Automated banking machine that operates responsive to data bearing records
View Patent ↗An automated banking machine operates to carry out financial transfers responsive to data read from 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 produce an audio output including verbal information through a headphone port to a headphone.
1. Apparatus comprising:
an automated banking machine that operates responsive at least in part to data read from data bearing records to cause financial transfers, including:
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 card reader operative to read card data on user cards corresponding to financial accounts;
an external port, wherein the external port is adapted to enable a portable device to be releasibly connected to the automated banking machine by a user in order for the user to privately hear through the portable device audible information associated with transactions carried out with the automated banking machine; and
a display;
at least one computer in operative connection with the hardware devices, wherein the at least one computer is operative to cause the automated banking machine to operate to provide the user with a plurality of selectable operational options, each of which the at least one computer is operative to cause the automated banking machine to carry out,
wherein the at least one computer is operative to cause
the display to output visible information associated with a first financial transaction, and concurrently the external port to cause an audible output through the portable device which includes verbal information associated with the first financial transaction; and
the display not to output visible information associated with a second financial transaction, and concurrently the external port to cause an audible output through the portable device which includes verbal information associated with the second financial transaction.
2. The apparatus according to claim 1 , wherein the at least one computer is operative to cause
the display to output visible information associated with a third financial transaction, and concurrently the external port to not cause an audible output through the portable device which includes verbal information associated with the third financial transaction.
3. The apparatus according to claim 1 , wherein the plurality of hardware devices include at least one input device, wherein the at least one computer is operative to determine whether the portable device is connected to the external port, wherein responsive at least in part to a determination that the portable device is connected to the external port, the at least one computer is operative to cause
financial information previously outputted through the display to not be outputted through the display, and cause the display to output a message that indicates that information not being shown through the display may be outputted through the display by providing an input through the at least one input device of the automated banking machine.
4. The apparatus according to claim 3 , wherein the at least one computer is operative to cause the display to output visible instructions that describe operation of the automated banking machine, wherein the at least one computer is operative to cause the external port to cause an audible output through the portable device which includes verbal instructions that describe operation of the automated banking machine.
5. The apparatus according to claim 4 , wherein the visible instructions and the verbal instructions prompt a user to provide the at least one input through the at least one input device.
6. The apparatus according to claim 5 , wherein the at least one input corresponds to an amount of value.
7. The apparatus according to claim 6 , wherein the hardware devices include a cash dispenser, wherein the at least one computer is operative to cause the cash dispenser to dispense cash in an amount that corresponds to the amount of value.
8. The apparatus according to claim 6 , wherein the hardware devices include a depository mechanism, wherein the at least one computer is operative to cause the depository mechanism to accept at least one item which is associated with the amount of value.
9. The apparatus according to claim 8 , wherein the at least one item includes a check.
10. The apparatus according to claim 3 , wherein the at least one computer is operative to cause the display to output visible information that includes an amount of value, wherein the at least one computer is operative to cause the external port to cause an audible output through the portable device which includes verbal information including the amount of value.
11. The apparatus according to claim 10 , wherein the amount of value includes an account balance.
12. The apparatus according to claim 3 , wherein the portable device includes a headphone.
13. The apparatus according to claim 3 , wherein responsive at least in part to a determination that the portable device is connected to the external port, the at least one computer is operative to cause the display to output an advertisement.
14. The apparatus according to claim 3 , wherein responsive at least in part to a determination that the portable device is connected to the external port, the at least one computer is operative to cause the display to output a message indicating that information is not being shown through the display while the portable device is connected to the external port.
15. The apparatus according to claim 1 , wherein the at least one computer includes:
at least one data store that includes data indicative of relative locations of user accessible portions of at least some of the plurality of 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 hardware devices in the automated banking machine, wherein the sound configuration software component is operative in the at least one computer responsive at least in part to the acquired data to configure the at least one computer to cause the external port to produce an audio output including verbal information that conveys the location of the user accessible portion of the at least one hardware device to the user using the automated banking machine.
16. The apparatus according to claim 15 , wherein the hardware devices include a cash dispenser, wherein the at least one hardware device for which verbal information regarding the location of the user accessible portion is conveyed, includes the cash dispenser.
17. The apparatus according to claim 15 , wherein the at least one hardware device for which verbal information regarding the location of the user accessible portion is conveyed, includes the card reader.
18. The apparatus according to claim 15 , wherein the hardware devices include a keypad, wherein the at least one hardware device for which verbal information regarding the location of the user accessible portion is conveyed, includes the keypad.
19. The apparatus according to claim 15 , wherein the hardware devices include an input device, wherein the sound configuration software component is operative to cause the at least one computer to store the data indicative of the location of the user accessible portion of the at least one hardware device in the data store, wherein the sound configuration software component is operative to cause the at least one computer to acquire the stored data from a user through operation of an input device of the automated banking machine.
20. Apparatus comprising:
an automated banking machine that operates responsive at least in part to data read from data bearing records to cause financial transfers, including:
a plurality of hardware devices, wherein the hardware devices include:
a card reader operative to read card data on user cards corresponding to financial accounts;
at least one input device;
an external port, wherein the external port is adapted to enable a portable device to be releasibly connected to the automated banking machine by a user in order for the user to privately hear through the portable device audible information associated with transactions carried out with the automated banking machine; and
a display;
at least one computer in operative connection with the hardware devices, wherein the at least one computer is operative to determine whether the portable device is connected to the external port, wherein the at least one computer is operative to cause the automated banking machine to operate to provide the user with a plurality of selectable operational options, each of which the at least one computer is operative to cause the automated banking machine to carry out,
wherein responsive at least in part to a determination that the portable device is connected to the external port, the at least one computer is operative to cause:
the display to initially not output visible information associated with a first financial transaction, and concurrently the external port to cause audible outputs through the portable device which include verbal information associated with the first financial transaction;
at least one of the display and the portable device to output a message that indicates that information not being shown through the display may be outputted through the display by providing an input through the at least one input device;
the display to begin to output visible information associated with the first financial transaction responsive at least in part to the at least one input, and concurrently the external port to continue to cause audible outputs through the portable device which include verbal information associated with the first financial transaction.
21. Apparatus comprising:
an automated banking machine that operates responsive at least in part to data read from data bearing records to cause financial transfers, including:
a plurality of hardware devices, wherein the hardware devices include:
a card reader operative to read card data on user cards corresponding to financial accounts;
at least one input device;
an external port, wherein the external port is adapted to enable a portable device to be releasibly connected with the automated banking machine by a user in order for the user to privately hear through the portable device audible information associated with transactions carried out with the automated banking machine; and
a display;
at least one computer in operative connection with the hardware devices, wherein the at least one computer is operative to determine whether the portable device is in operative connection with the machine through the external port, wherein the at least one computer is operative to cause the automated banking machine to operate to provide the user with a plurality of selectable operational options, each of which operational options the at least one computer is operatively configured to cause the automated banking machine to carry out,
wherein responsive at least in part to a determination by the at least one computer that the portable device is in operative connection with the machine,
the at least one computer is operative responsive at least in part to at least one input through the at least one input device, to selectively cause either:
transaction data audibly output through the portable device and associated with a financial transaction being carried out through operation of the machine, to be visibly output through the display, or
the transaction data not to be visibly output through the display.