Automated transaction machine

DC CAFC

US 7,699,220 B2
Filed: 10/31/2007
Issued: 04/20/2010
Est. Priority Date: 05/10/1996
Status: Expired due to Fees

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1. An automated retail terminal for use by a consumer to purchase from a banking or commercial ATM provider, cash access services, comprising:

an automated teller machine;

an Internet interface to the automated teller machine for providing the user with services for immediately realizing access to dispensable currency;

a user interface to the automated teller machine;

means for identifying the user to the automated teller machine;

network services to the automated teller machine that include encryption services, security services and at least one ATM network connection; and

means for selectively dispensing at least one form of dispensable currency using the automated teller machine video command or control touchscreen;

where the consumer may purchase cash access services through the use of the user interface and the ATM network connection, in combination with Intranet services, Internet services or the World Wide Web on the Internet.

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Abstract

An automated retail terminal in which a plurality of goods and/or services are provided in an integrated system. The integrated system generally avoids duplicating hardware or functions in the course of delivering the goods or services offered, so for example in a combination ATM and Internet kiosk the same credit card or smart card reader is used for both the ATM and the Internet kiosk functions, the same control screen activates the ATM functions and the Internet functions, and etc.

413 Citations

88 Claims

1. An automated retail terminal for use by a consumer to purchase from a banking or commercial ATM provider, cash access services, comprising:
- an automated teller machine;
  
  an Internet interface to the automated teller machine for providing the user with services for immediately realizing access to dispensable currency;
  
  a user interface to the automated teller machine;
  
  means for identifying the user to the automated teller machine;
  
  network services to the automated teller machine that include encryption services, security services and at least one ATM network connection; and
  
  means for selectively dispensing at least one form of dispensable currency using the automated teller machine video command or control touchscreen;
  
  where the consumer may purchase cash access services through the use of the user interface and the ATM network connection, in combination with Intranet services, Internet services or the World Wide Web on the Internet.
- View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 26, 27, 28, 29, 30, 31, 32, 33, 34, 35, 36, 37, 38, 39, 40, 41, 42, 43, 44, 45, 46, 47, 48, 49, 50, 51, 52, 53, 54, 55, 56, 57, 58)
- - 2. The automated retail terminal according to claim 1, further comprising system means for accepting cash, checks or removable media deposits.
  - 3. The automated retail terminal according to claim 1, further comprising system means for check cashing by use of coins, cash or encoding services.
  - 4. The automated retail terminal according to claim 1, further comprising system means by use of a magnetic stripe card reader.
  - 5. The automated retail terminal according to claim 1, further comprising system means by use of a magnetic stripe card reader/encoder.
  - 6. The automated retail terminal according to claim 1, further comprising system means by use of a smart card reader/encoder.
  - 7. The automated retail terminal according to claim 1, further comprising system means by use of a magnetic stripe card/smart card reader/encoder.
  - 8. The automated retail terminal according to claim 1, further comprising system means by use of a removable media encoder.
  - 9. The automated retail terminal according to claim 1, further comprising system means by use of a bill acceptor.
  - 10. The automated retail terminal according to claim 1, further comprising system means by use of a coin acceptor.
  - 11. The automated retail terminal according to claim 1, further comprising system means by use of a bill dispenser.
  - 12. The automated retail terminal according to claim 1, further comprising system means by use of a coin dispenser.
  - 13. The automated retail terminal according to claim 1, further comprising system means by use of a currency acceptor/disburser.
  - 14. The automated retail terminal according to claim 1, further comprising system means by use of a security safe.
  - 15. The automated retail terminal according to claim 1, further comprising system means by use of a printer.
  - 16. The automated retail terminal according to claim 1, further comprising system means by use of a telephone.
  - 17. The automated retail terminal according to claim 1, further comprising system means by use of computer controlled hardware and software.
  - 18. The automated retail terminal according to claim 1, further comprising system means by use of a keyboard.
  - 19. The automated retail terminal according to claim 1, further comprising system means by use of a printer/dispenser for receipts or printed material.
  - 20. The automated retail terminal according to claim 1, further comprising system means by use of a video screen for command/control function.
  - 21. The automated retail terminal according to claim 1, further comprising system means by use of a video touchscreen for command/control function.
  - 22. The automated retail terminal according to claim 1, further comprising system means by use of stereo sneakers for audio or sound re/production.
  - 23. The automated retail terminal according to claim 1, further comprising system means by use of a smart card dispenser.
  - 24. The automated retail terminal according to claim 1, further comprising system means by use of a smart card safe for smart card inventory.
  - 25. The automated retail terminal according to claim 1, further comprising system means by use of a sensor.
  - 26. The automated retail terminal according to claim 1, further comprising system means by use of a motion/sound/position device with a sensor.
  - 27. The automated retail terminal according to claim 1, further comprising system means by use of a standard ATM security and/or a portrait camera.
  - 28. The automated retail terminal according to claim 1, further comprising system means by use of a scanner.
  - 29. The automated retail terminal according to claim 1, further comprising system means by use of monitors, liquid crystal or gas plasma displays, 3-D video, volumetric or holographic arrays for displaying goods and/or services.
  - 30. The automated retail terminal according to claim 1, further comprising, system means by use of modular construction or optional fold down seating.
  - 31. The automated retail terminal for use by a consumer to purchase from a banking or commercial ATM provider cash access services according to claim 1, where, the consumer may consummate the purchase by means of the use of cash.
  - 32. The automated retail terminal for use by a consumer to purchase from a banking or commercial ATM provider cash access services according to claim 1, where, the consumer may consummate the purchase by means of the use of bills.
  - 33. The automated retail terminal for use by a consumer to purchase from a banking or commercial ATM provider cash access services according to claim 1, where, the consumer may consummate the purchase by means of the use of coins.
  - 34. The automated retail terminal for use by a consumer to purchase from a banking or commercial ATM provider cash access services according to claim 1, where, the consumer may consummate the purchase by means of the use of currency.
  - 35. The automated retail terminal for use by a consumer to purchase from a banking or commercial ATM provider cash access services according to claim 1, where, the consumer may consummate the purchase by means of the use of encodable currency.
  - 36. The automated retail terminal for use by a consumer to purchase from a banking or commercial ATM provider cash access services according to claim 1, where, the consumer may consummate the purchase by means of the use of digital cash.
  - 37. The automated retail terminal for use by a consumer to purchase from a banking or commercial ATM provider cash access services according to claim 1, where, the consumer may consummate the purchase by means of the use of electronic cash.
  - 38. The automated retail terminal for use by a consumer to purchase from a banking or commercial ATM provider cash access services according to claim 1, where, the consumer may consummate the purchase by means of the use of encodable credit.
  - 39. The automated retail terminal for use by a consumer to purchase from a banking or commercial ATM provider cash access services according to claim 1, where, the consumer may consummate the purchase by means of the use of removable media encoded currency.
  - 40. The automated retail terminal for use by a consumer to purchase from a banking or commercial ATM provider cash access services according to claim 1, where, the consumer may consummate the purchase by means of the use of a smart card.
  - 41. The automated retail terminal for use by a consumer to purchase from a banking or commercial ATM provider cash access services according to claim 1, where, the consumer may consummate the purchase by means of the use of a credit card.
  - 42. The automated retail terminal for use by a consumer to purchase from a banking or commercial ATM provider cash access services according to claim 1, where, the consumer may consummate the purchase by means of the use of a debit card.
  - 43. The automated retail terminal for use by a consumer to purchase from a banking or commercial ATM provider cash access services according to claim 1, where, the consumer may consummate the purchase by means of the use of a stored value card.
  - 44. The automated retail terminal for use by a consumer to purchase from a banking or commercial ATM provider cash access services according to claim 1, where, the consumer may consummate the purchase by means of the use of a phone card.
  - 45. The automated retail terminal for use by a consumer to purchase from a banking or commercial ATM provider cash access services according to claim 1, where, the consumer may consummate the purchase by means of the use of a telephone service.
  - 46. The automated retail terminal for use by a consumer to purchase from a banking or commercial ATM provider cash access services according to claim 1, where, the consumer may consummate the purchase by means of the use of a wireless phone card.
  - 47. The automated retail terminal for use by a consumer to purchase from a banking or commercial ATM provider cash access services according to claim 1, where, the consumer may consummate the purchase by means of the use of a wireless phone service.
  - 48. The automated retail terminal for use by a consumer to purchase from a banking or commercial ATM provider cash access services according to claim 1, where, the consumer may consummate the purchase by means of the use of an identification card.
  - 49. The automated retail terminal for use by a consumer to purchase from a banking or commercial ATM provider cash access services according to claim 1, where, the consumer may consummate the purchase by means of the use of a radio identification card.
  - 50. The automated retail terminal for use by a consumer to purchase from a banking or commercial ATM provider cash access services according to claim 1, where, the consumer may consummate the purchase by means of the use of a check cashing service.
  - 51. The automated retail terminal for use by a consumer to purchase from a banking or commercial ATM provider cash access services according to claim 1, where, the consumer may consummate the purchase by means of the use of an online financial service.
  - 52. The automated retail terminal for use by a consumer to purchase from a banking or commercial ATM provider cash access services according to claim 1, where, the consumer may consummate the purchase by means of the use of an online payment service.
  - 53. The automated retail terminal for use by a consumer to purchase from a banking or commercial ATM provider cash access services according to claim 1, where, the consumer may consummate the purchase by means of the use of an online brokerage service.
  - 54. The automated retail terminal for use by a consumer to purchase from a banking or commercial ATM provider cash access services according to claim 1, where, the consumer may consummate the purchase by means of the use of an online credit service.
  - 55. The automated retail terminal for use by a consumer to purchase from a banking or commercial ATM provider cash access services according to claim 1, where, the consumer may consummate the purchase by means of the use of an online loan service.
  - 56. The automated retail terminal for use by a consumer to purchase from a banking or commercial ATM provider cash access services according to claim 1, where, the consumer may consummate the purchase by means of the use of an online coupon service.
  - 57. The automated retail terminal for use by a consumer to purchase from a banking or commercial ATM provider cash access services according to claim 1, where, the consumer may consummate the purchase by means of the use of an online subscription service.
  - 58. The automated retail terminal for use by a consumer to purchase from a banking or commercial ATM provider cash access services according to claim 1, where, the consumer may consummate the purchase by means of the use of an online advertising service.

59. A method for a consumer to purchase cash access services from a banking or commercial ATM service providers comprising the steps of:
- providing automated teller machine access to the consumer by means of an Internet interface to an automated retail terminal;
  
  providing Intranet services to the consumer by the use of an automated retail terminal such that the consumer can purchase a cash access service;
  
  providing Internet services to the consumer by the use of an automated retail terminal such that the consumer can purchase a cash access service;
  
  providing World Wide Web services to the consumer by the use of an automated retail terminal, such that the consumer can purchase a cash access service; and
  
  purchasing the cash access services from the ATM service.
- View Dependent Claims (60, 61, 62, 63, 64, 65, 66, 67, 68, 69, 70, 71, 72, 73, 74, 75, 76, 77, 78, 79, 80, 81, 82, 83, 84, 85, 86, 87)
- - 60. The method for a consumer to purchase cash access services from an ATM service according to claim 59, further comprising the step of purchasing the cash access service with cash.
  - 61. The method for a consumer to purchase cash access services from an ATM service according to claim 59, further comprising the step of purchasing the cash access service with bills.
  - 62. The method for a consumer to purchase cash access services from an ATM service according to claim 59, further comprising the step of purchasing the cash access service with coins.
  - 63. The method for a consumer to purchase cash access services from an ATM service according to claim 59, further comprising the step of purchasing the cash access service with currency.
  - 64. The method for a consumer to purchase cash access services from an ATM service according to claim 59, further comprising the step of purchasing the cash access service with encodable currency.
  - 65. The method for a consumer to purchase cash access services from an ATM service according to claim 59, further comprising the step of purchasing the cash access service with digital cash.
  - 66. The method for a consumer to purchase cash access services from an ATM service according to claim 59, further comprising the step of purchasing the cash access service with electronic cash.
  - 67. The method for a consumer to purchase cash access services from an ATM service according to claim 59, further comprising the step of purchasing the cash access service with encodable credit.
  - 68. The method for a consumer to purchase cash access services from an ATM service according to claim 59, further comprising the step of purchasing the cash access service with removable media encoded currency.
  - 69. The method for a consumer to purchase cash access services from an ATM service according to claim 59, further comprising the step of purchasing the cash access service with a smart card.
  - 70. The method for a consumer to purchase cash access services from an ATM service according to claim 59, further comprising the step of purchasing the cash access service with a credit card.
  - 71. The method for a consumer to purchase cash access services from an ATM service according to claim 59, further comprising the step of purchasing the cash access service with a debit card.
  - 72. The method for a consumer to purchase cash access services from an ATM service according to claim 59, further comprising the step of purchasing the cash access service with a stored value card.
  - 73. The method for a consumer to purchase cash access services from an ATM service according to claim 59, further comprising the step of purchasing the cash access service with a phone card.
  - 74. The method for a consumer to purchase cash access services from an ATM service according to claim 59, further comprising the step of purchasing the cash access service with a telephone service.
  - 75. The method for a consumer to purchase cash access services from an ATM service according to claim 59, further comprising the step of purchasing the cash access service with wireless phone card.
  - 76. The method for a consumer to purchase cash access services from an ATM service according to claim 59, further comprising the step of purchasing the cash access service with a wireless phone service.
  - 77. The method for a consumer to purchase cash access services from an ATM service according to claim 59, further comprising the step of purchasing the cash access service with an identification card.
  - 78. The method for a consumer to purchase cash access services from an ATM service according to claim 59, further comprising the step of purchasing the cash access service with a radio identification card.
  - 79. The method for a consumer to purchase cash access services from an ATM service according to claim 59, further comprising the step of purchasing the cash access service with a check cashing service.
  - 80. The method for a consumer to purchase cash access services from an ATM service according to claim 59, further comprising the step of purchasing the cash access service with an online financial service.
  - 81. The method for a consumer to purchase cash access services from an ATM service according to claim 59, further comprising the step of purchasing the cash access service with an online payment service.
  - 82. The method for a consumer to purchase cash access services from an ATM service according to claim 59, further comprising the step of purchasing the cash access service with an online brokerage service.
  - 83. The method for a consumer to purchase cash access services from an ATM service according to claim 59, further comprising the step of purchasing the cash access service with an online credit service.
  - 84. The method for a consumer to purchase cash access services from an ATM service according to claim 59, further comprising the step of purchasing the cash access service with an online loan service.
  - 85. The method for a consumer to purchase cash access services from an ATM service according to claim 59, further comprising the step of purchasing the cash access service with an online coupon service.
  - 86. The method for a consumer to purchase cash access services from an ATM service according to claim 59, further comprising the step of purchasing the cash access service with an online subscription service.
  - 87. The method for a consumer to purchase cash access services from an ATM service according to claim 59, further comprising the step of purchasing the cash access service with an online advertising service.

88. Integrated banking and transaction apparatus for use by a consumer, comprising:
- an automated teller machine; and
  
  means for providing a retail transaction to the consumer through an Internet interface and an Intranet service to the automated teller machine.

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Litigation Data

Current Assignee
Transaction Holdings Ltd LLC
Original Assignee
Transaction Holdings Ltd LLC
Inventors
Barcelou, David M.
Primary Examiner(s)
Le, Thien M

Application Number

US11/982,243
Publication Number

US 20080067239A1
Time in Patent Office

902 Days
Field of Search

235/380, 235/379, 235/382, 235/381, 705/43, 705/40
US Class Current

235/380
CPC Class Codes

G06Q 20/102   Bill distribution or payments

G06Q 20/1085   involving automatic teller ...

G06Q 20/18   involving self-service term...

G06Q 20/40   Authorisation, e.g. identif...

G06Q 30/06   Buying, selling or leasing ...

G07F 17/0014   for vending, access and use...

G07F 17/32   for games, toys, sports, or...

G07F 17/3255   Incentive, loyalty and/or p...

G07F 19/20   Automatic teller machines [...

G07F 19/201   Accessories of ATMs

G07F 19/206   Software aspects at ATMs

Automated transaction machine

First Claim

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Abstract

413 Citations

88 Claims

Specification

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Automated transaction machine

First Claim

1 Assignment

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Litigations

0 Petitions

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Accused Products

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Abstract

413 Citations

88 Claims

Specification

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Others