Source: http://www.google.com/patents/US7861924?dq=6480844
Timestamp: 2017-05-27 08:56:04
Document Index: 380359364

Matched Legal Cases: ['§119', 'Application No. 60', '§119', 'Application No. 60', '§119', 'Application No. 60']

Patent US7861924 - Banking system controlled responsive to data bearing records - Google PatentsSearch Images Maps Play YouTube News Gmail Drive More »Sign inPatentsAn automated banking machine operates to cause financial transfers responsive to data read from data bearing records. The automated banking machine includes a card reader that is operative to read card data corresponding to a user financial account. The card data is linked in at least one data store...http://www.google.com/patents/US7861924?utm_source=gb-gplus-sharePatent US7861924 - Banking system controlled responsive to data bearing recordsAdvanced Patent SearchTry the new Google Patents, with machine-classified Google Scholar results, and Japanese and South Korean patents.Publication numberUS7861924 B1Publication typeGrantApplication numberUS 12/455,602Publication dateJan 4, 2011Filing dateJun 3, 2009Priority dateNov 26, 2002Fee statusPaidPublication number12455602, 455602, US 7861924 B1, US 7861924B1, US-B1-7861924, US7861924 B1, US7861924B1InventorsJames Block, H. Thomas Graef, Natarajan Ramachandran, Jeffery M. Enright, Dale H. BlacksonOriginal AssigneeDiebold Self-Service Systems Division Of Diebold, IncorporatedExport CitationBiBTeX, EndNote, RefManPatent Citations (5), Referenced by (3), Classifications (13), Legal Events (2) External Links: USPTO, USPTO Assignment, EspacenetBanking system controlled responsive to data bearing records
US 7861924 B1Abstract
An automated banking machine operates to cause financial transfers responsive to data read from data bearing records. The automated banking machine includes a card reader that is operative to read card data corresponding to a user financial account. The card data is linked in at least one data store to an indication that the card data corresponds to an authorized financial account to enable operation of the automated banking machine. The card data is also linked in the at least one data store to a mobile communication device (i.e., cell phone of an owner associated with the financial account). In response to receipt of card data and a transaction request from an automated banking machine, contact data for the owner's cell phone is determined and a message notifying the owner of the requested transaction is sent. The transaction is completed only if the owner provides a responsive message granting permission for the transaction to proceed. Alternatively or in addition transaction authorization may be based on the then current location of the owner's cell phone adjacent to the automated banking machine, and/or other criteria.
wherein the at least one remote computer is operative to communicate with a self-service automated banking machine including each of a card reader operative to read card data corresponding to a financial account from a user card, a cash dispenser selectively operative to cause currency notes stored in the machine to be physically dispensed from the machine, and at least one machine computer;
wherein the at least one data store is in operative connection with the at least one remote computer;
wherein the at least one data store includes data linking the financial account and contact information for a cell phone,
wherein the at least one remote computer includes at least one program configured to sequentially cause, during a cash withdrawal transaction which is independent of location of the cell phone throughout the transaction at the machine, each of:
the at least one remote computer to receive from the machine,
data corresponding to the card data read by the card reader, and
data indicative of a cash withdrawal request at the machine,
the at least one remote computer to obtain data corresponding to the contact information for the cell phone from the at least one data store, responsive at least in part to the data received from the machine,
at least one inquiry message requesting whether the transaction should be allowed to proceed at the machine, to be sent to the cell phone, responsive at least in part to obtaining the data corresponding to the contact information,
the at least one remote computer to receive at least one reply message corresponding to data manually-inputted during the transaction to the cell phone by a holder of the cell phone, wherein the at least one reply message corresponds to a grant of permission for the transaction to proceed, and
the at least one remote computer to send at least one machine message to the machine during the transaction responsive to receiving the at least one reply message, wherein the at least one machine message allows the machine to operate in a manner that enables the cash dispenser to physically dispense currency notes corresponding to the cash withdrawal request.
2. The apparatus according to claim 1 wherein the at least one remote computer comprises a transaction host computer.
3. The apparatus according to claim 1 and further comprising the cell phone, wherein the at least one remote computer is operative to communicate with the cell phone.
wherein the at least one program is configured to cause the at least one remote computer to operate during the transaction to both:
receive the data corresponding to the card data responsive to user input to the automated banking machine by a machine user, and
receive the at least one reply message responsive to user input to the cell phone by the machine user.
5. The apparatus according to claim 1
receive the data corresponding to the card data responsive to user input to the automated banking machine by a first person, and
receive the at least one reply message responsive to user input to the cell phone by a second person, wherein the second person differs from the first person.
6. The apparatus according to claim 1 wherein the at least one inquiry message includes at least one of a phone call, an e-mail message, and a text message.
7. The apparatus according to claim 1 wherein the at least one host computer is operative to assess the user account a value corresponding to cash dispensed by the machine during the transaction.
8. The apparatus according to claim 7 and further comprising the automated banking machine, wherein the at least one remote computer is operative to communicate with the automated banking machine.
9. The apparatus according to claim 8 and further comprising the cell phone, wherein the at least one remote computer is operative to cause communication with the cell phone.
a self-service automated banking machine including:
wherein the card reader is operative to read from a card of a machine user, card data corresponding to a financial account linked in at least one data store with data corresponding to a cell phone that is operative to remotely grant permission for financial transactions requested on the financial account,
wherein the cash dispenser is operative to physically dispense from the machine, currency notes stored in the machine,
wherein the at least one machine computer is in operative connection with the card reader and the cash dispenser,
wherein the at least one machine computer is operative to communicate with at least one remote computer which includes at least one transaction host computer,
wherein the at least one machine computer includes at least one program configured to cause the machine to carry out a cash withdrawal transaction on the financial account without communicating with the cell phone,
wherein the at least one program sequentially causes during the transaction each of:
the card reader to read from the card, the card data corresponding to the financial account,
at least one transaction notification communication including a request for permission from the cell phone for the transaction to proceed, to be sent to the cell phone linked to the financial account corresponding to the card data read by the card reader,
the machine to receive from the at least one remote computer, at least one cell phone permission granted-based message corresponding to permission granted from the cell phone to allow the transaction to proceed,
the cash dispenser to operate to physically dispense from the machine responsive at least in part to the message received, currency notes corresponding to a cash amount requested in the transaction, and
the financial account to be assessed a monetary value associated with the dispense of currency notes by the cash dispenser.
11. The apparatus according to claim 10 wherein the automated banking machine is operative to carry out the cash withdrawal transaction independent of location of the cell phone throughout the transaction.
12. The apparatus according to claim 10 wherein the automated banking machine is not operative to communicate with the cell phone.
13. The apparatus according to claim 10 wherein the automated banking machine further includes:
wherein the at least one user input device is operative to receive a personal identification number (PIN) from the machine user,
wherein the at least one user input device is in operative connection with the at least one machine computer;
wherein the at least one program further causes during the transaction prior to the at least one transaction notification communication being sent:
the at least one user input device to receive the PIN.
14. The apparatus according to claim 13 wherein the at least one user input device includes a keypad.
15. The apparatus according to claim 13 wherein the at least one user input device includes a biometric reader.
16. The apparatus according to claim 10 and further comprising:
at least one host computer,
wherein the at least one host computer is located remotely from the automated banking machine,
wherein the at least one host computer is in operative connection with the at least one machine computer;
wherein the at least one data store is in operative connection with the at least one host computer;
wherein the at least one data store includes stored data associating data corresponding to the card data, the financial account, and contact information for the cell phone;
and wherein during the transaction the at least one machine computer is operative to cause data corresponding to the card data to be sent to the at least one host computer, and
wherein the at least one host computer is operative,
responsive at least in part to
the data corresponding to the card data, and
the stored data in the at least one data store,
determine that the card data corresponds to an authorized user account, and
cause the at least one transaction notification communication to be sent to the cell phone.
17. The apparatus according to claim 16 wherein the at least one transaction notification communication to the at least one cell phone includes a permission request corresponding to whether the transaction should be allowed to continue.
18. The apparatus according to claim 17 wherein the at least one transaction notification communication to the at least one cell phone includes a telephone call.
19. The apparatus according to claim 17 wherein the at least one transaction notification communication to the at least one cell phone includes a text message.
20. The apparatus according to claim 17 wherein the at least one transaction notification communication to the at least one cell phone includes an e-mail.
21. The apparatus according to claim 17 wherein the at least one host computer is operative to receive at least one reply message corresponding to a response from the at least one cell phone responsive to the at least one transaction notification communication, wherein the at least one reply message includes permission request response data.
22. The apparatus according to claim 21 wherein the at least one host computer is operative responsive to the permission request response data corresponding to an indication that the transaction should be allowed to continue, to cause the at least one cell phone permission granted-based message to be sent by the at least one host computer to the automated banking machine.
wherein the at least one computer is operative to communicate with a self-service automated banking machine including each of a reader device operative to read user data corresponding to a financial account, a cash dispenser selectively operative to cause cash stored in the machine to be dispensed from the machine, and at least one machine computer which is operative to cause financial transfers,
wherein the at least one data store is in operative connection with the at least one computer;
wherein the at least one data store includes in linked relation,
data corresponding to the financial account and
data corresponding to contact information for a cell phone associated with the financial account,
wherein the at least one computer
responsive at least in part to receiving from the machine, both
data corresponding to reader device-read user data, and
data corresponding to a request for a cash withdrawal transaction,
obtain the data corresponding to the contact information from the at least one data store, and
use the data corresponding to the contact information obtained to cause at least one user message to be sent to the cell phone during the transaction,
wherein the at least one computer is further operative to receive at least one reply message caused at least in part by at least one transaction-permitting phone message corresponding to a phone-inputted reply to the at least one user message,
wherein the at least one computer is further operative, prior to any communication between the cell phone and the machine during the transaction, to send at least one machine message to the machine,
wherein the at least one machine message allows the machine to operate in a manner that causes the cash dispenser to physically dispense from the machine, currency notes corresponding to a cash amount associated with the request,
wherein the at least one computer during the transaction is operative to both
receive the data corresponding to reader device-read user data, responsive to input provided to the machine by a first person, and
receive the at least one reply message caused at least in part by the at least one transaction-permitting phone message, responsive to phone input provided to the cell phone by a second person being both different from the first person and remotely located from the machine. Description
This application is a continuation of U.S. patent application Ser. No. 11/370,513 filed Mar. 7, 2006. Ser. No. 11/370,513 claims benefit pursuant to 35 U.S.C. §119(e) of Provisional Application No. 60/660,070 filed Mar. 9, 2005. Ser. No. 11/370,513 is a continuation-in-part of U.S. application Ser. No. 10/832,960 filed Apr. 27, 2004, which claims benefit pursuant to 35 U.S.C. §119(e) of Provisional Application No. 60/560,674 filed Apr. 7, 2004. Ser. No. 10/832,960 is also a continuation-in-part of U.S. application Ser. No. 10/601,813 filed Jun. 23, 2003, which claims benefit pursuant to 35 U.S.C. §119(e) of Provisional Application No. 60/429,478 filed Nov. 26, 2002. The disclosures of each of these applications is incorporated herein by reference.
It is an object of an exemplary embodiment to provide an automated banking machine. It is a further object of an exemplary embodiment to provide an automated banking machine which provides for reliable illumination of transaction areas while facilitating servicing of the machine.
It is a further object of an exemplary embodiment to provide an automated banking machine with an improved security system.
It is a further object of an exemplary embodiment to provide an automated banking machine with a Global Positioning System (GPS).
FIG. 6 is a partially transparent side view showing air flow through an air cooling opening of the machine
FIG. 4 shows schematically an exemplary software architecture which may be operative in the controller 72 of machine 10. The exemplary software architecture includes an operating system such as for example Microsoft® Windows, IBM OS/2® or Linux. The exemplary software architecture also includes an ATM application 82. The exemplary application includes the instructions for the operation of the automated banking machine and may include, for example, an Agilis™ 91× application that is commercially available from Diebold, Incorporated which is a cross vendor software application for operating ATMs. Further examples of software applications which may be used in some embodiments is shown in U.S. Pat. Nos. 6,289,320 and 6,505,177, the disclosures of which are incorporated herein by reference.
An exemplary embodiment includes an automated banking machine security arrangement. The automated banking machine (e.g., ATM) includes a Global Positioning System (GPS). An ATM with GPS can include self-service features enabling a user of the machine to carry out transactions. As previously discussed, an ATM can include a cash dispenser permitting a cash withdrawal transaction. As explained in more detail later, GPS (or some other position indicator) also enables more efficient servicing of an ATM. Systems and methods related to the monitoring, status, and servicing of ATMs may be found in U.S. Pat. No. 5,984,178, the entire disclosure of which is incorporated herein by reference.
It should be understood that the scope of the novel concepts for determining whether an automated banking machine was moved is not limited to the embodiments disclosed herein. For example, image recognition, land-based radar, and sound waves can also be used in determining whether an ATM was stolen. A camera unit can be fixedly mounted to periodically capture an image of an ATM. The camera unit can transmit the image to a security center. The security center can have an original image of the ATM stored in a database. The security center can use image recognition software to compare the image received from the camera unit to the image in storage. Likewise, data relating to land based radar and/or sound waves can be used in determination comparisons. If compared data does not match, then an appropriate response action can be initiated by the ATM, as previously discussed. Alternatively, one or more additional analyses may be performed to confirm that the ATM was actually stolen. The confirmation analyses may include security comparisons already discussed, including comparisons involving data related to movement sensors, phone cells, and/or ATM GPS.
If the location and/or timing of the requested ATM transaction is suspicious to the member then he can further investigate. For example, he may call his spouse for verification. If necessary, he can notify the ATM's bank and/or the police. Alternatively, the host (or the security service) may be programmed to notify proper authorities of a potential fraud in progress at the particular ATM Thus, the scenario is cardholder/fraud prevention-centric.
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