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 touch screen display. The 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. Data corresponding to a user input alphanumeric characters is resolved by the processor responsive to contact with an input surface of the touch screen display. The area of contact may not include any visible output indicia that corresponds to the possible input characters prior to contact.
1. An apparatus, comprising:
an automated banking machine, the automated banking machine comprises a touch screen display having an input surface, and a processor coupled with the touch screen display;
the processor is operable to receive data representative of contact data that is one of a group consisting of a plurality of user fingers simultaneously contacting an area of the input surface and a user finger drawing a character while contacting the area of the input surface, while the area of the input surface is absent any output of visible indicia corresponding to user contact with the input surface;
the processor is operable to analyze the contact data;
the process is operable, at least in part to the analysis, to determine that the contact data corresponds to user input of a particular alphanumeric character; and
wherein the determined particular alphanumeric character is not visible in the area of the input surface while being received.
2. The apparatus according to claim 1 , wherein the automated banking machine further comprises:
a data reader operable to read user data corresponding to financial accounts;
a cash dispenser,
wherein the automated banking machine is operable to allow a cash dispense involving a financial account responsive at least in part to the financial account corresponding to user data read by the at least one data reader;
the at least one processor is operable to cause the cash dispenser to dispense an amount of cash, wherein the amount corresponds to at least one alphanumeric character; and
wherein the at least one alphanumeric character includes the particular alphanumeric character.
3. The apparatus according to claim 2 , wherein the reader obtains data wirelessly from a mobile device associated with the user.
4. The apparatus according to claim 1 , wherein the data representative of contact data is received by a plurality of user fingers simultaneously contacting the area of the input surface.
5. The apparatus according to claim 1 , wherein the data representative of the contact data is received by a finger drawing a character while contacting the area of the input surface.
6. The apparatus according to claim 1 , further comprising:
a card reader operable to read from cards, card data that corresponds to at least one financial account; and
a cash dispenser operable to dispense cash from the machine;
wherein the processor to further operable to:
cause the card reader to read card data from a user card;
cause a determination to be made that the card data corresponds to an authorized financial account;
cause the cash dispenser, responsive at least in part to both the determination that the card data corresponds to an authorized financial account, and the particular alphanumeric character to dispense cash from the machine; and
cause the authorized financial account to be assessed a value associated with the cash dispensed by the cash dispenser.
7. The apparatus according to claim 1 , wherein the data representative of contact data includes a stylus contact with the area of the input surface.
8. The apparatus according to claim 1 , wherein the particular alphanumeric character includes a first numerical value, and wherein the first numerical value corresponds to a number of concurrent fingers in contact with the area of the input surface.
9. The apparatus according to claim 1 , wherein the automated banking machine further comprises:
an audio output port;
the processor is operable to cause signals usable to produce audio outputs corresponding to the particular alphanumeric character, to be output through the audio output port.
10. The apparatus according to claim 9 , wherein the audio output port includes at least one of a group consisting of a speaker, a headphone jack or a wireless output port, and wherein the signals are to be output through the at least one of a speaker, a headphone jack, and a wireless output port.
11. The apparatus according to claim 1 , wherein the particular alphanumeric character corresponds to at least one portion of a personal identification number.
12. The apparatus according to claim 1 , the processor is further operable to encrypt the particular alphanumeric character.
13. The apparatus, according to claim 1 ,
wherein the automated transaction machine further comprises a check scanner;
the processor is operable to cause a check to be scanned through operation of the check scanner, wherein the check has an associated value;
the processor is operable to determine the associated value of the check; and
the processor is operable to cause a financial account to be credited the associated value of the check.
14. A tangible, non-transitory computer readable medium comprising computer readable instructions for execution by a processor and when executed operable to:
receive data representative of contact data that is one of a group consisting of a plurality of user fingers simultaneously contacting an area of the input surface and a user finger drawing a character while contacting the area of the input surface, while the area of the input surface is absent any output of visible indicia corresponding to user contact with the input surface;
analyze the contact data;
determine that the contact data corresponds to user input of a particular alphanumeric character at least in part to the analysis,
wherein the determined particular alphanumeric character is not visible in the area of the input surface while being received.
15. The tangible, non-transitory computer readable medium of claim 14 , wherein the automated banking machine further comprises a data reader operable to read user data corresponding to financial accounts, and a cash dispenser, wherein the automated banking machine is operable to allow a cash dispense involving a financial account responsive at least in part to the financial account corresponding to user data read by the at least one data reader, the instructions are further operable to:
cause the cash dispenser to dispense an amount of cash, wherein the amount corresponds to at least one alphanumeric character;
wherein the at least one alphanumeric character includes the particular alphanumeric character.
16. The tangible, non-transitory computer readable medium of claim 14 , wherein data representative of contact data includes a stylus contact with the area of the input surface.
17. The tangible, non-transitory computer readable medium of claim 14 , wherein the particular alphanumeric character includes a first numerical value, and wherein the first numerical value corresponds to a number of concurrent fingers in contact with the area of the input surface.
18. The tangible, non-transitory computer readable medium of claim 14 , wherein the automated banking machine further comprises an audio output port, the instructions are further operable to cause signals usable to produce audio outputs corresponding to the particular alphanumeric character, to be output through the audio output port.
19. The tangible, non-transitory computer readable medium of claim 14 , the instructions are further operable to encrypt the particular alphanumeric character.