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 device, wherein the device includes a plurality of device ports and a network port,
wherein each of the card reader, keypad, cash dispenser and receipt printer is operatively connected to a respective one of the device ports,
wherein the network port is operative to communicate with a plurality of software device drivers operative on a remote computer, wherein the remote computer is remote from the automated banking machine,
wherein communication with a remotely operating card reader device driver causes operation of the card reader, wherein communication with a remotely operative cash dispenser device driver causes operation of the cash dispenser, and wherein communication with a remotely operative receipt printer device driver causes operation of the receipt printer.
2. The apparatus according to claim 1 wherein the device is operative to communicate messages through the network port with the remotely operative card reader device driver, wherein the messages are operative to cause the card reader to read data from a user card and to deliver the card data through the network port to the remotely operative card reader device driver.
3. The apparatus according to claim 2 wherein the device is operative to receive at least one first message from the remotely operative card reader device driver through the network port, wherein the at least one first message is operative to open a shutter to enable the card to enter the card reader.
4. The apparatus according to claim 3 wherein the card reader includes a sensor adjacent to an opening to the card reader and wherein the sensor is operative to cause at least one second message to be sent through the network port of the device to the remotely operative card reader device driver, wherein the at least one first message is received responsive at least in part to the at least one second message.
5. The apparatus according to claim 2 , wherein the network port of the device is further operative to communicate through the network port with a remotely operative keypad device driver operating in the remote computer,
wherein communication with the remotely operative keypad device driver through the network port is operative to enable the keypad to receive manual inputs through the keypad and deliver messages corresponding to the inputs through the network port to the remotely operative keypad device driver.
6. The apparatus according to claim 5 , wherein the network port of the device is operative to receive at least one first message from the remotely operative keypad device driver, wherein the at least one first message is operative to cause the keypad to encrypt the inputs received through the keypad.
7. The apparatus according to claim 6 , wherein the at least one first message received through the network port of the device from the remotely operative keypad device driver includes card data read from the card.
8. The apparatus according to claim 5 , wherein messages sent through the network port of the device to the remotely operative keypad device driver include a personal identification number (PN) data.
9. The apparatus according to claim 5 , wherein communication through the network port of the device with the remotely operative cash dispenser device driver is operative to cause the cash dispenser to dispense cash from the automated banking machine.
10. The apparatus according to claim 9 , wherein communication through the network port of the device with the remotely operative cash dispenser device driver, is operative to cause the cash dispenser to pick a bill from a note holding canister in the automated banking machine.
11. The apparatus according to claim 9 , wherein communications through the network port of the device with the remotely operative cash dispenser device driver is operative to cause the cash dispenser to retract bills previously dispensed by the cash dispenser.
12. The apparatus according to claim 9 , wherein communication through the network port of the device with the remotely operative receipt printer device driver is operative to cause the receipt printer to print a receipt corresponding to the dispensed cash.
13. The apparatus according to claim 12 , wherein communication through the network port of the device with the remotely operative receipt printer device driver is operative to cause the receipt printer to present the receipt from the automated banking machine.
14. The apparatus according to claim 12 , wherein one of the plurality of device ports of the device includes a display port, wherein the display port is in operative connection with the display.
15. The apparatus according to claim 14 , wherein communications through the network port of the device with the remote computer is operative to cause a plurality of outputs through the display.
16. The apparatus according to claim 15 , wherein each of the respective device ports in operative connection with the card reader, the keypad, the cash dispenser and a receipt printer, comprises a respective universal serial bus (USB) port.
17. The apparatus according to claim 16 , wherein the device is operative to communicate
USB communications with each of the card reader, the keypad, the cash dispenser and the receipt printer,
and display communications with the display,
wherein the network port is operative to communicate such USB communications and display communications with the remote computer using at least one remote client protocol through a TCP/IP network.
18. The apparatus according to claim 16 , wherein the automated banking machine includes a wireless interface, wherein the wireless interface is in operative connection with a USB port of the device, and wherein the network port is operative to communicate at least one USB message with the remote computer corresponding to communications through the wireless interface.
19. The apparatus according to claim 16 , wherein the messages received through the network port of the device from the plurality of remotely operative device drivers are received responsive to an automated banking machine application operating in the remote computer.
20. The apparatus according to claim 19 , wherein the messages received through the network port of the device are received responsive to at least one banking machine virtual machine operating on the remote computer.
21. The apparatus according to claim 19 , wherein the device comprises a portal device.
22. The apparatus according to claim 19 , and further comprising the remote computer, wherein the remote computer is operative to communicate messages including data corresponding to the card data and messages corresponding to the input PIN to a financial host computer, wherein the financial host computer is remotely located from both the automated banking machine and the remote computer, and wherein at least some of the cash dispenser device driver messages are sent to the automated banking machine responsive at least in part to communications between the remote computer and the financial host computer.
23. 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 cash dispenser,
a device, wherein the device includes a plurality of device ports and a network port,
wherein each of the card reader and cash dispenser is operatively connected to a respective one of the device ports,
wherein the device is operative to communicate, through a network in operative connection with the network port, device bus communications with a plurality of software device drivers operative on a remote computer, wherein the remote computer is remote from the automated banking machine,
wherein communication with a remotely operating card reader device driver causes operation of the card reader, wherein communication with a remotely operative cash dispenser device driver causes operation of the cash dispenser.