Automated banking machine controlled responsive to data bearing records
View Patent ↗A system controlled responsive to data bearing records includes a card reader that is operative to read card data from user cards including financial account data, and causes operation of an automated banking machine to carry out financial transactions responsive to the account data. The automated banking machine is operative to access at least one network. The automated banking machine is operative to receive a gift card code from a machine user, where the code is correlated with a monetary value in a data store. In response to receiving the code, the machine operates to dispense a non-currency gift card that is redeemable at a merchant for the monetary value in at least one of goods or services.
1. Apparatus comprising:
an automated banking machine,
wherein the machine includes at least one input device and at least one dispenser device,
wherein the at least one input device includes at least one user data reader operable to read user data usable to identify a financial account on which financial transactions can be carried out,
wherein the at least one dispenser device includes a cash dispenser and a gift card dispenser,
wherein the machine is associated with at least one computer in operative connection with at least one remote data store including unused gift card codes that were provided in electronic greeting cards and are respectively correlated in the at least one remote data store with a respective monetary value,
wherein responsive to the at least one input device receiving from a user of the machine, a gift card code stored in the at least one remote data store, the machine is operable to cause the gift card dispenser to dispense a non-currency gift card having the monetary value correlated in the at least one remote data store with the gift card code received,
wherein the non-currency gift card dispensed is redeemable at least one merchant for at least one of goods or services for an amount corresponding to the monetary value,
wherein the machine is operable to cause the at least one remote data store to be modified to reflect use of the gift card code received.
2. The apparatus according to claim 1 wherein the automated banking machine is part of a banking system,
wherein the machine includes the at least one computer,
wherein the at least one user data reader includes both
a card reader, and
a biometric reader,
wherein the at least one computer is operative during a user transaction session with the machine to
cause card data to be read from a card through operation of the card reader, and then cause the read card data to be compared with card information stored in at least one information data store, and
cause biometric data to be read through operation of the biometric reader, and then cause the read biometric data to be compared with biometric information in the at least one information data store,
wherein the at least one computer is operative to authorize the user to request a financial transaction involving the cash dispenser responsive at least in part to both
computer-determined correspondence between the read card data and stored card information, and
computer-determined correspondence between the read biometric data and stored biometric information,
wherein the at least one computer is operative to cause data corresponding to at least a portion of read card data to be sent in at least one first message to at least one remote computer remotely located from the machine,
wherein the at least one computer is operative to allow cash to be dispensed from the machine responsive at least in part to receipt by the at least one computer of at least one second message from the at least one remote computer.
3. The apparatus according to claim 1 wherein the machine is operable to both provide a tangible gift card having the monetary value and then cause the gift card dispenser to dispense the tangible gift card.
4. The apparatus according to claim 3 wherein the machine is operable to prepare the gift card having the monetary value.
5. The apparatus according to claim 4 wherein the machine includes at least one printer, wherein the machine is operable to prepare the gift card by printing indicia on a card.
6. The apparatus according to claim 4 wherein the machine is operable to prepare the gift card by creating a gift card.
7. The apparatus according to claim 4 wherein the machine is operable to prepare the gift card by imparting monetary value to a card.
8. The apparatus according to claim 7 wherein the machine is operable to impart the monetary value to the card through wireless communication.
9. The apparatus according to claim 8 wherein the machine is operable to impart the monetary value to the card through radio frequency (RF) communication.
10. The apparatus according to claim 4 wherein the machine is operable to prepare the gift card through use of radio frequency (RF) communication.
11. Apparatus comprising:
an automated banking machine,
wherein the machine includes at least one user input device,
wherein the at least one user input device includes at least one data reader,
wherein the at least one data reader is operable to read user data usable to identify a financial account on which financial transactions can be carried out,
wherein the at least one user input device is operable to receive a gift card code from a user of the machine,
wherein the machine is associated with at least one gift card data store that correlates respective gift card codes and respective monetary values,
wherein the machine is operable to impart to a tangible card during creating a non-currency gift card, a monetary value correlated in the at least one gift card data store with a gift card code received by the at least one user input device,
wherein the machine includes at least one dispenser device,
wherein the at least one dispenser device is operable to dispense from the machine, a created non-currency gift card redeemable at least one merchant for at least one of goods or services for an amount corresponding to the imparted monetary value,
wherein the at least one dispenser device includes a cash dispenser operable to dispense cash to an authorized machine user during a financial transaction associated with a financial account identified through use of user data read by the at least one data reader.
12. The apparatus according to claim 11 wherein the machine is operable to impart monetary value to a card through wireless communication.
13. The apparatus according to claim 12 wherein the machine is operable to impart monetary value to a card through radio frequency (RF) communication.
14. The apparatus according to claim 11 wherein the machine includes at least one printer,
wherein the machine is operable during creating a gift card, to cause the at least one printer to print indicia on a card.
15. The apparatus according to claim 11 wherein the at least one gift card data store correlates respective monetary values and respective unused electronic greeting card-provided gift card codes, and wherein the at least one user input device is operable to receive an electronic greeting card-provided gift card code from a user of the machine.
16. The apparatus according to claim 15 wherein the machine is operable to cause the at least one gift card data store to be modified to reflect use of a gift card code.
17. The apparatus according to claim 11 wherein the machine is operable to create and dispense merchant-specific gift cards for each of a plurality of different merchants.
18. Apparatus comprising:
an automated banking machine,
wherein the machine includes at least one user input device,
wherein the at least one user input device includes at least one data reader,
wherein the at least one data reader is operable to read user data usable to identify a financial account on which financial transactions can be carried out,
wherein the machine includes at least one dispenser device,
wherein the at least one dispenser device includes a cash dispenser,
wherein the machine is operable
responsive to the at least one user input device receiving user input that corresponds to a gift card code which is correlated in at least one gift card data store with a monetary value,
to dispense a non-currency gift card redeemable at least one merchant for an amount in at least one of goods or services corresponding to the monetary value.
19. The apparatus according to claim 18 wherein the machine is operable to cause the at least one gift card data store to be modified to reflect use of a received gift card code.
20. The apparatus according to claim 18 wherein the machine is operable to add the monetary value to a card prior to dispensing the card as a non-currency gift card.