IP Library Granted Patent US 7,988,041
Granted Patent B1
US 7,988,041 · App. 12/924,748 · Granted Aug 2, 2011

Automated banking machine that operates responsive to data bearing records

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Quick Facts
Patent No.
US 7,988,041
App. No.
12/924,748
Granted
Aug 2, 2011
Kind
B1
Abstract

An automated banking machine operates to carry out financial transfers responsive to data read form data bearing records. The machine includes a card reader that operates to read data from user cards. The card data corresponds to financial accounts. The automated banking machine further includes a cash dispenser. The machine is operative to dispense cash to an authorized user based on identifying data including card data, and to cause a financial transfer from an account corresponding to card data through communication with at least one remote computer. The machine is operative to acquire data usable to configure a computer in the machine produce an audio signal including verbal information through the headphone port. The verbal information conveys the location of a user accessible portion of the at least one transaction function device.

Claims (26)

1. An automated banking machine that operates responsive to data read from data bearing records to cause financial transactions, comprising:

a plurality of hardware devices, each including a user accessible portion that is accessible to a user operating the automated banking machine, wherein the hardware devices include:

a headphone port;

a plurality of transaction function devices including:

a card reader operative to read card data on user cards corresponding to financial accounts;

a cash dispenser; and

a key pad;

at least one computer in operative connection with the at least one headphone port and the plurality of transaction function devices;

at least one data store that includes data indicative of relative locations of the user accessible portions of a plurality of the hardware devices; and

a sound configuration software component operative in the at least one computer to acquire from the data store data indicative of a location of a user accessible portion of at least one of the transaction function devices in the automated banking machine, wherein the sound configuration software component is operative in the at least one computer responsive to the acquired data to configure the at least one computer to output audio signals including verbal information through the headphone port, which verbal information conveys the location of the user accessible portion of the at least one transaction function device to a user using the automated banking machine.

2. The machine according to claim 1 , wherein the at least one transaction function device for which verbal information regarding the location of the user accessible portion is conveyed, includes the cash dispenser.

3. The machine according to claim 1 , wherein the at least one transaction function device for which verbal information regarding the location of the user accessible portion is conveyed, includes the card reader.

4. The machine according to claim 1 , wherein the at least one transaction function device for which verbal information regarding the location of the user accessible portion is conveyed, includes the keypad.

5. The machine according to claim 1 , wherein the sound configuration software component is operative in the at least one computer responsive to the acquired data to configure the at least one computer to output audio signals including verbal information through the headphone port, which verbal information conveys the location of the user accessible portion of the at least one transaction function device relative to a second location on the automated banking machine.

6. The machine according to claim 5 , wherein the second location corresponds to a user accessible location of one of the hardware devices.

7. The machine according to claim 6 , wherein the automated banking machine includes a display screen, wherein the second location corresponds to a location of the display screen.

8. The machine according to claim 7 , wherein the sound configuration software component is operative to store the data indicative of the relative locations of the user accessible portions of the plurality of the transaction function devices in the data store, which stored data is acquired by the sound configuration software component from a user through operation of an input device of the automated banking machine.

9. The machine according to claim 1 , wherein the sound configuration software component is operative in the at least one computer to acquire further data indicative of a type of the at least one transaction function device, wherein the sound configuration software component is operative in the at least one computer responsive to the acquired further data to configure the at least one computer to output audio signals including verbal information through the headphone port, which verbal information conveys how to use the type of the at least one device.

10. The machine according to claim 9 , wherein the at least one transaction function device includes a card reader, wherein the sound configuration software component is operative to configure the at least one computer responsive to the further acquired data to convey how to use a card reader of a type corresponding to at least one of an insert reader, a swipe reader, a vertical DIP reader, and a horizontal DIP reader.

11. The machine according to claim 1 , wherein the sound configuration software component is operative to store the data indicative of the location of the user accessible portion of the at least one transaction function device in the data store, which stored data is acquired by the sound configuration software component from a user through operation of an input device of the automated banking machine.

12. Computer readable media bearing computer executable instructions of a sound configuration software component operative to cause at least one computer in an automated banking machine that includes a plurality of hardware devices that include a headphone port and a plurality of transaction function devices, and that operates to cause financial transfers responsive to data read from data bearing records, to carry out a method comprising:

a) acquiring from a data store in the automated banking machine that includes data indicative of relative locations of user accessible portions of a plurality of the hardware devices, data indicative of a location of a user accessible portion of at least one of the transaction function devices in the automated banking machine, wherein the transaction function devices include: a card reader operative to read card data on user cards corresponding to financial accounts; a cash dispenser; and a key pad;

b) responsive to the acquired data, configuring the at least one computer to output audio signals including verbal information through the headphone port, which verbal information conveys the location of the user accessible portion of the at least one transaction function device to a user using the automated banking machine.

13. The computer readable media according to claim 12 , wherein at least one of the hardware devices includes at least one input device, comprising:

c) prior to (a), receiving inputs from a user through operation of the at least one input device, which inputs indicate the relative locations of user accessible portions of the plurality of the hardware devices

d) responsive to (c), storing in the data store the data indicative of the relative locations of user accessible portions of the plurality of the hardware devices.

Assignments (25)
TERMINATION AND RELEASE OF PATENT SECURITY AGREEMENT RECORDED AT R/F 066599/0767 Recorded Dec 19, 2024
From: PNC BANK, NATIONAL ASSOCIATION, AS AGENT
To: DIEBOLD SELF-SERVICE SYSTEMS; DIEBOLD NIXDORF, INCORPORATED
Reel/Frame 069743/0497 →
TERMINATION AND RELEASE OF SECURITY INTEREST IN PATENTS RECORDED AT R/F 066545/0078 Recorded Dec 19, 2024
From: GLAS AMERICAS LLC, AS COLLATERAL AGENT
To: DIEBOLD NIXDORF, INCORPORATED
Reel/Frame 069743/0001 →
SECURITY INTEREST Recorded Dec 18, 2024
From: DIEBOLD NIXDORF, INCORPORATED
To: REGIONS BANK, AS COLLATERAL AGENT
Reel/Frame 069738/0001 →
SECURITY INTEREST Recorded Dec 18, 2024
From: DIEBOLD NIXDORF, INCORPORATED
To: GOLDMAN SACHS BANK USA, AS COLLATERAL AGENT
Reel/Frame 069740/0014 →
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded Dec 9, 2024
From: DIEBOLD SELF-SERVICE SYSTEMS
To: DIEBOLD NIXDORF, INCORPORATED
Reel/Frame 069889/0890 →
SECURITY INTEREST Recorded Feb 14, 2024
From: DIEBOLD NIXDORF, INCORPORATED; DIEBOLD SELF-SERVICE SYSTEMS
To: PNC BANK, NATIONAL ASSOCIATION
Reel/Frame 066599/0767 →
SECURITY INTEREST Recorded Feb 9, 2024
From: DIEBOLD NIXDORF, INCORPORATED
To: GLAS AMERICAS LLC, AS COLLATERAL AGENT
Reel/Frame 066545/0078 →
TERMINATION AND RELEASE OF SECURITY INTEREST IN PATENTS (NEW TERM LOAN REEL/FRAME 062299/0717) Recorded Aug 18, 2023
From: GLAS AMERICAS LLC, AS COLLATERAL AGENT
To: DIEBOLD NIXDORF, INCORPORATED
Reel/Frame 064642/0288 →
TERMINATION AND RELEASE OF SECURITY INTEREST IN PATENTS (2025 EUR NOTES REEL/FRAME 053271/0067) Recorded Aug 18, 2023
From: GLAS AMERICAS LLC, AS COLLATERAL AGENT
To: DIEBOLD NIXDORF, INCORPORATED
Reel/Frame 064641/0836 →
TERMINATION AND RELEASE OF SECURITY INTEREST IN PATENTS (2025 USD NOTES REEL/FRAME 053270/0783) Recorded Aug 18, 2023
From: GLAS AMERICAS LLC, AS COLLATERAL AGENT
To: DIEBOLD NIXDORF, INCORPORATED
Reel/Frame 064642/0001 →
TERMINATION AND RELEASE OF SECURITY INTEREST IN PATENTS (2026 NOTES REEL/FRAME 062299/0794) Recorded Aug 18, 2023
From: GLAS AMERICAS LLC, AS COLLATERAL AGENT
To: DIEBOLD NIXDORF, INCORPORATED
Reel/Frame 064642/0202 →
TERMINATION AND RELEASE OF SECURITY INTEREST IN PATENTS (R/F 062299/0618) Recorded Jun 16, 2023
From: GLAS AMERICAS LLC
To: DIEBOLD NIXDORF, INCORPORATED
Reel/Frame 064008/0852 →
TERMINATION AND RELEASE OF SECURITY INTEREST IN PATENTS Recorded Jun 7, 2023
From: JPMORGAN CHASE BANK, N.A.
To: DIEBOLD NIXDORF, INCORPORATED
Reel/Frame 064021/0405 →
RELEASE OF SECURITY INTEREST IN PATENTS INTELLECTUAL PROPERTY Recorded Jan 10, 2023
From: JPMORGAN CHASE BANK, N.A., AS AGENT
To: DIEBOLD NIXDORF, INCORPORATED (F/K/A DIEBOLD, INCORPORATED); DIEBOLD SELF-SERVICE SYSTEMS
Reel/Frame 062338/0429 →
NOTICE OF SUCCESSOR AGENT AND ASSIGNMENT OF SECURITY INTEREST (INTELLECTUAL PROPERTY) - USD NOTES Recorded Jan 6, 2023
From: U.S. BANK NATIONAL ASSOCIATION, AS THE RESIGNING AGENT; DIEBOLD NIXDORF, INCORPORATED, AS GRANTOR; DIEBOLD SELF-SERVICE SYSTEMS, AS GRANTOR
To: GLAS AMERICAS LLC, AS THE SUCCESSOR AGENT
Reel/Frame 062308/0499 →
NOTICE OF SUCCESSOR AGENT AND ASSIGNMENT OF SECURITY INTEREST (INTELLECTUAL PROPERTY) - EUR NOTES Recorded Jan 6, 2023
From: U.S. BANK TRUSTEES LIMITED, AS RESIGNING AGENT; DIEBOLD NIXDORF, INCORPORATED, AS GRANTOR; DIEBOLD SELF-SERVICE SYSTEMS, AS GRANTOR
To: GLAS AMERICAS LLC, AS THE SUCCESSOR AGENT
Reel/Frame 062308/0587 →
PATENT SECURITY AGREEMENT - SUPERPRIORITY Recorded Jan 5, 2023
From: DIEBOLD NIXDORF, INCORPORATED
To: GLAS AMERICAS LLC, AS COLLATERAL AGENT
Reel/Frame 062299/0618 →
PATENT SECURITY AGREEMENT - 2026 NOTES Recorded Jan 5, 2023
From: DIEBOLD NIXDORF, INCORPORATED
To: GLAS AMERICAS LLC, AS COLLATERAL AGENT
Reel/Frame 062299/0794 →
PATENT SECURITY AGREEMENT - TERM LOAN Recorded Jan 5, 2023
From: DIEBOLD NIXDORF, INCORPORATED
To: GLAS AMERICAS LLC, AS COLLATERAL AGENT
Reel/Frame 062299/0717 →
SECURITY INTEREST (ABL) Recorded Dec 29, 2022
From: DIEBOLD NIXDORF, INCORPORATED
To: JPMORGAN CHASE BANK, N.A., AS COLLATERAL AGENT
Reel/Frame 062250/0387 →
CORRECTIVE ASSIGNMENT TO CORRECT THE RECEIVING PARTY NAME PREVIOUSLY RECORDED ON REEL 044013 FRAME 0486. ASSIGNOR(S) HEREBY CONFIRMS THE CHANGE FROM DIEBOLD NIXDORF, INCORPORATED TODIEBOLD SELF-SERVICE SYSTEMS DIVISION OF DIEBOLD NIXDORF, INCORPORATED. Recorded Aug 27, 2020
From: DIEBOLD SELF-SERVICE SYSTEMS DIVISION OF DIEBOLD, INCORPORATED
To: DIEBOLD SELF-SERVICE SYSTEMS DIVISION OF DIEBOLD NIXDORF, INCORPORATED
Reel/Frame 053622/0112 →
SECURITY INTEREST (NOTES) Recorded Jul 21, 2020
From: DIEBOLD NIXDORF, INCORPORATED (F/K/A DIEBOLD, INCORPORATED); DIEBOLD SELF-SERVICE SYSTEMS
To: U.S. BANK TRUSTEES LIMITED
Reel/Frame 053271/0067 →
SECURITY INTEREST (NOTES) Recorded Jul 21, 2020
From: DIEBOLD NIXDORF, INCORPORATED (F/K/A DIEBOLD, INCORPORATED); DIEBOLD SELF-SERVICE SYSTEMS
To: U.S. BANK NATIONAL ASSOCIATION, AS COLLATERAL AGENT
Reel/Frame 053270/0783 →
CHANGE OF NAME Recorded Sep 26, 2017
From: DIEBOLD SELF-SERVICE SYSTEMS DIVISION OF DIEBOLD, INCORPORATED
To: DIEBOLD NIXDORF, INCORPORATED
Reel/Frame 044013/0486 →
PATENT SECURITY AGREEMENT Recorded Aug 17, 2016
From: DIEBOLD, INCORPORATED; DIEBOLD SELF SERVICE SYSTEMS
To: JPMORGAN CHASE BANK, N.A., AS ADMINISTRATIVE AGENT
Reel/Frame 039723/0548 →