US 8,540,146 B2Granted

Automated banking machine that operates responsive to data bearing records

AssigneeDiebold, Incorporated

InventorsMark D. Smith, Anne Konecny, Timothy Zajkowski

Life of this patent

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Abstract

An automated banking machine operates to cause financial transfers responsive at least in part to data read from data bearing records. The automated banking machine includes a card reader operative to read card data from user cards corresponding to financial accounts. The automated banking machine includes a display and a printer to produce records of financial transactions carried out with the machine. The automated banking machine is also operative to receive secure communications from a host system that are operative to enable the automated banking machine to carry out banking transactions in response to an input of a personal identification number.

Claims20

Dependent claims

A method carried out in connection with an apparatus including an automated banking machine that operates responsive at least in part to data read from data bearing records to cause financial transfers,

wherein the automated banking machine includes at least one reader,
wherein the at least one reader is operative to read user data usable to identify a financial account,
wherein the automated banking machine includes a cash dispenser,
wherein the cash dispenser is operative to dispense cash to authorized users of the machine,
wherein the automated banking machine includes at least one input device,
wherein the apparatus includes at least one computer,
wherein the at least one computer is operable to communicate with the at least one reader, the cash dispenser, and the at least one input device,
wherein the at least one computer is operative to communicate with at least one server that is located remotely from the automated banking machine,
wherein the method comprises:
a) through operation of the at least one computer, receiving from the at least one server, at least one first message, wherein the at least one first message includes a digital signature;
b) through operation of the at least one computer, causing the at least one first message to be authenticated using the digital signature received in (a);
c) through operation of the at least one computer, causing the automated banking machine to be configured through use of data included in the at least one first message authenticated in (b) to securely perform a transaction that includes dispensing cash through operation of the cash dispenser;
d) through operation of the at least one computer, securely sending at least one second message to the at least one server, wherein the at least one second message includes data representative of at least one input received through the at least one input device included in the automated banking machine configured in (c);
e) through operation of the at least one computer, receiving from the at least one server, at least one third message, wherein the at least one third message includes data representative of an authorization to dispense cash with the cash dispenser;
and
f) responsive at least in part to (e), through operation of the at least one computer, causing the cash dispenser to dispense cash.

13 more elements

wherein the automated banking machine includes at least one reader,
wherein the at least one reader is operative to read user data usable to identify a financial account,
wherein the automated banking machine includes a cash dispenser,
wherein the cash dispenser is operative to dispense cash to authorized users of the machine,
wherein the automated banking machine includes at least one input device,
wherein the apparatus includes at least one computer,
wherein the at least one computer is operable to communicate with the at least one reader, the cash dispenser, and the at least one input device,
wherein the at least one computer is operative to communicate with at least one server that is located remotely from the automated banking machine,
wherein the method comprises:
a) through operation of the at least one computer, receiving with the automated banking machine from the at least one server, at least one first message, wherein the at least one first message includes a digital signature;
b) through operation of the at least one computer, causing the at least one first message to be verified using the digital signature;
c) responsive at least in part to (b) through operation of the at least one computer, causing the automated banking machine to be configured to be operative to securely acquire authorization to carry out a transaction that includes dispensing cash through operation of the cash dispenser;
d) through operation of the at least one computer, securely sending at least one second message to the at least one server, wherein the at least one second message includes data corresponding to a personal identification number manually inputted into the at least one input device;
e) through operation of the at least one computer, receiving from the at least one server at least one third message, wherein the at least one third message includes data representative of an authorization to dispense cash with the cash dispenser;
and
f) responsive at least in part to (e), through operation of the at least one computer, causing the cash dispenser to dispense cash.

13 more elements

wherein the automated banking machine includes at least one reader,
wherein the at least one reader is operative to read user data usable to identify a financial account,
wherein the automated banking machine includes a cash dispenser,
wherein the cash dispenser is operative to dispense cash to authorized users of the machine,
wherein the automated banking machine includes at least one input device,
wherein the apparatus includes at least one computer,
wherein the at least one computer is operable to communicate with the at least one reader, the cash dispenser, and the at least one input device,
wherein the at least one computer is operative to communicate with at least one server that is located remotely from the automated banking machine,
wherein the method comprises:
a) through operation of the at least one computer, receiving from the at least one server, at least one first message, wherein the at least one first message includes a digital signature;
b) through operation of the at least one computer, causing the at least one first message to be authenticated using the digital signature received in (a);
c) through operation of the at least one computer, causing the automated banking machine to be configured through use of data included in the at least one first message authenticated in (b) to be operative to securely transfer to the at least one server, a personal identification number inputted through the at least one input device;
d) through operation of the at least one input device receiving an input of the personal identification number;
e) through operation of the at least one computer, securing transferring the personal identification number to the at least one server;
f) through operation of the at least one computer, receiving from the at least one server, an authorization to dispense cash with the cash dispenser;
and
g) responsive at least in part to (f), through operation of the at least one computer, causing the cash dispenser to dispense cash.

14 more elements

Dependencies are inferred from the claim text.

Facts

Application: 13/741,122Filed 14 Jan 2013 · continuation in part
Priority: 27 Nov 1996
Published: US 2013/0119125 A123 May 2013
Granted: 24 Sep 2013
Term ends: Not estimatedThe source records don’t support an estimate.

Classification15 codes

G07F 19/211
Automatic teller machines [ATMs]: software architecture within ATMs or in relation to the ATM network
G06Q 20/027
Involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]: involving a payment switch or gateway
G06Q 20/10
Payment architectures: specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
G06Q 20/102
Specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems: bill distribution or payments

Family

Application60/031,956Us provisional application · filed 27 Nov 1996
PCT/US97/21422Parent of this continuation-in-part · filed 25 Nov 1997
Application60/091,887Us provisional application · filed 7 Jul 1998
Application60/095,626Us provisional application · filed 7 Aug 1998
Application60/098,907Us provisional application · filed 2 Sep 1998
Application09/193,787Parent of this continuation-in-part · filed 17 Nov 1998
Application60/144,761Us provisional application · filed 20 Jul 1999
Application09/578,312Parent of this division · filed 25 May 2000
Application60/285,724Us provisional application · filed 23 Apr 2001
Application10/126,140Parent of this division · filed 19 Apr 2002
Application10/754,367Parent of this continuation · filed 9 Jan 2004
Application11/226,104Parent of this continuation · filed 14 Sep 2005
Application12/587,128Parent of this continuation · filed 30 Sep 2009
Application12/932,127Parent of this continuation · filed 17 Feb 2011
Application13/317,444Parent of this continuation · filed 18 Oct 2011
Application13/340,081Parent of this continuation · filed 29 Dec 2011
Application13/479,658Parent of this continuation-in-part · filed 24 May 2012
Application13/532,114Parent of this continuation · filed 25 Jun 2012
Application13/735,575Parent of this continuation-in-part · filed 7 Jan 2013
US 2013/0126606 A1Pre-grant publication · published 23 May 2013
US 8,348,152 B2Parent of this continuation
Application13/735,575Parent of this continuation
US 8,205,792 B2Parent of this continuation
US 8,172,136 B2Parent of this continuation
US 8,042,734 B2Parent of this continuation
US 7,891,555 B2Parent of this continuation
US 7,597,249 B2Parent of this continuation
US 7,266,526 B1Parent of this division
Application11/226,104Parent of this division
US 7,624,050 B1Parent of this continuation-in-part
Application09/578,312Parent of this continuation-in-part
Application09/077,337Parent of this continuation-in-part
US 7,567,924 B1Parent of this continuation-in-part
Application13/479,658Parent of this continuation
US 6,705,517 B1Parent of this division
Application10/754,367Parent of this division
Application10/126,140Parent of this continuation-in-part
US 2006/0010062 A1Published application
US 2010/0088230 A1Published application
US 2011/0145144 A1Published application
US 2012/0031967 A1Published application
US 2012/0104092 A1Published application
US 2012/0267431 A1Published application
US 2013/0119125 A1Published application
US 8,567,667 B2Related patent
US 8,540,146 B2This patent

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

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