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 is operative to output a visual and audible user interface which enables a consumer to operate the machine. The exemplary machine may output secure verbal instructions through a wireless headphone placed in operative connection with the machine.
1. Apparatus comprising:
an automated banking machine sound system apparatus that is configured to be installed in an automated banking machine that is operative responsive at least in part to data read from data bearing records to cause financial transfers, wherein the 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; and
a display;
a cash dispenser;
a keypad;
a receipt printer; and
a headphone jack, wherein the headphone jack receives electrical audio output signals from the automated banking machine and responsive at least in part to the audio output signals is operative to provide jack signals usable to produce via headphones connected with the headphone jack audible instructions describing
manual inputs receivable by the automated banking machine and operative to cause the automated banking machine to carry out transaction functions;
wherein the sound system apparatus includes at least one controller, wherein the controller is configured to receive the audio output signals;
wherein the at least one controller is operative responsive at least in part to audio output signals to cause the sound system apparatus to output wireless communications receivable with an external wireless device that is operative to output audible sounds corresponding to such audible instructions.
2. The apparatus according to claim 1 , wherein the sound system apparatus includes a wireless communication device, wherein the at least one controller is operative to cause the wireless communication device to operate in order to output the wireless communications.
3. The apparatus according to claim 2 , wherein the at least one controller is operative to determine information including an address associated with the external wireless device responsive at least in part to communications with the automated banking machine.
4. The apparatus according to claim 3 , wherein the at least one controller is operative responsive at least in part to the determined address to operate the wireless communication device to output the wireless communications.
5. The apparatus according to claim 2 , wherein the external wireless device includes a headphone.
6. The apparatus according to claim 2 , wherein the at least one controller is operative to carry out a handshaking protocol with the external wireless device to establish wireless encrypted communications with the external wireless device, which protocol enables the external wireless device to decrypt the audio signals included in the wireless encrypted communications.
7. The apparatus according to claim 6 , wherein the at least one controller is operative to receive a code from the automated banking machine, wherein the at least one controller is operative to cause the wireless communication device to communicate the code to the external wireless device in order to establish with the external wireless device, the wireless encrypted communications.
8. The apparatus according to claim 6 , wherein the sound system apparatus includes a card that is installable in the automated banking machine.
9. The apparatus according to claim 6 , wherein the automated banking machine includes at least one processor in operative connection with the card reader, the display, the cash dispenser, the keypad, the receipt printer, and the sound system apparatus, wherein the at least one processor is operative to cause the at least one controller to cause the wireless communication device to establish wireless encrypted communications with the external wireless device responsive at least in part to data read from a user card through operation of the card reader.
10. The apparatus according to claim 9 , wherein the at least one processor is responsive at least in part to data read from the user card to determine an encryption key associated with the external wireless device, wherein the at least one processor is operative to use the encryption key to cause the at least one controller to cause the wireless communication device to establish the wireless encrypted communications with the external wireless device.
11. The apparatus according to claim 9 , wherein the at least one processor is responsive at least in part to data read from the user card to determine a digital certificate associated with the external wireless device, wherein the at least one processor is operative to use the digital certificate to cause the at least one controller to cause the wireless communication device to establish the wireless encrypted communications with the external wireless device.
12. The apparatus according to claim 9 , wherein the at least one processor is operative to cause the at least one controller to cause the wireless communication device to communicate a unique code to the external wireless device, wherein responsive at least in part to the automated banking machine receiving an input of the unique code, the at least one processor is operative to cause the at least one controller to cause the wireless communication device to establish the encrypted wireless communications with the external wireless device.
13. The apparatus according to claim 9 , wherein responsive at least in part to a biometric input received with the automated banking machine, the at least one processor is operative to cause the at least one controller to cause the wireless communication device to establish the encrypted wireless communications with the external wireless device.
14. The apparatus according to claim 9 , wherein the automated banking machine includes at least one external loudspeaker, wherein the at least one processor is operative to cause the at least one controller to cause the at least one external loudspeaker to produce audible outputs, wherein responsive at least in part to establishing wireless communications with the external wireless device, the at least one controller is operative to mute audible outputs through the at least one external loudspeaker.
15. Apparatus comprising:
an automated banking machine sound system apparatus that is configured to be installed in 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 and includes:
a plurality of input devices including:
a card reader, wherein the card reader is operative to read card data from user cards, wherein the card data corresponds to financial accounts; and
a keypad;
a display;
a cash dispenser; and
a receipt printer; and
at least one processor, wherein the at least one processor is operative to communicate with the input devices, the display, the cash dispenser, and the receipt printer, wherein the at least one processor is operative responsive at least in part to an input received through operation of at least one of the input devices to cause electrical output audio signals to be produced, wherein the electrical output audio signals are usable to produce verbal instructions describing respectively different inputs that when received through operation of the at least one input device, cause the automated banking machine to carry out respectively different functions;
wherein the sound system apparatus includes at least one controller and at least one wireless communication device,
wherein the at least one controller is operative responsive at least in part to the electrical output audio signals to cause the wireless communication device to output wireless communications receivable with an external wireless device, wherein the wireless device is operative to output audible sounds corresponding to the verbal instructions.
16. The apparatus according to claim 15 , wherein the sound system apparatus is operative to connect to a headphone jack included in the automated banking machine.
17. The apparatus according to claim 16 , wherein the at least one controller is responsive at least in part to communications with the automated banking machine to cause the sound system apparatus to output the output audio signals through the headphone jack.
18. The apparatus according to claim 15 , wherein the sound system apparatus includes a card that is installable in the automated banking machine.
19. The apparatus according to claim 15 , wherein the external wireless device includes a headphone.
20. A method of updating an automated banking machine that is operative responsive at least in part to data read from data bearing records to cause financial transfers and includes:
a card reader, wherein the card reader is configured to read card data from user cards,
wherein the card data corresponds to financial accounts;
at least one input device;
a display;
a cash dispenser,
a receipt printer; and
at least one processor, wherein the at least one processor is configured to operate responsive at least in part to an input received through operation of the at least one input device to cause electrical output audio signals to be produced, wherein the electrical output audio signals are usable to produce verbal instructions, wherein the verbal instructions describe a plurality of different inputs that when received through operation of the at least one input device, cause the automated banking machine to carry out different functions;
wherein the method comprises:
a) installing an automated banking machine sound system apparatus in the automated banking machine, wherein the sound system apparatus includes at least one controller and at least one wireless communication device; and
b) operatively connecting the at least one controller and the at least one processor such that the at least one controller is configured to receive the electrical output audio signals, wherein the at least one controller is configured to operate responsive at least in part to the electrical output audio signals, to cause the wireless communication device to output wireless communications receivable with an external wireless device configured to output audible sounds corresponding to the verbal instructions.