CA2218233A1 - Electronic fund transfer system - Google Patents
Electronic fund transfer system Download PDFInfo
- Publication number
- CA2218233A1 CA2218233A1 CA002218233A CA2218233A CA2218233A1 CA 2218233 A1 CA2218233 A1 CA 2218233A1 CA 002218233 A CA002218233 A CA 002218233A CA 2218233 A CA2218233 A CA 2218233A CA 2218233 A1 CA2218233 A1 CA 2218233A1
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- CA
- Canada
- Prior art keywords
- user
- transaction
- identification card
- custom
- menu
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Abandoned
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Classifications
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/18—Payment architectures involving self-service terminals [SST], vending machines, kiosks or multimedia terminals
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- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
- G07F19/20—Automatic teller machines [ATMs]
Abstract
An automated teller system comprising a user identification card (30) unique to each user and having stored thereon customized transaction information predefined by the user of the card, a transaction terminal (10) comprising a card reader (13) for reading information stored in the card, a display (15) for displaying user customized menu comprising one or more of the custom transactions based on information read from the card. Customized transactions are executed in response to user selection from the displayed menu.
Description
ELECTRONIC FUND TRANSE13R ~Y~illS~
~, F~,n OF T~ r~vF~TIoN
The illVGllLiUn relates gen~r~lly to ele~L OmC ~ io~ GLWUll~ y~iLGnls and more particularly to electronic fund ll~sr~, ~y~L~lllS such as ~ r~ teller S m~rhin~s.
BACKG~OUND OF TF~, INV~ TION
Electronic fund ll~rGl (EFT) ~y~LGIJls in general are well known. One e~ lc of an EFT system is an i~ulul~ d teller m~rhin~ (ATM). An eY~mple of an ATM is shown, for eY~mple, in U.S. Patent Nos. 4,319,336 (the "'336 10 Patent) and 4,484,304, issued to Anderson et al. The general operation of ATMs is well known. Briefly, however, ATMs typically operate by a user inserting an ATM or other type of i~lpntifi~tif~n card into an ATM m~hin~, -t ~ 3" a ~G~ r~ll;rl~ n ~ GL (PIN)~ sel~ctin~ an account (rh~c~in~
savings, etc.), sel~octing a type of tr~n~ction or function (withdrawal, deposit, 15 Lld~ÇGl, payment, balance inquiry, etc.) and using individual numeric keys ofa keypad to select the dollar (and cents) ~mmlnt for the tr~n~ction~ In some cases, the user also selects the ~ G for the display (F.ngli.ch, Sp~ni~h, etc.).
The need to m~ml~lly enter or select each or many of these tr~n~ctinn rlr~ ~ each time a user desires to pelrullll a tr~n~cti~n can be annoying and 20 time cû"~ -.;..g. This is especially true for individuals who routinely pelro tr~n~ctionS with the same or similar p~,....~
While certain ATMs enable a user to il~-lO~ ;r~lly select an amount (S~ Irl ;1 1 I~'S referred to as a "Fast Cash" amount) rather than Gl 1l~ the amount m~ml~lly using the lluln~ of a keypad, a limited llL~lll~. of Fast Cash choices 25 are available. Also, these choices are globally ~ro~,l~led in a system so that each user typically has the same limited choices. Moreover, even with a Fast Cash feature, the user still often needs to select certain tr~n~ction ~ala~~~
such as an account (e.g., savings or l llPrL i-~g) and a function or l.,.~ lion type (e.g., withdraw cash). Only then are dirrGrellL dollar amounts displayed from which the user can choose. While this eli~ rs the need to enter specific dollar amounts, it still involves sel~ctinn of several L~ c"~-~ion ~ r~ i or entries by a user. This is an lln~1Pcirqhle d-~l,a~,L
EFT ~y~ also include point-of-sale t~ - "~ lc and a ~ of other 5 ~y~l~ns. Point-of-Sale (POS) ~...,;"~lc are used for example at ~oce.y checkouts, gas station pumps and other retail locations to enable a user to pay for a ~ul-;hase by using an ATM card, a credit card, a debit card or other similar mPth~ls. POS le....;..~l.c also typically require a llUlll~C. of user inputs andtrqnc~action p~cu~ s to effect a tr~nclqcti~n-Another problem that arises in using some EFT ~y~lellls (e.g., ATM or POS terminqlc) is the need for separate user i-lPntifirqtion cards for each "account" or inctitlltion with which a user has a li~ ql relqtionchip. Examples of such well known cards include bank ATM cards, American Express cards, MasterCard and Visa Cards, de~ -L store credit cards, gas conl~ly credit 15 cards and air travel cards, to name but a few. Thus, many people typically carry one or more i~entifirqtion cards. This is inco,lvel~.e.ll. Other drawbacks and disadvantages of the prior art also exist.
SIJMI~ARY OF TP~ ll~l~IoN
It is an object of the present invention to overcome these and other 20 drawbacks of the prior art.
It is another object of the present invention to provide an EFT system with a transaction menu cn~lu...;,rd for an individual user or ~cco lnt It is another object of the invention to enable user-defined tr~nC~cti~nc to be completed with a reduced llu-lll~ of inputs from the user at the time the 25 tr~nc~cti~n is exPc~lted.
It is another object of the invention to provide an EFT system which facilitates the se-lPctinn of a greater number of menu choices.
CA 02218233 1997~10~14 WO 96/32687 PCTJUS~6/0515 It is a filr~er object of the invention to provide a single user i~lrntifir~tir~n card for use with an EFT system that enables a user to pe.r~,l...
L1AI~A~ involving a sel~ct~d one or sel~cted ones of the users accounts and/or selected r~cial i~ l;on(s) with which the user has a l;"."r;~l 5 rel~tirJn~hip.
To accomplish these and other objects of the present invention, accord.~g to one embodiment of the present invention, an EFT system co,ll~.ises an itl~.,l;r;l-Al;nn (ID) card, at least one central control unit connrcte~l to a plurality of tr~nC~rtion terminAl~, where each tçrmin~l preferably CU111~)1iSeS a display, an 10 ID card reader/writer, at least one user input device and a local controller.According to one aspect of the invention, the EFT system is operable to enable various trAn~ctiC)n ~alal11~ 1S for dirr~-e~L tr~n~actinn~ to be predefined by auser and stored before it is desired to effect a L-A~ ;on, so that when it is desired to effect a trAn~ction, the controller can cause an individually 15 ~ u~ ~l menu to be displayed for each user to enable the user to select a user preclefinrA L,A..~,.t-l;on with a reduced l.ulllb~;. of entries by the user at the time of eYrc~tion of the L~A.~ ~cl;oll.
Accol.li~ to one emb~lim~ont one way to accomplish this is to store one or more .~ .;,~ user-defined trAn~rtion~ on a ,..~..rl;r ,.,~,1;..." of the user20 ID card so that once a user inserts the ID card into a card reader at the te~ Illil,~l and enters valid verifirAtion data (e.g., a PIN), a menu COI~IA;II;IIg choices corresponding to one or more of the user-defined tran~ctions is displayed.
Preferably, these trAn~etinn~ may be selPct~d by touching a single key of a keypad, by touching an area of the display (e.g., if a touch sensiLivt; screen is 25 used), by tuucllil-g a single key A~ rent the menu entry, by using a "point-and-click" device or by other input methods. The user-defined trAn~Actic ns may be stored on the ID card upon activation, added by a user at a 1~....;..~1 or ""; 1 ;r~lly stored based on the user's recent trAn.~ctinn~. .Al~r. -~ ;vt;ly, these LIAn~ ;r,ns may be stored on the EFT system (for example in a m~lllGl~y A~soci~t-P~ with a local controller of one or more ~.,..;.~Al~ or in a central y A~soci~tP~l with one or more central controllers) and recalled at the time a user desires to effect a L,A..~,,cl;on According to ~lolll~l embotlimPnt the user may predefine and store a plurality of LIA~ ion~ involving dirr~.lclll r..,A.,~ lion~. To facilitatethis, a single ID card may be used to store the hlr,- ~I~AI ion Thus, one UlliV~card can be used by an individual to enable eYPC~tion of trAn~Acti~ ns from or to a plurality of dirrt ,c"~ accounts/in~th~-tion~.
According to other Çealu,~s and aspects of the invention, the user i(1entifirAtil n, trAncArtion definition and/or selection of menu choices may beimplrmPnt-P~ in whole or in part, by voice l~co~llilioll. User i~ -lir~rAIi~n may also be implPmPntPfl in whole or in part, by rlll~c.~lhl~ verification. Selecti~ n of tr~n~.~ction hlr(J- ...AIion or menu choices may be impl-Pm-PntP~ by a point-and-15 click device.
BRIEF DESCRIPTION OF 1~ Dl~WINGS
Fig. 1 is a perspective view of an EFT system according to one embodiment of the present invention.
Fig. 2 is a flow chart illu~LIa~ing operation of the present invention 20 according to one embodiment of the present invention.
D~TA~Fn D~CRIPTION OF TPli PREFERRED EMBODI~N~S
Except as otherwise used in connPcti-m with a specifir activity, the term "tr~n~ctinn" is intrn-l~l to broadly describe a wide variety of activities that are or may be pelrolllled using an EFT system. By way of example, but wi~ uL
25 limit~tion, this includes withdrawing cash, travelers' checks, bonds, other negotiable hlallUlllC;lll~ or other articles, depositing cash, checks, other negotiable i~llu~ or other articles, Ll,...~L. . ;,-g funds from one account to another, paying bills, credit card b~lAnres or loan ~Aylllelll~ cashing checks or WO 96132687 PCI'lUS96/05152 other ll~goLable ~~ r-~l~, obLdi~g ~cc~ balance ~rO....~I;o.~, paying for the ~ ase of goods or services, c~alillg gaming devices (e.g., casino games, - lottery games) and pel r ~ a wide variety of other a~;livilies. Typically, the eY~oc~tion of a transaction requires providing user i~ ;r~r~l;on ~r~ ;on to 5 the system, providing ~/r~ ;r~ o" illr ~ inn to verify the user is an ,..-~1"" i~r"l user, selecting a type of IlA~ on or function, and selPctin~ one or more tr~ne~cti~n p~,....~te.ti (e.g., ~ccollnte, dollar ~lloullL~, etc.) and causing the e~ n to be eY~C~lt~Pfl With ler~lcllGe to Figure 1, there is shown a ~ a~lion ll~wulh system 10 accor~g to one embodiment of the invention. The ~....~e~ i..n ~lw-~lh system preferably c~ .. iees one or more central control units or host processors 200, having associated ~1~t~b~ee(s) or lllCilll lies 300 and a plurality of tr~ne~ction ~e....il-~lc 10 cnnnPcte~l to one or more of the central control units 200 via Cvllllll~"ir~.~ ione link 400 in a known manner. An e~ lc of one known system 15 and c~ ione link is described in the '336 Patent. Other configurations may be used.
Each ~ ~ ",i.,~l 10 preferably comprises or is co....P.;~c~ to a local controller 11 that controls the operation of the ~e~ ...i..~l 10 and a local memory 12 associated with that local controller 11. The general structure and operation20 of these components in an EFT system, such as an ATM ",~r.l~ , is known.
Each tr~ne~rtion te~min~l 10 pref~dbly cc,lll~lises at least one .~cl~
for id~ iryhlg a user, for example, a card reader/writer 13. These ~ le also colll~lise one or more input devices, such as a keypad 14 or selection keys14a located a~ljacrnt a display 15. For some applir~tinne, such as an ATM, the 25 t~rmin~l also preferably c- -..l.. ;ees one or more of a printer 16, a repository 17, a ~ e~ 18, a speaker 19, a microphone 20, and a rlll~ hl~ entifir~tion unit 21. A point-and-click device 22, such as a tr~rl~h~ll or other similar device can also be provided to add novel functionality to the ATM as described below.
Accolding to one elll~ lr~ll, the t'~ C~ WO11~ system ~-~f~d~bly is operable by use of user ir~ ;rir~ .. t~r~ ni~llle such as an i(l~ntifir~tic)n (ID) card 30 unique to each user or account. I~c;r~"ably the ID card c~ ises a plastic card having the ability to store illr()....~lion As desclil,ed elsewhere5 herein, other ID "-P~ may be used. For cimplirity, various embo limPnt.c of the invention will be described with lc~,r~llce to an ID card having a m~nPtir strip located thereon. For example, the card may co~ lise at least one m~pnl~tir strip for m~gnt-tir~lly storing hlrol..-i l;o~ r,l~Lion _ay be writtento the card 30 and read from the card in a generally known manner.
According to one aspect of the invention, the n~llllalion stored on the ID card 30 may include one or more r-.~r;~ lil.-l;o~ ifle"liri~ , one or more account itl~ntif-?rs, authorized user(s) i(lentifr~tion hlrul~lion, inrlll~ling for example one or more personal identifir~ti~n ~ llbc,~, and other desired hlrollllalion that is typically used on an ATM, debit, credit or other similar 15 cards. The ID card 30 may also be used to store tr~nc~ction illr(Jllllalion relating to user-defined tr~m~ction~ unique to the user or ~ccollnt Preferably, the stored i lr ,- ...,-I;on inrhl~les tr~nc~ction il1~ntffl~r i~ ~ I;nn sufficient to identify one or more particular l,,....~neli~n~ and/or tr~n~ctiC)n parameters and sufficient hlro....~I;nn associated with each such itl~ntifi~or to enable a desired tr~n~ction 20 to be c~ mpleted by selecting the l - ,- ~.cacl;on i~l~ntifi~r~ with lit~le or no ad~ition~l input by the user at the time of ex~c~ltil)n. The tr~n.e~cti-~n i-~rollllalion is preferably individually sel~cte(l by the card user and stored before ex.oc.lltin~ a transaction to enable ll,.o.~ I;on~ to be more easily ex~c~lte(l by a user and to enable the same (or similar) ll,.,-.cn~l;on~ to be pc:lrolllled multiple times without 25 the need to re-enter all or most of the Llà~ l;on l.~alllel~"~ each time a user wants to execute a tr~n.c~rtion The illr~llllalion stored on the card may also include inro,m~lion that enables the controller to cl~ e whether a printed record of an ex~ocllte~
WO 96/32687 PCI~/US96/05152 L~ ;ol~ should be printed by the printer 16 upon eYPC~lti~n of a selected L~ ion The il~Çol ".-l inn may be stored s~dl~Lely for each h~ n or - a global sel~tion may be made for all ~ l;one eY~?c~lt~d with the card.
Upon ex~c--tion of a selPcted ~ .,clion, the controller caused the printer to 5 print a record of the tr~ne~ction if a printed record is printed.
Acco~il,g to one emb~lim~o-nt~ the ~ e~1-l;nn ~Clw~l~ system colllpl ;~es an ATM system, Wh~ the user-defined tr~n~ction~ stored on ID card 30 may be read when a user ~ccesees the ATM to enable the user to easily select a pre-defined tr~ne~ctit~n ~or ey~clltion This may be done in a llulllbc, of ways.
10 ~er~bly, upon ill~liri~ )n and v~ ;rir~ of a user, the controller uses the stored L~ inn illr~ ion~ along with general system mr l 11l~l ion, to cause the display of one or more tr~n~ ti~ n menus ~~.lo~ for the user.
Preferably, the menu in~ des choices CO~ O~lllg to one or more of the stored user-defined tr~ne~ctione. Other choices may be provided as r1icclle.se(lbelow. Preferably, the ~ ~d menu also will have a menu choice that enables the user to select a ~L~ldald menu for that account and/or ril~ r;~l inetitlltion (e.g., a menu that enables a user to p~.rullll any tr~ne~ction~ not just the stored user-defined ~ e~ that may be orli~ily p~,lrolllled using the ATM). The term menu is int~rl-1eA to cover a single menu or a series of menus.
Upon the user's sel~ction of a desired menu choice, the associated tr~nc~rti-)n is then eY~c~lt~l willloul the need for further inputs or selections by the user or with limited ~ ition~l inputs or sel~ctionC, Ill.,leby Ill;ll;llli~.;.lg the number of selections, inputs or entries l~luil~_d by a user to execllte a desired tr~nc~ction 2~ For example, one tr~ncacti-m that a particular user may often p~lrùllll is withdrawing $25 from a ~li~y ç~r~ing account. Thererule, upon insertion of the ID card 30 into the reader/writer 13, illrollllalion stored on the ID card 30 is read (other prelillli~.y steps may also be p.,lrulllled in a known lllal~
such as t.,t~ a PIN, etc.) and a llumber of menu choices are displayed on the display 15. The user~ menu ~efc,ably c~ ,ises a display of at least some of the user-defined ~ ;onc, preferably including custom L~ s (or custom tr~nC~ction ~ ;rir- ~i) CTl-CTN and an option to display a ~dald 5 menu SM. Preferably, there is an ~ll.hi -----.-- - ;r (or other) i-lPntifirr next to each menu item. For example, the first menu choice may be "withdraw $25 from Primary Ch~r~in~. " The ~ lllxr " 1 " may appear next to this menu choice as a ~ ;on illPntifiPr. To execute this Ll,...~acl;on the user merely touches the "1" key on the keypad (and optionally hits "ENTER"). This selection is 10 received by the controller 11 which causes the selected tran~ction to be executed by the ~ l and/or EFT system. This ~--;..;...;~s the number of se~P~ti-)n.c/key entries a user must ~clrlJln~ to execute a ~ ;on It also offers greater flexibility than ~y~llls which have "Fast Cash" or similar rca~ ,s whereevery user (or group of users) is offered the same limited tr~n~actions and which 15 still usually require the user to select an account and often times a tr~nc~ tion fimrtion (e.g., willl~aw cash) and an account before the "Fast Cash" choices aredisplayed.
Accoldhlg to other embor~ P~lc~ the i-lrollllalion stored on the ID card or associated IllClCWilll may include i, r -- ...,-I;on that is read by the card 20 reader to enable the controller to detPrmin~ wL~lllcr the user/;-~ ;on wants the user cnctQmi7P(l menu to be displayed ~ (o,~,.l;rally, not displayed, or displayed as an option from the main menu. If it is d~ that the CU~lO--.;~ menu is to be displayed ~Illsl~l;r~lly~ then upon entry of the ~r~liaLe PIN, the controller causes the ~;ll~l-)lll;~rd user menu to be displayed 25 on the display. If it is ~ cl that the c~l~lo.~ cl menu is not to be displayed, then upon entry of the a~,~liate PIN, the controller causes the ~dald l~ cl;~n menu to be displayed (to enable the user to use the normal ATM keys to define and execute a desired tran~a~tion ) If it is ~lele- ~--;--P~ that WO 96132687 PCI'lUS96/05~52 the .;~ .;,~ menu is to be d;~laycd as an option on the ~L~dald menu, then upon entry of the a~~ idle PIN, the controller causes the trAne~ti-~n menu to - be displayed with the standard ~ C~c~ iOn menu options (to enable the user to define and execute a desired L".~.cA~ n) and a eu~lol~d menu option which 5 if selected by the user causes the controller to display the L;- elo~ p(l menu.
According to other embo~ of the invention, the system may store illr(.. ; ~ which dPl~- .. ;~-Pe the particular account, accuullL type or particular inefitlltionwithwhichtheaccuull~isrelated,andbasedon~ o~ r,-~,.~
in the system (e.g., at the local and/or central controllers) t~ which type 10 of menu is to be displayed to the particular user.
Fig. 2 is a flow chart illu~lla~ , the operation of ~rcr~llcd embo~limpnte of the present invention. For ~ul~oses of this description, it is ~s~lmPd that auser has already pre~lPfinpd one or more ~;--xlo...;,P~l trane~cti~ns and that this il~rO- ".~lion iS stored on the user's ID card (or in a memory of the EFT system), 1~ for Plr~mI~7P, during setup of the ID card. Other preli...i,-~. y steps may also be performed if desired. Fu~ lllore, for simplicity this embodiment will be described in co~ P~ with an ATM. However, it is to be nntlPrstood that this embodiment and other Çcalules and embo~ described herein can be used with other types of EFT sy~ ls. Moreover, for simplicity, the well known 20 steps ~eeoci~t~Pd with the local controller cc,-...-.~ with a central controller are omh In step 101 the user is i(1PntifiPd This may be accomplished in a ~ bel of dirr~cll~ wâys, inrhl(1i~ by use of an ID card (e.g., ATM card), by e~lP. ;..g an ~lph~..--...~l;c i-lPntifiPr using a keypad of the ATM ~ 1, by voice 25 recognition, rmge~ ll recogniti~ n, by other i-1cntifir~tion Pcllni-lluPs, or a combination of the folegoil~. Next, acc~ulll i~ alion associated with the identifiP~l user is read (step 102). Preferably, a verification step is ~elrcll.,ed to verify that the i-lPntifiPcl user is a valid user (step 103). This may be accomplished by pr~ g the user to enter a PIN or other ;clentifi~r (for eY~mple, a rmge.~ ll and/or by spe~king a certain message) and having the controller ~ r~ "~ if the i~l~ntifiPr is a valid i~Pntifi~r for the user and/or ~crolmt (step 104). If it is not, control may return to step 103 for a retry or to 5 step 101 to cancel the hll~rope~ attempt. If the i-lPntifitor is valid, control passes to step 105 (or in an ~llr...~l;v~. embodiment to step 105A, as will be ~ cll~secl below). De~ on whether all of the ~-~cP~s~. y mrc,....i~ n was read in step 102, it may be desirable to read other hlrull~lion from the card (or a lll~lllOly of the EFT system) after the validation step (step 103).
In step 105, according to one emb~im~nf the controller causes a custom menu for the user to be displayed. The custom menu preferably comprises choices (e.g. CT1-CTN of Fig. 1) for the user to select one or more Ll,.~ ionc pre~iPfinrA by the user. Optionally, one menu item inrln~les a choice for the user to select a "Standard Menu" (e.g. SM of Fig. 1). The Standard Menu ~ler~ably 15 corresponds to the types of menu typically used with ATM systems. For example, the Standard Menu may list a llumbel of choices of types of tr~n~ctions or functions that may be ~elrulllled (e.g., withdraw cash, deposit cash, llal~Çel funds, balance inquiry, etc.) and prompt the user for other ! ~ p~ . In step 106, the user selects one of the displayed menu 20 items. As tliccll~se~ herein, a variety of dirr~,lcllL mPch~ ",~ may be used to select a displayed menu item. In step 107, the controller de t~ - ...i.-~s whether the selected menu choice is a request to ~,.rc,ll.l a custom l.~."~,~-lir,n If the controller d~lr~ ..,;,.~s that a custom tr~n~rtion was not requ~sted in step 107, then according to one embodiment a Standard Menu is displayed (step 205).
25 However, other ~ l ;v~s may be used. If a custom tr~n~rtion was reqllest~
in step 107, the controller causes the sel~octed transaction to be pe.r~,lllled (step 110).
De~el~di~g on the type of ll,.o~ on selPcte~l, the sel~ctP~
C~C~;Q~ may be pclÇulll~d without further action by the user. If the user ~PfinP~l custom l.~ l;cn coll~hls all of the ~-~cçe~ ;on, the controller can cause the tr~nC~cti~ n to be eYP,c~lt~Pd based on the stored S illru. . . ~l ion .Al~ - ..nl ;vt;ly, the display may prompt the user to enter ~ liti~n~l i~ul.llalion(step 108). Forexample, if theuserpleA~r...PA l.~ l;on ~l,er;r~pe a type of ~ aclion and one or more accounts, but nût the amount, the user may be ylo~d to enter the desired amount for the tr~ncaction One advantage of this technique, for example, is where each month a user pays his Aulelica 10 Express card balance from his ~ y ch.oc~in~ account. The user could set up a custom transaction that stores illrollll~Lion to pay an amount (to be entered)from p~ rl~PrL ;.~; to that user's ~merir~n Express account. Then, all the user needc to do to ç~Pc~lte this ll~ ion~ iS to select this custom tr~n~ction and enter the amount for that month. Nu~ vus other examples will be readily lS a~L.
Also, it may be desirable after selPction by the user of a custom tr~ne~ctic n (step 107), and/or ~ itinn~l input (step 108) that the controller causes the tr~nC~ction type and p~ to be displayed with a prompt for the user to verify that this is the desired tr~n~tion to be eYPCllt~PCl (step 109). If the 20 ll, n~e~il n type and ~,----- t~ -~ are as desired, the user may verify this by one of the input tPrhni~ ps ~ç-sçrihed herein or other input tPrhni~l~les Preferably, the display produced in step 109 may also give the user options to cancel the transaction, edit the p~,....P-I~l~ thereof, reselect a tr~n~cti~n or other desired options.
After the desired tr~nC~tion is processed (step 110), the controller preferably causes the display to display the option for the user to select another tr~n~rtion or to finish the sesci~-n In step 111, if the controller d~ .Ps that CA 022l8233 l997- lO- l4 the user desires ~uLh~,L l,~ on, control returns to the point after step 104.
If not, control returns to Start.
R~ to step 205, in ,.,~onse to a St~dal~d Menu being displayed, the user is l,rolll~L~d to select a function or ll~l~.e~--linn (step 206), an account 5 from which the tr~ne~cti~ n should be p,vcessed (step 207), if n-oceee,.. y a "to-account" (step 208), i.e., an account to which the tr~ne~rtion should be processed, for example, if the ~ ~ ~ ne"c~ ir~n is a lla,~r~, of funds from one account to another, and an amount (step 209). Depending on the type of Ll~sa~;lion, other ~ L~Ls may be sel~cted Steps 108 and 109 also may be pelrolllled if 10 desired. Once all of the n~cese~ry tr~neactiQn mrulnlaLion is selecte~l and any ;r~r~l;rJn has occurred, then control passes to step 110 and the transaction is ~rocessed. The standard menu may also prompt the user for il~"llalion in an order dirr~r,~l than ~ecirled above and/or for dirr~.ell~ hlro,lllalion.
According to another embo-lim~ont after the validation procedure is 15 performed (step 104), control passes to step 105A. According to one embo~lim~-nt, step 105A causes a user prompt to be displayed which asks the user if the custom menu is to be displayed or whether a Standard Menu should be displayed. If the user selects the custom menu to be displayed, control passes to step 105. If not, according to one embo~limtont the Standard Menu is 20 displayed (step 205). According to another embo~imrnt the user may be l~lu~uL~d to in-lir~t~ whether a menu (similar to the Standard Menu) should be displayed with one of the menu options being the choice of having the custom menu displayed. In step 220, the controller det~--...i..~s whether the custom menu option is sel~cted If not, then the Standard Menu is displayed (step 205).
25 If yes, control passes to step 221 wh.,l~,by a s~dald menu with a custom menudisplay option is displayed. After selection of a menu choice by a user (step 222), the controller d~ tos if the custom menu option is selPctrcl (step 223).
If yes, a custom menu is di~layed (step 105). If not, the user selects a function WO96132687 PcrluS961Q5152 from the SL~l Menu (step 206). ,~ ivcly~ instead of the user sPlPcting whether a particular menu should be displayed, this i~o~ ation may - be dç1~ d by the EFT system or ATM tf~ l For eY~mplP, for some ATM termin~lc~ it may be dec~ d as a system choice that one or alluLll~,~ menu S will be displayed. .All~ ...;.~;v~ly, the choice of menu may be ~ t~ted by theparticular user (based on certain user ~lru~ ioll) or the type of account -. ,.,;"~-A in step 102, or by the ri.~."-i~l in~tit~ltic)n with which the account is held. For example, some fi~ ;f)nc may choose that a particular menu will be displayed. ~ ;vely, the menu to be displayed may be pre-10 se1octed by the user and i~c...~ n co--es~onding to the selecte~l menu can bestored on the user's ID card, in one or more local memories of one or more ATM ~ lc, or in one or more central memories of the EFT system.
Co.-~ with the foregoi~, instead of or in addition to storing user-defined !. Al~ n i~o111~Lion on the ID card, such il~- ..-~1 ;on may be stored 15 in the local memory of one or more l~..-.i..~lc or in a central memory or memories of the system. Storage of such il~. ..~ in a local memory may be particularly useful where a user frequents a particular te- ...;,-~1 such as a local bank ATM or grocery store or where the "t~ ....;..~1" is uniquely associated with a particular user or group of users, such as when the termin~l co--.1.. ices a home 20 COlll~uL~l, a portable ~e~ l or other such e,l--i1----~-1 Accor lillg to another feature of the present invention, if a user ç~rPcntes a tran~ction that is not already stored (on the ID card, locally in the te- ...i,~l or globally in the system), upon co1~lction of the L~ 1ion, the card reader/writer may write the trancacti~n illrO~ s)n to the card (or local memory 2~ of the t~rmin~l and/or central 1~elllul~ of the ll~LwlJ1h). If written to the ID card for example, the tr~ncaction may be stored as a "Recent T1,...~ ion "
Accordillg to one embodiment of the invention, one or more Recent T-i.i-c~c~ c options may be displayed on the cl~Lo---;~P~ user menu. ~ I;v~;ly, a menu option may be "Display Recent T~ nC." The input ..~rh~ i.., may be clesignr~l to f~rilit~t~ scrolling through recent l".~..<-lionc. For example, up/down keys may be provided. ~llr~ ivcly, acco~dil~g to one aspect of the invention a point-and-click device (e.g. a trackball) may be used as further S ~l~srrihecl below. The use of a point-and-click device is esperi~lly adv~nt~o~s if it is desired to provide menus with a relatively large llu ubel of choices tofacilitate scrolling through pages of the lllClllOl,~/ and pointing to one of the choices. Other advantages of using a point-and-click device also exist.
According to another feature, after the user ex~cutes a tr~nC~rtion that 10 is not already stored on the ID card, a prompt may be displayed to ask the user if the ~ c~clic)n should be stored as a tr~n~rtion to appear on the customized menu. If the user desires to do so, the ~ c~clion illru. .--i ~ ion may be stored as a new user-defined tr~nc~ction on the ID card. ~llrl ..~lively, or in addition to this, the user cllctc-mi7~1 menu may include an option to enable the user to 15 change the stored l~ . This preferably inrhl-les the ability to modify or delete an exi~ting stored tr~ne~ction and the ability to add a new tr~n~ction.
The rea~u-cs of the invention may be used in a variety of electronic tr~nc~cti-)n systems inrlll-ling ATMs, POS lt~ (e.g. ~u~c~ ..krl or retailer ch~rkn,~ltc, gas pumps, etc.), travelers check dispensers, coupon 20 dispensers, garning devices (e.g., slot m~rhinPs or other "casino games"), lottery m~rhinrs, check cashing "".rhi,~ks, etc.
By way of example, if used in connection with a POS termin~l, the trrmin~l may be col~ led with a cash lcgiSt~_~ or other device to intlir~te to the termin~l the arnount of a l~ acliO~- The user-defned L~ aclinn~ may include 25 tran~rSir,n~ such as "pay amount by ATM" or "pay amount by VISA. " Other predefined tr~n~ction options could include "Pay by ATM and Receive $50 Cash Back" or "Pay by ATM and Receive Cash Back." In this latter example, one or more l.,..~c~-lion ~a~ lel~ rnay be entered by the user at the time of use CA 022l8233 l997- lO- l4 WO 96/32687 PCTIUS96la5l52 (e.g., the amount of cash to receive back). At gas pumps, the user may ~JlC~ilOle selP~ti- n~ such as the type of gas desired (regular, pl~ ..., etc.) and whetheror not a receipt should be printed upon cu,~ tion of the ~ n Accolding to a~Lll~l embo~1imPnt of the present invention, the ID card S may be used as a "u~ al" card to avoid the need for a user to carry a llumbc of dirrclcll~ ID cards such as ATM cards and/or credit or debit cards.
According to this embo-1imPnt il ru....~;on for a plurality of accounts may be stored on a single card. The user ,~ ....;,~ menu may include t~ ;on~ for a plurality of dirr~l~ellL accounts and/or r~lcial i~ ;olls. For example, a 10 ullivt:l~al card may have hlrul.lla~ion stored thereon for a user's VISA card(s), American Express card(s), de~a-L - cllL store card(s), casino card(s), gasoline credit card(s) and one or more bank ATM cards. The card may store i. rw.--a~ion to enable a user to P~Pcnt~P one or more tr~n~ctinns with one or more selPrt-P~l in.~tihltinn~ with which the user has a rel~ )nchir or is authorized 15 to transact with. For some i~ ion~, the user may have more than one account. All of the illr~ n .-~cess~ y to enable the user to ~e~r(j.... a tr~n~ction may be stored on a single card. If this feahure is used, the stored tr~n-~rti( n illÇollllaLion may include the user-defined transaction i-~...lalion id~PntifiP11 above along with an iriPntifiPr of the ;"~ and the desired account 20 for which the tr~n~cti~n should be ~c-rulll,ed. For example, such a stored tran~ctic-n may include a tr~n~rtion to "Take $25 Cash Advance from Visa Card" or "Pay $25 From Bank ChPcl~ing To Visa. "
According to one embo~1imPnt it may be desirable to store only most of the tr~n~(tion hlrO ",~lion ~-Pres~-y to execute a l""~ lion. For e~mple, the 25 stored partial tr~n~(tion may be "Pay Visa From ChP-rl~ing." Then, upon display of this item on the user ~ ilo~ .r.cl menu and selection of it by a user, the user may be ~Lol-l~led to enter the amount to be paid. This option is gen,-r~lly useful when aspects of a particular tr~n~ction may vary but some or CA 022l8233 l997- lO- l4 WO 96/32687 PCT/US96~05152 all of the tr~ncaçtion is repeated. The inctitnti~n/account illr~ aLion for thisembo~limPnt may be written to the ID card in a known ~a~ and can be r~ r~d in a Couv~ elll way. For eY~mplP, the card may contain an i~
with the inctihltion(s) and user-defined tr~nC~ctiQn h~ro- ...~ion associated with S one or more accounts. According to this emb~imPnt, the user may insert the ID card into a ~- "-;--~1, and upon verification, a ~ o~ r~cl menu may be displayed. Accol lil-g to one embo~iimPnt the menu may include options for g ll~ "c~ ;-)ns with a number of dirrt;-cllL in~ctitlltionslaccounts.
;vely, the user may select an inctihlfion and a ~ o"-i~e~l menu for that 10 incthlltion may be displayed as described above. If a ~~ivel~al card is used at a POS termin~l, the user cll~ d menu may display the list of inctit~ltion accounts that the particular user may chose from. Then the user may select the account from the menu that is to be used for the trane~ctinn This offers more flexibility and effiri~nry than ~;ullclllly used systems. A point-and-click device 15 may be used to scroll through the choices and select an inctitlltion According to another feature, after a ~;u~lo-..i,ed menu is displayed and a user selects one of the l-~ "cl;on options from the menu, a more ~let~ilP~1 description of the tr~n.caçti- n may be displayed to enable the user to verify the desired tr~ncaçtion. For example, the tr~nc~rti~ n type and tr~n.c~ctinn 20 parameters may be displayed.
While many of the general ~y~ s components for an ATM and their filnrtinnc are known, various other components may be particularly useful with various aspects of the present invention. For example, the user identifir~tinn step may be accomplished in a ~~ lbel of ways. For example, the user may be 25 illPntifiP~ by a user irlPntifr~tion card unique to each user (or account), by voice recognition, entry of alpha-l.~--r~ ;r i~u~lalion by a keypad or similar input mPch~nicm, by finge-l,li.l~ recognition or a culllb~lion of these or other tec~lniqll~Ps. For example, if a r~l~g~ illl (or voice) i~lentifir~ti()n unit is WO 96132687 PCr/US~6/05152 provided at each (or some) l~ the user may be i~lentifipcl by simply e.~lr. ;l~g an a~,upli~L~ finger intû the r;.~ rir~lic)n unit (ûr spe~king into the voice it1~.,lirir~lion unit), wL~ y the unit then reads the input i~(,-.---li-)n and CO~ S this read i~ on to previously stored S i-lkllliri.,~lion illrù~ aliûn tû ~le~..-.i-~P the identify ûf the user. The stored i~o,~lion may be ~C~ tf ~ in the local n~ll~ly and/or central memory.
To facilitate this each user may be required to provide the l-r~ . y rmg~
(ûr voice) itlPntifr~tic)n i~ n at the time ûf activatiûn of an accûunt (ûrat other cu~vellient times). According to one embo~limPnt the iclentiflr~tion i. r(.. ~ n may be initially stored in a central memory. A potential alv~ y to this approach h(~w~ver is that with a large llu~ber ûf authorized users it may take some time to find a match between input i-l.ontifiratinn h~,l,.,ation and stored hlrv-...~lion An ~ live is to store such i,~,l,~lion in a local memory of each t~-. ",i"~1 through which the user ~rcess-os the system, as such 15 acce~ses occur. This would thus build up a local memory capability for each trrmin~1 that the user ~ccesses. The local ,ll~lll ,lies are likely to contain a lower llu~ of user's il~l~lion. If this a~roacll is used, when the user enters the physical user i~lent;fr~til~n i~,llllalion (e.g. voice or rlllg~ hll)~ the locallllcllloly of the Ic 1 through which the user is ~ccessing the system can be 20 chrc~ first to fmd a match with ~lcbL~lcd i.~lll~lion. If a match is found it is likely to occur in less time than if the central system m~o, y is used to find such a match due to the relative llu~llber of individual's il~,~lion stored in the rei,yeclivc mtonnnri~s. If the user has never used the particular Ic- ---i--~1 before then no match will be found in the local memory and upon that ~elc~ on, 25 the local controller may cause a search of the central memory to occur.
Accoldillg to another aspect of this embo-1imPnt7 an in~tifl~tion (e.g. a bank) having m111tir1r t~ may download user i(lentifir~tion i, r~ ion to each of its le~ "~io~1~ so that the user can rapidly access they system via any WO 96/32687 PCI~/US96/05152 of that inctih~tir,nc ~ )Alc since the user's ifl~ ;ri~ ;on il~ru~ alion (e.g.
voice or r~gel~..ll-) will be stored locally in each of that in~ctihlti~nls trrmin~lc.
This or similar i~ientifir~tion t~rhn~ ec could avoid the need for a user to carry an i~ ;ri.~ " card. If no card is used, once the user is i~1rntifird (or before), the user may enter inctihltion ;,,r," "~ion to identify an inctihltion with which the user is i~l~ntifi~cl This may be acc~ lished by ~~ ;..g (e.g., via a keypad) an in.ctihltion itlrntifir~ti~ n code, sel~cting an inctitlltion from a menu (or group of menus) that is (are) displayed based on il~l ",~fion stored in ~e EFT system or by storing such hlro-l-lation in the system (locally and/or 10 centrally) in association with user i(1~ntifir.~tion Once the user and account is itlrntifi~, then v~ r;~;on illrV- ...~lion may be entered (e.g., a PIN) for the user for the selected inctihltion or account and ~ nc may be selected as described herein.
Acco.ding to another embodiment of the invention, a publicly ~ccescihle 1~ ATM (or other EFT) trrrnin~l is provided with a point-and-click device such as a trackball or similar device to f~rilit~tr (and e~.h~l-r.e) selection and/or input of desired L~ ;nl~ l;ol~c, fimrtionc, pa~ t~ , menus or other choices. The use of such a poinling device can f~r.ilit~tç a mlmhçr of other features. For example, with the use of such a device, a user may point to a menu item and click on it 20 to select it or double click on it for eXrClltion .All~ liv~ly or in additionthereto, the device may be used to select a "custom l.~..cA.~Iinn" menu option which causes a controller to display a list of predefined tr~n~cti-n.c to be displayed, in one or more colnmnc, to enable one of the predefined tr~nc~ction.cto be sçlectecl Further, the list may extend for more than one page of the 2~ display and the device can be used to scroll up, down, left or right through the list and to select the desired tr~nC~ction for e~Pcl~ti~n. According to this emb~limrnt, the point and click device is o~livt:ly c~ nnrcte~l to the termin~l ~ in a user ~rce~.~ihle location. The mov~.lltlll of the pointing device by a user WO 96/;~26~7 PCTlUS9610S152 can then cause a cursor (or similar i-lPntifiP,r) on the display to be moved to a desired position on the display to enable menu ~ ;on items or paramt~tPre - to be selectp~l in a known llla~,.
The user-defined ~ )n~e may be stored on the ATM card upon 5 activation of the ID card, added by a user or 5...~ ly stored based on the user's recent L~ ;on.e (e.g., by writing some or all of the tr~n.e~ction parameters to the ID card after a user m~n-l~lly enters a ll~ ea~ nn and displaying this ~ I;on as a menu choice the next time the user ~Gcesses the system). ~ Alivt~ly, these tr~near-tic)ns may be stored in a local memory of 10 a le~...i..~l (e.g., a ~..lli.lal of an ATM system) and be recalled when a user desires to execute a ~ c~ .- Accu..~ to this embo~limrnt the tranearti()n.c may be stored in a local lllelll~l~ of one or more l~ le or in a central memory of the EFT system.
According to one embo~limPnt the tr~ne~ction i-ientifi.or and 15 corresponding ll~ ion i,~r(.- ,~ ion is stored on the ID card. Preferably, il~l ~--;1l;- n corresponding to one or more hr~n.e~rti--ne is stored. If desired, one card may be used to store illro-..~;on for more than one account for a single user. These multiple accounts may be with one or more in.etihltione or entities with which the user is ~eeoci~trcl Th~ .crOl~, sep .~ plnr~litiP~e of user-defined 20 kansactions may be stored for s~alal~ accuu..L~. For example, if a m~n.o.tir card is used, the LIA~.e~.-lion i~o~ liorl for a particular account at a particular ~"~"ri~l (or other) inetih~tion may be stored on one (or more) m~gnrtir strip(s)on the ID card. Each tr~n.e~rtinn preferably is stored with a trane~ctil)n i~lrntifit-r and all or most of the illro....~ n nP~ee ..~ to complete a I~A~ clion.
25 If a u~ al card is used, the user may be first ~lolll~L~d to select the account/inetinlti~ n with which a tr~ne~rtion iS to be eYrcllt~i Then, the custom tr~ne~ction for that accuunL/;..~ ;on may be displayed (along with other choices as described herein).
The controller may be any generally known controller capable of use with an EFT system. It may be ~ d to cause operation in the described herein.
The various inputs and sel~octionc desclil ed herein may be accomplished 5 by the touch of a single key (or co"-bil~Lion of keys) of the keypad, by tollrhing a de~ign~trd area of the display (e.g., if a touch sellsitivc screen is used), by touching a single input key ~ cent to the transaction i-lPntifiP~l by use of a "point-and-click" device associated with the t~rmin~l or by other input methods.In various ci~ res, one or more of these types of input mech~ni~mc may 10 be advantageous over another.
The ID card, if used, may cu.l.~.ise a m~gnPtir card, a bankbook with a m~gnPtir storage ~c~lbel, an EEPROM card, a "smart card", an IC card or other suitable devices capable of storing the "~ces~ ;on Preferably, one or more user-defined tr~n~actinn~ stored on the ID card 15 30 are read by the card reader/writer 11 after the user inserts the card into the card reader/writer 11. The h~l ",~lion may be read before and/or after the user enters verification data (e.g., a pc,~ollal itl~-ntifir~ti~n ~lu---l~el or PIN). The stored hlro~ irJn may be read once and stored in a local memory of the ATM
trrmin~l or read from the card 30 as and when n~e~e~l if the card is retained in20 the card reader writer 11 during use.
If the card reader retains the card during use, upon insertion of the card into the card reader or upon selection of the tr~n~actir~n i(1entifirr, the co.lcs~ol-dil-g transaction i.~....~lion may be read from the card and used to execute the selected tr~n.c~rtion. If a "dip" or "swipe" card reader is used, 2~ whereby the card is entered and withdrawn before selectin~ a tr~n~ction or passed through an extrrn~1 reader (i.e., it is not retained in the card reader during eY~cntion of a tr~n~ction), then the stored ll~ aclic)n h~ll~Lion may be read and stored in a local lllClll(~l,y of the te~min~l so that upon selection of WO 96/32687 PCT/USg6(Q5152 a tr~n~ tioni.l.qntifi~.r bytheuser,the COlle~)Ol~ g l~ clioni,lru....~l;~..
may be read from th~ local l.,,llUl~y and used to execute the sel~ct~ 1 . ~ r.l ;- n If desired, this latter m~th~(l may be used even if the card is ~cl~illed in thereader during use.
The f~)l'egOlllg iS a description of various aspects of the ~cr~ ;d emb~;...r..l~ and r~,alules of the present invention. However, the invention is not so limit~cl, Various other ~ vcs et)--~i~le~-l with the invention will be a~a~ L to one of oldi~h~ skill in the art. The scope of the invention is only limited by the claims appended hereto.
~, F~,n OF T~ r~vF~TIoN
The illVGllLiUn relates gen~r~lly to ele~L OmC ~ io~ GLWUll~ y~iLGnls and more particularly to electronic fund ll~sr~, ~y~L~lllS such as ~ r~ teller S m~rhin~s.
BACKG~OUND OF TF~, INV~ TION
Electronic fund ll~rGl (EFT) ~y~LGIJls in general are well known. One e~ lc of an EFT system is an i~ulul~ d teller m~rhin~ (ATM). An eY~mple of an ATM is shown, for eY~mple, in U.S. Patent Nos. 4,319,336 (the "'336 10 Patent) and 4,484,304, issued to Anderson et al. The general operation of ATMs is well known. Briefly, however, ATMs typically operate by a user inserting an ATM or other type of i~lpntifi~tif~n card into an ATM m~hin~, -t ~ 3" a ~G~ r~ll;rl~ n ~ GL (PIN)~ sel~ctin~ an account (rh~c~in~
savings, etc.), sel~octing a type of tr~n~ction or function (withdrawal, deposit, 15 Lld~ÇGl, payment, balance inquiry, etc.) and using individual numeric keys ofa keypad to select the dollar (and cents) ~mmlnt for the tr~n~ction~ In some cases, the user also selects the ~ G for the display (F.ngli.ch, Sp~ni~h, etc.).
The need to m~ml~lly enter or select each or many of these tr~n~ctinn rlr~ ~ each time a user desires to pelrullll a tr~n~cti~n can be annoying and 20 time cû"~ -.;..g. This is especially true for individuals who routinely pelro tr~n~ctionS with the same or similar p~,....~
While certain ATMs enable a user to il~-lO~ ;r~lly select an amount (S~ Irl ;1 1 I~'S referred to as a "Fast Cash" amount) rather than Gl 1l~ the amount m~ml~lly using the lluln~ of a keypad, a limited llL~lll~. of Fast Cash choices 25 are available. Also, these choices are globally ~ro~,l~led in a system so that each user typically has the same limited choices. Moreover, even with a Fast Cash feature, the user still often needs to select certain tr~n~ction ~ala~~~
such as an account (e.g., savings or l llPrL i-~g) and a function or l.,.~ lion type (e.g., withdraw cash). Only then are dirrGrellL dollar amounts displayed from which the user can choose. While this eli~ rs the need to enter specific dollar amounts, it still involves sel~ctinn of several L~ c"~-~ion ~ r~ i or entries by a user. This is an lln~1Pcirqhle d-~l,a~,L
EFT ~y~ also include point-of-sale t~ - "~ lc and a ~ of other 5 ~y~l~ns. Point-of-Sale (POS) ~...,;"~lc are used for example at ~oce.y checkouts, gas station pumps and other retail locations to enable a user to pay for a ~ul-;hase by using an ATM card, a credit card, a debit card or other similar mPth~ls. POS le....;..~l.c also typically require a llUlll~C. of user inputs andtrqnc~action p~cu~ s to effect a tr~nclqcti~n-Another problem that arises in using some EFT ~y~lellls (e.g., ATM or POS terminqlc) is the need for separate user i-lPntifirqtion cards for each "account" or inctitlltion with which a user has a li~ ql relqtionchip. Examples of such well known cards include bank ATM cards, American Express cards, MasterCard and Visa Cards, de~ -L store credit cards, gas conl~ly credit 15 cards and air travel cards, to name but a few. Thus, many people typically carry one or more i~entifirqtion cards. This is inco,lvel~.e.ll. Other drawbacks and disadvantages of the prior art also exist.
SIJMI~ARY OF TP~ ll~l~IoN
It is an object of the present invention to overcome these and other 20 drawbacks of the prior art.
It is another object of the present invention to provide an EFT system with a transaction menu cn~lu...;,rd for an individual user or ~cco lnt It is another object of the invention to enable user-defined tr~nC~cti~nc to be completed with a reduced llu-lll~ of inputs from the user at the time the 25 tr~nc~cti~n is exPc~lted.
It is another object of the invention to provide an EFT system which facilitates the se-lPctinn of a greater number of menu choices.
CA 02218233 1997~10~14 WO 96/32687 PCTJUS~6/0515 It is a filr~er object of the invention to provide a single user i~lrntifir~tir~n card for use with an EFT system that enables a user to pe.r~,l...
L1AI~A~ involving a sel~ct~d one or sel~cted ones of the users accounts and/or selected r~cial i~ l;on(s) with which the user has a l;"."r;~l 5 rel~tirJn~hip.
To accomplish these and other objects of the present invention, accord.~g to one embodiment of the present invention, an EFT system co,ll~.ises an itl~.,l;r;l-Al;nn (ID) card, at least one central control unit connrcte~l to a plurality of tr~nC~rtion terminAl~, where each tçrmin~l preferably CU111~)1iSeS a display, an 10 ID card reader/writer, at least one user input device and a local controller.According to one aspect of the invention, the EFT system is operable to enable various trAn~ctiC)n ~alal11~ 1S for dirr~-e~L tr~n~actinn~ to be predefined by auser and stored before it is desired to effect a L-A~ ;on, so that when it is desired to effect a trAn~ction, the controller can cause an individually 15 ~ u~ ~l menu to be displayed for each user to enable the user to select a user preclefinrA L,A..~,.t-l;on with a reduced l.ulllb~;. of entries by the user at the time of eYrc~tion of the L~A.~ ~cl;oll.
Accol.li~ to one emb~lim~ont one way to accomplish this is to store one or more .~ .;,~ user-defined trAn~rtion~ on a ,..~..rl;r ,.,~,1;..." of the user20 ID card so that once a user inserts the ID card into a card reader at the te~ Illil,~l and enters valid verifirAtion data (e.g., a PIN), a menu COI~IA;II;IIg choices corresponding to one or more of the user-defined tran~ctions is displayed.
Preferably, these trAn~etinn~ may be selPct~d by touching a single key of a keypad, by touching an area of the display (e.g., if a touch sensiLivt; screen is 25 used), by tuucllil-g a single key A~ rent the menu entry, by using a "point-and-click" device or by other input methods. The user-defined trAn~Actic ns may be stored on the ID card upon activation, added by a user at a 1~....;..~1 or ""; 1 ;r~lly stored based on the user's recent trAn.~ctinn~. .Al~r. -~ ;vt;ly, these LIAn~ ;r,ns may be stored on the EFT system (for example in a m~lllGl~y A~soci~t-P~ with a local controller of one or more ~.,..;.~Al~ or in a central y A~soci~tP~l with one or more central controllers) and recalled at the time a user desires to effect a L,A..~,,cl;on According to ~lolll~l embotlimPnt the user may predefine and store a plurality of LIA~ ion~ involving dirr~.lclll r..,A.,~ lion~. To facilitatethis, a single ID card may be used to store the hlr,- ~I~AI ion Thus, one UlliV~card can be used by an individual to enable eYPC~tion of trAn~Acti~ ns from or to a plurality of dirrt ,c"~ accounts/in~th~-tion~.
According to other Çealu,~s and aspects of the invention, the user i(1entifirAtil n, trAncArtion definition and/or selection of menu choices may beimplrmPnt-P~ in whole or in part, by voice l~co~llilioll. User i~ -lir~rAIi~n may also be implPmPntPfl in whole or in part, by rlll~c.~lhl~ verification. Selecti~ n of tr~n~.~ction hlr(J- ...AIion or menu choices may be impl-Pm-PntP~ by a point-and-15 click device.
BRIEF DESCRIPTION OF 1~ Dl~WINGS
Fig. 1 is a perspective view of an EFT system according to one embodiment of the present invention.
Fig. 2 is a flow chart illu~LIa~ing operation of the present invention 20 according to one embodiment of the present invention.
D~TA~Fn D~CRIPTION OF TPli PREFERRED EMBODI~N~S
Except as otherwise used in connPcti-m with a specifir activity, the term "tr~n~ctinn" is intrn-l~l to broadly describe a wide variety of activities that are or may be pelrolllled using an EFT system. By way of example, but wi~ uL
25 limit~tion, this includes withdrawing cash, travelers' checks, bonds, other negotiable hlallUlllC;lll~ or other articles, depositing cash, checks, other negotiable i~llu~ or other articles, Ll,...~L. . ;,-g funds from one account to another, paying bills, credit card b~lAnres or loan ~Aylllelll~ cashing checks or WO 96132687 PCI'lUS96/05152 other ll~goLable ~~ r-~l~, obLdi~g ~cc~ balance ~rO....~I;o.~, paying for the ~ ase of goods or services, c~alillg gaming devices (e.g., casino games, - lottery games) and pel r ~ a wide variety of other a~;livilies. Typically, the eY~oc~tion of a transaction requires providing user i~ ;r~r~l;on ~r~ ;on to 5 the system, providing ~/r~ ;r~ o" illr ~ inn to verify the user is an ,..-~1"" i~r"l user, selecting a type of IlA~ on or function, and selPctin~ one or more tr~ne~cti~n p~,....~te.ti (e.g., ~ccollnte, dollar ~lloullL~, etc.) and causing the e~ n to be eY~C~lt~Pfl With ler~lcllGe to Figure 1, there is shown a ~ a~lion ll~wulh system 10 accor~g to one embodiment of the invention. The ~....~e~ i..n ~lw-~lh system preferably c~ .. iees one or more central control units or host processors 200, having associated ~1~t~b~ee(s) or lllCilll lies 300 and a plurality of tr~ne~ction ~e....il-~lc 10 cnnnPcte~l to one or more of the central control units 200 via Cvllllll~"ir~.~ ione link 400 in a known manner. An e~ lc of one known system 15 and c~ ione link is described in the '336 Patent. Other configurations may be used.
Each ~ ~ ",i.,~l 10 preferably comprises or is co....P.;~c~ to a local controller 11 that controls the operation of the ~e~ ...i..~l 10 and a local memory 12 associated with that local controller 11. The general structure and operation20 of these components in an EFT system, such as an ATM ",~r.l~ , is known.
Each tr~ne~rtion te~min~l 10 pref~dbly cc,lll~lises at least one .~cl~
for id~ iryhlg a user, for example, a card reader/writer 13. These ~ le also colll~lise one or more input devices, such as a keypad 14 or selection keys14a located a~ljacrnt a display 15. For some applir~tinne, such as an ATM, the 25 t~rmin~l also preferably c- -..l.. ;ees one or more of a printer 16, a repository 17, a ~ e~ 18, a speaker 19, a microphone 20, and a rlll~ hl~ entifir~tion unit 21. A point-and-click device 22, such as a tr~rl~h~ll or other similar device can also be provided to add novel functionality to the ATM as described below.
Accolding to one elll~ lr~ll, the t'~ C~ WO11~ system ~-~f~d~bly is operable by use of user ir~ ;rir~ .. t~r~ ni~llle such as an i(l~ntifir~tic)n (ID) card 30 unique to each user or account. I~c;r~"ably the ID card c~ ises a plastic card having the ability to store illr()....~lion As desclil,ed elsewhere5 herein, other ID "-P~ may be used. For cimplirity, various embo limPnt.c of the invention will be described with lc~,r~llce to an ID card having a m~nPtir strip located thereon. For example, the card may co~ lise at least one m~pnl~tir strip for m~gnt-tir~lly storing hlrol..-i l;o~ r,l~Lion _ay be writtento the card 30 and read from the card in a generally known manner.
According to one aspect of the invention, the n~llllalion stored on the ID card 30 may include one or more r-.~r;~ lil.-l;o~ ifle"liri~ , one or more account itl~ntif-?rs, authorized user(s) i(lentifr~tion hlrul~lion, inrlll~ling for example one or more personal identifir~ti~n ~ llbc,~, and other desired hlrollllalion that is typically used on an ATM, debit, credit or other similar 15 cards. The ID card 30 may also be used to store tr~nc~ction illr(Jllllalion relating to user-defined tr~m~ction~ unique to the user or ~ccollnt Preferably, the stored i lr ,- ...,-I;on inrhl~les tr~nc~ction il1~ntffl~r i~ ~ I;nn sufficient to identify one or more particular l,,....~neli~n~ and/or tr~n~ctiC)n parameters and sufficient hlro....~I;nn associated with each such itl~ntifi~or to enable a desired tr~n~ction 20 to be c~ mpleted by selecting the l - ,- ~.cacl;on i~l~ntifi~r~ with lit~le or no ad~ition~l input by the user at the time of ex~c~ltil)n. The tr~n.e~cti-~n i-~rollllalion is preferably individually sel~cte(l by the card user and stored before ex.oc.lltin~ a transaction to enable ll,.o.~ I;on~ to be more easily ex~c~lte(l by a user and to enable the same (or similar) ll,.,-.cn~l;on~ to be pc:lrolllled multiple times without 25 the need to re-enter all or most of the Llà~ l;on l.~alllel~"~ each time a user wants to execute a tr~n.c~rtion The illr~llllalion stored on the card may also include inro,m~lion that enables the controller to cl~ e whether a printed record of an ex~ocllte~
WO 96/32687 PCI~/US96/05152 L~ ;ol~ should be printed by the printer 16 upon eYPC~lti~n of a selected L~ ion The il~Çol ".-l inn may be stored s~dl~Lely for each h~ n or - a global sel~tion may be made for all ~ l;one eY~?c~lt~d with the card.
Upon ex~c--tion of a selPcted ~ .,clion, the controller caused the printer to 5 print a record of the tr~ne~ction if a printed record is printed.
Acco~il,g to one emb~lim~o-nt~ the ~ e~1-l;nn ~Clw~l~ system colllpl ;~es an ATM system, Wh~ the user-defined tr~n~ction~ stored on ID card 30 may be read when a user ~ccesees the ATM to enable the user to easily select a pre-defined tr~ne~ctit~n ~or ey~clltion This may be done in a llulllbc, of ways.
10 ~er~bly, upon ill~liri~ )n and v~ ;rir~ of a user, the controller uses the stored L~ inn illr~ ion~ along with general system mr l 11l~l ion, to cause the display of one or more tr~n~ ti~ n menus ~~.lo~ for the user.
Preferably, the menu in~ des choices CO~ O~lllg to one or more of the stored user-defined tr~ne~ctione. Other choices may be provided as r1icclle.se(lbelow. Preferably, the ~ ~d menu also will have a menu choice that enables the user to select a ~L~ldald menu for that account and/or ril~ r;~l inetitlltion (e.g., a menu that enables a user to p~.rullll any tr~ne~ction~ not just the stored user-defined ~ e~ that may be orli~ily p~,lrolllled using the ATM). The term menu is int~rl-1eA to cover a single menu or a series of menus.
Upon the user's sel~ction of a desired menu choice, the associated tr~nc~rti-)n is then eY~c~lt~l willloul the need for further inputs or selections by the user or with limited ~ ition~l inputs or sel~ctionC, Ill.,leby Ill;ll;llli~.;.lg the number of selections, inputs or entries l~luil~_d by a user to execllte a desired tr~nc~ction 2~ For example, one tr~ncacti-m that a particular user may often p~lrùllll is withdrawing $25 from a ~li~y ç~r~ing account. Thererule, upon insertion of the ID card 30 into the reader/writer 13, illrollllalion stored on the ID card 30 is read (other prelillli~.y steps may also be p.,lrulllled in a known lllal~
such as t.,t~ a PIN, etc.) and a llumber of menu choices are displayed on the display 15. The user~ menu ~efc,ably c~ ,ises a display of at least some of the user-defined ~ ;onc, preferably including custom L~ s (or custom tr~nC~ction ~ ;rir- ~i) CTl-CTN and an option to display a ~dald 5 menu SM. Preferably, there is an ~ll.hi -----.-- - ;r (or other) i-lPntifirr next to each menu item. For example, the first menu choice may be "withdraw $25 from Primary Ch~r~in~. " The ~ lllxr " 1 " may appear next to this menu choice as a ~ ;on illPntifiPr. To execute this Ll,...~acl;on the user merely touches the "1" key on the keypad (and optionally hits "ENTER"). This selection is 10 received by the controller 11 which causes the selected tran~ction to be executed by the ~ l and/or EFT system. This ~--;..;...;~s the number of se~P~ti-)n.c/key entries a user must ~clrlJln~ to execute a ~ ;on It also offers greater flexibility than ~y~llls which have "Fast Cash" or similar rca~ ,s whereevery user (or group of users) is offered the same limited tr~n~actions and which 15 still usually require the user to select an account and often times a tr~nc~ tion fimrtion (e.g., willl~aw cash) and an account before the "Fast Cash" choices aredisplayed.
Accoldhlg to other embor~ P~lc~ the i-lrollllalion stored on the ID card or associated IllClCWilll may include i, r -- ...,-I;on that is read by the card 20 reader to enable the controller to detPrmin~ wL~lllcr the user/;-~ ;on wants the user cnctQmi7P(l menu to be displayed ~ (o,~,.l;rally, not displayed, or displayed as an option from the main menu. If it is d~ that the CU~lO--.;~ menu is to be displayed ~Illsl~l;r~lly~ then upon entry of the ~r~liaLe PIN, the controller causes the ~;ll~l-)lll;~rd user menu to be displayed 25 on the display. If it is ~ cl that the c~l~lo.~ cl menu is not to be displayed, then upon entry of the a~,~liate PIN, the controller causes the ~dald l~ cl;~n menu to be displayed (to enable the user to use the normal ATM keys to define and execute a desired tran~a~tion ) If it is ~lele- ~--;--P~ that WO 96132687 PCI'lUS96/05~52 the .;~ .;,~ menu is to be d;~laycd as an option on the ~L~dald menu, then upon entry of the a~~ idle PIN, the controller causes the trAne~ti-~n menu to - be displayed with the standard ~ C~c~ iOn menu options (to enable the user to define and execute a desired L".~.cA~ n) and a eu~lol~d menu option which 5 if selected by the user causes the controller to display the L;- elo~ p(l menu.
According to other embo~ of the invention, the system may store illr(.. ; ~ which dPl~- .. ;~-Pe the particular account, accuullL type or particular inefitlltionwithwhichtheaccuull~isrelated,andbasedon~ o~ r,-~,.~
in the system (e.g., at the local and/or central controllers) t~ which type 10 of menu is to be displayed to the particular user.
Fig. 2 is a flow chart illu~lla~ , the operation of ~rcr~llcd embo~limpnte of the present invention. For ~ul~oses of this description, it is ~s~lmPd that auser has already pre~lPfinpd one or more ~;--xlo...;,P~l trane~cti~ns and that this il~rO- ".~lion iS stored on the user's ID card (or in a memory of the EFT system), 1~ for Plr~mI~7P, during setup of the ID card. Other preli...i,-~. y steps may also be performed if desired. Fu~ lllore, for simplicity this embodiment will be described in co~ P~ with an ATM. However, it is to be nntlPrstood that this embodiment and other Çcalules and embo~ described herein can be used with other types of EFT sy~ ls. Moreover, for simplicity, the well known 20 steps ~eeoci~t~Pd with the local controller cc,-...-.~ with a central controller are omh In step 101 the user is i(1PntifiPd This may be accomplished in a ~ bel of dirr~cll~ wâys, inrhl(1i~ by use of an ID card (e.g., ATM card), by e~lP. ;..g an ~lph~..--...~l;c i-lPntifiPr using a keypad of the ATM ~ 1, by voice 25 recognition, rmge~ ll recogniti~ n, by other i-1cntifir~tion Pcllni-lluPs, or a combination of the folegoil~. Next, acc~ulll i~ alion associated with the identifiP~l user is read (step 102). Preferably, a verification step is ~elrcll.,ed to verify that the i-lPntifiPcl user is a valid user (step 103). This may be accomplished by pr~ g the user to enter a PIN or other ;clentifi~r (for eY~mple, a rmge.~ ll and/or by spe~king a certain message) and having the controller ~ r~ "~ if the i~l~ntifiPr is a valid i~Pntifi~r for the user and/or ~crolmt (step 104). If it is not, control may return to step 103 for a retry or to 5 step 101 to cancel the hll~rope~ attempt. If the i-lPntifitor is valid, control passes to step 105 (or in an ~llr...~l;v~. embodiment to step 105A, as will be ~ cll~secl below). De~ on whether all of the ~-~cP~s~. y mrc,....i~ n was read in step 102, it may be desirable to read other hlrull~lion from the card (or a lll~lllOly of the EFT system) after the validation step (step 103).
In step 105, according to one emb~im~nf the controller causes a custom menu for the user to be displayed. The custom menu preferably comprises choices (e.g. CT1-CTN of Fig. 1) for the user to select one or more Ll,.~ ionc pre~iPfinrA by the user. Optionally, one menu item inrln~les a choice for the user to select a "Standard Menu" (e.g. SM of Fig. 1). The Standard Menu ~ler~ably 15 corresponds to the types of menu typically used with ATM systems. For example, the Standard Menu may list a llumbel of choices of types of tr~n~ctions or functions that may be ~elrulllled (e.g., withdraw cash, deposit cash, llal~Çel funds, balance inquiry, etc.) and prompt the user for other ! ~ p~ . In step 106, the user selects one of the displayed menu 20 items. As tliccll~se~ herein, a variety of dirr~,lcllL mPch~ ",~ may be used to select a displayed menu item. In step 107, the controller de t~ - ...i.-~s whether the selected menu choice is a request to ~,.rc,ll.l a custom l.~."~,~-lir,n If the controller d~lr~ ..,;,.~s that a custom tr~n~rtion was not requ~sted in step 107, then according to one embodiment a Standard Menu is displayed (step 205).
25 However, other ~ l ;v~s may be used. If a custom tr~n~rtion was reqllest~
in step 107, the controller causes the sel~octed transaction to be pe.r~,lllled (step 110).
De~el~di~g on the type of ll,.o~ on selPcte~l, the sel~ctP~
C~C~;Q~ may be pclÇulll~d without further action by the user. If the user ~PfinP~l custom l.~ l;cn coll~hls all of the ~-~cçe~ ;on, the controller can cause the tr~nC~cti~ n to be eYP,c~lt~Pd based on the stored S illru. . . ~l ion .Al~ - ..nl ;vt;ly, the display may prompt the user to enter ~ liti~n~l i~ul.llalion(step 108). Forexample, if theuserpleA~r...PA l.~ l;on ~l,er;r~pe a type of ~ aclion and one or more accounts, but nût the amount, the user may be ylo~d to enter the desired amount for the tr~ncaction One advantage of this technique, for example, is where each month a user pays his Aulelica 10 Express card balance from his ~ y ch.oc~in~ account. The user could set up a custom transaction that stores illrollll~Lion to pay an amount (to be entered)from p~ rl~PrL ;.~; to that user's ~merir~n Express account. Then, all the user needc to do to ç~Pc~lte this ll~ ion~ iS to select this custom tr~n~ction and enter the amount for that month. Nu~ vus other examples will be readily lS a~L.
Also, it may be desirable after selPction by the user of a custom tr~ne~ctic n (step 107), and/or ~ itinn~l input (step 108) that the controller causes the tr~nC~ction type and p~ to be displayed with a prompt for the user to verify that this is the desired tr~n~tion to be eYPCllt~PCl (step 109). If the 20 ll, n~e~il n type and ~,----- t~ -~ are as desired, the user may verify this by one of the input tPrhni~ ps ~ç-sçrihed herein or other input tPrhni~l~les Preferably, the display produced in step 109 may also give the user options to cancel the transaction, edit the p~,....P-I~l~ thereof, reselect a tr~n~cti~n or other desired options.
After the desired tr~nC~tion is processed (step 110), the controller preferably causes the display to display the option for the user to select another tr~n~rtion or to finish the sesci~-n In step 111, if the controller d~ .Ps that CA 022l8233 l997- lO- l4 the user desires ~uLh~,L l,~ on, control returns to the point after step 104.
If not, control returns to Start.
R~ to step 205, in ,.,~onse to a St~dal~d Menu being displayed, the user is l,rolll~L~d to select a function or ll~l~.e~--linn (step 206), an account 5 from which the tr~ne~cti~ n should be p,vcessed (step 207), if n-oceee,.. y a "to-account" (step 208), i.e., an account to which the tr~ne~rtion should be processed, for example, if the ~ ~ ~ ne"c~ ir~n is a lla,~r~, of funds from one account to another, and an amount (step 209). Depending on the type of Ll~sa~;lion, other ~ L~Ls may be sel~cted Steps 108 and 109 also may be pelrolllled if 10 desired. Once all of the n~cese~ry tr~neactiQn mrulnlaLion is selecte~l and any ;r~r~l;rJn has occurred, then control passes to step 110 and the transaction is ~rocessed. The standard menu may also prompt the user for il~"llalion in an order dirr~r,~l than ~ecirled above and/or for dirr~.ell~ hlro,lllalion.
According to another embo-lim~ont after the validation procedure is 15 performed (step 104), control passes to step 105A. According to one embo~lim~-nt, step 105A causes a user prompt to be displayed which asks the user if the custom menu is to be displayed or whether a Standard Menu should be displayed. If the user selects the custom menu to be displayed, control passes to step 105. If not, according to one embo~limtont the Standard Menu is 20 displayed (step 205). According to another embo~imrnt the user may be l~lu~uL~d to in-lir~t~ whether a menu (similar to the Standard Menu) should be displayed with one of the menu options being the choice of having the custom menu displayed. In step 220, the controller det~--...i..~s whether the custom menu option is sel~cted If not, then the Standard Menu is displayed (step 205).
25 If yes, control passes to step 221 wh.,l~,by a s~dald menu with a custom menudisplay option is displayed. After selection of a menu choice by a user (step 222), the controller d~ tos if the custom menu option is selPctrcl (step 223).
If yes, a custom menu is di~layed (step 105). If not, the user selects a function WO96132687 PcrluS961Q5152 from the SL~l Menu (step 206). ,~ ivcly~ instead of the user sPlPcting whether a particular menu should be displayed, this i~o~ ation may - be dç1~ d by the EFT system or ATM tf~ l For eY~mplP, for some ATM termin~lc~ it may be dec~ d as a system choice that one or alluLll~,~ menu S will be displayed. .All~ ...;.~;v~ly, the choice of menu may be ~ t~ted by theparticular user (based on certain user ~lru~ ioll) or the type of account -. ,.,;"~-A in step 102, or by the ri.~."-i~l in~tit~ltic)n with which the account is held. For example, some fi~ ;f)nc may choose that a particular menu will be displayed. ~ ;vely, the menu to be displayed may be pre-10 se1octed by the user and i~c...~ n co--es~onding to the selecte~l menu can bestored on the user's ID card, in one or more local memories of one or more ATM ~ lc, or in one or more central memories of the EFT system.
Co.-~ with the foregoi~, instead of or in addition to storing user-defined !. Al~ n i~o111~Lion on the ID card, such il~- ..-~1 ;on may be stored 15 in the local memory of one or more l~..-.i..~lc or in a central memory or memories of the system. Storage of such il~. ..~ in a local memory may be particularly useful where a user frequents a particular te- ...;,-~1 such as a local bank ATM or grocery store or where the "t~ ....;..~1" is uniquely associated with a particular user or group of users, such as when the termin~l co--.1.. ices a home 20 COlll~uL~l, a portable ~e~ l or other such e,l--i1----~-1 Accor lillg to another feature of the present invention, if a user ç~rPcntes a tran~ction that is not already stored (on the ID card, locally in the te- ...i,~l or globally in the system), upon co1~lction of the L~ 1ion, the card reader/writer may write the trancacti~n illrO~ s)n to the card (or local memory 2~ of the t~rmin~l and/or central 1~elllul~ of the ll~LwlJ1h). If written to the ID card for example, the tr~ncaction may be stored as a "Recent T1,...~ ion "
Accordillg to one embodiment of the invention, one or more Recent T-i.i-c~c~ c options may be displayed on the cl~Lo---;~P~ user menu. ~ I;v~;ly, a menu option may be "Display Recent T~ nC." The input ..~rh~ i.., may be clesignr~l to f~rilit~t~ scrolling through recent l".~..<-lionc. For example, up/down keys may be provided. ~llr~ ivcly, acco~dil~g to one aspect of the invention a point-and-click device (e.g. a trackball) may be used as further S ~l~srrihecl below. The use of a point-and-click device is esperi~lly adv~nt~o~s if it is desired to provide menus with a relatively large llu ubel of choices tofacilitate scrolling through pages of the lllClllOl,~/ and pointing to one of the choices. Other advantages of using a point-and-click device also exist.
According to another feature, after the user ex~cutes a tr~nC~rtion that 10 is not already stored on the ID card, a prompt may be displayed to ask the user if the ~ c~clic)n should be stored as a tr~n~rtion to appear on the customized menu. If the user desires to do so, the ~ c~clion illru. .--i ~ ion may be stored as a new user-defined tr~nc~ction on the ID card. ~llrl ..~lively, or in addition to this, the user cllctc-mi7~1 menu may include an option to enable the user to 15 change the stored l~ . This preferably inrhl-les the ability to modify or delete an exi~ting stored tr~ne~ction and the ability to add a new tr~n~ction.
The rea~u-cs of the invention may be used in a variety of electronic tr~nc~cti-)n systems inrlll-ling ATMs, POS lt~ (e.g. ~u~c~ ..krl or retailer ch~rkn,~ltc, gas pumps, etc.), travelers check dispensers, coupon 20 dispensers, garning devices (e.g., slot m~rhinPs or other "casino games"), lottery m~rhinrs, check cashing "".rhi,~ks, etc.
By way of example, if used in connection with a POS termin~l, the trrmin~l may be col~ led with a cash lcgiSt~_~ or other device to intlir~te to the termin~l the arnount of a l~ acliO~- The user-defned L~ aclinn~ may include 25 tran~rSir,n~ such as "pay amount by ATM" or "pay amount by VISA. " Other predefined tr~n~ction options could include "Pay by ATM and Receive $50 Cash Back" or "Pay by ATM and Receive Cash Back." In this latter example, one or more l.,..~c~-lion ~a~ lel~ rnay be entered by the user at the time of use CA 022l8233 l997- lO- l4 WO 96/32687 PCTIUS96la5l52 (e.g., the amount of cash to receive back). At gas pumps, the user may ~JlC~ilOle selP~ti- n~ such as the type of gas desired (regular, pl~ ..., etc.) and whetheror not a receipt should be printed upon cu,~ tion of the ~ n Accolding to a~Lll~l embo~1imPnt of the present invention, the ID card S may be used as a "u~ al" card to avoid the need for a user to carry a llumbc of dirrclcll~ ID cards such as ATM cards and/or credit or debit cards.
According to this embo-1imPnt il ru....~;on for a plurality of accounts may be stored on a single card. The user ,~ ....;,~ menu may include t~ ;on~ for a plurality of dirr~l~ellL accounts and/or r~lcial i~ ;olls. For example, a 10 ullivt:l~al card may have hlrul.lla~ion stored thereon for a user's VISA card(s), American Express card(s), de~a-L - cllL store card(s), casino card(s), gasoline credit card(s) and one or more bank ATM cards. The card may store i. rw.--a~ion to enable a user to P~Pcnt~P one or more tr~n~ctinns with one or more selPrt-P~l in.~tihltinn~ with which the user has a rel~ )nchir or is authorized 15 to transact with. For some i~ ion~, the user may have more than one account. All of the illr~ n .-~cess~ y to enable the user to ~e~r(j.... a tr~n~ction may be stored on a single card. If this feahure is used, the stored tr~n-~rti( n illÇollllaLion may include the user-defined transaction i-~...lalion id~PntifiP11 above along with an iriPntifiPr of the ;"~ and the desired account 20 for which the tr~n~cti~n should be ~c-rulll,ed. For example, such a stored tran~ctic-n may include a tr~n~rtion to "Take $25 Cash Advance from Visa Card" or "Pay $25 From Bank ChPcl~ing To Visa. "
According to one embo~1imPnt it may be desirable to store only most of the tr~n~(tion hlrO ",~lion ~-Pres~-y to execute a l""~ lion. For e~mple, the 25 stored partial tr~n~(tion may be "Pay Visa From ChP-rl~ing." Then, upon display of this item on the user ~ ilo~ .r.cl menu and selection of it by a user, the user may be ~Lol-l~led to enter the amount to be paid. This option is gen,-r~lly useful when aspects of a particular tr~n~ction may vary but some or CA 022l8233 l997- lO- l4 WO 96/32687 PCT/US96~05152 all of the tr~ncaçtion is repeated. The inctitnti~n/account illr~ aLion for thisembo~limPnt may be written to the ID card in a known ~a~ and can be r~ r~d in a Couv~ elll way. For eY~mplP, the card may contain an i~
with the inctihltion(s) and user-defined tr~nC~ctiQn h~ro- ...~ion associated with S one or more accounts. According to this emb~imPnt, the user may insert the ID card into a ~- "-;--~1, and upon verification, a ~ o~ r~cl menu may be displayed. Accol lil-g to one embo~iimPnt the menu may include options for g ll~ "c~ ;-)ns with a number of dirrt;-cllL in~ctitlltionslaccounts.
;vely, the user may select an inctihlfion and a ~ o"-i~e~l menu for that 10 incthlltion may be displayed as described above. If a ~~ivel~al card is used at a POS termin~l, the user cll~ d menu may display the list of inctit~ltion accounts that the particular user may chose from. Then the user may select the account from the menu that is to be used for the trane~ctinn This offers more flexibility and effiri~nry than ~;ullclllly used systems. A point-and-click device 15 may be used to scroll through the choices and select an inctitlltion According to another feature, after a ~;u~lo-..i,ed menu is displayed and a user selects one of the l-~ "cl;on options from the menu, a more ~let~ilP~1 description of the tr~n.caçti- n may be displayed to enable the user to verify the desired tr~ncaçtion. For example, the tr~nc~rti~ n type and tr~n.c~ctinn 20 parameters may be displayed.
While many of the general ~y~ s components for an ATM and their filnrtinnc are known, various other components may be particularly useful with various aspects of the present invention. For example, the user identifir~tinn step may be accomplished in a ~~ lbel of ways. For example, the user may be 25 illPntifiP~ by a user irlPntifr~tion card unique to each user (or account), by voice recognition, entry of alpha-l.~--r~ ;r i~u~lalion by a keypad or similar input mPch~nicm, by finge-l,li.l~ recognition or a culllb~lion of these or other tec~lniqll~Ps. For example, if a r~l~g~ illl (or voice) i~lentifir~ti()n unit is WO 96132687 PCr/US~6/05152 provided at each (or some) l~ the user may be i~lentifipcl by simply e.~lr. ;l~g an a~,upli~L~ finger intû the r;.~ rir~lic)n unit (ûr spe~king into the voice it1~.,lirir~lion unit), wL~ y the unit then reads the input i~(,-.---li-)n and CO~ S this read i~ on to previously stored S i-lkllliri.,~lion illrù~ aliûn tû ~le~..-.i-~P the identify ûf the user. The stored i~o,~lion may be ~C~ tf ~ in the local n~ll~ly and/or central memory.
To facilitate this each user may be required to provide the l-r~ . y rmg~
(ûr voice) itlPntifr~tic)n i~ n at the time ûf activatiûn of an accûunt (ûrat other cu~vellient times). According to one embo~limPnt the iclentiflr~tion i. r(.. ~ n may be initially stored in a central memory. A potential alv~ y to this approach h(~w~ver is that with a large llu~ber ûf authorized users it may take some time to find a match between input i-l.ontifiratinn h~,l,.,ation and stored hlrv-...~lion An ~ live is to store such i,~,l,~lion in a local memory of each t~-. ",i"~1 through which the user ~rcess-os the system, as such 15 acce~ses occur. This would thus build up a local memory capability for each trrmin~1 that the user ~ccesses. The local ,ll~lll ,lies are likely to contain a lower llu~ of user's il~l~lion. If this a~roacll is used, when the user enters the physical user i~lent;fr~til~n i~,llllalion (e.g. voice or rlllg~ hll)~ the locallllcllloly of the Ic 1 through which the user is ~ccessing the system can be 20 chrc~ first to fmd a match with ~lcbL~lcd i.~lll~lion. If a match is found it is likely to occur in less time than if the central system m~o, y is used to find such a match due to the relative llu~llber of individual's il~,~lion stored in the rei,yeclivc mtonnnri~s. If the user has never used the particular Ic- ---i--~1 before then no match will be found in the local memory and upon that ~elc~ on, 25 the local controller may cause a search of the central memory to occur.
Accoldillg to another aspect of this embo-1imPnt7 an in~tifl~tion (e.g. a bank) having m111tir1r t~ may download user i(lentifir~tion i, r~ ion to each of its le~ "~io~1~ so that the user can rapidly access they system via any WO 96/32687 PCI~/US96/05152 of that inctih~tir,nc ~ )Alc since the user's ifl~ ;ri~ ;on il~ru~ alion (e.g.
voice or r~gel~..ll-) will be stored locally in each of that in~ctihlti~nls trrmin~lc.
This or similar i~ientifir~tion t~rhn~ ec could avoid the need for a user to carry an i~ ;ri.~ " card. If no card is used, once the user is i~1rntifird (or before), the user may enter inctihltion ;,,r," "~ion to identify an inctihltion with which the user is i~l~ntifi~cl This may be acc~ lished by ~~ ;..g (e.g., via a keypad) an in.ctihltion itlrntifir~ti~ n code, sel~cting an inctitlltion from a menu (or group of menus) that is (are) displayed based on il~l ",~fion stored in ~e EFT system or by storing such hlro-l-lation in the system (locally and/or 10 centrally) in association with user i(1~ntifir.~tion Once the user and account is itlrntifi~, then v~ r;~;on illrV- ...~lion may be entered (e.g., a PIN) for the user for the selected inctihltion or account and ~ nc may be selected as described herein.
Acco.ding to another embodiment of the invention, a publicly ~ccescihle 1~ ATM (or other EFT) trrrnin~l is provided with a point-and-click device such as a trackball or similar device to f~rilit~tr (and e~.h~l-r.e) selection and/or input of desired L~ ;nl~ l;ol~c, fimrtionc, pa~ t~ , menus or other choices. The use of such a poinling device can f~r.ilit~tç a mlmhçr of other features. For example, with the use of such a device, a user may point to a menu item and click on it 20 to select it or double click on it for eXrClltion .All~ liv~ly or in additionthereto, the device may be used to select a "custom l.~..cA.~Iinn" menu option which causes a controller to display a list of predefined tr~n~cti-n.c to be displayed, in one or more colnmnc, to enable one of the predefined tr~nc~ction.cto be sçlectecl Further, the list may extend for more than one page of the 2~ display and the device can be used to scroll up, down, left or right through the list and to select the desired tr~nC~ction for e~Pcl~ti~n. According to this emb~limrnt, the point and click device is o~livt:ly c~ nnrcte~l to the termin~l ~ in a user ~rce~.~ihle location. The mov~.lltlll of the pointing device by a user WO 96/;~26~7 PCTlUS9610S152 can then cause a cursor (or similar i-lPntifiP,r) on the display to be moved to a desired position on the display to enable menu ~ ;on items or paramt~tPre - to be selectp~l in a known llla~,.
The user-defined ~ )n~e may be stored on the ATM card upon 5 activation of the ID card, added by a user or 5...~ ly stored based on the user's recent L~ ;on.e (e.g., by writing some or all of the tr~n.e~ction parameters to the ID card after a user m~n-l~lly enters a ll~ ea~ nn and displaying this ~ I;on as a menu choice the next time the user ~Gcesses the system). ~ Alivt~ly, these tr~near-tic)ns may be stored in a local memory of 10 a le~...i..~l (e.g., a ~..lli.lal of an ATM system) and be recalled when a user desires to execute a ~ c~ .- Accu..~ to this embo~limrnt the tranearti()n.c may be stored in a local lllelll~l~ of one or more l~ le or in a central memory of the EFT system.
According to one embo~limPnt the tr~ne~ction i-ientifi.or and 15 corresponding ll~ ion i,~r(.- ,~ ion is stored on the ID card. Preferably, il~l ~--;1l;- n corresponding to one or more hr~n.e~rti--ne is stored. If desired, one card may be used to store illro-..~;on for more than one account for a single user. These multiple accounts may be with one or more in.etihltione or entities with which the user is ~eeoci~trcl Th~ .crOl~, sep .~ plnr~litiP~e of user-defined 20 kansactions may be stored for s~alal~ accuu..L~. For example, if a m~n.o.tir card is used, the LIA~.e~.-lion i~o~ liorl for a particular account at a particular ~"~"ri~l (or other) inetih~tion may be stored on one (or more) m~gnrtir strip(s)on the ID card. Each tr~n.e~rtinn preferably is stored with a trane~ctil)n i~lrntifit-r and all or most of the illro....~ n nP~ee ..~ to complete a I~A~ clion.
25 If a u~ al card is used, the user may be first ~lolll~L~d to select the account/inetinlti~ n with which a tr~ne~rtion iS to be eYrcllt~i Then, the custom tr~ne~ction for that accuunL/;..~ ;on may be displayed (along with other choices as described herein).
The controller may be any generally known controller capable of use with an EFT system. It may be ~ d to cause operation in the described herein.
The various inputs and sel~octionc desclil ed herein may be accomplished 5 by the touch of a single key (or co"-bil~Lion of keys) of the keypad, by tollrhing a de~ign~trd area of the display (e.g., if a touch sellsitivc screen is used), by touching a single input key ~ cent to the transaction i-lPntifiP~l by use of a "point-and-click" device associated with the t~rmin~l or by other input methods.In various ci~ res, one or more of these types of input mech~ni~mc may 10 be advantageous over another.
The ID card, if used, may cu.l.~.ise a m~gnPtir card, a bankbook with a m~gnPtir storage ~c~lbel, an EEPROM card, a "smart card", an IC card or other suitable devices capable of storing the "~ces~ ;on Preferably, one or more user-defined tr~n~actinn~ stored on the ID card 15 30 are read by the card reader/writer 11 after the user inserts the card into the card reader/writer 11. The h~l ",~lion may be read before and/or after the user enters verification data (e.g., a pc,~ollal itl~-ntifir~ti~n ~lu---l~el or PIN). The stored hlro~ irJn may be read once and stored in a local memory of the ATM
trrmin~l or read from the card 30 as and when n~e~e~l if the card is retained in20 the card reader writer 11 during use.
If the card reader retains the card during use, upon insertion of the card into the card reader or upon selection of the tr~n~actir~n i(1entifirr, the co.lcs~ol-dil-g transaction i.~....~lion may be read from the card and used to execute the selected tr~n.c~rtion. If a "dip" or "swipe" card reader is used, 2~ whereby the card is entered and withdrawn before selectin~ a tr~n~ction or passed through an extrrn~1 reader (i.e., it is not retained in the card reader during eY~cntion of a tr~n~ction), then the stored ll~ aclic)n h~ll~Lion may be read and stored in a local lllClll(~l,y of the te~min~l so that upon selection of WO 96/32687 PCT/USg6(Q5152 a tr~n~ tioni.l.qntifi~.r bytheuser,the COlle~)Ol~ g l~ clioni,lru....~l;~..
may be read from th~ local l.,,llUl~y and used to execute the sel~ct~ 1 . ~ r.l ;- n If desired, this latter m~th~(l may be used even if the card is ~cl~illed in thereader during use.
The f~)l'egOlllg iS a description of various aspects of the ~cr~ ;d emb~;...r..l~ and r~,alules of the present invention. However, the invention is not so limit~cl, Various other ~ vcs et)--~i~le~-l with the invention will be a~a~ L to one of oldi~h~ skill in the art. The scope of the invention is only limited by the claims appended hereto.
Claims (42)
1. An automated teller machine system for use by a plurality of users comprising:
user identification cards unique to each user and having information stored thereon including transaction information corresponding to custom transactions predefined by the user of the identification card;
at least one user accessible transaction terminal comprising:
card reader means for reading information stored on the user's identification card;
display means for displaying a user customized menu comprising one or more of the custom transactions based on information read from the user's identification card;
input means for enabling the user to select a custom transaction from the customized menu for execution; and control means for executing a selected transaction.
user identification cards unique to each user and having information stored thereon including transaction information corresponding to custom transactions predefined by the user of the identification card;
at least one user accessible transaction terminal comprising:
card reader means for reading information stored on the user's identification card;
display means for displaying a user customized menu comprising one or more of the custom transactions based on information read from the user's identification card;
input means for enabling the user to select a custom transaction from the customized menu for execution; and control means for executing a selected transaction.
2. The system of claim 1, wherein in response to the user customized menu being displayed, the control means causes the input means to be operable to enable the user to select a transaction by touching one of: i) a single key located adjacent to the displayed custom transaction; ii) an area of the display means; and iii) a key of a keypad operatively connected to the control means.
3. The automated teller machine system of claim 1, wherein the input means comprises a point-and-click device.
4. The automated teller machine system of claim 1, wherein the user customized menu comprises a plurality of choices including user defined transactions choices and at least one standard menu choice.
5. The automated teller machine system of claim 1, wherein a single user identification card stores information for a plurality of institutions withwhich a user of the identification card has a financial relationship.
6. The automated teller machine system of claim 1, wherein the control means enables the user to select from a plurality of user customized menus based on information read from the user's identification card.
7. The automated teller machine system of claim 1, wherein the selection of a custom transaction from the user customized menu enables execution of a custom transaction without further inputs by the user.
8. The automated teller machine system of claim 1, wherein upon selection of a custom transaction, the controller causes the transaction parameters to be displayed on the display means to permit verification by the user.
9. The automated teller machine system of claim 1, wherein the stored transaction information comprises some, but not all of the transaction parameters necessary to define and execute custom transaction, and upon selection of such a custom transaction by the user, the controller causes a prompt to be displayed on the display means to prompt the user to input additional information necessary to enable the selected transaction to be executed.
10. The automated teller machine system of claim 1, wherein the transaction terminal further comprises a printer, and the stored transaction information includes information that enables the controller to determine whether a printed record of an executed transaction should be printed upon execution of the transaction.
11. In an automated teller machine system comprising a central controller having an associated control system memory, and at least one transaction terminal comprising an input, a display, a controller, a local memory and an identification card reader, a method of executing a user-defined transaction comprising the steps of:
(a) storing user-defined custom transaction information on the identification card;
(b) entering an identification card into the identification card reader;
(c) reading information stored on the identification card, including user-defined transaction information stored on the identification card;
(d) displaying a customized menu including a plurality of user-defined transactions based on information read from the identification card;
(e) selecting one of the displayed transactions; and (f) executing the transaction selected in step (e).
(a) storing user-defined custom transaction information on the identification card;
(b) entering an identification card into the identification card reader;
(c) reading information stored on the identification card, including user-defined transaction information stored on the identification card;
(d) displaying a customized menu including a plurality of user-defined transactions based on information read from the identification card;
(e) selecting one of the displayed transactions; and (f) executing the transaction selected in step (e).
12. The method of claim 11 wherein the step of selecting comprises touching one of: i) a single key; ii) touching an area of the display; iii) touching a key of a keypad operatively connected to the controller; iv) operating a point-and-lick device.
13. The method of claim 11 further comprising the step of:
storing, before entering the identification card into the card reader, information corresponding to one or more user-defined transactions on one of the identification card, a local memory associated with the terminal and a central system memory.
storing, before entering the identification card into the card reader, information corresponding to one or more user-defined transactions on one of the identification card, a local memory associated with the terminal and a central system memory.
14. The method of claim 11 further comprising the step of storing information corresponding to at least one of said transactions on said identification card based on a recent transaction performed with the identification card.
15. The method of claim 11 wherein the step of displaying a customized menu comprises displaying a plurality of choices for executing user defined custom transactions and at least one choice of displaying a different menu.
16. The method of claim 11 wherein the step of storing comprises storing a plurality of user defined custom transactions for a plurality of institutions with which the user of the identification card has a financial relationship.
17. The method of claim 11 further comprising the step the user selecting from one of a plurality of user customized menus for display on the display.
18. The method of claim 11 wherein upon selection of a displayed transaction, the transaction is executed without further input by the user.
19. The method of claim 11 wherein after performance of the selecting step, the controller causes the transaction parameters associated withthe selected transaction to be displayed for verification by the user.
20. The method of claim 11 wherein the information stored in step (a) comprises some, but not all, of the transaction parameters necessary to execute a custom transaction, and after the selecting step (step (e)), the controller causes a prompt to be displayed on the display to prompt the user to input additional information necessary to enable the selected transaction to be executed; and further comprising the step of entering additional information to enable the selected transaction to be executed.
21. The method of claim 11 wherein the transaction terminal further comprises a pointer, and further wherein step (a) comprises storing information that enables the controller to determine whether a printed record of an executedtransaction should be printed upon execution of the transaction; and after step (f), determining whether a printed record of the executed transaction should be printed.
22. An electronic fund transfer system for use by a plurality of users comprising:
user identification cards unique to each user and having information stored thereon including transaction information corresponding to custom transactions predefined by the user of the identification card;
at least one user accessible transaction terminal comprising:
card reader means for reading information stored on the user's identification card;
display means for displaying a user customized menu comprising one or more of the custom transactions based on information read from the user's identification card;
input means for enabling the user to select a custom transaction from the customized menu for execution; and control means for executing a selected transaction.
user identification cards unique to each user and having information stored thereon including transaction information corresponding to custom transactions predefined by the user of the identification card;
at least one user accessible transaction terminal comprising:
card reader means for reading information stored on the user's identification card;
display means for displaying a user customized menu comprising one or more of the custom transactions based on information read from the user's identification card;
input means for enabling the user to select a custom transaction from the customized menu for execution; and control means for executing a selected transaction.
23. The electronic fund transfer system of claim 22, wherein in response to the user customized menu being displayed, the control means causes the input means to be operable to enable the user to select a transaction by touching one of: i) a single key located adjacent to the displayed custom transaction; ii) an area of the display means; and iii) a key of a keypad operatively connected to the control means.
24. The electronics fund transfer system of claim 22, wherein the input means comprises a point-and-click device.
25. The electronics fund transfer system of claim 22, wherein the user customized menu comprises a plurality of choices including user defined transactions choices and at least one standard menu choice.
26. The electronic fund transfer system of claim 22, wherein a single user identification card stores information for a plurality of institutions withwhich a user of the identification card has a financial relationship.
27. The electronic fund transfer system of claim 22, wherein the control means enables the user to select from a plurality of user customized menus based on information read from the user's identification card.
28. The electronic fund transfer system of claim 22, wherein the selection of a custom transaction from the user customized menu enables execution of a custom transaction without further inputs by the user.
29. The electronic fund transfer system of claim 22, wherein upon selection of a custom transaction, the controller causes the transaction parameters to be displayed on the display means to permit verification by the user.
30. The electronic fund transfer system of claim 22, wherein the stored transaction information comprises some, but not all of the transaction parameters necessary to define and execute custom transaction, and upon selection of such a custom transaction by the user, the controller causes a prompt to be displayed on the display means to prompt the user to input additional information necessary to enable the selected transaction to be executed.
31. The electronic fund transfer system of claim 22, wherein the transaction terminal further comprises a printer, and the stored transaction information includes information that enables the controller to determine whether a printed record of an executed transaction should be printed upon execution of the transaction.
32. In an electronic fund transfer system comprising a central controller having an associated control system memory, and at least one transaction terminal comprising an input, a display, a controller, a local memory and an identification card reader, a method of executing a user-defined transaction comprising the steps of:
(a) storing user-defined custom transaction information on the identification card;
(b) entering an identification card into the identification card reader;
(c) reading information stored on the identification card, including user-defined transaction information stored on the identification card;
(d) displaying a customized menu including a plurality of user-defined transaction based on information read from the identification card;(e) selecting one of the displayed transactions; and (f) executing the transaction selected in step (e).
(a) storing user-defined custom transaction information on the identification card;
(b) entering an identification card into the identification card reader;
(c) reading information stored on the identification card, including user-defined transaction information stored on the identification card;
(d) displaying a customized menu including a plurality of user-defined transaction based on information read from the identification card;(e) selecting one of the displayed transactions; and (f) executing the transaction selected in step (e).
33. The method of claim 32 wherein the step of selecting comprises touching one of: i) a single key; ii) touching an area of the display; iii) touching a key of a keypad operatively connected to the controller; iv) operating a point-and-click device.
34. The method of claim 32 further comprising the step of:
storing, before entering the identification card into the card reader, information corresponding to one or more user-defined transactions on one of the identification card, a local memory associated with the terminal and a central system memory.
storing, before entering the identification card into the card reader, information corresponding to one or more user-defined transactions on one of the identification card, a local memory associated with the terminal and a central system memory.
35. The method of claim 32 further comprising the step of storing information corresponding to at least one of said transactions on said identification card based on a recent transaction performed with the identification card.
36. The method of claim 32 wherein the step of displaying a customized menu comprises displaying a plurality of choices for executing user defined custom transactions and at least one choice of displaying a different menu.
37. The method of claim 32 wherein the step of storing comprises storing a plurality of user defined custom transactions for a plurality of institutions with which the user of the identification card has a financial relationship.
38. The method of claim 32 further comprising the step the user selecting from one of a plurality of user customized menus for display on the display.
39. The method of claim 32 wherein upon selection of a displayed transaction, the transaction is executed without further input by the user.
40. The method of claim 32 wherein after performance of the selecting step, the controller causes the transaction parameters associated withthe selected transaction to be displayed for verification by the user.
41. The method of claim 32 wherein the information stored in step (a) comprises some, but not all, of the transaction parameters necessary to execute a custom transaction, and after the selecting step (step (e)), the controller causes a prompt to be displayed on the display to prompt the user to input additional information necessary to enable the selected transaction to be executed; and further comprising the step of entering additional information to enable the selected transaction to be executed.
42. The method of claim 32 wherein the transaction terminal further comprises a printer, and further wherein step (a) comprises storing information that enables the controller to determine whether a printed record of an executedtransaction should be printed upon execution of the transaction; and after step (f), determining whether a printed record of the executed transaction should be printed.
Applications Claiming Priority (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| US08/421,486 US5546523A (en) | 1995-04-13 | 1995-04-13 | Electronic fund transfer system |
| US08/421,486 | 1995-04-13 |
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| Publication Number | Publication Date |
|---|---|
| CA2218233A1 true CA2218233A1 (en) | 1996-10-17 |
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CA002218233A Abandoned CA2218233A1 (en) | 1995-04-13 | 1996-04-12 | Electronic fund transfer system |
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| US (4) | US5546523A (en) |
| EP (1) | EP0832465A4 (en) |
| AU (1) | AU708287B2 (en) |
| CA (1) | CA2218233A1 (en) |
| WO (1) | WO1996032687A1 (en) |
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|---|---|---|---|---|
| US6222525B1 (en) | 1992-03-05 | 2001-04-24 | Brad A. Armstrong | Image controllers with sheet connected sensors |
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-
1995
- 1995-04-13 US US08/421,486 patent/US5546523A/en not_active Expired - Lifetime
-
1996
- 1996-04-12 AU AU55448/96A patent/AU708287B2/en not_active Ceased
- 1996-04-12 WO PCT/US1996/005152 patent/WO1996032687A1/en active Application Filing
- 1996-04-12 EP EP96912748A patent/EP0832465A4/en not_active Withdrawn
- 1996-04-12 CA CA002218233A patent/CA2218233A1/en not_active Abandoned
- 1996-06-26 US US08/670,599 patent/US6149055A/en not_active Expired - Lifetime
-
2001
- 2001-08-07 US US09/922,935 patent/US7661590B1/en not_active Expired - Fee Related
-
2010
- 2010-01-04 US US12/651,893 patent/US7954701B2/en not_active Expired - Fee Related
Also Published As
| Publication number | Publication date |
|---|---|
| US5546523A (en) | 1996-08-13 |
| EP0832465A4 (en) | 1999-04-07 |
| AU708287B2 (en) | 1999-07-29 |
| US7954701B2 (en) | 2011-06-07 |
| US6149055A (en) | 2000-11-21 |
| EP0832465A1 (en) | 1998-04-01 |
| AU5544896A (en) | 1996-10-30 |
| WO1996032687A1 (en) | 1996-10-17 |
| US7661590B1 (en) | 2010-02-16 |
| US20100102121A1 (en) | 2010-04-29 |
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Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| EEER | Examination request | ||
| FZDE | Discontinued |