Banking system controlled responsive to data bearing records
View Patent ↗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 operative to read card data from user cards corresponding to financial accounts. The automated banking machine includes a display and a printer to produce records of financial transactions carried out with the machine. The automated banking machine may also include a portal device that is operative to cause the display, card reader and other devices in the machine to operate in response to communications through the portal device.
1. Apparatus comprising:
an automated banking machine, wherein the automated banking machine is operative responsive at least in part to data read from data bearing records to cause financial transfers, wherein the automated banking machine includes:
a card reader, wherein the card reader is operative to read card data from user cards, wherein the card data corresponds to financial accounts,
a display,
a cash dispenser,
a keypad, and
a receipt printer,
a portal device, wherein the portal device includes a plurality of device ports including at least one display port, and at least one network port,
wherein each of the card reader, cash dispenser, keypad and receipt printer are in operative connection with respective ones of the device ports,
and are operative to communicate device bus communications through the respective device ports,
wherein the portal device is operative to communicate the device bus communications through the at least one network port via a network protocol with a remote computer,
wherein the device bus communications through the portal device are operative to cause
the card reader to operate to read card data from a user card corresponding to a financial account,
the cash dispenser to operate to dispense an amount of cash from the machine, and
the receipt printer to operate to print a receipt, wherein the receipt includes indicia corresponding to the amount of cash dispensed.
2. The apparatus according to claim 1 , wherein at least one first device bus communication received from the remote computer through the at least one network port of the portal device is operative to cause the card reader to read the card data from the user card.
3. The apparatus according to claim 2 , wherein at least one second device bus communication received from the remote computer through the at least one network port of the portal device, different from the at least one first device bus communication, is operative to cause the cash dispenser to operate to dispense the amount of cash.
4. The apparatus according to claim 2 , wherein at least one third device bus communication received from the remote computer through the at least one network port of the portal device, different from the at least one first device bus communication and the at least one second device bus communication, is operative to cause the receipt printer to print the receipt.
5. The apparatus according to claim 4 , wherein the plurality of device ports include universal serial bus (USB) ports, wherein the device bus communications include USB communications, wherein the portal device is operative to carry out a remote client protocol with the remote computer to receive and send the USB communications between the automated banking machine and the remote computer.
6. The apparatus according to claim 5 , wherein the automated banking machine includes a chest, wherein at least a portion of the cash dispenser extends in the chest, wherein the automated banking machine includes a display module, wherein the display module includes a housing, wherein the housing includes the display and the portal device, wherein the display module is mounted in operatively supported connection with the automated banking machine outside the chest.
7. The apparatus according to claim 6 , wherein the housing of the display module includes a plurality of external ports, wherein the cash dispenser and receipt printer are operatively connected to the external ports of the display module, wherein the external ports are operatively connected to respective ports of the portal device within the housing of the display module.
8. The apparatus according to claim 7 , wherein the housing includes the card reader, wherein the card reader is operatively connected to a USB port of the portal device, wherein the portal device is within the housing of the display module.
9. The apparatus according to claim 6 , wherein the housing includes an encrypting pin pad integrated therein, wherein the encrypting pin pad includes the key pad, wherein the encrypting pin pad is operatively connected to a port of the portal device, wherein the portal device is within the housing of the display module.
10. The apparatus according to claim 5 , wherein the USB communications include card reader communications, wherein the portal device is operative to communicate the card reader communications received from the remote computer through the network port to the card reader, wherein the portal device is operative to send the card reader communications received from the card reader to the remote computer through the network port.
11. The apparatus according to claim 5 , wherein the USB communications include cash dispenser communications, wherein the portal device is operative to communicate the cash dispenser communications received from the remote computer through the network port, to the cash dispenser, wherein the portal device is operative to send the cash dispenser communications received from the cash dispenser to the remote computer through the network port.
12. The apparatus according to claim 5 , further comprising the remote computer, wherein the remote computer is in operative connection with the automated banking machine through a network,
wherein the remote computer includes at least one server processor,
wherein the network protocol includes TCP/IP,
wherein the remote computer includes at least one operating system operative in the at least one server processor,
wherein the remote computer includes at least one automated banking machine software component operative in the last one server processor, wherein the at least one automated banking machine software component is operatively configured to generate a first USB communication for a first device in the automated banking machine, wherein the remote computer is operative to send the first USB communication to the portal device of the automated banking machine through the network, wherein the first USB communication is operative to cause the first device in the automated banking machine to carry out a first device function.
13. The apparatus according to claim 12 , wherein the first device includes the card reader, wherein the first device function includes the card reader returning a card to a user.
14. The apparatus according to claim 12 , wherein the first device includes the cash dispenser, wherein the first device function includes the cash dispenser dispensing cash.
15. The apparatus according to claim 12 , wherein the at least one automated banking machine software component includes at least one application software component and at least one device driver software component.
16. The apparatus according to claim 4 , wherein the automated banking machine includes a chest, further comprising a USB token in operative connection with a port of the portal device, wherein the token and at least a portion of the cash dispenser are located in the chest, wherein the portal device is not located in the chest, wherein the token includes authentication information stored thereon.
17. The apparatus according to claim 16 , wherein the token includes a token processor, wherein the token processor is operative to use the authentication information to carry out authentication communications with the remote computer.
18. The apparatus according to claim 16 , wherein the portal device is operative to authenticate at least a portion of the authentication information stored on the token prior to permitting device bus communications associated with the devices to be communicated to the remote computer.
19. Apparatus comprising:
an automated banking machine, wherein the automated banking machine is operative responsive at least in part to data read from data bearing records to cause financial transfers, wherein the automated banking machine includes:
a card reader, wherein the card reader is operative to read card data from user cards, wherein the card data corresponds to financial accounts,
a display,
a cash dispenser,
a keypad,
a receipt printer, and
a portal device, wherein the portal device includes a plurality of ports including at least one display port, and at least one network port, and a plurality of universal serial bus (USB) device ports,
wherein each of the card reader, cash dispenser, keypad and receipt printer are in operative connection with respective ones of the USB device ports, and are operative to send and receive respective USB device bus communications that are communicated through the respective USB device ports,
wherein the portal device is operative to send and receive the respective USB device bus communications for the respective card reader, cash dispenser, keypad and receipt printer to and from a remote server through the at least one network port via network protocol communications,
wherein at least a portion of the respective USB device bus communications that are communicated through the portal device are operative to respectively cause:
the card reader to operate to read card data from a user card corresponding to a financial account;
the cash dispenser to operate to dispense an amount of cash from the machine; and
the receipt printer to operate to print a receipt, wherein the receipt includes indicia corresponding to the amount of cash dispensed.
20. The apparatus according to claim 19 , further comprising the remote server,
wherein the remote server is in operative connection with the portal device included in the automated banking machine through a network,
wherein the remote server includes at least one server processor,
wherein the remote server includes a plurality of virtual machines operative in the at least one processor,
wherein the at least one virtual machine includes at least one operating system,
wherein the at least one virtual machine includes at least one automated banking machine software component operative in the at least one operating system,
wherein the at least one automated banking machine software component is operatively configured to cause the respective USB device bus communications that are sent from the remote server to the respective card reader, cash dispenser, keypad and receipt printer to be generated by the remote server.