IP Library Granted Patent US 11,348,413
Granted Patent B2
US 11,348,413 · App. 15/523,089 · Granted May 31, 2022

Automated banking system

Inventors: Donald S. Nelson, Jr. (Akron, OH); Sergio de Oliveira (Massillon, OH); Scott Dailey (Ann Arbor, MI); Robert Konecny (Uniontown, OH); Dahae Yi (Akron, OH)
Assignee: Diebold Nixdorf, Incorporated
G07F19/202E04H1/12G06Q20/1085G06Q20/327G07F19/203G07F19/205G07F19/211E05G7/002G06F3/0482G06F3/0486G06F3/04883G06F3/1423G07F19/206H04W4/80
View Patent ↗
Loading inventors, assignments & file history…
Monitor This Case
Get email alerts when status or documents change.
Order Certified Copies
Most orders are placed with the USPTO same day — all within 24 business hours.
Order via The Patent Place →
Pre-filled with this patent's details
Quick Facts
Patent No.
US 11,348,413
App. No.
15/523,089
Granted
May 31, 2022
Kind
B2
Abstract

In an example embodiment, there is disclosed herein an apparatus comprising a first terminal that comprises a first display, a first wireless interface, and a first cash interface, and a second terminal that comprises a second display, a second wireless interface, and a second cash interface. Control logic is coupled with the first user interface and the second user interface and operable to control the operation of the first and second displays, first and second wireless interfaces, and first and second cash interfaces. A safe is coupled with the control logic, and the first and second cash interfaces. The control logic is operable to have cash selectively delivered from the safe to the first cash interfaces responsive to cash withdrawal transactions conducted at the first terminal and to the second cash interface responsive to cash withdrawal transactions conducted at the second terminal.

Claims (95)

1. An apparatus, comprising:

a display;

a touch screen interface coupled with the display;

a scanner coupled with the display and positioned to optically scan items in contact with the display;

a controller coupled with the display, the touch screen interface, and the scanner;

the controller is operable to determine a plurality of accounts;

the controller is responsive to receiving a request to deposit a plurality of deposit items to concurrently display data representative of the plurality of accounts, the data representative of the plurality of accounts comprises images representative of the plurality of accounts;

the controller is operable to request the plurality of deposit items be placed on the display;

the controller is operable to have the scanner obtain images of the plurality of deposit items, the images comprise a first image of a scanned first deposit item and a second image of a scanned second deposit item;

the controller is operable to concurrently display the first image and the second image;

the controller is operable to receive data representative of one of a group consisting of a manual touch of the touch screen and a gesture starting at the first image representative of the first deposit item and ending at a selected first of the images that is representative of a selected first of the concurrently displayed plurality of accounts; and

the controller is operable to cause the first deposit item to be deposited into the selected first of the plurality of accounts responsive to receiving data representative of one of a group consisting of a manual touch of the touch screen and a gesture starting at the first image and ending at a selected first of the images that is representative of a selected first of the plurality of accounts;

the controller is operable to receive data representative of one of a group consisting of a manual touch of the touch screen and a gesture starting at the second image representative of the second deposit item and ending at a selected second of the images that is representative of a selected second of the concurrently displayed plurality of accounts; and

the controller is operable to cause the second deposit item to be deposited into the selected second of the plurality of accounts;

wherein the images representative of the plurality of accounts remain on the display while the first deposit item is deposited into the selected first one the plurality of accounts and the second deposit item is deposited into the second of the plurality of accounts

wherein the first account is selected after the one of a group consisting of the manual touch of the touch screen and the gesture ends at the selected first of the images that is representative of the selected first of the plurality of accounts; and

wherein the second account is selected after the one of a group consisting of the manual touch of the touch screen and the gesture ends at the selected second of the images that is representative of the selected second of the plurality of accounts.

2. The apparatus set forth in claim 1 , wherein the selected first of the plurality of accounts is the same as the selected second of the plurality of accounts.

3. The apparatus set forth in claim 1 , wherein the controller is operable to display a first color in an area around a perimeter of the first display item to indicate scanning of the first deposit item is in progress.

4. The apparatus set forth in claim 3 , wherein the controller is operable to display a second color in an area around a perimeter of the first display item to indicate scanning of the first deposit item has completed.

5. The apparatus set forth in claim 4 ,

the controller is operable to obtain data representative of the first deposit item from the image of the first deposit item;

the controller is operable to request the first deposit item be removed from the display; and

the controller is operable cause the data representative of the first deposit item to be displayed on the display.

6. The apparatus set forth in claim 5 , the controller is operable to allow the data representative of the first deposit item to be edited via the touch screen interface.

7. The apparatus set forth in claim 6 , wherein the first deposit item is a check.

8. The apparatus set forth in claim 1 , further comprising

a first terminal having a first user interface, the first user interface comprises the display, the touch screen interface coupled with the display, and the scanner;

the first terminal further comprises a first wireless interface, and a first cash interface;

a second terminal having a second user interface, the second user interface comprises a second display, a second touch screen interface coupled with the second display and a second scanner operative to scan items in contact with the second display, a second wireless interface, and a second cash interface;

the controller is coupled with the first user interface and the second user interface and operable to control the operation of the first and second displays, first and second wireless interfaces, and first and second cash interfaces; and

a safe coupled with the control logic, and the first and second cash interfaces;

wherein the control logic is operable to have cash selectively delivered from the safe to the first cash interfaces responsive to cash withdrawal transactions conducted at the first terminal and to the second cash interface responsive to cash withdrawal transactions conducted at the second terminal.

9. The apparatus set forth in claim 8 ,

the controller is operable to receive data representative of a user via the first wireless interface;

the controller is operable to determine a queued transaction for the user; and

the control logic is operable to display on the first display, data representative of the first transaction.

10. The apparatus set forth in claim 9 ,

the controller is operable to receive data representative of a user via the first wireless interface;

the controller is operable to receive data representative of a plurality of queued transactions via the first wireless interface; and

the controller is operable to cause data representative of the plurality of queued transactions to be displayed on the display.

11. The apparatus set forth in claim 10 ,

the controller is operable to receive a selection of a selected one of the plurality of queued transactions via the touch screen interface; and

the controller is operable to initiate the selected one of the plurality of queued transactions responsive to receiving the selection.

12. The apparatus set forth in claim 11 ,

the controller is operable to receive data representative of a second user via the second wireless interface;

the controller is operable to determine a second queued transaction for the second user; and

the control logic is operable to display on the second display, data representative of the second transaction while the first terminal is communicating with the first user.

13. The apparatus set forth in claim 11 ,

the controller is operable to receive data representative of a second user via the first wireless interface;

the controller is operable to receive data representative of a second plurality of queued transactions via the second wireless interface; and

the controller is operable to cause data representative of the second plurality of queued transactions to be displayed on the second display concurrently while communicating with the first user on the first display.

14. The apparatus set forth in claim 13 ,

the controller is operable to receive a selection of a selected one of the plurality of queued transactions via the touch screen interface; and

the controller is operable to initiate the selected one of the plurality of queued transactions responsive to receiving the selection.

15. The apparatus set forth in claim 8 , wherein the first wireless interface is a near field communication (NFC) interface.

16. The apparatus set forth in claim 1 , wherein the first user interface is on a horizontal plane, the apparatus further comprises:

a second user interface, the second user interface comprises a second display, an audio output, and an audio input and a video input;

wherein the second user interface is located on a vertical plane with respect to the first user interface; and

the controller is operable to conduct a videoconference via the second interlace while concurrently performing a transaction via the first interface.

17. A method, comprising:

obtaining data representative of a user

determining, from the data representative of a user, a plurality of accounts associated with the user;

receiving a request for a deposit transaction;

displaying images representing the plurality of accounts concurrently on a display device responsive to receiving the request for the deposit transaction;

outputting data with instructions to provide deposit items within a predefined area of the display device;

operating a scanner to scan the deposit items;

providing instructions to remove the deposit items from the display;

displaying, concurrently on the display device, images representative of scanned deposit items within predefined areas associated with the deposit items when scanned;

receiving data representative of a manual touch on a touch screen associated with the display device, the manual touch being in the predefined area of a first deposit item;

receiving data indicating movement of the manual touch from the first deposit item to a first image that is representative of a selected first of the plurality of accounts;

depositing the deposit item into the selected first of the plurality of accounts responsive to the movement of the deposit item to the first image hat is representative of the selected first of the plurality of accounts;

receiving data representative of a manual touch on a touch screen associated with the display device, the manual touch being in the predefined area of a second deposit item;

receiving data indicating movement of a second manual touch from the second deposit item to a second image that is representative of a selected second of the plurality of accounts;

depositing the deposit item into the selected second of the plurality of accounts responsive to the movement of the second deposit item to the image of the selected second of the plurality of accounts;

wherein the images representative of the plurality of accounts remain on the display device concurrently while the first deposit item is deposited into the selected first one the plurality of accounts and the second deposit item is deposited into the second of the plurality of accounts;

wherein the first account is selected after movement of first deposit item to first image; and

wherein the second account is selected after movement of the second item to second image.

18. A tangible, non-transient computer readable medium of instructions having computer readable instructions encoded thereon for execution by a processor and upon execution are operable to:

obtain data representative of a user;

determine, from the data representative of a user, a plurality of accounts associated with the user;

receive a request for a deposit transaction;

cause images representing the plurality of accounts to be displayed on a display device responsive to receiving the request for the deposit transaction;

output data on a display coupled with the processor with instructions to provide deposit items within a predefined area of a display;

operate a scanner to scan the deposit items;

causing images representative of scanned deposit items to be displayed concurrently in predefine areas associated with the deposit items when scanned;

receive data representative of a manual touch on a touch screen associated with the display device, the manual touch being in the predefined area of a first deposit item;

receive data indicating movement of the manual touch from the first deposit item to a first image that is representative of a selected first of the plurality of accounts; and

deposit the deposit item into the selected first of the plurality of accounts responsive to the movement of the deposit item to the image of the selected first of the plurality of accounts;

receive data representative of a manual touch on a touch screen associated with the display device, the manual touch being in the predefined area of a second deposit item;

receiving data indicating movement of the manual touch from the second deposit item to a second image that is representative of a selected second of the plurality of accounts;

depositing the deposit item into the selected second of the plurality of accounts responsive to the movement of the second deposit item to the image of the selected second of the plurality of accounts;

wherein the images representative of the plurality of accounts remain on the display device concurrently while the first deposit item is deposited into the selected first one the plurality of accounts and the second deposit item is deposited into the second of the plurality of accounts;

wherein the first account is selected after movement of first deposit item to first image; and

wherein the second account is selected after movement of the second item to second image.

Assignments (28)
TERMINATION AND RELEASE OF PATENT SECURITY AGREEMENT RECORDED AT R/F 066599/0767 Recorded Dec 19, 2024
From: PNC BANK, NATIONAL ASSOCIATION, AS AGENT
To: DIEBOLD SELF-SERVICE SYSTEMS; DIEBOLD NIXDORF, INCORPORATED
Reel/Frame 069743/0497 →
TERMINATION AND RELEASE OF SECURITY INTEREST IN PATENTS RECORDED AT R/F 066545/0078 Recorded Dec 19, 2024
From: GLAS AMERICAS LLC, AS COLLATERAL AGENT
To: DIEBOLD NIXDORF, INCORPORATED
Reel/Frame 069743/0001 →
SECURITY INTEREST Recorded Dec 18, 2024
From: DIEBOLD NIXDORF, INCORPORATED
To: REGIONS BANK, AS COLLATERAL AGENT
Reel/Frame 069738/0001 →
SECURITY INTEREST Recorded Dec 18, 2024
From: DIEBOLD NIXDORF, INCORPORATED
To: GOLDMAN SACHS BANK USA, AS COLLATERAL AGENT
Reel/Frame 069740/0014 →
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded Dec 9, 2024
From: DIEBOLD SELF-SERVICE SYSTEMS
To: DIEBOLD NIXDORF, INCORPORATED
Reel/Frame 069889/0890 →
SECURITY INTEREST Recorded Feb 14, 2024
From: DIEBOLD NIXDORF, INCORPORATED; DIEBOLD SELF-SERVICE SYSTEMS
To: PNC BANK, NATIONAL ASSOCIATION
Reel/Frame 066599/0767 →
SECURITY INTEREST Recorded Feb 9, 2024
From: DIEBOLD NIXDORF, INCORPORATED
To: GLAS AMERICAS LLC, AS COLLATERAL AGENT
Reel/Frame 066545/0078 →
TERMINATION AND RELEASE OF SECURITY INTEREST IN PATENTS (2025 EUR NOTES REEL/FRAME 053271/0067) Recorded Aug 18, 2023
From: GLAS AMERICAS LLC, AS COLLATERAL AGENT
To: DIEBOLD NIXDORF, INCORPORATED
Reel/Frame 064641/0836 →
TERMINATION AND RELEASE OF SECURITY INTEREST IN PATENTS (2025 USD NOTES REEL/FRAME 053270/0783) Recorded Aug 18, 2023
From: GLAS AMERICAS LLC, AS COLLATERAL AGENT
To: DIEBOLD NIXDORF, INCORPORATED
Reel/Frame 064642/0001 →
TERMINATION AND RELEASE OF SECURITY INTEREST IN PATENTS (2026 NOTES REEL/FRAME 062299/0794) Recorded Aug 18, 2023
From: GLAS AMERICAS LLC, AS COLLATERAL AGENT
To: DIEBOLD NIXDORF, INCORPORATED
Reel/Frame 064642/0202 →
TERMINATION AND RELEASE OF SECURITY INTEREST IN PATENTS (NEW TERM LOAN REEL/FRAME 062299/0717) Recorded Aug 18, 2023
From: GLAS AMERICAS LLC, AS COLLATERAL AGENT
To: DIEBOLD NIXDORF, INCORPORATED
Reel/Frame 064642/0288 →
TERMINATION AND RELEASE OF SECURITY INTEREST IN PATENTS (R/F 062299/0618) Recorded Jun 16, 2023
From: GLAS AMERICAS LLC
To: DIEBOLD NIXDORF, INCORPORATED
Reel/Frame 064008/0852 →
TERMINATION AND RELEASE OF SECURITY INTEREST IN PATENTS Recorded Jun 7, 2023
From: JPMORGAN CHASE BANK, N.A.
To: DIEBOLD NIXDORF, INCORPORATED
Reel/Frame 064021/0405 →
RELEASE OF SECURITY INTEREST IN PATENTS INTELLECTUAL PROPERTY Recorded Jan 10, 2023
From: JPMORGAN CHASE BANK, N.A., AS AGENT
To: DIEBOLD NIXDORF, INCORPORATED (F/K/A DIEBOLD, INCORPORATED); DIEBOLD SELF-SERVICE SYSTEMS
Reel/Frame 062338/0429 →
NOTICE OF SUCCESSOR AGENT AND ASSIGNMENT OF SECURITY INTEREST (INTELLECTUAL PROPERTY) - EUR NOTES Recorded Jan 6, 2023
From: U.S. BANK TRUSTEES LIMITED, AS RESIGNING AGENT; DIEBOLD NIXDORF, INCORPORATED, AS GRANTOR; DIEBOLD SELF-SERVICE SYSTEMS, AS GRANTOR
To: GLAS AMERICAS LLC, AS THE SUCCESSOR AGENT
Reel/Frame 062308/0587 →
NOTICE OF SUCCESSOR AGENT AND ASSIGNMENT OF SECURITY INTEREST (INTELLECTUAL PROPERTY) - USD NOTES Recorded Jan 6, 2023
From: U.S. BANK NATIONAL ASSOCIATION, AS THE RESIGNING AGENT; DIEBOLD NIXDORF, INCORPORATED, AS GRANTOR; DIEBOLD SELF-SERVICE SYSTEMS, AS GRANTOR
To: GLAS AMERICAS LLC, AS THE SUCCESSOR AGENT
Reel/Frame 062308/0499 →
PATENT SECURITY AGREEMENT - TERM LOAN Recorded Jan 5, 2023
From: DIEBOLD NIXDORF, INCORPORATED
To: GLAS AMERICAS LLC, AS COLLATERAL AGENT
Reel/Frame 062299/0717 →
PATENT SECURITY AGREEMENT - 2026 NOTES Recorded Jan 5, 2023
From: DIEBOLD NIXDORF, INCORPORATED
To: GLAS AMERICAS LLC, AS COLLATERAL AGENT
Reel/Frame 062299/0794 →
PATENT SECURITY AGREEMENT - SUPERPRIORITY Recorded Jan 5, 2023
From: DIEBOLD NIXDORF, INCORPORATED
To: GLAS AMERICAS LLC, AS COLLATERAL AGENT
Reel/Frame 062299/0618 →
SECURITY INTEREST (ABL) Recorded Dec 29, 2022
From: DIEBOLD NIXDORF, INCORPORATED
To: JPMORGAN CHASE BANK, N.A., AS COLLATERAL AGENT
Reel/Frame 062250/0387 →
SECURITY INTEREST (SUPPLEMENT) Recorded Jul 21, 2020
From: DIEBOLD NIXDORF INCORPORATED (F/K/A DIEBOLD, INCORPORATED); DIEBOLD SELF-SERVICE SYSTEMS
To: JPMORGAN CHASE BANK, N.A,, AS ADMINISTRATIVE AGENT
Reel/Frame 053268/0908 →
SECURITY INTEREST (NOTES) Recorded Jul 21, 2020
From: DIEBOLD NIXDORF, INCORPORATED (F/K/A DIEBOLD, INCORPORATED); DIEBOLD SELF-SERVICE SYSTEMS
To: U.S. BANK TRUSTEES LIMITED
Reel/Frame 053271/0067 →
SECURITY INTEREST (NOTES) Recorded Jul 21, 2020
From: DIEBOLD NIXDORF, INCORPORATED (F/K/A DIEBOLD, INCORPORATED); DIEBOLD SELF-SERVICE SYSTEMS
To: U.S. BANK NATIONAL ASSOCIATION, AS COLLATERAL AGENT
Reel/Frame 053270/0783 →
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded Oct 26, 2017
From: KONECNY, ROBERT; HARRIS, RICHARD
To: DIEBOLD, INCORPORATED
Reel/Frame 043955/0896 →
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded Oct 26, 2017
From: BLOCK, BRIAN; KLEIN, ALEX; DE OLIVEIRA, SERGIO; ZAUGG, MATT; DAILEY, SCOTT; MAIBACH, ERIC; BRADSTREET, STEFAN; WITZKE, SCOTT; WIDMER, CALEB; REYNOLDS, SHAWN
To: DIEBOLD, INCORPORATED
Reel/Frame 043956/0061 →
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded Oct 26, 2017
From: KLEIN, ALEX; ZAUGG, MATT; BLOCK, BRIAN
To: DIEBOLD SELF-SERVICE SYSTEMS DIVISION OF DIEBOLD, INCORPORATED
Reel/Frame 043956/0126 →
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded Oct 26, 2017
From: NELSON, DONALD; DE OLIVEIRA, SERGIO; DAILEY, SCOTT; KONECNY, ROBERT; YI, DAHAE
To: DIEBOLD SELF-SERVICE SYSTEMS DIVISIONS OF DIEBOLD, INCORPORATED
Reel/Frame 043955/0981 →
CHANGE OF NAME Recorded Sep 26, 2017
From: DIEBOLD, INCORPORATED
To: DIEBOLD NIXDORF, INCORPORATED
Reel/Frame 044048/0417 →
Continuity (5)
Provisional Application 62073255 · Oct 31, 2014
Provisional Application 62233009 · Sep 25, 2015
Provisional Application 62239589 · Oct 9, 2015
Provisional Application 62246038 · Oct 24, 2015
Related Publication 20170337782A1 · Nov 23, 2017