IP Library Granted Patent US 8,678,275
Granted Patent B1
US 8,678,275 · App. 13/622,734 · Granted Mar 25, 2014

Automated banking machine that operates responsive to data bearing records

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Quick Facts
Patent No.
US 8,678,275
App. No.
13/622,734
Granted
Mar 25, 2014
Kind
B1
Abstract

An automated banking machine system operates to cause financial transfers responsive to data read from data bearing records. The system is operative to read a financial card bearing account indicia with a card reader. A user is able to perform at least one banking operation responsive to account indicia read by the card reader from the card. The banking operations include dispensing cash and accessing financial accounts. The machine is operative to produce an audio output including verbal information through a headphone port to a headphone.

Claims (54)

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, including:

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 releasably operatively connected to the automated banking machine by a machine 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;

at least one input device; and

a display; and

at least one computer in operative connection with the hardware devices,

wherein the at least one computer is operative to cause the display to output at least one visual output including indicia on a background, which indicia is representative of 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 the at least one computer is operative to detect operative connection of the portable device and the external port,

wherein the at least one computer is operative responsive at least in part to the detection of the connection of the portable device and the external port, to at least one of:

cause at least portions of the at least one visible output to change from relatively lower to higher visible contrast between at least portions of the indicia and the background; and

output at least one user prompt through at least one of the display and the external port, wherein the at least one user prompt is indicative that at least one specified input through the at least one input device will cause a change in contrast in at least portions of the at least one visible output, and wherein the at least one computer is operative responsive at least in part to the receipt of the at least one specified input to cause at least portions of the at least one visible output to change from relatively lower to higher visible contrast between at least portions of the indicia and the background.

2. The apparatus according to claim 1 , wherein the external port is adapted to enable a headphone to be releasably connected with the automated banking machine.

3. The apparatus according to claim 1 , wherein the at least one computer is operative responsive at least in part to at least one further input received through operation of the at least one input device, to cause the at least portions of the at least one visible output to change from relatively higher to lower visible contrast between the at least portions of the indicia and the background.

4. The apparatus according to claim 1 , wherein to cause at least portions of the at least one visible output to change from relatively lower to higher visible contrast, the at least one computer is operative to cause at least portions of the indicia to change from being substantially not yellow to substantially yellow.

5. The apparatus according to claim 4 , wherein to cause the at least portions of the at least one visible output to change from relatively lower to higher visible contrast, the at least one computer is operative to cause at least portions of the background that surround at least portions of the indicia, to change from being substantially not black to substantially black.

6. The apparatus according to claim 5 , wherein to cause the at least portions of the at least one visible output to change from relatively lower to higher visible contrast, the at least one computer is operative to cause at least portions of the indicia to change from substantially black to substantially yellow.

7. The apparatus according to claim 1 , wherein the at least one computer is operative to detect operative disconnection of the portable device and the external port, wherein the at least one computer is operative responsive at least in part to the detection of operative disconnection of the portable device from the external port, to cause the at least portions of the at least one visible output through the display to change from relatively higher to lower visible contrast between at least portions of the indicia and the background.

8. The apparatus according to claim 7 , wherein to cause at least portions of the at least one visible output to change from relatively higher to lower visible contrast, the at least one computer is operative to cause at least portions of the indicia to change from substantially yellow to substantially not yellow.

9. The apparatus according to claim 8 , wherein to cause at least portions of the at least one visible output to change from relatively higher to lower visible contrast, the at least one computer is operative to cause at least portions of the background that surround the at least portions of the indicia to change from being substantially black to substantially not black.

10. The apparatus according to claim 9 wherein to cause at least portions of the at least one visible output to change from the relatively higher to lower visible contrast, the at least one computer is operative to cause the at least portions of the indicia to change from substantially yellow to substantially black.

11. The apparatus according to claim 10 , wherein the at least one computer is operative responsive at least in part to at least one further input received through operation of the at least one input device, to cause the at least portions of the at least one visible output to change from relatively lower to higher visible contrast between at least portions of the indicia and the background.

12. The apparatus according to claim 1 , wherein the at least one computer is operative responsive at least in part to receipt of at least one first input through the at least one input device to cause the display to not output visible information associated with a financial transaction, and concurrently to cause the external port to provide signals usable to produce audible outputs through the portable device which include verbal information associated with the financial transaction.

13. The apparatus according to claim 12 , wherein the at least one computer is operative responsive at least in part to the at least one first input to cause the display to output a message indicative that information not being shown through the display may be outputted through the display by providing at least one second input through the at least one input device.

14. The apparatus according to claim 12 , wherein the at least one computer is operative responsive at least in part to receipt of at least one second input to cause the display to output visible information associated with the financial transaction, and concurrently to cause the external port to provide signals usable to produce audible outputs through the portable speaker device which include verbal information associated with the financial transaction.

15. The apparatus according to claim 1 , wherein to cause the at least portions of the at least one visible output to change from relatively lower to higher visible contrast, the at least one computer is operative to cause at least portions of the indicia to have a larger relative size.

16. 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 of 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 provide signals usable to produce audio outputs through the portable device including verbal information that conveys the location of the user accessible portion of the at least one hardware device to a user using the automated banking machine.

17. The apparatus according to claim 1 , wherein the at least one computer is operative to cause at least one first audio output signal corresponding verbal instructions to be outputted through the external port, wherein the at least one computer is responsive at least in part to a further input through the at least one input device, to cause at least one second audio output signal to be outputted through the external port, wherein the at least one second audio output signal corresponds to a repeat of at least portions of verbal instructions.

18. The apparatus according to claim 17 , wherein the at least one second audio output signal corresponds to a repeat of a predetermined time amount of an ending portion of the verbal instructions.

19. 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, including:

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 releasably operatively connected to the automated banking machine by a machine 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;

at least one input device; and

a display; and

at least one computer in operative connection with the hardware devices,

wherein the at least one computer is operative to cause the display to output at least one visual output including indicia on a background, which indicia is representative of 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 the at least one computer is operative to detect operative connection of the portable device and the external port,

wherein the at least one computer is operative responsive at least in part to at least one of receipt of an input through the input device and detection of operative connection of the portable device and the external port, to cause at least portions of the indicia to change from being substantially not yellow to substantially yellow.

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, including:

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 releasably operatively 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;

at least one input device; and

a display; and

at least one computer in operative connection with the hardware devices,

wherein the at least one computer is operative to cause the display to output at least one visual output including indicia on a background, which indicia is representative of 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 the at least one computer is operative to detect an operative connection of the portable device and the external port,

wherein the at least one computer is operative responsive at least in part to the detection of operative connection of the portable device and the external port, to cause at least portions of the indicia to change from a first color to a second color, wherein the second color is a substantially different hue than the first color.

Assignments (23)
TERMINATION AND RELEASE OF PATENT SECURITY AGREEMENT RECORDED AT R/F 066599/0767 Recorded Dec 19, 2024
From: PNC BANK, NATIONAL ASSOCIATION, AS AGENT
To: DIEBOLD SELF-SERVICE SYSTEMS; DIEBOLD NIXDORF, INCORPORATED
Reel/Frame 069743/0497 →
TERMINATION AND RELEASE OF SECURITY INTEREST IN PATENTS RECORDED AT R/F 066545/0078 Recorded Dec 19, 2024
From: GLAS AMERICAS LLC, AS COLLATERAL AGENT
To: DIEBOLD NIXDORF, INCORPORATED
Reel/Frame 069743/0001 →
SECURITY INTEREST Recorded Dec 18, 2024
From: DIEBOLD NIXDORF, INCORPORATED
To: REGIONS BANK, AS COLLATERAL AGENT
Reel/Frame 069738/0001 →
SECURITY INTEREST Recorded Dec 18, 2024
From: DIEBOLD NIXDORF, INCORPORATED
To: GOLDMAN SACHS BANK USA, AS COLLATERAL AGENT
Reel/Frame 069740/0014 →
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded Dec 9, 2024
From: DIEBOLD SELF-SERVICE SYSTEMS
To: DIEBOLD NIXDORF, INCORPORATED
Reel/Frame 069889/0890 →
SECURITY INTEREST Recorded Feb 14, 2024
From: DIEBOLD NIXDORF, INCORPORATED; DIEBOLD SELF-SERVICE SYSTEMS
To: PNC BANK, NATIONAL ASSOCIATION
Reel/Frame 066599/0767 →
SECURITY INTEREST Recorded Feb 9, 2024
From: DIEBOLD NIXDORF, INCORPORATED
To: GLAS AMERICAS LLC, AS COLLATERAL AGENT
Reel/Frame 066545/0078 →
TERMINATION AND RELEASE OF SECURITY INTEREST IN PATENTS (2026 NOTES REEL/FRAME 062299/0794) Recorded Aug 18, 2023
From: GLAS AMERICAS LLC, AS COLLATERAL AGENT
To: DIEBOLD NIXDORF, INCORPORATED
Reel/Frame 064642/0202 →
TERMINATION AND RELEASE OF SECURITY INTEREST IN PATENTS (2025 EUR NOTES REEL/FRAME 053271/0067) Recorded Aug 18, 2023
From: GLAS AMERICAS LLC, AS COLLATERAL AGENT
To: DIEBOLD NIXDORF, INCORPORATED
Reel/Frame 064641/0836 →
TERMINATION AND RELEASE OF SECURITY INTEREST IN PATENTS (2025 USD NOTES REEL/FRAME 053270/0783) Recorded Aug 18, 2023
From: GLAS AMERICAS LLC, AS COLLATERAL AGENT
To: DIEBOLD NIXDORF, INCORPORATED
Reel/Frame 064642/0001 →
TERMINATION AND RELEASE OF SECURITY INTEREST IN PATENTS (NEW TERM LOAN REEL/FRAME 062299/0717) Recorded Aug 18, 2023
From: GLAS AMERICAS LLC, AS COLLATERAL AGENT
To: DIEBOLD NIXDORF, INCORPORATED
Reel/Frame 064642/0288 →
TERMINATION AND RELEASE OF SECURITY INTEREST IN PATENTS (R/F 062299/0618) Recorded Jun 16, 2023
From: GLAS AMERICAS LLC
To: DIEBOLD NIXDORF, INCORPORATED
Reel/Frame 064008/0852 →
TERMINATION AND RELEASE OF SECURITY INTEREST IN PATENTS Recorded Jun 7, 2023
From: JPMORGAN CHASE BANK, N.A.
To: DIEBOLD NIXDORF, INCORPORATED
Reel/Frame 064021/0405 →
RELEASE OF SECURITY INTEREST IN PATENTS INTELLECTUAL PROPERTY Recorded Jan 10, 2023
From: JPMORGAN CHASE BANK, N.A., AS AGENT
To: DIEBOLD NIXDORF, INCORPORATED (F/K/A DIEBOLD, INCORPORATED); DIEBOLD SELF-SERVICE SYSTEMS
Reel/Frame 062338/0429 →
NOTICE OF SUCCESSOR AGENT AND ASSIGNMENT OF SECURITY INTEREST (INTELLECTUAL PROPERTY) - USD NOTES Recorded Jan 6, 2023
From: U.S. BANK NATIONAL ASSOCIATION, AS THE RESIGNING AGENT; DIEBOLD NIXDORF, INCORPORATED, AS GRANTOR; DIEBOLD SELF-SERVICE SYSTEMS, AS GRANTOR
To: GLAS AMERICAS LLC, AS THE SUCCESSOR AGENT
Reel/Frame 062308/0499 →
NOTICE OF SUCCESSOR AGENT AND ASSIGNMENT OF SECURITY INTEREST (INTELLECTUAL PROPERTY) - EUR NOTES Recorded Jan 6, 2023
From: U.S. BANK TRUSTEES LIMITED, AS RESIGNING AGENT; DIEBOLD NIXDORF, INCORPORATED, AS GRANTOR; DIEBOLD SELF-SERVICE SYSTEMS, AS GRANTOR
To: GLAS AMERICAS LLC, AS THE SUCCESSOR AGENT
Reel/Frame 062308/0587 →
PATENT SECURITY AGREEMENT - 2026 NOTES Recorded Jan 5, 2023
From: DIEBOLD NIXDORF, INCORPORATED
To: GLAS AMERICAS LLC, AS COLLATERAL AGENT
Reel/Frame 062299/0794 →
PATENT SECURITY AGREEMENT - SUPERPRIORITY Recorded Jan 5, 2023
From: DIEBOLD NIXDORF, INCORPORATED
To: GLAS AMERICAS LLC, AS COLLATERAL AGENT
Reel/Frame 062299/0618 →
PATENT SECURITY AGREEMENT - TERM LOAN Recorded Jan 5, 2023
From: DIEBOLD NIXDORF, INCORPORATED
To: GLAS AMERICAS LLC, AS COLLATERAL AGENT
Reel/Frame 062299/0717 →
SECURITY INTEREST (ABL) Recorded Dec 29, 2022
From: DIEBOLD NIXDORF, INCORPORATED
To: JPMORGAN CHASE BANK, N.A., AS COLLATERAL AGENT
Reel/Frame 062250/0387 →
CORRECTIVE ASSIGNMENT TO CORRECT THE RECEIVING PARTY NAME PREVIOUSLY RECORDED ON REEL 044013 FRAME 0486. ASSIGNOR(S) HEREBY CONFIRMS THE CHANGE FROM DIEBOLD NIXDORF, INCORPORATED TODIEBOLD SELF-SERVICE SYSTEMS DIVISION OF DIEBOLD NIXDORF, INCORPORATED. Recorded Aug 27, 2020
From: DIEBOLD SELF-SERVICE SYSTEMS DIVISION OF DIEBOLD, INCORPORATED
To: DIEBOLD SELF-SERVICE SYSTEMS DIVISION OF DIEBOLD NIXDORF, INCORPORATED
Reel/Frame 053622/0112 →
SECURITY INTEREST (NOTES) Recorded Jul 21, 2020
From: DIEBOLD NIXDORF, INCORPORATED (F/K/A DIEBOLD, INCORPORATED); DIEBOLD SELF-SERVICE SYSTEMS
To: U.S. BANK NATIONAL ASSOCIATION, AS COLLATERAL AGENT
Reel/Frame 053270/0783 →
SECURITY INTEREST (NOTES) Recorded Jul 21, 2020
From: DIEBOLD NIXDORF, INCORPORATED (F/K/A DIEBOLD, INCORPORATED); DIEBOLD SELF-SERVICE SYSTEMS
To: U.S. BANK TRUSTEES LIMITED
Reel/Frame 053271/0067 →