Banking system controlled responsive to data bearing records
View Patent ↗An automated banking machine operates to cause financial transfers responsive at least in part 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 client device that is operative to cause the display, card reader and other devices in the machine to operate in response to communications through the client 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,
at least one display,
a cash dispenser,
a keypad, and
a receipt printer;
a client device, wherein the client device includes at least one processor, at least one data store, a plurality of device ports, at least one display port, and at least one 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 at least one display is operatively connected to the at least one display port;
wherein the at least one data store includes a plurality of keys stored therein including at least one first private key;
wherein the at least one processor of the client device is operative to use the at least one first private key to automatically carry out a secure login with a remote server, which remote server is operative to place the client device in operative communication with a virtual machine operating in a remote server, which virtual machine is operative to communicate device bus communications through operation of the client device with the card reader, cash dispenser, keypad, and receipt printer.
2. The apparatus according to claim 1 , wherein the at least one processor of the client device is operative to use the at least one first private key to automatically carry out a smart card login with a remote server that corresponds to a remote connection server, wherein the remote connection server is operative to place the client device in operative connection with the virtual machine operating in a remote server that corresponds to a virtualization server, which virtual machine is operative to communicate device bus communications that include universal serial bus communications through operation of the client device with the card reader, cash dispenser, keypad, and receipt printer.
3. The apparatus according to claim 2 , wherein the at least one processor of the client device is operative to use the at least one first private key to automatically carry out a smart card login with the remote connection server, without a smart card being in communication with the client device.
4. The apparatus according to claim 3 , wherein the at least one processor of the client device is operative to use the at least one first private key to automatically carry out a smart card login with the remote connection server, without requiring a manual input of a password during the smart card login.
5. The apparatus according to claim 1 , wherein the client device includes a public key stored therein, wherein the client device is operative to use the public key to authenticate a portable token device placed in operative removable connection with the client device responsive at least in part to a password received through operation of at least one input device in operative connection with the client device.
6. The apparatus according to claim 1 , wherein the client device includes configuration data stored in the data store, wherein the client device is operative to cause the display to output a user interface responsive at least in part to authentication of the portable token device, wherein when displaying the user interface, the client device is operative responsive at least in part to inputs received through operation of at least one input device in operative connection with the client device, to modify the configuration data.
7. The apparatus according to claim 6 , wherein when the client device is operative to cause display of the user interface, the client device is operative responsive at least in part to at least one input received through operation of at least one input device, to cause at least one of the card reader, the cash dispenser, or a combination thereof to carry out at least one diagnostic function.
8. The apparatus according to claim 7 , wherein when the client device is operative to cause display of the user interface, the client device is operative responsive at least in part to at least one input received through operation of at least one input device, to cause the client device to at least one of receive, send, or a combination thereof at least one of: a public key, a digital certificate, a digital signature, an asymmetrical private key, or any combination thereof, between the client device and the at least one of the card reader, the cash dispenser, or a combination thereof.
9. The apparatus according to claim 8 , wherein the automated banking machine includes a chest, wherein the chest includes at least portions of the cash dispenser therein, wherein the chest includes at least one input device therein, wherein the cash dispenser is operative responsive at least in part to an input received through manual operation of the input device in the chest to at least one of receive, send, or a combination thereof at least one of: a public key, a digital certificate, a digital signature, an asymmetrical private key, or any combination thereof, between the cash dispenser and the client device.
10. The apparatus according to claim 6 , wherein the automated banking machine includes a chest, wherein the chest includes at least portions of the cash dispenser therein, wherein the chest includes at least one input device therein, wherein the cash dispenser is operative responsive at least in part to an input received through manual operation of the input device in the chest to at least one of receive, send, or a combination thereof at least one of: a public key, a digital certificate, a digital signature, an asymmetrical private key, or any combination thereof, between the cash dispenser and the virtual machine.
11. 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 client device, wherein the client device includes at least one processor, 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 at least one processor of the client device is operative to automatically carry out a secure login with at least one remote server, which at least one remote server is operative to place the client device in operative communication with a virtual machine operating in the at least one remote server, which virtual machine is operative to communicate device bus communications through operation of the client device with the card reader and cash dispenser.
12. The apparatus according to claim 11 , wherein the client device includes at least one data store, wherein the at least one data store includes a plurality of keys stored therein including at least one first private key, wherein the at least one processor of the client device is operative to use the at least one first private key to automatically carry out the secure login with the at least one remote server.
13. The apparatus according to claim 11 , wherein without communicating with a virtual machine, the client device is operative to authenticate a user responsive at least in part to at least one input from the user that is received through operation of at least one input device in operative connection with the client device.
14. The apparatus according to claim 13 , wherein without communicating with a virtual machine, the client device is operative responsive at least in part to authentication of the user and at least one input received through operation of at least one input device in operative connection with the client device, to cause at least one of the card reader, the cash dispenser, or a combination thereof to carry out at least one diagnostic function.
15. The apparatus according to claim 14 , wherein the automated banking machine includes a chest, wherein the chest includes at least portions of the cash dispenser therein, wherein the chest includes at least one input device therein, wherein the cash dispenser is operative responsive at least in part to an input received through manual operation of the input device in the chest to at least one of receive, send, or a combination thereof at least one of: a public key, a digital certificate, a digital signature, an asymmetrical private key, or any combination thereof, between the cash dispenser and the virtual machine.
16. The apparatus according to claim 13 , wherein the client device is operative responsive at least in part to authentication of the user and at least one input received through operation of at least one input device in operative connection with the client device, to cause the client device to at least one of receive, send, or a combination thereof at least one of: a public key, a digital certificate, a digital signature, an asymmetrical private key, or any combination thereof, between the client device and the at least one of the card reader, the cash dispenser, or a combination thereof.
17. The apparatus according to claim 16 , wherein the automated banking machine includes a chest, wherein the chest includes at least portions of the cash dispenser therein, wherein the chest includes at least one input device therein, wherein the cash dispenser is operative responsive at least in part to an input received through manual operation of the input device in the chest to at least one of receive, send, or a combination thereof at least one of: a public key, a digital certificate, a digital signature, an asymmetrical private key, or any combination thereof, between the cash dispenser and the client device.
18. 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 plurality of displays,
a cash dispenser,
a client device, wherein the client device includes at least one processor, a plurality of device ports, a plurality of display 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 each display is operatively connected to a respective one of the display ports;
wherein the at least one processor of the client device is operative to communicate with at least one remote server to cause the client device to be placed in operative communication with a virtual machine operating in the at least one remote server, which virtual machine is operative to communicate device bus communications through operation of the client device with the card reader and cash dispenser, and which virtual machine is operative to communicate display instructions through operation of the client device to each of the displays.
19. The apparatus according to claim 18 , wherein without communicating with a virtual machine, the client device is operative to authenticate a user responsive at least in part to at least one input from the user that is received through operation of at least one input device in operative connection with the client device.
20. The apparatus according to claim 19 , wherein without communicating with a virtual machine, the client device is operative responsive at least in part to authentication of the user and at least one input received through operation of at least one input device in operative connection with the client device, to cause at least one of the card reader, the cash dispenser, or a combination thereof to carry out at least one diagnostic function.