# US 9,520,034 B1 · Banking system including at least one 3D printer

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- Number: US 9,520,034 B1
- Document ID: US9520034B1
- Status: Granted
- Kind: B1
- Application number: 14/808,021
- Filed: 2015-07-24
- Granted: 2016-12-13
- Earliest claimed: 2013-08-06
- Applicants: Patricia A. Walker; Ralph E. Jocke
- Inventors: Patricia A. Walker; Ralph E. Jocke
- Web page: https://patentgrep.com/patent/US9520034B1

## CPC

- G07F 19/203: {Dispensing operations within ATMs (dispensing in general G07D11/00)}
- A61L 2/10: Ultraviolet [UV] radiation
- G06Q 20/1085: {involving automatic teller machines [ATMs]}
- G06Q 20/18: involving self-service terminals [SST], vending machines, kiosks or multimedia terminals
- G06Q 40/02: Banking, e.g. interest calculation or account maintenance (credit or loans G06Q40/03)
- G07F 9/001: {Interfacing with vending machines using mobile or wearable devices}
- G07F 9/009: {User recognition or proximity detection}
- G07F 11/70: in which the articles are formed in the apparatus from components, blanks, or material constituents
- G07F 17/0014: {for vending, access and use of specific services not covered anywhere else in G07F17/00 (meter-controlled dispensing of liquid, gas or electricity G07F15/00)}
- G07F 17/26: for printing, stamping, franking, typing or teleprinting apparatus (ticket printing or the like apparatus G07F17/42)
- G07F 19/201: {Accessories of ATMs}
- G07F: COIN-FREED OR LIKE APPARATUS (coin sorting G07D3/00; coin testing G07D5/00; {handling coins or paper currencies apart from payment activated apparatus G07D; payment architectures, schemes or protocols G06Q20/00})
- A61L: METHODS OR APPARATUS FOR STERILISING MATERIALS OR OBJECTS IN GENERAL; DISINFECTION, STERILISATION OR DEODORISATION OF AIR; CHEMICAL ASPECTS OF BANDAGES, DRESSINGS, ABSORBENT PADS OR SURGICAL ARTICLES; MATERIALS FOR BANDAGES, DRESSINGS, ABSORBENT PADS OR SURGICAL ARTICLES (preservation of bodies or disinfecting characterised by the agents employed A01N; preserving, e.g. sterilising, food or foodstuffs A23; preparations for medical, dental or toiletry purposes A61K)
- G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR

## 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 reading device such as a card reader operative to read data from user cards corresponding to preexisting financial accounts. Data read from the data bearing records is compared to stored data to cause a determination to be made concerning whether the data read corresponds to a financial account on which a transaction is authorized to be conducted through the machine. The machine includes at least one 3D printer that is operable to produce an article corresponding to a configuration selected by the user of the machine. The article is usable to accomplish financial transfers on the user's financial account, such as the purchase of goods or services.

## Claims

### Claim 1

Apparatus comprising:
an automated banking machine operable to cause financial transfers,
wherein the automated banking machine includes,
at least one reader operable to read indicia usable to identify a preexisting user financial account,
at least one 3D printer,
at least one controller associated with the automated banking machine, wherein the at least one controller is operable to cause,
a determination to be made that the read indicia corresponds to a financial account on which a transaction is authorized to be conducted through operation of the machine,
responsive at least in part to the determination, the at least one 3D printer to be operable to produce at least a portion of an article,
the produced article to be provided from the machine,
wherein after the article is provided from the machine, the article is usable to make a purchase of goods or services and cause the financial account to be assessed a value corresponding to the purchase.

### Claim 2 (depends on 1)

The apparatus according to claim 1 wherein the goods or services the article is usable to purchase are not determined by data stored in the article when the article is provided by the machine.

### Claim 3 (depends on 1)

The apparatus according to claim 1 wherein the article includes circuitry operable to provide at least one output corresponding the financial account, wherein the at least one output is usable to cause the financial account to be assessed the value.

### Claim 4 (depends on 3)

The apparatus according to claim 3 wherein the at least one 3D printer is operative to provide at least a portion of the circuitry.

### Claim 5

Apparatus comprising:
an automated banking machine operable responsive at least in part to data read from data bearing records,
wherein the automated banking machine includes,
at least one reader operable to read indicia usable to identify a preexisting financial account,
at least one 3D printer,
at least one controller associated with the automated banking machine, wherein the at least one controller is operable to cause,
a determination to be made that the read indicia corresponds to a financial account for which a 3D article is authorized to be produced through operation of the machine,
responsive at least in part to the determination, the at least one 3D printer to be operable to produce at least a portion of a 3D article,
the produced article to be provided from the machine,
wherein the 3D article is usable after the article has been provided from the machine to selectively cause the financial account to be assessed a value.

### Claim 6 (depends on 5)

The apparatus according to claim 5:
wherein the automated banking machine includes at least one input device, wherein the at least one input device is in operative connection with the at least one controller,
wherein the at least one input device is usable to receive a plurality of inputs, each input corresponding to a respective one of a plurality of fictitious characters,
wherein the at least one controller is operative responsive at least in part to the at least one input through the at least one input device corresponding to a selected fictitious character, to cause the article provided from the machine to have a 3D shape corresponding to the selected fictitious character.

### Claim 7

Apparatus comprising:
an automated banking machine operable responsive at least in part to data read from data bearing records to cause financial transfers,
wherein the automated banking machine includes,
a reader operable to read data usable to identify an existing user financial account,
at least one display,
at least one 3D printer,
at least one controller associated with the automated banking machine, wherein the at least one controller is operable to cause,
a determination to be made that the read data corresponds to a financial account on which a transaction is authorized to be conducted through operation of the machine,
responsive at least in part to the determination, the at least one 3D printer to be operable to produce at least a portion of an article,
the produced article to be provided from the machine,
the financial account to be assessed a value associated with the article provided from the machine,
wherein after the article is provided from the machine the article is usable separate from the machine to carry out financial transfers of funds from the user financial account.

### Claim 8 (depends on 7)

The apparatus according to claim 7,
wherein the automated banking machine further includes,
at least one input device, wherein the at least one input device is configured to receive a plurality of different user inputs, each of which corresponds to a respective one of a plurality of different article configurations,
wherein the at least one controller is operative responsive to a received user input to cause the 3D printer to produce the article in a configuration corresponding at least in part to the received user input.

### Claim 9 (depends on 8)

The apparatus according to claim 8, wherein the article responsive at least in part to the received user input, corresponds to at least one of:
a fictitious character shape,
a bracelet,
a pendant,
a word,
a symbol,
at least one initial, and
a name.

### Claim 10 (depends on 7)

The apparatus according to claim 7, wherein the article includes circuitry, wherein at least a portion of the circuitry is provided through operation of the 3D printer.

### Claim 11 (depends on 10)

The apparatus according to claim 10, wherein the circuitry includes an RFID tag, wherein the at least a portion of the RFID tag is provided through operation of the 3D printer.

### Claim 12 (depends on 10)

The apparatus according to claim 10, wherein the circuitry includes a processor, wherein at least a portion of the processor is provided through operation of the 3D printer.

### Claim 13 (depends on 10)

The apparatus according to claim 10, wherein the circuitry includes a fingerprint reader.

### Claim 14 (depends on 10)

The apparatus according to claim 10, wherein the circuitry includes a wireless transceiver.

### Claim 15 (depends on 10)

The apparatus according to claim 10, wherein the circuitry is operative to provide user financial account identifying information usable to identify the user financial account.

### Claim 16 (depends on 15)

The apparatus according to claim 15, wherein the user financial account identifying information is wirelessly communicated from the article.

### Claim 17 (depends on 15)

The apparatus according to claim 15, wherein the article is usable to access at least one of a facility, or an event.

### Claim 18 (depends on 15)

The apparatus according to claim 15, wherein the article includes at least one article input device,
wherein the at least one article input device is operative to at least one of turn on or turn off usability of the article to purchase goods or services.

### Claim 19 (depends on 7)

The apparatus according to claim 7, wherein the article is usable to acquire goods or services which are not determined by data stored in the article when the article is provided from the machine.

### Claim 20 (depends on 19)

The apparatus according to claim 19, wherein the article is usable to acquire goods or services for a limited time after being provided by the automated banking machine.

### Claim 21 (depends on 7)

The apparatus according to claim 7, wherein the article is usable as a credit or debit card to acquire goods or services, charges for which are paid by financial transfers from the user financial account.