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US 8,474,709 B2Granted
Banking system controlled responsive to data bearing records
AssigneeDiebold, Incorporated
InventorsDale H. Blackson, James R. Church, Mark D. Smith, Natarajan Ramachandran
Life of this patent
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Abstract
An automated banking machine operates responsive to data bearing records to carry out financial transactions. The machine includes a card reader that operates to read data from user cards that corresponds to financial accounts. The machine also includes a display, at least one manual input device, a cash dispenser, and a machine computer that operates to cause financial transactions to be carried out on financial accounts that correspond to data read from cards. The machine computer is also operative to cause digital information to be sent from the machine to a machine user's remote system address.
Claims23
A method comprising:
- (a) operating an automated transaction machine to cause at least one data reader of the machine to read data corresponding to a financial account associated with a user of the machine,
- wherein the machine includes a cash dispenser, at least one user input device, and at least one display operable to provide output corresponding to user selectable audiovisual files;
- (b) operating the at least one user input device to receive user selection of at least one of the audiovisual files;
- (c) operating the machine responsive at least in part to the user selection received in (b), to cause the at least one of the audiovisual files to be sent to a user mobile phone located adjacent the machine;
- (d) operating the machine to cause the financial account to be accessed a fee associated with the user selection received in (b);
- (e) operating the at least one user input device to receive a cash withdrawal request;
- (f) operating the cash dispenser to dispense an amount of cash associated with the cash withdrawal request received in (e);
- and
- (g) operating the machine to cause the financial account to be accessed a cash value corresponding to the amount of cash dispensed in (f);
- wherein (a)-(g) are carried out during a same user session with the machine.
7 more elements
A method comprising:
- (a) operating an automated transaction machine during a financial transaction involving a user of the machine, to obtain user data corresponding to a financial account,
- wherein the machine includes a touch screen display, a wireless communications port, and at least one reader operable to read user data usable to identify respective financial accounts;
- (b) operating the touch screen display to provide at least one selection display screen that permits the user to select at least one movie;
- (c) subsequent to (b), operating the touch screen display to receive user selection corresponding to at least one movie;
- (d) subsequent to (c), operating the wireless communications port to wirelessly communicate at least one audiovisual file to a user mobile phone located adjacent the machine,
- wherein the at least one audiovisual file includes the at least one movie corresponding to the user selection;
- and
- (e) operating the machine to cause the financial account to be assessed a fee associated with the user selection received in (c).
5 more elements
A method comprising:
- (a) operating at least one reader of an automated transaction machine to obtain user data,
- wherein the user data is linked in at least one data store to a financial account,
- wherein the user data is usable to identify the financial account,
- wherein the user data is linked in the at least one data store to a communication path to a mobile phone,
- wherein the user data is usable to identify the communication path,
- wherein the machine includes at least one display, a cash dispenser, and at least one currency accepting device;
- (b) operating the machine to receive a cash withdrawal request;
- (c) subsequent to (b), operating the cash dispenser to dispense an amount of cash associated with the cash withdrawal request;
- (d) operating the display to provide output corresponding to different selectable audiovisual presentations;
- (e) subsequent to (d), operating the machine to receive user input corresponding to user selection of at least one audiovisual presentation;
- (f) operating the at least one currency accepting device to receive currency toward user payment for the user selection, wherein the currency received includes cash dispensed in (c);
- (g) subsequent to (f), operating the machine to cause digital content comprising the at least one audiovisual presentation, to be communicated to the mobile phone through use of the communication path;
- and
- (h) operating the machine to cause the financial account to be accessed a cash value corresponding to the amount of cash dispensed in (c);
- wherein (a)-(g) are carried out during a same user session with the machine,
- wherein during the same user session the user data is obtained only once.
13 more elements
A method comprising:
- (a) operating an automated transaction machine,
- wherein the machine includes:
- at least one data reader operable to read user data,
- a cash dispenser operable to dispense cash,
- a wireless communication device, and
- at least one input device,
- wherein the at least one input device includes a display,
- wherein the display comprises a touch screen,
- wherein the machine is operable to receive from a machine user during a same user session in which user data is read only once by the at least one reader, both a request for a cash withdrawal and a request for at least one gaming ticket,
- wherein the machine is operable to cause a cash value associated with the requests to be accessed to a same financial account identified through use of the user data read by the at least one reader;
- (b) operating the at least one reader to read first user data that is usable to identify a first financial account associated with a user;
- (c) operating the display to present at least one selection screen output that permits the user to select through touch input to the touch screen, at least one gaming ticket;
- (d) subsequent to (c), operating the display to receive, responsive to touch input to the touch screen, user selection of at least one gaming ticket,
- wherein the at least one gaming ticket includes a first gaming ticket;
- (e) subsequent to (d), operating the wireless communication device to wirelessly communicate at least one image file in a manner that makes the at least one image file receivable only by a portable communication device located adjacent the machine,
- wherein the at least one image file includes an image representative of the first gaming ticket;
- and
- (f) operating the machine to cause the first financial account to be assessed a fee associated with the user selection received in (d).
15 more elements
Dependencies are inferred from the claim text.