EP0661676A1 - Guichet de banque automatique - Google Patents

Guichet de banque automatique Download PDF

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Publication number
EP0661676A1
EP0661676A1 EP94309608A EP94309608A EP0661676A1 EP 0661676 A1 EP0661676 A1 EP 0661676A1 EP 94309608 A EP94309608 A EP 94309608A EP 94309608 A EP94309608 A EP 94309608A EP 0661676 A1 EP0661676 A1 EP 0661676A1
Authority
EP
European Patent Office
Prior art keywords
user
atm
control unit
card
user interface
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.)
Withdrawn
Application number
EP94309608A
Other languages
German (de)
English (en)
Inventor
Stephen William Swaine
Graham Iain Johnson
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
NCR International Inc
NCR Voyix Corp
Original Assignee
AT&T Global Information Solutions Co
AT&T Global Information Solutions International Inc
Priority date (The priority date 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 date listed.)
Filing date
Publication date
Priority claimed from GB939326442A external-priority patent/GB9326442D0/en
Priority claimed from GB9409169A external-priority patent/GB9409169D0/en
Application filed by AT&T Global Information Solutions Co, AT&T Global Information Solutions International Inc filed Critical AT&T Global Information Solutions Co
Publication of EP0661676A1 publication Critical patent/EP0661676A1/fr
Withdrawn legal-status Critical Current

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Classifications

    • 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]
    • 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]
    • G07F19/201—Accessories of ATMs
    • 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]
    • G07F19/205—Housing aspects of ATMs

Definitions

  • the present invention relates to automated teller machines (ATMs).
  • Automated teller machines have become very widely used during the past few years, including the use of such machines, both in an "inside” environment, such as the lobby of a bank or other financial institution, and in a "through-the-wall” environment, in which a machine is mounted in a wall structure out of doors.
  • a through-the-wall ATM may be used in a drive-up environment in which a driveway is provided next to the ATM, so that a vehicle can be driven up to the ATM to enable the driver to operate the ATM through the vehicle window, while remaining seated within the vehicle.
  • an automated teller machine having a user interface , characterized by a remote control unit which is connected to the ATM by an armoured cable and which can be held by a user, said control unit including a keyboard for entering data, and further characterized by a holder for removably retaining said control unit on the user interface.
  • control unit of an ATM in accordance with the invention includes a display screen on which information is provided to a user to assist in carrying out ATM transactions.
  • the hand-held remote control unit is designed to provide comfortable and easy access to keys (including function keys) and a screen that normally appear on the user interface or fascia of an ATM.
  • This remote control unit enables a user to input confidential data and to view and select transaction options, as can be done with the standard ATM interface.
  • the remote unit facilitates faster transactions than can normally be accomplished using a conventional drive-up or other type of ATM, because the proximity of the decision-making keys and the clarity of the display when viewed from close up contribute to convenience of use.
  • the remote unit can be lifted and held at virtually any height, allowing wheelchair-bound ATM users full access to the control unit.
  • the fact that the personal identification number (PIN) entry and option selection can take place within the shelter of a vehicle in a drive-up environment means that the effects of weather on user comfort are significantly lessened.
  • a user interface 40 of a drive-up ATM 42 constructed in accordance with the present invention.
  • a moulding 44 extends around the edges of the user interface 40 to overlap the wall 41 in which the ATM 42 is located.
  • An illuminated sign 46 is located at the top of the interface 40.
  • a card reader 48 having a card-receiving slot 50 is located below the sign 46 and receives a user's identifying card at the commencement of a transaction.
  • Located generally below the card reader 48 are two slots 52 and 54.
  • An envelope may be offered to the user by the ATM 42 through the slot 52 for use in making a deposit.
  • the slot 54 is a receipt slot that enables a printed record of the transaction to be offered to the user.
  • a slot 56 for receiving deposits made by the user.
  • a slot 54 Located below the slot 54 is a slot 58 through which cash is dispensed to the user in the case of a withdrawal transaction.
  • a bracket or holder 60 that is shown as comprising two corner retaining elements 62 and 64 for retaining on the interface 40 a remote control hand-held unit 66.
  • the unit 66 is disposed in the bracket 60 on the interface 40 in a horizontal orientation and is operatively connected to the interface 40 and the ATM 42 by a cable 68 that is armoured to prevent its being removed from the ATM 42 and that is preferably coated with a suitable plastics material that will prevent damage to a vehicle if the cable 68 engages some portion of the vehicle as the hand-held unit 66 is being brought into the interior of the vehicle.
  • the hand-held remote control unit 66 is shown in greater detail in Fig.2 and includes a display 70 on which instructions for carrying out a transaction and other information may appear.
  • the display 70 may be of the liquid crystal type or other suitable type.
  • Located below the display 70 on the unit 66 is a keyboard 72, comprising a plurality of keys 74. Certain of the keys 74 may be function keys which are used to initiate desired transactions of the ATM 42. Other keys 74 may be numeric keys or alphanumeric keys.
  • the hand-held unit 66 is provided along its sides 76 and 78 with a plurality of recesses 80 for receiving fingers of a user's hand and thereby facilitating the secure gripping of the unit 66 by the user.
  • an indicator 82 that may be a light of the LED type. This light provides a signal to the user when appropriate, as when the user is being directed to pick up the unit 66 and bring it into the vehicle. If desired, the light may flash and may be accompanied by an audible signal from a suitable device located either within the unit 66 or elsewhere in the ATM, to provide an additional indication to the user.
  • the bracket 60 and the unit 66 should desirably be configured so that the unit 66 will properly fit within the bracket 60 only when its side containing the indicator 82 is facing outwardly towards the user, as shown in Fig.1.
  • a user 90 in a vehicle 92 is shown using the drive-up ATM 42 of the present invention.
  • the user is grasping the remote control hand-held unit 66 and the connecting cable 68 extends between the user interface 42 and the unit 66.
  • the display 70 and the keyboard 72 can be brought as close to the user as desired, as contrasted with the situation when the display and the keyboard are located on the user interface of a known ATM.
  • the unit 66 can be held equally well by either a right-handed or a left-handed user 90 in the vehicle 92. This provides a clear advantage over prior art drive-up ATMs in which ease of operation with respect to right-handedness and left-handedness is not equal.
  • Fig.4 Shown in Fig.4 is a free-standing version 100 of the ATM.
  • a card reader 48 having a card-receiving slot 50 which receives a user's identifying card at the beginning of a transaction, the reader 48 being arranged to read information carried by the card for the purpose of enabling a determination to be made as to whether the card is valid.
  • the receipt slot 54 enables a receipt to be offered to a user. Deposits made by the user are inserted in the slot 56. Cash is dispensed to the user through the slot 58.
  • a holder 60 for holding the hand-held remote control unit 66 which is operatively connected to the control panel 40 and to the ATM 100 by the armoured cable 68.
  • the hand-held unit 66 can be of the same construction as described above in connection with Fig.2.
  • an optional display 102 may be included on the user interface 40 of the ATM 100.
  • the optional display 102 may, for example, advertise services provided by the financial institution on whose premises the ATM 100 is located.
  • Operation of either the drive-up ATM 42 or the free-standing ATM 100 of the present invention is initiated by insertion of a user's identifying card into the slot 50 of the card reader 48. If the identifying card is determined by the ATM to be a valid card, on the basis of information read from the card by the card reader 48, then in the case of the ATM 42 the indicator 82 on the unit 66 is energized, signalling to the user that the unit 66 should be picked up from the user interface 42 and brought into a convenient position for the user's use in performing the transaction.
  • the optional display 102 could be used to advise the user to pick up and use the unit 66 or to use the unit 66 while still located in the holder 60.
  • the transaction is then carried out in a normal manner, commencing with entering a PIN by the user, using the keyboard 72, to establish the user's identity, and continuing with use of appropriate function keys and other keys on the keyboard 72 to complete the desired transaction.
  • the user When the transaction is completed, the user must place the hand-held unit 66 back in the bracket 60 in the proper orientation before the user's identifying card will be returned from the card reader 48 in the user interface 40.
  • the remote control unit 66 can be used as a replacement solely for the PIN pad.
  • Advantages of the present invention include the following. Private and confidential entry of the PIN is provided. Since the control unit is hand-held at the end of a cable, possible variations in distance and position of a user with respect to the ATM are greatly increased, which facilitates use by a user in a wheelchair or in a vehicle. Visual problems such as reflections of displays are minimized, since the display can be held and viewed at any viewing angle and distance that the user chooses. Purchasers of an ATM constructed in accordance with the present invention can configure the ATM in a variety of ways, facilitating customization.

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Control Of Vending Devices And Auxiliary Devices For Vending Devices (AREA)
EP94309608A 1993-12-24 1994-12-21 Guichet de banque automatique Withdrawn EP0661676A1 (fr)

Applications Claiming Priority (4)

Application Number Priority Date Filing Date Title
GB939326442A GB9326442D0 (en) 1993-12-24 1993-12-24 Remote control apparatus for drive-up automated teller machines
GB9326442 1993-12-24
GB9409169A GB9409169D0 (en) 1994-05-09 1994-05-09 Automated teller machines
GB9409169 1994-05-09

Publications (1)

Publication Number Publication Date
EP0661676A1 true EP0661676A1 (fr) 1995-07-05

Family

ID=26304093

Family Applications (1)

Application Number Title Priority Date Filing Date
EP94309608A Withdrawn EP0661676A1 (fr) 1993-12-24 1994-12-21 Guichet de banque automatique

Country Status (2)

Country Link
EP (1) EP0661676A1 (fr)
JP (1) JPH07210728A (fr)

Cited By (10)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO1997034267A1 (fr) * 1996-03-13 1997-09-18 Siab Italia S.P.A. Distributeur electronique d'argent liquide
EP1047029A2 (fr) * 1999-04-24 2000-10-25 Ncr International Inc. Terminaux à libre-service
GB2352313A (en) * 1999-07-21 2001-01-24 Ncr Int Inc Transaction system
FR2803072A1 (fr) * 1999-12-23 2001-06-29 Auchan Borne d'echange pour automobiliste a accessibilite amelioree
GB2361566A (en) * 2000-04-19 2001-10-24 Ncr Int Inc Transaction terminal interface
WO2004081779A1 (fr) * 2003-03-11 2004-09-23 Scan Coin Industries Ab Appareil de gestion d'argent liquide comprenant deux blocs numeriques du type a touches fonctionnelles
US7637420B2 (en) 2000-05-10 2009-12-29 Ncr Corporation Self-service terminal
US7778595B2 (en) 2000-03-28 2010-08-17 Affinity Labs Of Texas, Llc Method for managing media
GB2486034A (en) * 2010-11-30 2012-06-06 Phoenix Gruppen As User Interface for a Product Ordering System
US8892465B2 (en) 2001-06-27 2014-11-18 Skky Incorporated Media delivery platform

Citations (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP0193505A2 (fr) * 1985-02-25 1986-09-03 Inter Innovation AB Appareil pour le retrait et le dépôt de papiers de valeur
EP0196192A2 (fr) * 1985-03-25 1986-10-01 Imperial Oil Limited Système d'entrée de données
US4735289A (en) * 1985-05-14 1988-04-05 Anthony Kenyon Dispensing apparatus and deposit apparatus for drive up machines
US4967366A (en) * 1989-03-06 1990-10-30 Gilbarco Inc. Integrated gasoline dispenser and POS authorization system with unattached pin pad
JPH04191994A (ja) * 1990-11-27 1992-07-10 Oki Electric Ind Co Ltd 視覚障害者対応自動取引装置
EP0535417A2 (fr) * 1991-09-30 1993-04-07 International Business Machines Corporation Machine pour transactions avec indications de guidage illuminées
DE9308244U1 (de) * 1993-06-02 1993-08-05 Gögler, Christoph, 72074 Tübingen Geldausgabeautomat

Patent Citations (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP0193505A2 (fr) * 1985-02-25 1986-09-03 Inter Innovation AB Appareil pour le retrait et le dépôt de papiers de valeur
EP0196192A2 (fr) * 1985-03-25 1986-10-01 Imperial Oil Limited Système d'entrée de données
US4735289A (en) * 1985-05-14 1988-04-05 Anthony Kenyon Dispensing apparatus and deposit apparatus for drive up machines
US4967366A (en) * 1989-03-06 1990-10-30 Gilbarco Inc. Integrated gasoline dispenser and POS authorization system with unattached pin pad
JPH04191994A (ja) * 1990-11-27 1992-07-10 Oki Electric Ind Co Ltd 視覚障害者対応自動取引装置
EP0535417A2 (fr) * 1991-09-30 1993-04-07 International Business Machines Corporation Machine pour transactions avec indications de guidage illuminées
DE9308244U1 (de) * 1993-06-02 1993-08-05 Gögler, Christoph, 72074 Tübingen Geldausgabeautomat

Non-Patent Citations (2)

* Cited by examiner, † Cited by third party
Title
"HAND-HELD KEYBOARD DISPLAY ON A RETRACTING CABLE FOR A SELF-SERVICE MACHINE", RESEARCH DISCLOSURE, no. 291, pages 475, XP000006544 *
PATENT ABSTRACTS OF JAPAN vol. 016, no. 520 (P - 1444) 26 October 1992 (1992-10-26) *

Cited By (36)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US6179457B1 (en) 1996-03-13 2001-01-30 Siab Italia, S.P.A. Electronic cash dispenser
WO1997034267A1 (fr) * 1996-03-13 1997-09-18 Siab Italia S.P.A. Distributeur electronique d'argent liquide
EP1047029A3 (fr) * 1999-04-24 2004-12-15 Ncr International Inc. Terminaux à libre-service
EP1047029A2 (fr) * 1999-04-24 2000-10-25 Ncr International Inc. Terminaux à libre-service
GB2352313A (en) * 1999-07-21 2001-01-24 Ncr Int Inc Transaction system
GB2352313B (en) * 1999-07-21 2003-10-15 Ncr Int Inc Transaction system
FR2803072A1 (fr) * 1999-12-23 2001-06-29 Auchan Borne d'echange pour automobiliste a accessibilite amelioree
US8554191B2 (en) 2000-03-28 2013-10-08 Affinity Labs Of Texas, Llc System and method for managing media
US8532641B2 (en) 2000-03-28 2013-09-10 Affinity Labs Of Texas, Llc System and method for managing media
US9923944B2 (en) 2000-03-28 2018-03-20 Affinity Labs Of Texas, Llc System to communicate media
US9621615B2 (en) 2000-03-28 2017-04-11 Affinity Labs Of Texas, Llc System to communicate media
US8688085B2 (en) 2000-03-28 2014-04-01 Affinity Labs Of Texas, Llc System and method to communicate targeted information
US7778595B2 (en) 2000-03-28 2010-08-17 Affinity Labs Of Texas, Llc Method for managing media
US7953390B2 (en) 2000-03-28 2011-05-31 Affinity Labs Of Texas, Llc Method for content delivery
US7970379B2 (en) 2000-03-28 2011-06-28 Affinity Labs Of Texas, Llc Providing broadcast content
US9444868B2 (en) 2000-03-28 2016-09-13 Affinity Labs Of Texas, Llc System to communicate media
US8359007B2 (en) 2000-03-28 2013-01-22 Affinity Labs Of Texas, Llc System and method for communicating media center
US9094802B2 (en) 2000-03-28 2015-07-28 Affinity Labs Of Texas, Llc System and method to communicate targeted information
GB2361566A (en) * 2000-04-19 2001-10-24 Ncr Int Inc Transaction terminal interface
GB2361566B (en) * 2000-04-19 2004-10-06 Ncr Int Inc Transaction terminal interface
US7637420B2 (en) 2000-05-10 2009-12-29 Ncr Corporation Self-service terminal
US9203956B2 (en) 2001-06-27 2015-12-01 Skky Incorporated Media delivery platform
US9203870B2 (en) 2001-06-27 2015-12-01 Skky Incorporated Media delivery platform
US9037502B2 (en) 2001-06-27 2015-05-19 Skky Incorporated Media delivery platform
US8908567B2 (en) 2001-06-27 2014-12-09 Skky Incorporated Media delivery platform
US9118693B2 (en) 2001-06-27 2015-08-25 Skky Incorporated Media delivery platform
US9124718B2 (en) 2001-06-27 2015-09-01 Skky Incorporated Media delivery platform
US9124717B2 (en) 2001-06-27 2015-09-01 Skky Incorporated Media delivery platform
US8972289B2 (en) 2001-06-27 2015-03-03 Skky Incorporated Media delivery platform
US8892465B2 (en) 2001-06-27 2014-11-18 Skky Incorporated Media delivery platform
US9215310B2 (en) 2001-06-27 2015-12-15 Skky Incorporated Media delivery platform
US9219810B2 (en) 2001-06-27 2015-12-22 Skky Incorporated Media delivery platform
US9319516B2 (en) 2001-06-27 2016-04-19 Skky, Llc Media delivery platform
US7303118B2 (en) 2003-03-11 2007-12-04 Scan Coin Industries Ab Cash handling apparatus having dual functional-key type keypads
WO2004081779A1 (fr) * 2003-03-11 2004-09-23 Scan Coin Industries Ab Appareil de gestion d'argent liquide comprenant deux blocs numeriques du type a touches fonctionnelles
GB2486034A (en) * 2010-11-30 2012-06-06 Phoenix Gruppen As User Interface for a Product Ordering System

Also Published As

Publication number Publication date
JPH07210728A (ja) 1995-08-11

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