Method of authorizing automated banking machine use responsive to user data read from data bearing records
View Patent ↗An automated banking machine operates responsive to data read from data bearing records, such as user cards, to cause machine user authorization and financial transfers. Account data read from a user card is associated in a data store with instructions for displaying a customer interface uniquely associated with the particular bank where the user holds the account. The customer interface includes user-selectable financial transaction options. The arrangement enables the customer interface of the user's home bank, with which the user is familiar, to also be automatically displayed when the user operates automated banking machines of other banks.
1. A method carried out in connection with an apparatus including an automated banking machine that operates responsive at least in part to data read from data bearing records to cause financial transfers,
wherein the at least one automated banking machine includes at least one reader,
wherein the at least one reader is operative to read user data usable to identify a financial account,
wherein the at least one automated banking machine includes a cash dispenser,
wherein the cash dispenser is operative to dispense cash to authorized users of the machine,
wherein the at least one automated banking machine includes at least one user display,
wherein the apparatus includes at least one computer, wherein the at least one computer is operable to communicate with the at least one reader, the cash dispenser, and the at least one user display,
wherein the apparatus includes at least one virtual machine operable in the at least one computer,
wherein the at least one virtual machine includes automated banking machine controlling software that is operable in the at least one virtual machine to cause the at least one computer to control operation of the at least one automated banking machine,
wherein the method comprises:
a) through operation of the automated banking machine controlling software executing in the virtual machine that is operating in the at least one computer, causing the at least one computer to send in at least one communication to the at least one automated banking machine, at least one instruction that enables the at least one reader to read user data;
b) through operation of the automated banking machine controlling software executing in the virtual machine that is operating in the at least one computer, receiving in at least one communication from the at least one automated banking machine, at least one message that includes user data read by the at least one reader; and
c) through operation of the automated banking machine controlling software executing in the virtual machine that is operating in the at least one computer, causing the at least one computer to send in at least one communication to the at least one automated banking machine, at least one cash dispense instruction that causes the cash dispenser to dispense cash.
2. The method carried out in connection with the apparatus comprising the automated banking machine according to claim 1 , wherein in (a) the at least one reader includes a card reader.
3. The method carried out in connection with the apparatus comprising the automated banking machine according to claim 2 , wherein in (a) the at least one computer includes at least one Java environment software component, where the at least one Java environment software component includes the at least one virtual machine.
4. The method carried out in connection with the apparatus comprising the automated banking machine according to claim 3 , wherein in (a) the automated banking machine controlling software includes a device application portion that includes a plurality of Java applets.
5. The method carried out in connection with the apparatus comprising the automated banking machine according to claim 2 , wherein (a) includes the at least one computer communicating with the at least one automated banking machine through a network.
6. The method carried out in connection with the apparatus comprising the automated banking machine according to claim 5 , wherein (a) includes the at least one computer communicating with the at least one automated banking machine through an intranet.
7. The method carried out in connection with the apparatus comprising the automated banking machine according to claim 5 , wherein (a) includes the at least one computer sending the at least one communication to the at least one automated banking machine via a TCP/IP communication.
8. The method carried out in connection with the apparatus comprising the automated banking machine according to claim 1 , wherein in (a) the automated banking machine includes a different computer than the at least one computer, wherein the different computer is operative to communicate communications between the automated banking machine controlling software executing in the virtual machine and the at least one reader.
9. The method carried out in connection with the apparatus comprising the automated banking machine according to claim 8 , wherein in (a) the different computer includes a device interfacing portion operable in the different computer that causes the different computer to communicate the communications between the automated banking machine controlling software executing in the virtual machine and the at least one reader.
10. The method carried out in connection with the apparatus comprising the automated banking machine according to claim 1 , comprising:
d) through operation of the automated banking machine controlling software executing in the virtual machine that is operating in the at least one computer, causing the at least one computer to send in at least one communication to a financial transaction host, at least one transaction request message that includes the user data read by the at least one reader;
e) through operation of the automated banking machine controlling software executing in the virtual machine that is operating in the at least one computer, receiving from the financial transaction host, an authorization for a cash dispense transaction;
wherein (c) is carried out responsive at least in part to (e).
11. The method carried out in connection with the apparatus comprising the automated banking machine according to claim 1 , wherein the method comprises:
d) prior to (b) through operation of the automated banking machine controlling software executing in the virtual machine that is operating in the at least one computer, receiving in at least one communication from the at least one automated banking machine, at least one message that indicates that at least one reader has read user data;
e) prior to (b) through operation of the automated banking machine controlling software executing in the virtual machine that is operating in the at least one computer, causing the at least one computer to send in at least one communication to the at least one automated banking machine, at least one instruction that requests the user data read by the at least one reader;
wherein (b) is carried out responsive at least in part to (e).
12. A method carried out in connection with an apparatus including an automated banking machine that operates responsive at least in part to data read from data bearing records to cause financial transfers,
wherein the at least one automated banking machine includes at least one reader,
wherein the at least one reader is operative to read user data usable to identify a financial account,
wherein the at least one automated banking machine includes a cash dispenser,
wherein the cash dispenser is operative to dispense cash to authorized users of the machine,
wherein the at least one automated banking machine includes at least one user display,
wherein the apparatus includes at least one computer, wherein the at least one computer is operable to communicate with the at least one reader, the cash dispenser, and the at least one user display,
wherein the apparatus includes at least one virtual machine operable in the at least one computer,
wherein the at least one virtual machine includes automated banking machine controlling software that is operable in the at least one virtual machine to cause the at least one computer to control operation of the at least one automated banking machine,
wherein the method comprises:
a) through operation of the automated banking machine controlling software executing in the virtual machine that is operating in the at least one computer, receiving in at least one communication from the at least one automated banking machine, at least one message that includes user data read by the at least one reader;
b) through operation of the automated banking machine controlling software executing in the virtual machine that is operating in the at least one computer, causing the at least one computer to send in at least one communication to a financial transaction host, at least one transaction request message that includes the user data read by the at least one reader;
c) through operation of the automated banking machine controlling software executing in the virtual machine that is operating in the at least one computer, receiving from the financial transaction host, an authorization for a cash dispense transaction; and
d) through operation of the automated banking machine controlling software executing in the virtual machine that is operating in the at least one computer, causing the at least one computer to send in at least one communication to the at least one automated banking machine, at least one cash dispense instruction that causes the cash dispenser to dispense cash.
13. The method carried out in connection with the apparatus comprising the automated banking machine according to claim 12 , wherein the method comprises:
e) prior to (a) through operation of the automated banking machine controlling software executing in the virtual machine that is operating in the at least one computer, causing the at least one computer to send in at least one communication to the at least one automated banking machine, at least one instruction that enables the at least one reader to read user data;
f) prior to (a) through operation of the automated banking machine controlling software executing in the virtual machine that is operating in the at least one computer, receiving in at least one communication from the at least one automated banking machine, at least one message that indicates that at least one reader has read user data;
g) prior to (a) through operation of the automated banking machine controlling software executing in the virtual machine that is operating in the at least one computer, causing the at least one computer to send in at least one communication to the at least one automated banking machine, at least one instruction that requests the user data read by the at least one reader.
14. The method carried out in connection with the apparatus comprising the automated banking machine according to claim 12 , wherein in (a) the at least one reader includes a card reader.
15. The method carried out in connection with the apparatus comprising the automated banking machine according to claim 14 , wherein in (a) the at least one computer includes at least one Java environment software component, where the at least one Java environment software component includes the at least one virtual machine.
16. The method carried out in connection with the apparatus comprising the automated banking machine according to claim 15 , wherein in (a) the automated banking machine controlling software includes a device application portion that includes a plurality of Java applets.
17. The method carried out in connection with the apparatus comprising the automated banking machine according to claim 14 , wherein (a) includes the at least one computer communicating with the at least one automated banking machine through a network.
18. The method carried out in connection with the apparatus comprising the automated banking machine according to claim 17 , wherein (a) includes the at least one computer receiving the at least one communication from the at least one automated banking machine via a TCP/IP.
19. The method carried out in connection with the apparatus comprising the automated banking machine according to claim 12 , wherein in (a) the automated banking machine includes a different computer than the at least one computer, wherein the different computer is operative to communicate communications between the automated banking machine controlling software executing in the virtual machine and the at least one reader.
20. The method carried out in connection with the apparatus comprising the automated banking machine according to claim 19 , wherein in (a) the different computer includes a device interfacing portion operable in the different computer that causes the different computer to communicate the communications between the automated banking machine controlling software executing in the virtual machine and the at least one reader.