Card activated cash dispensing automated banking machine system and method

Patent metadata

Field	Value
Publication number	US-9230247-B2
Application number	US-201414452466-A
Country	US
Kind code	B2
Filing date	Aug 5, 2014
Priority date	Apr 17, 1998
Publication date	Jan 5, 2016
Grant date	Jan 5, 2016

Abstract

An automated banking machine system operates to cause financial transfers responsive to data read from data bearing records. The system is operative to read a financial card bearing account indicia with a card reader. A user is enabled to perform at least one banking operation responsive to account indicia read from the card. Such banking operations may include dispensing cash and accessing financial accounts. A user is also enabled to perform at least one banking operation responsive to financial account data communicated to the automated banking machine from a mobile phone.

First claim

What is claimed is:

1. An apparatus, comprising:
an automated banking machine that comprises
a wireless access point;
a fascia; and
a plurality of cash dispenser outlets mounted on the fascia that are operatively coupled with the wireless access point;
wherein the wireless access point is operable to concurrently communicate with a plurality of wireless devices requesting a cash withdrawal corresponding to the plurality of cash dispenser outlets; and
wherein the plurality of cash dispensers are operable to dispense cash.

2. The apparatus according to claim 1 , further comprising a plurality of identifying devices;
wherein the plurality of identifying devices are operable to determine an identity associated with a user adjacent to the plurality of cash dispenser outlets.

3. The apparatus according to claim 2 , wherein the wireless access point communicates with a first of the plurality of wireless devices associated with a first of the plurality of cash dispenser outlets requesting a first cash withdrawal transaction, and a second of the plurality of wireless devices associated with a second of the plurality of cash dispenser outlets requesting a second cash withdrawal transaction;
wherein a first identifying device associated with the first of the plurality of cash dispenser outlets waits for a first input corresponding to the first cash withdrawal transaction;
wherein cash for the first cash withdrawal transaction is provided at the first cash dispenser outlet responsive to receiving the first input;
wherein a second identifying device associated with the second of the plurality of cash dispenser outlets waits for a second input corresponding to the second cash withdrawal transaction; and
wherein cash for the second cash withdrawal transaction is provided at the second cash dispenser outlet responsive to receiving g the second input.

4. The apparatus according to claim 2 , wherein at least one of the plurality of identifying devices comprises a biometric reader.

5. The apparatus according to claim 2 , wherein the biometric reader includes a fingerprint scanner.

6. The apparatus according to claim 5 , wherein the automated banking machine further includes a data store; and
wherein the automated banking machine is operable to verify a fingerprint scan obtained via the biometric reader corresponds to an authorized user of a wireless device at the at least one of the plurality of identifying devices.

7. The apparatus according to claim 2 , wherein the identifying device comprises a bar code scanner.

8. The apparatus according to claim 2 , wherein the identifying device comprises an infra-red scanner.

9. The apparatus according to claim 2 , wherein the identifying device comprises a card reader.

10. The apparatus according to claim 2 , wherein the identifying device is operable to correlate a wireless device to a user.

11. The apparatus according to claim 2 , wherein the identifying device identifiers a user from a digital certificate.

12. The apparatus according to claim 1 , wherein the automated banking machine is operable to communicate with a remote system to determine whether a cash withdrawal transaction is authorized.

13. The apparatus according to claim 1 , further operable to allow at least one of the plurality of users to purchase digital information or content.

14. The apparatus according to claim 1 , wherein the wireless access point is operable to send message to a selected one of the plurality of wireless devices indicating that transaction is authorized.

15. The apparatus according to claim 1 , further comprising:
a single cash dispenser; and
a plurality of presenters corresponding to the plurality of cash dispenser outlets;
wherein cash is provided from the single cash dispenser to an appropriate one of the plurality of presenters corresponding to a selected one of the plurality of cash dispenser outlets.

16. The apparatus according to claim 1 , where the plurality of cash dispenser outlets are spaced apart along the fascia such that different users may be able to stand adjacent to different cash dispenser outlets simultaneously.

Assignees

• Diebold Inc
• Diebold Self Service Sys

Inventors

• Drummond Jay Paul
• Smith Mark D
• Ramachandran Natarajan

Classifications

• G07F19/20

  Automatic teller machines [ATMs] · CPC title

• G06Q20/3223

  Realising banking transactions through M-devices · CPC title

• G06Q20/327

  Short range or proximity payments by means of M-devices · CPC title

• G07F17/16

  for devices exhibiting advertisements, announcements, pictures or the like · CPC title

• G06Q20/18

  involving self-service terminals [SST], vending machines, kiosks or multimedia terminals · CPC title