Granted Patent B1

US 8,684,263 · App. 13/782,882 · Granted Apr 1, 2014

Abstract

Claims (132)

1. Apparatus comprising:

an automated transaction machine,

wherein the machine includes at least one input device,

wherein the machine includes at least one data reader,

wherein the at least one data reader is operable to read customer data that is usable to identify a financial account,

wherein the machine is associated with at least one computer that is operable to allow a customer to carry out a financial transaction involving a transfer of funds, responsive at least in part to computer-determined correspondence between:

customer data read by the at least one data reader, and

authorized customer identification data stored in at least one authorized customer information data store;

wherein the machine includes at least one display device,

wherein the machine is operable to display through the at least one display device, indicia representative of a plurality of selectable non-cash documents of monetary value,

wherein the non-cash documents include a first document,

 wherein the first document is associated with first unique document data,

wherein the machine is operable to receive from the customer through the at least one input device, at least one selection input corresponding to selection of at least one document of the non-cash documents, including receiving selection of the first document,

wherein the machine is operable responsive at least in part to receiving selection of the first document, to allow the customer to provide payment of a monetary value associated with the first document, which causes an electronic document to be provided to the customer in a manner that allows the electronic document to be wirelessly received by the mobile device,

wherein the electronic document includes the first unique document data,

wherein the electronic document includes unique information that is usable to authenticate the electronic document as being associated with at least one entity.

2. The apparatus according to claim 1

wherein the machine is part of a banking system that includes a plurality of automated transaction machines,

wherein the at least one display device comprises a touch screen display, wherein the at least one input device includes the touch screen display,

wherein the at least one data reader includes a card reader and a biometric reader,

wherein the machine includes at least one processor and a cash dispenser,

wherein each machine is operable to carry out a cash withdrawal transaction that involves the cash dispenser,

wherein the at least one processor is operable to cause the cash dispenser to dispense cash to an authorized customer responsive at least in part to transaction authorization received from a financial transaction host which is operable to:

cause card data read by the card reader and card information stored in the at least one authorized customer information data store to be compared for a predetermined card relationship,

cause biometric data read by the biometric reader and biometric information stored in the at least one authorized customer information data store to be compared for a predetermined biometric relationship, and

cause the read card data and the read biometric data to be compared for a predetermined customer relationship;

wherein the at least one processor is operable to:

(i) cause the card reader to read card data;

(ii) cause the biometric reader to read biometric data;

(iii) communicate to the financial transaction host, the card data read in (i) and the biometric data read in (ii);

(iv) receive authorization from the financial transaction host for a cash dispense transaction, responsive at least in part to each of:

the card data read in (i) and the card information having the predetermined card relationship,

the biometric data read in (ii) and the biometric information having the predetermined biometric relationship, and

the card data read in (i) and the biometric data read in (ii) having the predetermined customer relationship;

(v) cause the cash dispenser to dispense cash, responsive at least in part to (iv); and

(vi) cause a financial transfer associated with the cash dispensed in (v), wherein the financial transfer involves the financial account.

3. The apparatus according to claim 1

wherein the machine is operable to display through the at least one display device, indicia representative of a plurality of selectable non-cash documents which comprise tickets to an event,

wherein the machine is operable to receive at least one selection input corresponding to selection of a first ticket to the event,

wherein the machine is operable to cause to be provided to the customer, an electronic ticket that provides access to the event,

wherein the electronic ticket corresponds to the first ticket,

wherein the electronic ticket includes information corresponding to the event.

4. The apparatus according to claim 3 wherein the machine includes a wireless communication device, wherein the mobile device comprises a mobile communication device,

wherein the wireless communication device is operable to wirelessly communicate the electronic ticket to the customer in a manner that allows the electronic ticket to be wirelessly received by the mobile communication device.

5. The apparatus according to claim 4 wherein the at least one data reader is operable to receive identifying data from the mobile communication device,

wherein the wireless communication device is operable to wirelessly communicate the electronic ticket to the mobile communication device in a format that is based at least in part on the identifying data received from the mobile communication device,

wherein the at least one entity includes at least one of:

an entity authorized to issue the electronic ticket, or

the customer.

6. A method comprising:

(a) operating an automated transaction machine to receive identifying data from a customer using the machine,

wherein the machine includes at least one data reader,

wherein the at least one data reader is operable to read account identifying data from data bearing records,

wherein the machine is associated with at least one computer operable to cause account identifying data read by the at least one data reader to be compared with information in at least one data store,

wherein a machine user is authorized to use the machine to request a financial transaction involving a transfer of funds responsive at least in part to correspondence between read account identifying data and the information;

(b) operating at least one display device of the machine to display indicia representative of a plurality of selectable tickets of monetary value;

(c) subsequent to (b), operating the machine to receive from the customer, selection of a first ticket of the tickets,

wherein the first ticket is associated with first unique ticket data; and

(d) operating the machine responsive at least in part to the selection received in (c), to allow the customer to provide first ticket payment which causes an electronic ticket to be provided to the customer in a manner that allows the electronic ticket to be wirelessly received by the mobile device,

wherein the electronic ticket corresponds to the first ticket,

wherein the electronic ticket includes the first unique ticket data,

wherein the electronic ticket includes unique information that is usable to authenticate the electronic ticket as being associated with at least one entity.

7. The method according to claim 6

wherein the machine is part of a banking system that includes a plurality of automated transaction machines,

wherein the machine includes at least one processor, a cash dispenser, a card reader, and a biometric reader,

wherein the machine is operable to carry out a cash withdrawal transaction,

wherein the at least one processor is operable to cause the cash dispenser to dispense cash to an authorized machine user responsive at least in part to transaction authorization received from a financial transaction host,

wherein the at least one processor is operable to:

cause card data to be read through operation of the card reader, and

cause biometric data to be read through operation of the biometric reader;

and further comprising:

(e) operating the card reader to read card data;

(f) operating the biometric reader to read biometric data; and

(g) operating the at least one processor to allow the machine user to request a financial transaction involving the cash dispenser, responsive at least in part to:

computer-determined correspondence between the card data read in (e) and stored card information,

computer-determined correspondence between the biometric data read in (f) and stored biometric information, and

computer-determined correspondence between the card data read in (e) and the biometric data read in (f).

8. The method according to claim 6 wherein (b) includes displaying indicia representative of a plurality of selectable tickets which each provide access to an event, and wherein the electronic ticket provides access to the event.

9. The method according to claim 8 wherein in (d) the at least one entity includes at least one of:

an entity authorized to issue the electronic ticket, or

the customer.

10. The method according to claim 6 wherein the mobile device comprises a mobile communication device, wherein in (a) the identifying data identifies the mobile communication device, and further comprising:

(e) operating the machine to cause the electronic ticket to be wirelessly communicated, based at least in part on the identifying data received in (a), to the mobile communication device.

11. The method according to claim 6 and further comprising:

(e) operating the machine to produce the electronic ticket.

12. The method according to claim 6 wherein the machine includes a wireless communication device, wherein the mobile device comprises a mobile communication device, and further comprising:

(e) operating the wireless communication device to wirelessly send the electronic ticket to the mobile communication device.

13. The method according to claim 6 wherein the mobile device comprises a mobile communication device,

wherein (d) includes operating the machine to allow the customer to provide payment which causes a remote ticket host to wirelessly send the electronic ticket to the mobile communication device.

14. A method comprising:

(a) operating an automated transaction machine to receive from an authorized customer associated with a mobile device, customer selection of at least one non-cash document of monetary value,

wherein the at least one non-cash document includes a first non-cash document,

wherein the first non-cash document is associated with first unique document data; and

(b) operating the machine responsive at least in part to the customer selection received in (a) to allow the customer to provide customer selection payment which causes at least one electronic document to be provided to the customer in a manner that allows the at least one electronic document to be wirelessly received by the mobile device,

wherein the at least one electronic document corresponds to the at least one non-cash document,

wherein the at least one electronic document includes a first electronic document,

wherein the first electronic document includes the first unique document data,

wherein the first electronic document includes unique information that is usable to authenticate the first electronic document as being associated with at least one entity.

15. The method according to claim 14

wherein the machine is part of a banking system that includes a plurality of automated transaction machines,

wherein the machine includes at least one processor, a cash dispenser, a card reader, and a biometric reader,

wherein the machine is operable to carry out a cash withdrawal transaction,

wherein the at least one processor is operable to cause the cash dispenser to dispense cash to an authorized user responsive at least in part to transaction authorization received from a financial transaction host which is operable to:

cause card data read by the card reader and card information stored in at least one authorized user information data store to be compared for a predetermined card relationship,

cause biometric data read by the biometric reader and biometric information stored in the at least one authorized user information data store to be compared for a predetermined biometric relationship, and

cause the read card data and the read biometric data to be compared for a predetermined user relationship;

and further comprising:

(c) operating the at least one processor to cause the card reader to read card data;

(d) operating the at least one processor to cause the biometric reader to read biometric data;

(e) operating the at least one processor to communicate to the financial transaction host, the card data read in (c) and the biometric data read in (d);

(f) operating the at least one processor to receive authorization from the financial transaction host for a cash dispense transaction, responsive at least in part to each of:

the card data read in (c) and the card information having the predetermined card relationship,

the biometric data read in (d) and the biometric information having the predetermined biometric relationship, and

the card data read in (c) and the biometric data read in (d) having the predetermined user relationship;

(g) responsive at least in part to (f), operating the at least one processor to cause the cash dispenser to dispense cash; and

(h) operating the at least one processor to cause a financial transfer associated with the cash dispensed in (g).

16. The method according to claim 14 wherein in (b) the mobile device comprises a mobile phone.

17. The method according to claim 14 wherein each respective non-cash document of monetary value comprises a respective ticket, wherein the first non-cash document comprises a first ticket,

wherein (a) includes receiving customer selection of the first ticket, and wherein the first electronic document comprises a first electronic ticket that corresponds to the first ticket.

18. The method according to claim 17 wherein the machine includes at least one display device, and further comprising:

(c) prior to (a), operating the at least one display device to display indicia representative of a plurality of selectable tickets which each provide access to an event;

wherein the first electronic ticket provides access to the event.

19. The method according to claim 17 wherein in (b) the at least one entity includes at least one of:

an entity authorized to issue the first electronic ticket, or

the customer.

20. The method according to claim 17 wherein in (b) the mobile device comprises a mobile communication device, and further comprising:

(c) operating the machine to receive identification data from the customer;

wherein (b) includes operating the machine to allow the customer to provide customer selection payment which causes the first electronic ticket to be wirelessly communicated to the mobile communication device in an encrypted format that is based at least in part on the identification data received in (c).

21. The method according to claim 17 wherein the mobile device comprises a mobile communication device,

wherein (b) includes operating the machine to allow the customer to provide customer selection payment which causes a remote ticket host to wirelessly send the first electronic ticket to the mobile communication device.

22. The method according to claim 14 wherein in (b) the mobile device comprises a mobile communication device, and further comprising:

(c) operating the machine to wirelessly send the at least one electronic document to the mobile communication device.

Assignments (7)