Banking system controlled responsive to data bearing records
View Patent ↗An apparatus that operates to cause financial transfers responsive to data read from data bearing records, includes at least one processor that is in operative connection with a card reader, a check acceptor, a cash dispenser and a display. The at least one processor causes the machine to operate to read card data from a user card, and to cause a determination to be made that the read card data corresponds to an authorized financial account. The at least one processor is operative to cause data to be read from a check and/or cash to be dispensed, and a financial transfer to or from the account corresponding to the value thereof. Machine instructions are output and user transaction inputs can be received through either a primary or an auxiliary touch screen display.
1. Apparatus comprising:
an automated banking machine that is operative to cause financial transfers responsive at least in part to data read from data bearing records, wherein the machine includes
a card reader, wherein the card reader is operative to read card data, wherein the card data corresponds to a financial account,
a touch screen display, wherein the touch screen display includes an input touch surface,
a cash dispenser,
at least one processor associated with the machine, wherein the at least one processor is in operative connection with the card reader, the touch screen display and the cash dispenser,
wherein the at least one processor is operative to cause
a determination to be made that card data read from a user card through operation of the card reader corresponds to a financial account on which a transaction is authorized to be conducted through operation of the machine,
responsive at least in part to the determination, the cash dispenser to operate to cause cash to be dispensed from the machine,
the financial account to be assessed a value associated with the dispensed cash,
wherein the at least one processor is operative to cause selectable visible indicia corresponding to a transaction option to be output through the touch screen display,
wherein the at least one processor is operative to receive an input corresponding to user selection of the transaction option responsive at least in part to user touch contact with an area of the touch surface corresponding to the selectable visible indicia,
wherein the at least one processor is operative to move the selectable visible indicia on the touch screen display responsive to receipt of at least one user input through touch contact with the touch surface,
wherein the at least one user input includes a first user input corresponding to finger movement in a finger direction in maintained engagement with the touch surface, in an area of the touch surface away from where the output selectable visible indicia,
wherein the at least one processor is operative responsive at least in part to the first user input to cause the selectable visible indicia to move in an indicia direction corresponding to the finger direction,
wherein the touch surface extends in generally a vertical plane, and wherein the indicia direction includes at least one of up, down, left and right,
wherein the finger movement of the first user input is operative to cause the at least one processor to cause the selectable visible indicia to move to a new location on the touch screen display,
wherein the input corresponding to user selection of the transaction option is received responsive to user touch contact in an area of the touch surface corresponding to the new location, and
wherein the at least one processor is operative to cause output of the selectable visible indicia to at least one of change rotational orientation relative to the machine and change distorted condition, responsive at least in part to at least one touch input received through the touch surface.
2. The apparatus according to claim 1
wherein the at least one processor is operative to cause the selectable visible indicia to move responsive at least in part to at least one user input including finger movement in maintained engagement with the touch surface in an area of the touch surface away from the output selectable visible indicia.
3. The apparatus according to claim 1
wherein the at least one processor is operative responsive at least in part to the first user input to cause the selectable visible indicia to be moved in the indicia direction an indicia relocation distance,
wherein the indicia relocation distance has a corresponding relationship to a finger engagement distance of finger movement in maintained engagement with the touch surface during the first user input.
4. The apparatus according to claim 3
wherein the selectable visible indicia is movable a plurality of times during a transaction responsive to a plurality of user inputs,
wherein responsive at least in part to each user input the at least one processor is operative to cause the selectable visible indicia to move in a respective indicia direction corresponding to the finger direction associated with the respective user input, and an indicia relocation distance corresponding to a finger engagement distance associated with the respective user input.
5. The apparatus according to claim 1
wherein the at least one processor is operative to cause output of the selectable visible indicia to change size responsive at least in part to at least one touch input through the touch surface.
6. The apparatus according to claim 1
wherein the machine includes an auxiliary touch screen display, wherein the auxiliary touch screen display is separate from the touch screen display,
wherein the at least one processor is operative to cause the selectable visible indicia to be output through the auxiliary touch screen display responsive to at least one touch input through the touch surface.
7. The apparatus according to claim 6
wherein the auxiliary touch screen display is positioned relatively vertically lower than the touch screen display.
8. The apparatus according to claim 7
wherein the auxiliary touch screen display includes an auxiliary touch screen display touch surface, wherein the auxiliary touch screen display touch surface extends at an angle of at least 90 degrees relative to the touch surface of the touch screen display.
9. The apparatus according to claim 1
wherein the at least one processor is operative to cause data corresponding to the selectable visible indicia to be communicated to a portable wireless device in operative connection with the machine, responsive at least in part to receipt of at least one touch input through the touch surface.
10. The apparatus according to claim 1
wherein the machine includes an auxiliary touch input device, wherein the auxiliary touch input device is separate from the touch screen display and is in operative connection with the at least one processor, wherein the at least one processor is operative to cause at least one visible graphic indicator to be output through the touch screen display and to be positioned responsive at least in part to at least one touch input through the auxiliary touch input device.
11. The apparatus according to claim 10
wherein the at least one processor is operative to receive the input corresponding to user selection of the transaction option, responsive at least in part to at least one touch input through the auxiliary touch input device that causes the graphic visible indicator to be positioned on the touch screen display in a position corresponding to the selectable visible indicia.
12. The apparatus according to claim 10
wherein the at least one processor is operative to cause size change of the selectable visible indicia output through the touch screen display, responsive at least in part to at least one touch input received through the auxiliary touch input device.
13. The apparatus according to claim 10
wherein the at least one processor is operative to cause relocation of the selectable visible indicia output through the touch screen display, responsive at least in part to at least one touch input received through the auxiliary touch input device.
14. The apparatus according to claim 10
wherein the at least one processor is operative to receive data responsive to vibrational inputs from a portable vibrating device in contact with at least one of the touch screen display and the auxiliary touch input device.
15. The apparatus according to claim 10
wherein the machine includes an auxiliary touch screen display separate from the touch screen display, and wherein the auxiliary touch screen display includes the auxiliary touch input device.
16. The apparatus according to claim 15
wherein the at least one processor is operative to receive the input corresponding to user selection of the transaction option responsive at least in part to user touch contact with at least one of the auxiliary touch screen display and the touch screen display.
17. The apparatus according to claim 16
wherein the machine includes a secure touch screen display module, wherein the secure touch screen display module includes at least one of the touch screen display and the auxiliary touch screen display.
18. Apparatus comprising:
an automated banking machine that is operative to cause financial transfers responsive at least in part to data read from data bearing records, wherein the machine includes
a card reader, wherein the card reader is operative to read card data, wherein the card data corresponds to a financial account,
a touch screen display, wherein the touch screen display includes an input touch surface,
a cash dispenser,
at least one processor associated with the machine, wherein the at least one processor is in operative connection with the card reader, the touch screen display and the cash dispenser,
wherein the at least one processor is operative to cause
a determination to be made that card data read from a user card through operation of the card reader corresponds to a financial account on which a transaction is authorized to be conducted through operation of the machine,
responsive at least in part to the determination, the cash dispenser to operate to cause cash to be dispensed from the machine,
the financial account to be assessed a value associated with the dispensed cash,
wherein the at least one processor is operative to cause selectable visible indicia corresponding to a transaction option to be output through the touch screen display,
wherein the at least one processor is operative to receive an input corresponding to user selection of the transaction option responsive at least in part to user touch contact with an area of the touch surface corresponding to the selectable visible indicia,
wherein the at least one processor is operative to move the selectable visible indicia on the touch screen display responsive to receipt of at least one user input through touch contact with the touch surface,
wherein the at least one user input includes a first user input corresponding to finger movement in a finger direction in maintained engagement with the touch surface, in an area of the touch surface away from where the output selectable visible indicia,
wherein the at least one processor is operative responsive at least in part to the first user input to cause the selectable visible indicia to move in an indicia direction corresponding to the finger direction,
wherein the touch surface extends in generally a vertical plane, and wherein the indicia direction includes at least one of up, down, left and right,
wherein the finger movement of the first user input is operative to cause the at least one processor to cause the selectable visible indicia to move to a new location on the touch screen display,
wherein the machine includes an auxiliary touch screen display, wherein the auxiliary touch screen display is separate from the touch screen display, and
wherein the at least one processor is operative to cause the selectable visible indicia to be output through the auxiliary touch screen display responsive to at least one touch input through the touch surface.
19. The apparatus according to claim 18
wherein the at least one processor is operative to cause the selectable visible indicia to move responsive at least in part to at least one user input including finger movement in maintained engagement with the touch surface in an area of the touch surface away from the output selectable visible indicia.
20. The apparatus according to claim 18
wherein the at least one processor is operative responsive at least in part to the first user input to cause the selectable visible indicia to be moved in the indicia direction an indicia relocation distance,
wherein the indicia relocation distance has a corresponding relationship to a finger engagement distance of finger movement in maintained engagement with the touch surface during the first user input.
21. The apparatus according to claim 20
wherein the selectable visible indicia is movable a plurality of times during a transaction responsive to a plurality of user inputs,
wherein responsive at least in part to each user input the at least one processor is operative to cause the selectable visible indicia to move in a respective indicia direction corresponding to the finger direction associated with the respective user input, and an indicia relocation distance corresponding to a finger engagement distance associated with the respective user input.
22. The apparatus according to claim 18
wherein the at least one processor is operative to cause output of the selectable visible indicia to change size responsive at least in part to at least one touch input through the touch surface.
23. The apparatus according to claim 18
wherein the auxiliary touch screen display is positioned relatively vertically lower than the touch screen display.
24. The apparatus according to claim 23
wherein the auxiliary touch screen display includes an auxiliary touch screen display touch surface, wherein the auxiliary touch screen display touch surface extends at an angle of at least 90 degrees relative to the touch surface of the touch screen display.
25. The apparatus according to claim 18
wherein the at least one processor is operative to cause data corresponding to the selectable visible indicia to be communicated to a portable wireless device in operative connection with the machine, responsive at least in part to receipt of at least one touch input through the touch surface.
26. The apparatus according to claim 18
wherein the machine includes an auxiliary touch input device, wherein the auxiliary touch input device is separate from the touch screen display and is in operative connection with the at least one processor, wherein the at least one processor is operative to cause at least one visible graphic indicator to be output through the touch screen display and to be positioned responsive at least in part to at least one touch input through the auxiliary touch input device.
27. The apparatus according to claim 26
wherein the at least one processor is operative to receive the input corresponding to user selection of the transaction option, responsive at least in part to at least one touch input through the auxiliary touch input device that causes the graphic visible indicator to be positioned on the touch screen display in a position corresponding to the selectable visible indicia.
28. The apparatus according to claim 26
wherein the at least one processor is operative to cause size change of the selectable visible indicia output through the touch screen display, responsive at least in part to at least one touch input received through the auxiliary touch input device.
29. The apparatus according to claim 26
wherein the at least one processor is operative to cause relocation of the selectable visible indicia output through the touch screen display, responsive at least in part to at least one touch input received through the auxiliary touch input device.
30. The apparatus according to claim 26
wherein the at least one processor is operative to receive data responsive to vibrational inputs from a portable vibrating device in contact with at least one of the touch screen display and the auxiliary touch input device.
31. The apparatus according to claim 26
wherein the machine includes an auxiliary touch screen display separate from the touch screen display, and wherein the auxiliary touch screen display includes the auxiliary touch input device.
32. The apparatus according to claim 31
wherein the at least one processor is operative to receive the input corresponding to user selection of the transaction option responsive at least in part to user touch contact with at least one of the auxiliary touch screen display and the touch screen display.
33. The apparatus according to claim 32
wherein the machine includes a secure touch screen display module, wherein the secure touch screen display module includes at least one of the touch screen display and the auxiliary touch screen display.
34. Apparatus comprising:
an automated banking machine that is operative to cause financial transfers responsive at least in part to data read from data bearing records, wherein the machine includes
a card reader, wherein the card reader is operative to read card data, wherein the card data corresponds to a financial account,
a touch screen display, wherein the touch screen display includes an input touch surface,
a cash dispenser,
at least one processor associated with the machine, wherein the at least one processor is in operative connection with the card reader, the touch screen display and the cash dispenser,
wherein the at least one processor is operative to cause
a determination to be made that card data read from a user card through operation of the card reader corresponds to a financial account on which a transaction is authorized to be conducted through operation of the machine,
responsive at least in part to the determination, the cash dispenser to operate to cause cash to be dispensed from the machine,
the financial account to be assessed a value associated with the dispensed cash,
wherein the at least one processor is operative to cause selectable visible indicia corresponding to a transaction option to be output through the touch screen display,
wherein the at least one processor is operative to receive an input corresponding to user selection of the transaction option responsive at least in part to user touch contact with an area of the touch surface corresponding to the selectable visible indicia,
wherein the at least one processor is operative to move the selectable visible indicia on the touch screen display responsive to receipt of at least one user input through touch contact with the touch surface,
wherein the at least one user input includes a first user input corresponding to finger movement in a finger direction in maintained engagement with the touch surface, in an area of the touch surface away from where the output selectable visible indicia,
wherein the at least one processor is operative responsive at least in part to the first user input to cause the selectable visible indicia to move in an indicia direction corresponding to the finger direction,
wherein the touch surface extends in generally a vertical plane, and wherein the indicia direction includes at least one of up, down, left and right,
wherein the finger movement of the first user input is operative to cause the at least one processor to cause the selectable visible indicia to move to a new location on the touch screen display, and
wherein the machine includes an auxiliary touch input device, wherein the auxiliary touch input device is separate from the touch screen display and is in operative connection with the at least one processor, wherein the at least one processor is operative to cause at least one visible graphic indicator to be output through the touch screen display and to be positioned responsive at least in part to at least one touch input through the auxiliary touch input device.
35. The apparatus according to claim 34
wherein the at least one processor is operative to receive the input corresponding to user selection of the transaction option, responsive at least in part to at least one touch input through the auxiliary touch input device that causes the graphic visible indicator to be positioned on the touch screen display in a position corresponding to the selectable visible indicia.
36. The apparatus according to claim 34
wherein the at least one processor is operative to cause size change of the selectable visible indicia output through the touch screen display, responsive at least in part to at least one touch input received through the auxiliary touch input device.
37. The apparatus according to claim 34
wherein the at least one processor is operative to cause relocation of the selectable visible indicia output through the touch screen display, responsive at least in part to at least one touch input received through the auxiliary touch input device.
38. The apparatus according to claim 34
wherein the at least one processor is operative to receive data responsive to vibrational inputs from a portable vibrating device in contact with at least one of the touch screen display and the auxiliary touch input device.
39. The apparatus according to claim 34
wherein the machine includes an auxiliary touch screen display separate from the touch screen display, and wherein the auxiliary touch screen display includes the auxiliary touch input device.
40. The apparatus according to claim 39
wherein the at least one processor is operative to receive the input corresponding to user selection of the transaction option responsive at least in part to user touch contact with at least one of the auxiliary touch screen display and the touch screen display.
41. The apparatus according to claim 40
wherein the machine includes a secure touch screen display module, wherein the secure touch screen display module includes at least one of the touch screen display and the auxiliary touch screen display.
42. The apparatus according to claim 34
wherein the at least one processor is operative to cause the selectable visible indicia to move responsive at least in part to at least one user input including finger movement in maintained engagement with the touch surface in an area of the touch surface away from the output selectable visible indicia.
43. The apparatus according to claim 34
wherein the at least one processor is operative responsive at least in part to the first user input to cause the selectable visible indicia to be moved in the indicia direction an indicia relocation distance,
wherein the indicia relocation distance has a corresponding relationship to a finger engagement distance of finger movement in maintained engagement with the touch surface during the first user input.
44. The apparatus according to claim 43
wherein the selectable visible indicia is movable a plurality of times during a transaction responsive to a plurality of user inputs,
wherein responsive at least in part to each user input the at least one processor is operative to cause the selectable visible indicia to move in a respective indicia direction corresponding to the finger direction associated with the respective user input, and an indicia relocation distance corresponding to a finger engagement distance associated with the respective user input.
45. The apparatus according to claim 34
wherein the at least one processor is operative to cause output of the selectable visible indicia to change size responsive at least in part to at least one touch input through the touch surface.
46. The apparatus according to claim 34
wherein the machine includes an auxiliary touch screen display, wherein the auxiliary touch screen display is separate from the touch screen display,
wherein the at least one processor is operative to cause the selectable visible indicia to be output through the auxiliary touch screen display responsive to at least one touch input through the touch surface.
47. The apparatus according to claim 46
wherein the auxiliary touch screen display is positioned relatively vertically lower than the touch screen display.
48. The apparatus according to claim 47
wherein the auxiliary touch screen display includes an auxiliary touch screen display touch surface, wherein the auxiliary touch screen display touch surface extends at an angle of at least 90 degrees relative to the touch surface of the touch screen display.
49. The apparatus according to claim 34
wherein the at least one processor is operative to cause data corresponding to the selectable visible indicia to be communicated to a portable wireless device in operative connection with the machine, responsive at least in part to receipt of at least one touch input through the touch surface.