wherein the at least one computer is operative responsive at least in part to generated operator vocal sound data, to produce modified vocal sound data,
wherein the modified vocal sound data corresponds to vocal sounds other than those of the operator at the respective service provider station,
wherein the at least one computer is operative to
cause the at least one display to output a facial image corresponding to the modified facial image data, and
cause the at least one audio speaker to output vocal sounds corresponding to the modified vocal sound data.

21 more elements

Facts

Application

12/928,626Filed 14 Dec 2010 · continuation

Priority

6 Apr 2004

Granted

13 Mar 2012

Term ends

Not estimatedThe source records don’t support an estimate.

Classification6 codes

G07F 19/201
Automatic teller machines [ATMs]: accessories of ATMs
G06Q 40/02
Finance; Insurance; Tax strategies; Processing of corporate or income taxes: banking, e.g. interest calculation or account maintenance
G07F 19/20
Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to…:…
G07F 19/211
Automatic teller machines [ATMs]: software architecture within ATMs or in relation to the ATM network

Family

Application60/560,100Us provisional application · filed 6 Apr 2004

Application60/560,054Us provisional application · filed 6 Apr 2004

Application60/655,728Us provisional application · filed 22 Feb 2005

Application60/657,104Us provisional application · filed 22 Feb 2005

Application11/100,148Parent of this continuation-in-part · filed 5 Apr 2005

Application11/100,149Parent of this continuation-in-part · filed 5 Apr 2005

Application11/360,007Parent of this continuation-in-part · filed 21 Feb 2006

Application60/790,193Us provisional application · filed 6 Apr 2006

Application11/732,407Parent of this continuation · filed 3 Apr 2007

US 7,854,378 B1Parent of this continuation

US 7,845,552 B2Parent of this continuation-in-part

Application11/732,407Parent of this continuation-in-part

US 2006/0180652 A1Published application

US 8,132,716 B1This patent

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

Abstract

Claims20